Angel One Ltd.
ISIN: INE732I01021 • Market Cap: ₹26,451 Cr
The 5-Pillar Quality Audit for Angel One Ltd.
Evaluated across Profitability, Financial Health, Historical Compounding, Valuation Safety, and Ownership Governance:
1. Profitability & Capital Efficiency
Weight: 25%Measures operating margins (37.4%), Return on Capital Employed (24.2%), and equity compounding (15.0%).
2. Financial Health & Solvency
Weight: 25%Debt-to-Equity is 1.33 with comfortable interest coverage and clean working capital.
3. Growth & Compounding Track Record
Weight: 20%Historical 3Y Sales CAGR (8.3%) and 3Y PAT CAGR (-2.9%).
4. Valuation Multiple & Margin of Safety
Weight: 15%Trades at P/E of 25.63 vs PEG of 1.36 and Dividend Yield of 1.4%.
5. Ownership Quality & Governance
Weight: 15%Promoter holding stands at 28.6%, backed by 34.1% institutional ownership.
Key Fundamental Strengths
Superior Capital Efficiency (ROCE: 24.2%)
Angel One Ltd. generates exceptional return on capital employed of 24.2%, reflecting pricing power and competitive moat.
Deep Institutional Sponsorship (34.1%)
Mutual funds, domestic DIIs, and foreign FIIs hold 34.1%, providing strong governance scrutiny.
Areas to Watch & Potential Risks
Elevated Financial Gearing (D/E: 1.33)
Debt-to-Equity exceeds 0.9x, meaning substantial operating earnings are absorbed by mandatory interest coverage.
Sectoral & Macro Headwinds (Financial Services)
Subject to broader cyclical demand, raw material price shifts, and regulatory frameworks governing the Financial Services space.
Quantitative Strategy Eligibility
Checking ANGELONE against established Indian wealth creation frameworks:
Coffee Can Investing Framework
Passes Saurabh Mukherjea's Coffee Can rule: 10%+ sustained revenue growth and 15%+ ROCE/ROE.
Quality Factor Screener (High RoIC + Low Debt)
Scorecard of 65/100 or leverage profile sits below strict quality index hurdles.
GARP / Value-Growth Blend
Valuation multiple or return metrics require further cyclical pullback.
Financial Services Sector Peer Comparison
Compare ANGELONE directly against top industry peers by market capitalization:
| Company | 5-Pillar Score | Market Cap | P/E | ROCE | D/E | Scorecard |
|---|---|---|---|---|---|---|
| Angel One Ltd. (ANGELONE)Current | 65/100 | ₹26,451 Cr | 25.63 | 24.2% | 1.33 | — |
| HDFC Bank Ltd. (HDFCBANK) | 74/100 | ₹11.10 Lakh Cr | 14.05 | 12.8% | 1.01 | View |
| ICICI Bank Ltd. (ICICIBANK) | 76/100 | ₹10.06 Lakh Cr | 17.94 | 16.5% | 0.62 | View |
| State Bank of India (SBIN) | 71/100 | ₹9.66 Lakh Cr | 11.20 | 12.2% | 1.38 | View |
| Bajaj Finance Ltd. (BAJFINANCE) | 68/100 | ₹6.72 Lakh Cr | 33.07 | 13.9% | 3.86 | View |
| Life Insurance Corporation of India (LICI) | 87/100 | ₹5.22 Lakh Cr | 8.70 | 37.8% | 0.00 | View |
Frequently Asked Questions: Angel One Ltd.
Q:What is the 5-Pillar Fundamental Score for Angel One Ltd. (ANGELONE)?
Angel One Ltd. has a RupeeTools Fundamental Score of 65/100, placing it in the 'Solid & Healthy' category. Its pillar scores are: Profitability (87/100), Financial Health (60/100), Growth (35/100), Valuation (72/100), and Ownership Quality (68/100).
Q:Is ANGELONE fundamentally strong for long-term investment?
ANGELONE currently holds a moderate quality rating of 65/100. While it operates in the Financial Services sector, investors should monitor its profit margins before initiating long-term positions.
Q:Does ANGELONE pass the Coffee Can Investing filter?
Yes! ANGELONE satisfies both core pillars of Coffee Can Investing: achieving consistently high capital returns (ROCE/ROE >= 15%) alongside double-digit multi-year revenue growth.
Q:How does ANGELONE compare against other Financial Services peers?
Within India's Financial Services sector, ANGELONE trades at a P/E of 25.63 and generates an ROCE of 24.2%. Compare its 5-Pillar score of 65/100 against top sector peers like HDFC Bank Ltd. (74/100), ICICI Bank Ltd. (76/100).
Regulatory & SEBI Research Analyst Compliance Disclaimer:
This 5-pillar fundamental score is an automated quantitative health check generated purely from historical public financial statements, corporate filings, and exchange disclosures for educational and informational purposes only. It does NOT constitute investment advice, a stock recommendation, or a solicitation to buy or sell securities. RupeeTools is not a SEBI-registered Research Analyst. Please consult a SEBI-registered financial advisor before making investment decisions.