Trust Fintech Limited

Trust Fintech Limited

NNSE:TRUST
24.50
INR
-0.45
(-1.80%)
3.36EPS
21.74P/E
1.74BMarket Cap

Total Valuation

INR

As of March 31, 2025, Trust Fintech Limited carries a market capitalization of 1.74B, placing it among publicly traded companies globally. Its enterprise value stands at 1.16B, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

Market Cap1.74B
Enterprise Value1.16B

Share Statistics

As of March 31, 2025, Trust Fintech Limited has 23.83M shares outstanding.

Shares Outstanding23.83M

Valuation Ratios

As of March 31, 2025, Trust Fintech Limited trades at a trailing price-to-earnings ratio of 21.74. The price-to-sales ratio is 5.57, and the price-to-book ratio stands at 1.59.

PE Ratio21.74
PS Ratio5.57
PB Ratio1.59
P/TBV Ratio1.99
P/FCF Ratio-3.46
P/OCF Ratio-4.74

Enterprise Valuation

As of March 31, 2025, Trust Fintech Limited trades at an EV/EBITDA multiple of 13.08 - the valuation measure that neutralizes differences in capital structure, tax rates, and depreciation policy, making it the standard yardstick for comparing companies across an industry. The EV/Sales ratio of 3.70 reflects the premium investors pay for the company's revenue stream, a useful check when earnings are depressed or negative. Its EV/EBIT multiple of 16.81 values the business against core operating earnings after depreciation, a stricter test than EV/EBITDA for capital-intensive businesses. These enterprise value multiples are built on an enterprise value of 1.16B versus a market cap of 1.74B, with the gap driven by net debt and cash on the balance sheet.

EV / Sales3.70
EV / EBITDA13.08
EV / EBIT16.81

Financial Position

As of March 31, 2025, Trust Fintech Limited maintains a current ratio of 10.03, meaning it holds 10.0x the short-term assets needed to cover near-term liabilities. The debt-to-equity ratio is - -, indicating a certain level of leverage, while an interest coverage ratio of 88.69 demonstrates strong ability to service its debt obligations.

Current Ratio10.03
Quick Ratio7.32
Interest Coverage88.69

Financial Efficiency

INR

Over the twelve months ended March 31, 2025, Trust Fintech Limited posted a return on equity (ROE) of 10.36, showing how much profit the company earns on every dollar of shareholder capital. Return on invested capital (ROIC) comes in at 6.01 - the clearest signal of whether the business earns more on its capital than that capital costs, and the core measure of a durable competitive advantage. Return on assets (ROA) stands at 9.42, measuring how efficiently the asset base is converted into earnings. Return on capital employed (ROCE) is 10.45, useful for judging operating efficiency across full business cycles. The company generates approximately 1.08M in revenue per employee across its workforce of 290.00, a quick read on workforce productivity versus industry peers. Inventory turnover of 10.37 indicates how many times Trust Fintech Limited sells and replaces its inventory over a year, a key working capital efficiency ratio.

Return on Equity (ROE)10.36
Return on Assets (ROA)9.42
Return on Invested Capital (ROIC)6.01
Return on Capital Employed (ROCE)10.45
Revenue Per Employee1.08M
Employee Count290.00
Inventory Turnover10.37

Taxes

INR

Over the twelve months ended March 31, 2025, Trust Fintech Limited recorded 31.57M in income tax expense. That works out to an effective tax rate of 28.28, which can sit above or below the statutory corporate tax rate depending on foreign earnings mix, tax credits, and one-off items. Taxes are levied on pretax income of 111.62M, leaving 80.06M in net income after tax - the gap is what shifts in the tax rate do to reported earnings and EPS.

Income Tax31.57M
Effective Tax Rate28.28

Stock Price Statistics

INR

As of the close on October 22, 2026, Trust Fintech Limited's stock has declined approximately 60.39% over the past 52 weeks. The 50-day moving average sits at 27.00, while the 200-day moving average is 34.02.

52-Week Price Change-60.39%
50-Day Moving Average27.00
200-Day Moving Average34.02

Income Statement

INR

Over the twelve months ended March 31, 2025, Trust Fintech Limited generated 312.61M in revenue and converted that into 80.06M in net income, yielding earnings per share of 3.36. EBITDA reached 88.49M, while operating income came in at 69.16M.

Revenue312.61M
Gross Profit205.62M
Operating Income69.16M
Pretax Income111.62M
Net Income80.06M
EBITDA88.49M
EBIT68.87M
Earnings Per Share (EPS)3.36

Balance Sheet

INR

As of March 31, 2025, Trust Fintech Limited holds 581.65M in cash and equivalents against - - in total debt, resulting in a net debt position of -47.81M. Total book value stands at 1.09B, with working capital of 717.77M providing operational flexibility.

Cash & Cash Equivalents581.65M
Net Debt-47.81M
Equity (Book Value)1.09B
Book Value Per Share45.95
Working Capital717.77M

Cash Flow

INR

Trust Fintech Limited produced -367.40M in operating cash flow over the twelve months ended March 31, 2025. After subtracting -136.24M in capital expenditures, free cash flow totaled -503.64M - equivalent to -21.14 per share.

Operating Cash Flow-367.40M
Capital Expenditures-136.24M
Free Cash Flow-503.64M
FCF Per Share-21.14

Margins

Over the twelve months ended March 31, 2025, Trust Fintech Limited posted a gross margin of 65.78, reflecting its pricing power and cost economics. The operating margin of 22.12 and net profit margin of 25.61 provide insight into operational efficiency.

Gross Margin65.78
Operating Margin22.12
Pretax Margin35.71
Profit Margin25.61
EBITDA Margin28.31

Dividends & Yields

These figures cover the twelve months ended March 31, 2025. Free cash flow yield is negative at -28.94: the business is consuming cash rather than generating it, so any dividend is not covered by free cash flow. Total shareholder yield is negative at -30.52, meaning Trust Fintech Limited raised more capital through share issuance and new debt than it returned via dividends and buybacks.

Shareholder Yield-30.52
FCF Yield-28.94