Also trades as: LLOYDSME.BO (BSE) · $vol 1M

₹1,780.00 ($18.48)

-104.00 (-5.52%)

NSE · Basic Materials · Steel · Tech Score Sell · Power 36 · ₹1.00T mcap · 124M float · 0.395% daily turnover

Overview Chart Financials Income Statement Cash Flow Balance Sheet Earnings

Analysis Technicals Weather Peers ETF Exposure

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

D+

Oct 01, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. LLOYDSME.NS receives an overall rating of D+. Areas of concern: DCF (1/5), ROE (1/5), ROA (1/5), D/E (1/5), P/E (2/5), P/B (1/5).

Rating Change History

Date	From	To
2026-08-12	B-	D+
2026-05-07	D+	B-
2026-02-05	B-	D+

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 46 Grade D

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. LLOYDSME.NS scores highest in Profitability (83/100) and lowest in Cash Flow (18/100). A grade of D flags significant fundamental concerns across multiple dimensions.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman Z-Score

2.48

Grey Zone

Piotroski F-Score

2/9

✓ ✗ ✗ ✗ ✗ ✗ ✓ ✗ ✗

Beneish M-Score

7.18

Possible Manipulator

Ohlson O-Score

-8.48

Bankruptcy prob: 0.0%

Low Risk

Credit Rating

BBB-

Score: 51.2/100

Trend: Deteriorating

Earnings Quality

25/100

OCF/NI: -0.11x

Accruals: 15.9%

The Altman Z-Score (1968) combines five ratios — working capital, retained earnings, EBIT, market value of equity, and sales, all relative to total assets or liabilities — into a single bankruptcy predictor. LLOYDSME.NS scores 2.48, placing it in the Grey Zone (safe > 2.99, distress < 1.81). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. LLOYDSME.NS scores 2/9, suggesting weak financial fundamentals — the company fails the majority of these accounting tests. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. LLOYDSME.NS's score of 7.18 exceeds the −1.78 red flag threshold — this does not confirm manipulation but indicates the earnings profile resembles past manipulators statistically. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. LLOYDSME.NS's implied 0.0% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. LLOYDSME.NS receives an estimated rating of BBB- (score: 51.2/100), with a deteriorating trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). LLOYDSME.NS's score of 25/100 is low — reported earnings may not be fully supported by cash flows.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

20.14x

PEG

0.10x

P/S

4.53x

P/B

7.22x

P/FCF

-8.49x

P/OCF

—

EV/EBITDA

13.43x

EV/Revenue

4.99x

EV/EBIT

14.85x

EV/FCF

-10.75x

Earnings Yield

5.46%

FCF Yield

-11.77%

Shareholder Yield

0.14%

Graham Number

$639.19

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 20.1x earnings, LLOYDSME.NS commands a growth premium. An earnings yield of 5.5% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $639.19 per share, 178% below the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.703

NI / EBT

Interest Burden

0.911

EBT / EBIT

EBIT Margin

0.336

EBIT / Rev

Asset Turnover

0.670

Rev / Assets

Equity Multiplier

2.519

Assets / Equity

ROE

36.3%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. LLOYDSME.NS's ROE of 36.3% is driven by Asset Turnover (0.670), indicating efficient use of assets to generate revenue.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

15.00%

Fair P/E

38.50x

Intrinsic Value

$2672.52

Price/Value

0.48x

Margin of Safety

52.42%

Premium

-52.42%

Assessment

Neutral

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with LLOYDSME.NS's realized 15.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. LLOYDSME.NS trades at a -52% premium to its adjusted intrinsic value of $2672.52, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 38.5x compares to the current market P/E of 20.1x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 771 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$1776.80

Median 1Y

$2400.46

5th Pctile

$1234.42

95th Pctile

$4675.04

Ann. Volatility

39.0%

25th–75th percentile 5th–95th percentile Median path Historical

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Q4'26	Current
ROE	10.6%	25.8%	29.9%	49.7%	36.8%	38.3%	31.5%	33.3%	26.8%	36.5%	36.3%	36.31%
ROA	7.9%	19.2%	21.3%	35.5%	29.0%	30.1%	21.7%	23.0%	13.2%	18.0%	14.4%	14.42%
ROIC	13.3%	31.9%	30.6%	51.0%	29.2%	30.4%	20.0%	21.1%	13.0%	18.1%	12.7%	12.73%
ROCE	13.0%	32.5%	40.4%	64.3%	34.1%	35.6%	26.3%	27.5%	18.0%	26.1%	19.4%	19.45%
Gross Margin	37.0%	32.6%	36.9%	35.0%	29.6%	39.7%	2.4%	41.0%	47.7%	54.1%	34.5%	34.47%
Operating Margin	27.1%	22.8%	28.4%	29.0%	23.6%	30.8%	20.1%	32.1%	24.8%	32.1%	36.9%	36.92%
Net Margin	21.2%	17.4%	17.8%	23.1%	22.1%	23.3%	17.0%	27.0%	16.2%	21.3%	22.6%	22.58%
EBITDA Margin	28.1%	24.1%	30.0%	30.0%	32.6%	33.2%	23.5%	34.6%	31.0%	37.8%	41.0%	41.03%
FCF Margin	1.9%	1.7%	1.0%	0.6%	0.2%	-0.3%	-9.6%	-19.0%	-69.4%	-55.9%	-46.4%	-46.40%
OCF Margin	1.9%	1.7%	10.4%	12.9%	18.0%	24.3%	23.8%	22.0%	-6.9%	-6.1%	-2.3%	-2.29%
ROE 3Y Avg	snapshot only											26.35%
ROA 3Y Avg	snapshot only											15.19%
ROIC 3Y Avg	snapshot only											12.92%
ROIC Economic	snapshot only											11.82%
Cash ROA	snapshot only											-0.94%
Cash ROIC	snapshot only											-1.23%
CROIC	snapshot only											-24.98%
NOPAT Margin	snapshot only											23.64%
Pretax Margin	snapshot only											30.60%
R&D / Revenue	snapshot only											0.00%
SGA / Revenue	snapshot only											5.08%
SBC / Revenue	snapshot only											0.85%

Valuation

Metric	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Q4'26	Current
P/E Ratio	117.58	54.16	36.35	26.60	35.78	44.64	49.07	58.91	37.60	29.92	18.32	20.143
P/S Ratio	24.92	10.15	6.70	5.33	7.24	9.71	10.72	13.70	7.74	6.14	3.94	4.534
P/B Ratio	12.47	13.98	10.86	13.22	9.07	11.76	11.11	14.12	8.81	9.56	4.86	7.219
P/FCF	1332.86	612.04	680.01	929.61	3579.85	-3463.95	-111.63	-72.01	-11.14	-10.98	-8.49	-8.493
P/OCF	1332.86	612.04	64.25	41.28	40.22	40.01	45.11	62.19	—	—	—	—
EV/EBITDA	87.36	39.17	24.67	18.93	24.53	30.59	35.73	43.22	27.09	19.84	13.43	13.430
EV/Revenue	24.51	10.01	6.68	5.32	7.10	9.56	10.78	13.76	8.50	6.70	4.99	4.987
EV/EBIT	90.37	40.48	25.54	19.54	25.35	31.69	37.23	45.21	29.70	22.04	14.85	14.849
EV/FCF	1311.44	603.26	677.86	927.19	3507.51	-3409.97	-112.25	-72.33	-12.25	-11.99	-10.75	-10.748
Earnings Yield	0.9%	1.8%	2.8%	3.8%	2.8%	2.2%	2.0%	1.7%	2.7%	3.3%	5.5%	5.46%
FCF Yield	0.1%	0.2%	0.1%	0.1%	0.0%	-0.0%	-0.9%	-1.4%	-9.0%	-9.1%	-11.8%	-11.77%
PEG Ratio	snapshot only											0.099
Price/Tangible Book	snapshot only											6.085
EV/Gross Profit	snapshot only											11.405
Acquirers Multiple	snapshot only											15.420
Shareholder Yield	snapshot only											0.14%
Graham Number	snapshot only											$639.19

Leverage & Solvency

Metric	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Q4'26	Current
Current Ratio	1.97	1.97	1.14	1.14	1.96	1.96	1.43	1.43	1.03	1.03	0.81	0.812
Quick Ratio	1.58	1.58	0.91	0.91	1.75	1.75	1.22	1.22	0.79	0.79	0.59	0.592
Debt/Equity	0.01	0.01	0.06	0.06	0.01	0.01	0.16	0.16	1.06	1.06	1.49	1.494
Net Debt/Equity	-0.20	-0.20	-0.03	-0.03	-0.18	-0.18	0.06	0.06	0.87	0.87	1.29	1.291
Debt/Assets	0.01	0.01	0.04	0.04	0.01	0.01	0.11	0.11	0.41	0.41	0.50	0.497
Debt/EBITDA	0.06	0.02	0.13	0.08	0.02	0.02	0.50	0.48	2.96	2.01	3.26	3.260
Net Debt/EBITDA	-1.43	-0.57	-0.08	-0.05	-0.51	-0.48	0.20	0.19	2.45	1.66	2.82	2.818
Interest Coverage	299.03	260.38	230.48	268.74	209.33	131.03	70.57	50.23	11.84	10.24	11.26	11.261
Equity Multiplier	1.34	1.34	1.40	1.40	1.24	1.24	1.47	1.47	2.61	2.61	3.00	3.003
Cash Ratio	snapshot only											0.232
Debt Service Coverage	snapshot only											12.451
Cash to Debt	snapshot only											0.136
FCF to Debt	snapshot only											-0.383
Defensive Interval	snapshot only											983.3 days

Efficiency & Turnover

Metric	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Q4'26	Current
Asset Turnover	0.37	1.02	1.16	1.77	1.43	1.38	0.99	0.99	0.64	0.88	0.67	0.670
Inventory Turnover	2.75	7.91	12.79	19.59	18.40	17.32	5.71	5.20	3.02	4.47	6.23	6.230
Receivables Turnover	7.57	20.82	57.02	87.27	35.89	34.70	52.81	52.49	10.24	14.02	20.72	20.718
Payables Turnover	7.69	22.09	7.48	11.46	59.84	56.34	8.77	7.99	4.04	5.97	7.13	7.132
DSO	48	18	6	4	10	11	7	7	36	26	18	17.6 days
DIO	133	46	29	19	20	21	64	70	121	82	59	58.6 days
DPO	47	17	49	32	6	6	42	46	90	61	51	51.2 days
Cash Conversion Cycle	133	47	-14	-9	24	25	29	31	66	47	25	25.0 days
Fixed Asset Turnover	snapshot only											0.703
Operating Cycle	snapshot only											76.2 days
Cash Velocity	snapshot only											6.094
Capital Intensity	snapshot only											2.434

Growth (YoY)

Metric	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Q4'26	Current
Revenue	—	—	—	—	5.6%	1.3%	45.7%	-5.4%	21.1%	71.4%	1.6%	1.58%
Net Income	—	—	—	—	5.3%	1.7%	72.7%	9.8%	23.0%	61.5%	1.5%	1.54%
EPS	—	—	—	—	4.8%	1.5%	58.6%	-1.8%	23.0%	60.2%	1.6%	1.65%
FCF	—	—	—	—	-28.1%	-1.4%	-15.2%	-32.4%	-416.4%	-340.4%	-11.5%	-11.46%
EBITDA	—	—	—	—	5.8%	1.9%	62.3%	7.3%	31.4%	85.1%	2.2%	2.17%
Op. Income	—	—	—	—	5.4%	1.7%	51.3%	-1.9%	26.0%	74.5%	2.1%	2.12%
OCF Growth	snapshot only											-1.25%
Asset Growth	snapshot only											3.42%
Equity Growth	snapshot only											1.17%
Debt Growth	snapshot only											19.63%
Shares Change	snapshot only											-4.13%
Dividend Growth	snapshot only											6.31%

Growth Quality

Metric	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Q4'26	Current
Revenue Stability	—	—	—	—	—	—	—	—	0.89	1.00	0.87	0.870
Earnings Stability	—	—	—	—	—	—	—	—	0.90	1.00	0.90	0.902
Margin Stability	—	—	—	—	—	—	—	—	0.57	0.58	0.62	0.620
Rev. Growth Consistency	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.000
FCF Positive Streak	0	0	0	0	1	0	0	0	0	0	0	0
Earnings Persistence	—	—	—	—	—	—	—	—	0.91	0.50	0.50	0.500
Earnings Smoothness	—	—	—	—	0.00	0.08	0.47	0.91	0.79	0.53	0.13	0.130
ROE Trend	—	—	—	—	—	—	—	—	0.05	0.06	0.00	0.003
Gross Margin Trend	—	—	—	—	—	—	—	—	0.35	0.33	-0.10	-0.096
FCF Margin Trend	—	—	—	—	—	—	—	—	-0.70	-0.57	-0.42	-0.421
Sustainable Growth Rate	10.6%	25.8%	29.9%	49.7%	36.8%	38.3%	31.2%	32.7%	25.6%	35.2%	35.4%	35.41%
Internal Growth Rate	8.6%	23.8%	27.1%	55.0%	40.8%	43.1%	27.4%	29.2%	14.5%	21.0%	16.4%	16.36%

Cash Flow Quality

Metric	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Q4'26	Current
OCF/Net Income	0.09	0.09	0.57	0.64	0.89	1.12	1.09	0.95	-0.33	-0.30	-0.11	-0.106
FCF/OCF	1.00	1.00	0.09	0.04	0.01	-0.01	-0.40	-0.86	10.11	9.23	20.30	20.305
FCF/Net Income	snapshot only											-2.157
OCF/EBITDA	snapshot only											-0.062
CapEx/Revenue	0.0%	0.0%	9.4%	12.3%	17.8%	24.6%	33.4%	41.1%	62.6%	49.8%	44.1%	44.11%
CapEx/Depreciation	snapshot only											12.433
Accruals Ratio	0.07	0.18	0.09	0.13	0.03	-0.03	-0.02	0.01	0.18	0.23	0.16	0.159
Sloan Accruals	snapshot only											-0.148
Cash Flow Adequacy	snapshot only											-0.051
Earnings Quality Score	snapshot only											0.250

Dividends & Buybacks

Metric	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Q4'26	Current
Dividend Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	0.1%	0.1%	0.06%
Dividend/Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.24	$0.46	$1.42	$1.64	$1.73	$1.00
Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.9%	1.7%	4.3%	3.7%	2.5%	2.49%
FCF Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	—	—	—	—	—	—	—
Total Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.9%	1.7%	4.3%	3.7%	2.5%	2.49%
Div. Increase Streak	—	—	—	—	—	—	0	0	0	0	1	0
Chowder Number	—	—	—	—	—	—	—	—	—	—	6.01	6.005
Buyback Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Net Buyback Yield	0.0%	0.0%	-0.0%	-0.0%	-0.0%	-0.0%	-0.8%	-1.2%	-1.6%	-2.2%	-2.2%	-2.24%
Total Shareholder Return	0.0%	0.0%	-0.0%	-0.0%	-0.0%	-0.0%	-0.7%	-1.2%	-1.5%	-2.1%	-2.1%	-2.11%

DuPont Factors

Metric	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Q4'26	Current
Tax Burden (NI/EBT)	0.78	0.76	0.71	0.74	0.73	0.73	0.76	0.78	0.78	0.75	0.70	0.703
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	0.99	0.99	0.98	0.92	0.90	0.91	0.911
EBIT Margin	0.27	0.25	0.26	0.27	0.28	0.30	0.29	0.30	0.29	0.30	0.34	0.336
Asset Turnover	0.37	1.02	1.16	1.77	1.43	1.38	0.99	0.99	0.64	0.88	0.67	0.670
Equity Multiplier	1.34	1.34	1.40	1.40	1.27	1.27	1.45	1.45	2.03	2.03	2.52	2.519

Per Share

Metric	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Q4'26	Current
EPS (Diluted TTM)	$4.55	$11.05	$16.53	$27.47	$26.49	$27.58	$26.21	$26.97	$32.58	$44.17	$69.42	$69.42
Book Value/Share	$42.91	$42.83	$55.32	$55.27	$104.45	$104.63	$115.75	$112.56	$139.06	$138.16	$261.59	$253.59
Tangible Book/Share	$42.91	$42.83	$55.32	$55.27	$104.45	$104.63	$115.75	$112.56	$117.86	$117.09	$209.00	$209.00
Revenue/Share	$21.47	$58.95	$89.67	$137.12	$130.83	$126.71	$119.99	$115.98	$158.33	$215.37	$322.72	$392.67
FCF/Share	$0.40	$0.98	$0.88	$0.79	$0.26	$-0.36	$-11.52	$-22.06	$-109.94	$-120.30	$-149.74	$-86.06
OCF/Share	$0.40	$0.98	$9.35	$17.70	$23.56	$30.76	$28.51	$25.55	$-10.88	$-13.03	$-7.37	$-28.99
Cash/Share	$8.97	$8.95	$5.09	$5.08	$19.82	$19.85	$11.03	$10.72	$25.76	$25.59	$52.96	$49.91
EBITDA/Share	$6.03	$15.06	$24.28	$38.50	$37.85	$39.61	$36.20	$36.93	$49.71	$72.69	$119.84	$119.84
Debt/Share	$0.37	$0.37	$3.18	$3.18	$0.67	$0.67	$18.15	$17.65	$147.33	$146.37	$390.68	$390.68
Net Debt/Share	$-8.60	$-8.58	$-1.91	$-1.90	$-19.15	$-19.18	$7.13	$6.93	$121.58	$120.78	$337.73	$337.73

Academic Models

Metric	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Q4'26	Current
Altman Z-Score	—	—	—	—	—	—	—	—	—	—	—	2.482
Altman Z-Prime	snapshot only											3.630
Piotroski F-Score	3	3	3	3	5	7	6	4	2	2	2	2
Beneish M-Score	—	—	—	—	-1.08	-1.34	2.09	2.19	1.29	1.38	7.18	7.182
Ohlson O-Score	snapshot only											-8.483
ROIC (Greenblatt)	snapshot only											26.06%
Net-Net WC	snapshot only											$-331.16
EVA	snapshot only											$8683193175.69

Credit

Metric	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Q4'26	Current
Credit Rating	snapshot only											BBB-
Credit Score	96.36	96.64	87.65	87.52	94.81	89.29	87.13	86.85	70.04	70.79	51.21	51.208
Credit Grade	snapshot only											10
Credit Trend	snapshot only											-35.923
Implied Spread (bps)	snapshot only											350.000
Industry Credit Rank	snapshot only											45
Sector Credit Rank	snapshot only											41

LLOYDSME.NS NSE

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

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