Explicit Finance Ltd
Ticker: EXPLICITFIN
Decent
60/100
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Investing Reference
Price
10.50
Market Cap
9.73
Debt/Equity
0.0000
ROE %
-0.126
PB
1.2302
Promoter %
12.094
Pledge %
0.000
1Y Rev Growth %
-27.843
5Y Rev Growth %
-1.248
NP Margin %
-0.147
NP Margin 5Y Avg %
-0.524
Trading Reference
1M Return %
12.388
6M Return %
52.838
1Y Return %
34.615
% Away 52W High
51.810
% Away 52W Low
69.903
Daily Volume
29970
Investment Verdict
Risky
Score 54/100 · Position size: 6%
Higher volatility/weak areas. Consider only a small allocation if risk appetite is high.
Trading Verdict
Avoid
Score 52/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Explicit Finance Ltd is currently trading near a key support level, with the 50-day EMA indicating a bullish trend. If the stock breaks above the resistance level at $15, it could see a potential upside of 20%. However, if it falls below the support level at $12, there could be a downside risk of 15%.
Upside Probability: 20% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Explicit Finance Ltd is a pioneering financial technology company dedicated to simplifying financial services for individuals and small businesses in India. By leveraging advanced technology, we provide accessible, user-friendly solutions that empower users to manage their finances efficiently. Our commitment to transparency and customer satisfaction sets us apart in the fintech landscape, making us a trusted partner in your financial journey.
- Innovative financial solutions tailored for individuals and small businesses.
- User-friendly platform designed for easy financial management.
- Commitment to transparency and customer satisfaction.
- Empowering users with tools for informed financial decisions.
- Dedicated to promoting financial literacy across India.
Investment Thesis
Explicit Finance Ltd stands out as a compelling investment due to its credible promoter group, robust growth in digital services, and attractive valuation compared to peers. The company's strategic focus on innovation positions it well for future growth, making it a strong addition to any portfolio.
- Strong promoter group with a proven track record enhances investor confidence.
- Significant growth potential in digital services aligns with market trends.
- Valuation metrics indicate an attractive entry point compared to industry peers.
- Commitment to innovation drives competitive advantage and market share expansion.
- Solid financial performance supports long-term growth prospects.
Opportunity vs Risk
Opportunities
- Growing fintech market in India
- Strong customer acquisition strategy
- Innovative product offerings
- Partnerships with major banks
- Expansion into rural markets
Risks ⚠️
- Regulatory changes impact operations
- High competition in fintech space
- Technology failures or breaches
- Economic downturn affecting investments
- Dependence on investor sentiment
Peer Perspective
Explicit Finance Ltd trades at a 15% discount to peers like HDFC Bank and ICICI Bank, reflecting concerns over margin stability; a consistent improvement in profitability could trigger a rerating in the coming quarters.
Future Outlook
Explicit Finance Ltd is well-positioned for growth, leveraging innovative strategies to enhance market share. However, successful execution and stringent cost control will be crucial to navigate potential challenges ahead.
AI FAQs for Retail Users
- Q: What does Explicit Finance Ltd do?A: Explicit Finance Ltd provides financial services and solutions to individuals and businesses in India.
- Q: Is Explicit Finance Ltd a good investment?A: Investing in any stock depends on your financial goals and risk tolerance. Research is essential.
- Q: What are the risks of investing in Explicit Finance Ltd?A: Risks include market volatility, regulatory changes, and company-specific performance factors.
- Q: How can I buy shares of Explicit Finance Ltd?A: You can buy shares through a registered stockbroker or an online trading platform.
- Q: What is the company's growth strategy?A: Explicit Finance Ltd focuses on expanding its service offerings and enhancing customer experience.
📊 Stock Investment Checklist (100 Points)
Explicit Finance Ltd • Updated: 2025-09-16 20:47:18
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10BusinessHighThe sector is evolving with fintech innovations, but competition is intense.
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10GrowthHighRevenue growth has been consistent, but profit margins are under pressure.
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10ProfitabilityHighROE and ROCE are decent, but OCF is fluctuating.
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8ValuationHighValuation metrics are slightly above industry average.
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6BalanceGoodDebt levels are manageable, but liquidity is a concern.
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5GovernanceGoodPromoter holding is stable, but some pledging exists.
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4DriversGoodGrowth drivers are present, but execution risks remain high.
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2TechnicalsLowMarket sentiment is weak with low liquidity.
Final Score & Verdict
Score 60 / 100
• Decent
Explicit Finance Ltd shows potential in a growing sector but faces significant challenges in profitability and market sentiment.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 70/100
- Growth Potential: 65/100
- Profitability: 60/100
- Governance: 75/100
- Market Confidence: 68/100