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Trust Fintech

TRUST
Micro Cap
(%) 1D
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1D1W1M3M6M1YMAX

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Trust Fintech Share price and Fundamental Analysis

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Trust Fintech Ltd (TFL) was originally incorporated on December 15, 1998 as a Private Limited Company as 'Trust Systems and Software (India) Limited with the Registrar of Companies, Mumbai. The Company was converted from a Private Limited Company to Public Limited Company and consequently, the name of Company was changed to Trust Systems and Software (India) Limited'. A Fresh Certificate of Incorporation consequent to Conversion was issued on September 29, 2023 by the Registrar of Companies, Mumbai. Further, the Company changed its name from 'Trust Systems and Software (India) Limited' to 'Trust Fintech Limited' and a fresh Certificate of Incorporation was issued on December 14, 2023 by the Registrar of Companies, Mumbai.
Company Incorporation1998
ChairmanNA
Head QuartersNA
Previous NameNA

Key Metrics

Market Cap (Cr)
179.64
PE Ratio
14.36
Industry P/E
52.63
PEG Ratio
0
ROE
9.83%
ROCE
12.82%
ROA
9.13%
Total Debt (Cr)
0
Debt to Equity
0
Dividend Yield
0%
EPS
5.25
Book Value & P/B
42.21 x 1.79
Face Value
10
Outstanding Shares(Cr)
2.38
Current Ratio
10.47
EV to Sales
5.39

Stock Returns

1 Week-6.91%
1 Month-10.56%
6 Months-63.45%
1 Year-73.54%
3 Years-49.87%
5 Years-49.87%

CAGR

1 Year CAGR

Revenue Growth

+55.45%

Net Profit Growth

+210.83%

Operating Profit Growth

+201.91%

Dividend Growth

N/A

Stock Returns CAGR

-73.54%
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2.1
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Corporate Action

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Financials

Profit and Loss Statement

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Director Report
Chairman Report
Auditor Report
Mar 25

Promoters : 68.85%

FIIs : 0.09%

DIIs : 0.05%

Public : 31.01%

Promoter
FII/FPI
DII
Public
Promoter Pledge stands at 0.0% of holding in March 2025 Qtr
DII Shareholding Increased by 0.02% to 0.05% in March 2025 Qtr
FII Shareholding Decreased by 0.44% to 0.09% in March 2025 Qtr

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Key Ratios

Profitability
Valuation
Liquidity

ROE

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ROCE

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ROA

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NPM

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Dividend History

Trust Fintech Competitors

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5 Year FactSheet

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Growth Ratios
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Cashflow Ratios
Debt and Liquidity
Efficiency Ratios

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Trust Fintech Management and History

Company Management

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Company History

Trust Fintech Ltd (TFL) was originally incorporated on December 15, 1998 as a Private Limited Company as 'Trust Systems and Software (India) Limited with the Registrar of Companies, Mumbai. The Company was converted from a Private Limited Company to Public Limited Company and consequently, the name of Company was changed to Trust Systems and Software (India) Limited'. A Fresh Certificate of Incorporation consequent to Conversion was issued on September 29, 2023 by the Registrar of Companies, Mumbai. Further, the Company changed its name from 'Trust Systems and Software (India) Limited' to 'Trust Fintech Limited' and a fresh Certificate of Incorporation was issued on December 14, 2023 by the Registrar of Companies, Mumbai.

Trust Fintech Limited is basically a Nagpur based SaaS Product focused company which has carved a niche in providing Core Banking Software, IT Solutions, ERP Implementation and Customized Software Solutions Development, SAP B1 and Offshore IT services for the BFSI Sector. The Company was founded by Mr. Hemant Chafale, Mr. Heramb Ramkrishna, Mr. Mandar Kishor Deo in delivering secured core banking solutions & world-class technology solutions to a virtually integrated banking and financial ecosystem.

The Company is majorly involved into Implementation, and deployment of Core banking Software i.e. TrustBankCBS or MicroFinS. TrustBankCBS mainly serves the needs of medium to large banks & financial institutions and MicroFinS serves the needs of Small & growing Co-operative Societies, SACCOS & similar banking institutions. Their flagship product, TrustBankCBS, is a web-based software. Alternatively, it is also available as Off-the-Shelf Banking Software Solution in a 'Software as a Service' (SaaS) model.

TrustBankCBS, with its diverse in-built modules, streamlines banking operations by offering end-to-end solutions. It facilitates seamless customer onboarding, KYC compliance, and robust loan management. The system enhances front office and back office efficiency, ensuring smooth retail and corporate banking services. It provides features like digital banking interfaces, statutory compliance reports, and anti-money laundering tools, contributing to operational transparency and regulatory adherence. With modules for treasury management, funds automation, and business intelligence, TrustBank CBS empowers banks to operate efficiently, meet compliance requirements, and deliver a superior customer experience. Also, the Company has served this Core Banking Software Product (TrustBankCBS) in India Sri Lanka, Nepal, California, Ghambia, Tanzania, Ghana, Liberia, Nigeria, Zimbabwe, and few more countries.

On the other hand, MicroFinS is a cost-effective, cloud-based Core Banking Solution for Savings & Credit for Co-operative Society (SACCOS), Credit Unions, Microfinance Institutions. Developed on an open-source platform i.e. PHP, MYSQL Running on Ubantu Linux OS. So, it is a complete CBS with a minimal total cost of ownership (TCO) compared to alternatives available for SACCOS.

MicroFinS offers a comprehensive suite of solutions, covering diverse accounts, deposits, centralisable configurations, business intelligence, loans, and statutory compliances. Its graphical Business Intelligence reports enable quicker decision-making, while features like configurable loan products and centralized parameters streamline operations, making it a valuable asset for SACCOS by focusing on affordability and efficiency.

The Company propose a Public Issue of 62,82,000 Equity Shares through Fresh Issue.

Trust Fintech Share Price

Trust Fintech share price reflects investor sentiment toward the company and is impacted by various factors such as financial performance, market trends, and economic conditions. Share price is an indicator which shows the current value of the company's shares at which buyers or sellers can transact.

Trust Fintech Market Cap

Market capitalization of Trust Fintech indicates the total value of its outstanding shares. Marketcap is calculated by multiplying share price and outstanding shares of the company. It is a helpful metric for assessing the company's size and market Valuation. It also helps investors understand how Trust Fintech is valued compared to its competitors.

Trust Fintech PE Ratio

Trust Fintech PE ratio helps investors understand what is the market value of each stock compared to Trust Fintech 's earnings. A PE ratio higher than the average industry PE could indicate an overvaluation of the stock, whereas a lower PE compared to the average industry PE could indicate an undervaluation.

Trust Fintech PEG Ratio

The PEG ratio of Trust Fintech evaluates its PE ratio in relation to its growth rate. A PEG ratio of 1 indicates a fair value, a PEG ratio of less than 1 indicates undervaluation, and a PEG ratio of more than 1 indicates overvaluation.

Trust Fintech ROE (Return on Equity)

Return on Equity (ROE) measures how effectively Trust Fintech generates profit from shareholders' equity. A higher ROE of more than 20% indicates better financial performance in terms of profitability.

Trust Fintech ROCE (Return on Capital Employed)

Return on Capital Employed (ROCE) evaluates the profitability of Trust Fintech in relation to its capital employed. In simple terms, ROCE provides insight to investors as to how well the company is utilizing the capital deployed. A high ROCE of more than 20% shows that the business is making profitable use of its capital.

Trust Fintech Total Debt

Total debt of Trust Fintech shows how much the company owes to either banks or individual creditors. In simple terms, this is the amount the company has to repay. Total debt can be a very useful metric to show the financial health of the company. Total debt more than equity is considered to be a bad sign.

Trust Fintech Debt to Equity Ratio

The Debt-to-Equity (DE) ratio of Trust Fintech compares its total debt to shareholders' equity. A higher Debt to Equity ratio could indicate higher financial risk, while a lower ratio suggests that the company is managing its debt efficiently.

Trust Fintech CAGR (Compound Annual Growth Rate)

CAGR shows the consistent growth rate of Trust Fintech over a specific period, whether it is over a month, a year, or 10 years. It is a key metric to evaluate the company’s long-term growth potential. Main metrics for which CAGR is calculated are net sales, net profit, operating profit, and stock returns.

Trust Fintech Technical Analysis

Technical analysis of Trust Fintech helps investors get an insight into when they can enter or exit the stock. Key components of Trust Fintech Technical Analysis include:

Support Levels (S1, S2, S3)

There are usually multiple support levels, but the main support levels for a stock are S1, S2, S3. Support levels indicate price points where stock might get support from buyers, helping the stock stop falling and rise.

Resistance Levels (R1, R2, R3)

There are usually multiple resistance levels, but the main resistance levels for a stock are R1, R2, R3. Resistance levels represent price points where Trust Fintech shares often struggle to rise above due to selling pressure.

Trust Fintech Dividends

Dividends refer to the portion of the company’s profits distributed to its shareholders. Dividends are typically paid out in cash and reflect Trust Fintech ’s financial health and profitability.

Trust Fintech Bonus Shares

Bonus shares are usually given by companies to make the stock more affordable, increase liquidity, boost investor confidence, and more.

Trust Fintech Stock Split

Stock split increases the number of its outstanding shares by dividing each existing share into multiple shares. When the company offers a stock split, the face value of the stock reduces in the same proportion as the split ratio.

Trust Fintech Financials

The financials of Trust Fintech provide a complete view to investors about its net sales, net profit, operating profits, expenses, and overall financial health. Investors can analyze financial data to assess the company’s stability and also understand how the company has been growing financially.

Trust Fintech Profit and Loss Statements

The profit and loss statement of Trust Fintech highlights its net sales, net profit, total expenditure, and operating profits in the current financial year. This Profit and Loss statement is crucial for evaluating the profitability and financial stability of Trust Fintech .

Trust Fintech Balance Sheet

The balance sheet presents a snapshot of Trust Fintech ’s assets, liabilities, and equity of shareholders, providing insights into the financials of the company.

Trust Fintech Cashflow Statements

Cashflow statements track the company's cash inflows and outflows over a period. It is an essential tool for understanding how well the company manages its liquidity and finances.

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