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Master Trust Ltd.

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mastertrust.co.inBSE: 511768NSE: MASTERTR
Market Cap₹ 1,134 Cr.
Current Price
High / Low₹ 164 / 56
Stock P/E8.5
Book Value₹ 69
Price to Book2.28
Dividend Yield0.00 %
ROCE30.2 %
ROE23.9 %
Face Value₹ 1

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ABOUT

KEY POINTS

Revenue Breakup Mar 2025 • Brokerage and Allied: 89.7% • Share Trading and Others: 4.1% • Portfolio Management Services: 3.3%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence
84%
View full sector analysis →

PROS

  • Company has delivered good profit growth of 60.5% CAGR over last 5 years
  • Company has a healthy return on capital (ROCE) of 29.5%
  • Company has a good return on equity (ROE) track record: 3 Years ROE 23.1%
  • Asset quality is healthy - gross NPA of just 0.0%
  • Solid return on assets for a lender - ROA of 1.3%

CONS

  • Capital adequacy is tight at 0.0% - limited headroom to grow
  • Thin net interest margin of 0.0%
  • Growth is decelerating - 3Y profit CAGR (33.5%) trails the 5Y trend (60.5%)
  • Though reporting repeated profits, the company pays out little dividend (0.0%)

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - NBFC
Part ofNIFTY 50NIFTY 500NIFTY LARGEMIDCAP 250NIFTY 100NIFTY 200
S.No.Name
1.BAJFINANCE1055.0032.35656838.180.576080.6027.6023165.4520.3710.8770.70
2.SHRIRAMFIN1029.9521.41242345.541.053452.7759.9013400.4317.4611.4974.63
3.TATACAP367.8028.89156126.280.1516281.801464.1688219.301051.008.6675.72
4.CHOLAFIN1824.9027.10155858.500.111656.2245.568856.2921.899.7070.07
5.JIOFIN233.5074.61154183.360.26830.25155.732004.47227.282.1169.71
6.BAJAJHLDNG11055.6013.89123041.651.762708.08-92.27394.3323.3414.81684.72
7.MUTHOOTFIN2896.7010.23116293.371.042824.8443.088671.6036.2515.8783.76
8.ABCAPITAL396.2026.43108461.670.001223.8543.8512179.54137.848.8241.91
9.LTF308.5024.3077320.980.89915.9930.705212.9222.388.5462.13
10.SBICARD668.5527.9663622.100.37664.4419.515040.557.6011.7529.83
11.HDBFS682.7026.0756716.320.59785.2038.314937.9018.719.0957.98
12.MASTERTR92.188.481133.960.0034.6527.81149.7983.8430.1641.28
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
9212012416416099857781798183150
5575719598908469806876117104
Operating Profit37465369626464535259616462
OPM %40.11%37.86%42.51%41.88%38.61%64.66%75.21%68.48%63.59%75.50%75.13%77.16%41.28%
Other Income0000000000000
Interest12141516151516151515151415
Depreciation1111111111111
25313752454947373643454946
Tax %23.01%23.61%24.29%26.88%23.80%24.03%25.64%34.39%24.42%27.38%29.39%26.00%25.06%
Net Profit0000353735252731323635
9234333223330

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
104111160134136225331337500584393
8285127101103162222219297341363
Operating Profit22263333336210911820424329
OPM %20.82%23.51%20.67%24.72%24.16%27.77%32.91%34.88%40.73%41.62%7.43%
00210103000
Interest1415191318193533566159
Depreciation22312123444
Profit before Tax59132013437285144179183
Tax %32.25%33.56%22.54%14.28%8.39%19.89%23.29%22.21%24.85%26.57%26.92%
Net Profit46101712345566108131134
EPS0.000.000.000.005.6615.8025.3630.2949.6911.69—
Dividend Payout %0.00%0.00%10.83%0.00%0.00%0.00%0.00%0.00%0.00%0.00%—

COMPOUNDED SALES GROWTH

10 Years:
18%
5 Years:
34%
3 Years:
21%

COMPOUNDED PROFIT GROWTH

10 Years:
30%
5 Years:
61%
3 Years:
33%

STOCK PRICE CAGR

10 Years:
—
5 Years:
—
3 Years:
—
1 Year:
-39%

RETURN ON EQUITY

10 Years:
13%
5 Years:
21%
3 Years:
23%
Last Year:
24%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Corporate actions

2018

Sep 21

₹ 0.10

Rs.1.0000 per share(10%)Dividend

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Equity Capital11111111111111111111
Minority Interest1111100222
160166174196203245289354468608
857469691129597162188258
Trade Payables1391992132501974016026671,033933
3213234532342933161141
Total Liabilities4284644915725557861,0271,2281,8631,953
109810101012141515
232521402723761519
16142227191232172319
00000000125161
Cash & Bank1742282332953285768361,0151,4931,471
205189208200171165142177193269
Total Assets4284644915725557861,0271,2281,8631,953

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
565518515-181197458-37
Cash from Investing127-1819126-164-49354
Cash from Financing000-100002518
545456233-13-913-1035

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
73.7772.4972.4972.4969.2471.9371.9371.9371.93
0.020.070.030.020.150.000.020.020.03
DIIs0.000.000.000.000.000.000.000.000.00
Government0.000.000.000.000.000.000.000.000.00
26.2227.4427.4827.4930.6128.0728.0428.0528.04

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-05
General Updates

2026-09-05 - Master Trust Limited has informed the Exchange about Newspaper Publication of Notice of 41st AGM of the Company

2026-09-04
General Updates

2026-09-04 - Master Trust Limited has informed the Exchange about Book closure for 41st Annual General Meeting to be held on 30.09.2026

2026-09-04
General Updates

2026-09-04 - Master Trust Limited has informed the Exchange about Remote e-voting details for the 41st Annual General Meeting of the Company to be held on 30.09.2026

2026-09-04
Shareholders meeting

2026-09-04 - Master Trust Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 30, 2026

2026-09-03
Outcome of Board Meeting

2026-09-03 - Master Trust Limited has informed the Exchange regarding Outcome of Board Meeting held on September 03, 2026.

2026-08-27
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-27 - Master Trust Limited has informed the Exchange about Outcome of Investors/Analyst Meeting

2026-08-21
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-21 - Master Trust Limited has informed the Exchange about Schedule of meet

2026-08-06
General Updates

2026-08-06 - Master Trust Limited has informed the Exchange about General Updates about Newspaper publication of un-audited financial results 30.06.2026

2026-08-05
Press Release

2026-08-05 - Master Trust Limited has informed the Exchange regarding a press release dated August 05, 2026, titled "Master Trust Reports Q1 FY27 Performance with 13.8% Growth in Total Income & 27.8% Surge in PAT".

News

Recent coverage and analyst commentary for MASTERTR

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