Retail Lending

The bank’s gold lending portfolio has a huge runway for growth

Can the Bajaj Finance stock sustain the rally?

FY25 earnings marred by elevated provisions

Retail Lending: What got us here, will no longer take us too far ahead

Retail lending’s growth thus far has been partially aided by structural factors such as a large pool of new-to-credit borrowers. With low hanging fruit no longer available, retail lenders need to enhance analytical and risk management capabilities to once again record high but sustainable growth rates

Bajaj Finance – Is there a case for stock upside after the sharp compression in valuation?

Asset growth strong and margin almost stable, but net profit grew at a lower-than-usual pace

Piramal Enterprises to target Rs 1.5 lakh crore AUM by FY28

The company has seen a remarkable surge in its Retail AUM, which is now in excess of Rs 50,000 crore, driven by metro-adjacent and Tier II and III locations.

Why should investors avoid Bajaj Finance in spite of robust FY24 earnings?

FY24 performance is the peak for Bajaj Finance in all likelihood

SBI’s Q3 earnings get hit by one-off; valuation undemanding

Asset quality trended better and credit cost continued to surprise positively

Will RBI’s tightening of consumer lending norms derail Paytm’s growth?

The directive is a clear negative as the lending business is key to profitability

Wage provisions mar SBI’s Q2 earnings; still it’s a worthy bet

Given its sheer size, market share, improved return ratios and favourable asset quality cycle, SBI should command higher than its long-term average valuation multiple

Jio Financial Services takes early steps on a long growth journey

JFSL has set its sights on the high-yielding retail lending business and would also want to capture payments solution opportunities for merchants and individuals

Is ICICI Bank’s profit surge in Q2 FY24 sustainable?

Compared to its peer, ICICI bank has far better margins, relatively higher earnings growth, and a strong contingent provision buffer

Weekly Tactical Pick – Why this private bank looks well poised

While margins have peaked, strong loan growth and benign credit costs will support earnings growth in the current fiscal

CSB Bank – Gold loans lend glitter to the lender

The south-based bank has posted healthy loan growth along with high margins and improved asset quality

Weekly Tactical Pick – Why should you look at this banking behemoth?

The State Bank stock is trading at rock-bottom valuation in a buoyant market despite an impressive financial performance in Q1FY24

Bajaj Finance posts stellar Q1 FY24 earnings, but concerns are rising

Stock valuation not pricing in lower earnings growth and the probability of a banking licence

ICICI Bank’s stellar show in Q1 FY24 will fuel further rally in the stock

The bank’s quarterly earnings report reaffirms its strong fundamentals with a strong growth in deposits and advances

HDFC Bank posts healthy Q1 FY24, likely to stay with the show post merger

Given its track record and execution capabilities, the bank has the capability to do well in terms of growth as well as profitability

HDFC-HDFC Bank merger – Should investors bet on it?

Given the bank’s track record and execution capabilities, HDFC Bank can positively surprise the Street both in terms of growth as well as profitability post merger

Has Bandhan Bank turned the corner?

Earnings set to improve in FY24, but the stock may not see a big rally

SBI: Firing on all cylinders, offers best risk-reward

Profit performance aided by a strong loan growth, higher margins, and a sharp fall in provisions

Why is Bajaj Finance stock under pressure despite impeccable business show?

Though loan growth is healthy and asset quality better, downside risks to the stock’s valuation have increased

HDFC Bank – Consistent earnings, all eyes on upcoming merger

Subdued valuation presents a good opportunity to accumulate this long-term compounder

How durable is the retail lending boom?

Economic slowdown triggered by a possible weak monsoon can hamper retail lending growth and adversely impact the financials and stock prices of leading retail lenders

SBI poses a dilemma despite blockbuster earnings, what should investors do?

The Street was getting confident about the SBI’s turnaround story, but the Adani group saga has jolted sentiments again

Bajaj Finance Q3 strong, expansion strategy to support growth

If the finance company can replicate its offline dominance in the online space, it will be a radical transformation