Category: nbfc

An Overview of the Glittery Gold Loan Industry – 10X10Y

Reading Time: 8 minutes Gold in India Gold enjoys a vital place in the hearts and homes of Indians and is often considered as being representative of their financial security, social status and cultural legacy. Gold has traditionally been a liquid asset and universally accepted commodity that has seen its value appreciate over the decades. It comes as no […]

BFSI Industry Dismantled – 10X10Y

Reading Time: 10 minutes Back in the day, the Financial industry was simply classified into Banking and Non-Banking. However, with the exponential growth of the industry over the last decade, every sub-industry has made a name for itself. Thus, a more structured name propped up, called the BFSI Industry. BFSI stands for Banking, Financial Services and Insurance which gives […]

Industry Language – 10X10Y

Reading Time: 13 minutes In my previous article, I calculated the Economic Profit of multiple Industries and their segments. The final calculations resulted in the Gold Finance segment emerging victorious in the NBFC space with the highest profitability; an Economic Profit of a stunning 16.82%. This also helped me reach the conclusion on which company i shall be doing […]

Valuation in Motion: DHFL Valuation: When the Facts Change..

Reading Time: 9 minutes Disclaimer: After the Cobrapost expose, there has been a lot of noise around whether the numbers reported by DHFL are genuine or not. While a rebuttal from the Management is expected, as a responsible student of valuation, I ask that you take this post with a mountain of salt. There’s a famous quote in relation […]

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