Latest news with #PranjalKamra
Mint
04-08-2025
- Business
- Mint
3 best stock screens to find multibagger stocks in India
In a market flooded with tips, trends, and volatility, it's easy to miss stocks that quietly turn into multibaggers over time. But if you study India's top wealth creators, whether it's Page Industries, Astral Poly, or Balkrishna Industries, you'll notice a pattern: the stock price often follows the numbers. Their common traits: high earnings growth, capital efficiency, and improving margins while still being reasonably priced. Based on historical multibagger patterns, we've curated three practical stock screens that help identify such opportunities early. These screens are inspired by Pranjal Kamra's investing philosophy, focusing on business quality, valuation, and smart money signals. Take the first step towards potential wealth growth. Run the exact queries discussed in the article on Finology Ticker, one of the best stock screeners available, to view the complete list of stocks that match today for free. What It Finds: Companies where profits are growing fast but the stock price hasn't caught up yet. Why It Works: Stocks that stay flat for years despite improving earnings are like springs being compressed. When the market finally notices, the rerating is fast and big. Think 3x–5x moves in just a few years. Real Pattern: When a stock trades close to its 5-year average PE but earnings suddenly jump 20–25%, it often signals a quiet compounder about to get loud. PE Ratio 5 AND EPS Growth Y1 > 20 AND ROCE 5yr Avg > 12 AND Debt to Equity Y1 < 1 AND Promoter Pledging Q1 < 1 AND MCAP > 500 AND MCAP < 50000 AND Net Profit 5yr CAGR > 15 Run this on Finology Ticker to see which companies currently fit this profile. Source: Finology Investor Tip: Don't chase momentum. Instead, use Ticker to track earnings strength and valuations together, especially for companies that are improving under the radar. What It Finds: Companies with high return on capital (ROCE), low debt, and steady sales growth are hallmarks of capital-efficient businesses. Why It Works: Businesses that earn ₹ 25+ on every ₹ 100 invested, and do it without borrowing, often grow steadily for years. They don't need hype; they let numbers do the talking. Many past multibaggers were built on this foundation. Real Pattern: Companies like Pidilite and Astral started as small caps with high ROCE and zero debt, then compounded into giants. This screen helps spot similar businesses early. Strong ROCE + low debt + promoter skin in the game =sustainable compounding. ROCE 5yr Avg > 25 AND Debt to Equity Y1 < 0.5 AND Net sales 5yr CAGR > 18 AND Promoter Holding Q1 > 40 AND Promoter Pledging Q1 < 1 AND Net Profit 5yr CAGR > 15 AND MCAP > 1000 You can run this exact screener on Finology Ticker for free and explore stocks that match your criteria. Source: Finology Pranjal Kamra says that 'Compounding isn't about catching the next rocket. It's about finding reliable engines that keep running,'. Companies with high ROCE and clean balance sheets tend to do exactly that. What It Finds: Companies that are generating solid free cash flow, expanding margins, and reinvesting wisely are well-positioned. Why It Works: A rising operating margin often means better pricing power or cost control. Combine that with free cash flow, and you have a business that funds its growth, safely and steadily. Real Pattern: Stocks like Page Industries saw multibagger returns when their margins expanded and cash flows surged. If a company is growing margins and generating cash, it signals internal strength. And the market rewards that, often with a rerating. FCFF 3yr Avg > 100 AND ROIC Y1 > 12 AND Dividend Payout 5yr Avg < 30 AND Operating Margin Q1 > Operating Margin Q2 AND Operating Margin Q2 > 15 AND MCAP > 1000 AND Promoter Pledging Q1 < 1 AND ROCE 3yr Avg > 15 To see current stocks matching this query, just run it on Finology Ticker's stock screener. Source: Finology Bonus Tip: In Finology Ticker's stock page, you can get an in-built DCF valuation calculator to value a company using Free Cash Flow and its growth. These screeners focus on what really matters: Earnings growth that's ahead of market recognition Profitability is measured through ROCE, margins, and cash flows Clean promoter behaviour and balance sheets No hype, just strong fundamentals Each of these traits has been seen in real multibaggers before they became famous. By turning these into simple screeners on Finology Ticker, you're basically reverse-engineering success. Multibaggers aren't found in tips or Telegram groups. They're discovered in financial statements long before the market catches on. The good news? With tools like Finology Ticker, you no longer need to be an analyst to do this. Many long-term investors use Ticker's screener to save their screens and then run them every few weeks, helping them stay alert without reacting to daily market noise. As Pranjal Kamra says, 'Good investing is boring. But it works.' Start with proven filters, ignore the noise, and let the numbers guide you. The next multibagger might already be on your screen; you just need the right lens to spot it. Finology is a SEBI-registered investment advisor firm with registration number: INA000012218. Disclaimer: The views and recommendations made above are those of individual analysts or broking companies, and not of Mint. We advise investors to check with certified experts before making any investment decisions.
Mint
30-07-2025
- Business
- Mint
7 stock market red flags every Indian investor must avoid
"The essence of investment management is the management of risks, not the management of returns." - Benjamin Graham India's stock market has been booming, crossing the $5 trillion milestone. With millions of new investors entering the scene, the opportunity is massive, but so are the risks. According to Pranjal Kamra, founder of Finology, 'Most investing mistakes aren't made because people choose the wrong stock, but because they ignore basic red flags.' His years of market experience show that avoiding certain traps is just as important as spotting winning companies. Here are 7 major red flags every Indian investor should watch for, along with practical checks you can perform using tools like the Finology Ticker stock screener. 1. Companies That Keep Losing Money Just because an industry is growing doesn't mean every player in it will survive. Avoid companies that consistently post losses, regardless of their sector. Examples: Vodafone Idea: Despite massive demand for telecom services in India, the company has struggled with continuous losses due to its massive debt. Despite massive demand for telecom services in India, the company has struggled with continuous losses due to its massive debt. Paytm (in its early years): The digital payments sector was growing rapidly, but the company posted huge losses before finally turning profitable through aggressive cost-cutting. Pro Tip - Use the Finology Ticker Screener to filter out loss-making companies by checking consistent net profit over the years. 2. Low Return on Equity (ROE) ROE indicates how well a company uses shareholders' money to generate profit. An ROE below 10-12% for several years may indicate poor capital efficiency. Example: Many public sector banks underperformed for years due to low ROE compared to private sector peers. Pro Tip - With Finology Ticker, you can screen for companies consistently delivering ROE above 15%. 3. Overpriced Stocks with Slowing Growth High valuations only make sense if a company's earnings are expected to grow fast. If growth slows, the stock price can fall sharply, even for well-known names. Example: Companies like Nerolac Paints, Bata India, and Whirlpool were market darlings, but their high prices couldn't protect investors when their growth slowed down. (5-Year CAGR Return as on 25th July from Finology Ticker) Investor Tip: 'Valuation without growth is just speculation,' says Pranjal Kamra. Focus on earnings growth and not just brand names. 4. Hype-Driven Stocks Without Profits Trendy themes like AI, drones, or green energy attract attention, but not always profits. When narratives fade, stock prices can fall sharply. Case in point: Adani Green Energy saw a steep correction despite the renewable sector's promise, as valuations outpaced earnings. Pranjal Kamra advises: 'Always look at numbers first.' Use Ticker's financial reports to verify earnings and margins. If you want help picking fundamentally sound stocks backed by research, not trends - Finology 30 curates one quality stock every 12th day, with its max buy price and fair valuation clearly defined. 5. Stock Tips from Unverified 'Finfluencers' Many social media stock tips lack research or accountability. SEBI has started cracking down on such unregulated advice. Investor Tip: Always check official data, like annual reports and filings. The Finology Ticker platform simplifies access to verified company information, helping investors make informed decisions. Just visit their report section for free. (Source: Finology Ticker Reports) 6. Weak or Controversial Management A company is only as strong as its leadership. Frequent strategy shifts, legal troubles, or senior resignations are signs of deeper issues. Red Flags to Watch: Frequent CEO or CFO resignations Ongoing regulatory issues or lawsuits No clear long-term strategy Example: Manpasand Beverages collapsed after audit irregularities raised serious governance concerns. 7. High Debt and Poor Interest Coverage Debt isn't always bad, but if a company can't pay its interest, that's a red flag. A quick check is the Interest Coverage Ratio (ICR). An ICR below 1 means the company isn't earning enough to service its loans. Investor Tip: Choose companies with ICR above 2. Finology Ticker offers an ICR filter to help spot financially sound firms in seconds. (Source: Finology Ticker Screener) Final Checklist for Safer Investing Here's a quick summary of red flags and how to avoid them using simple checks: Profits matter : Avoid companies with consistent losses. : Avoid companies with consistent losses. ROE check : Look for Return on Equity above 15%. : Look for Return on Equity above 15%. Valuation vs. growth : Don't overpay for slowing companies. : Don't overpay for slowing companies. Ignore hype : Trends are risky without real earnings. : Trends are risky without real earnings. Avoid finfluencer tips : Trust data-backed platforms like Finology Ticker. : Trust data-backed platforms like Trustworthy management : Watch for frequent exits or legal issues. : Watch for frequent exits or legal issues. Debt caution: Stick to firms with an Interest Coverage Ratio above 2. Closing Thoughts Great investing isn't about finding the next multi-bagger; it's about avoiding mistakes that erode your capital. As Pranjal Kamra puts it: 'You don't need to be a genius to invest well. You just need discipline and the right tools.' Platforms like Finology Ticker make this easier by providing key financial insights and filters at your fingertips. Start using free tools like Ticker's stock screener to spot red flags before they cost you money. By following a simple, checklist-driven approach, Indian investors can build portfolios that survive the noise and thrive in the long run. Finology is a SEBI-registered investment advisor firm with registration number: INA000012218. Disclaimer: The views and recommendations made above are those of individual analysts or broking companies, and not of Mint. We advise investors to check with certified experts before making any investment decisions.
Time of India
09-07-2025
- Business
- Time of India
India's average household debt rises 23% in 2 years, says financial expert
India is witnessing a significant transformation in its household borrowing pattern, with debt increasingly directed toward consumption rather than asset creation. According to personal finance expert Pranjal Kamra, the average debt per individual has jumped by 23% in just two years, rising from ₹3.9 lakh in 2023 to ₹4.8 lakh by March 2025. More than half of this borrowing now goes toward personal spending rather than traditional investments like homes. In a recent LinkedIn post, Kamra highlighted a concerning shift in household borrowing: non-housing retail loans—including credit card dues, personal loans, and auto loans—now make up 55% of total household debt, while home loans account for just 29%. A comparison of retail loan growth before and after the pandemic reveals the depth of the change: by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Join new Free to Play WWII MMO War Thunder War Thunder Play Now Undo Retail Loan Growth (CAGR): Pre-pandemic (FY09–19) vs Post-pandemic (FY19–24): Credit Cards: 12.1% → 21.0% Personal Loans: 15.1% → 18.2% Live Events Vehicle Loans: 16.5% → 14.8% Housing Loans: 19.0% → 15.5% Credit card spending has seen the most dramatic growth, increasing 13 times over the past 13 years—from ₹1.2 lakh crore to ₹15.6 lakh crore. During the same period, the number of credit cards in use has grown more than fivefold—from 2 crore to 10.8 crore. Kamra summed it up pointedly: 'Our parents borrowed to build assets. Today, most people borrow to fuel instant gratification.' Experts warn that the surge in unsecured lending could increase default risks and reduce financial stability in the long run. While this trend may temporarily boost economic activity, it also points to a shift in how young Indians approach money, credit, and consumption. The Reserve Bank of India has also raised red flags in recent months, cautioning against the sharp rise in personal loan and credit card debt, which could strain household finances if not properly managed. As this trend deepens, it poses a critical question for borrowers, banks, and policymakers alike: Is this a sign of a shifting consumer culture—or a warning signal for future financial stress?
Hindustan Times
17-05-2025
- Business
- Hindustan Times
From ₹2.4 LPA to ₹1 crore before 30: Bengaluru techie shares his journey to financial freedom
A Bengaluru software engineer's financial journey, from earning ₹15,000 per month in a shared PG to building a ₹1 crore net worth before turning 30, is striking a chord online after he shared his life story on Reddit. In a post titled 'Milestone Check: Started at 2.4 LPA at 23, Achieved ₹1 crore before turning 30', the Redditor reflected on how he rose from a low-income household and an underdog engineering college to secure a high-paying job in a product-based company, while steadily building wealth through investing and discipline. 'This isn't a boast. It's my story, a reminder that no matter where you start, with patience and persistence, things can change,' he wrote. (Also Read: Bengaluru woman's ₹22.5 lakh valuables stolen from parked car, all recovered in 48 hours) After starting with ₹2.4 LPA in 2018, the user shared how he survived in Bengaluru by sharing a room in a PG, saving just ₹2,000 a month, and relying on financial help from relatives to get through college. But in three years, he had moved up to ₹12 LPA and then to ₹32 LPA, before stocks and bonuses helped him cross ₹45–50 LPA annually. One breakthrough moment? A ₹12 LPA job offer received while answering an HR call from the toilet, he joked. The now-savvy investor also confessed to early missteps, like locking ₹3.5 lakh in a monthly payout FD instead of investing. But YouTube channels like Pranjal Kamra's introduced him to mutual funds and SIPs. He now invests ₹71,000 per month and tracks his net worth religiously. 'That original FD? Now it's my emergency fund,' he wrote. His goal? Achieve Financial Independence (FI) by age 40, retire by 45. 'I don't want to work beyond 45, maybe not even a day beyond if I can help it,' he wrote, imagining a future where he's 'laughing at all this from a hilltop café in Himachal.' His advice to others starting out is t stay consistent, be frugal where it matters, and don't underestimate compounding, both in career and finances. (Also Read: Kiran Mazumdar-Shaw bats for HAL airport reopening, Bengalureans say 'not a good idea')
India Today
16-05-2025
- Business
- India Today
Bengaluru techie scales from Rs 2.4 LPA to Rs 1 crore net worth before 30. Here's how
A Reddit user from Bengaluru shared his story of rising from humble beginnings to achieving a Rs 1 crore net worth - without shortcuts, inheritance, or overnight success – before turning 30.'Milestone Check: Started at 2.4 LPA at 23, Achieved 1 crore Before Turning 30,' read the caption of the Reddit post that has gone viral on social media.'This isn't a boast. It's my story - a reminder that no matter where you start, with patience and persistence, things can change,' the user To begin with, the user wrote about his early life, explaining that he grew up in a low-income household where his father earned around Rs 8,000 a month and money was always scarce. Despite the odds, he managed to get into a decent private school and later joined an engineering college.'College fees were hard to afford, loans were rejected, but relatives stepped in and helped. We made it through,' he third year, he realised that he enjoyed programming more than anything else: 'Electronics slowly took a backseat, and I dove into writing code.'A placement at a service-based company marked the start of his professional journey in 2018 with a salary of Rs 2.4 LPA, roughly Rs 15,000 a month.'I was terrified. How do you survive in a city like Bangalore with that kind of salary? Turns out, a 3-sharing PG with friends and a talent for stretching Rs 500 like it's Rs 5,000 can go a long way. We even had fun. Tons of it,' he first big break came in early 2020, when he cleared interviews at a Big 4 company for a Rs 6-8 LPA role. But the pandemic had other plans. The offer disappeared as lockdowns began, and the company never responded again. But, he refused to give April 2021, he received a Rs 12 LPA job offer from a healthcare startup. It came with a tight condition: he had to reduce his notice period to 60 days. As luck would have it, since he was between projects at his current job, his manager let him go in 15 days.'Joined the healthcare startup in April 2021. The work was great. Team was solid. For a while, everything was smooth,' he working at the startup for over a year, he noticed colleagues quitting in waves during the 'Great Resignation.' Inspired, he started applying again and ended up receiving 13 job offers. He chose a Rs 32 LPA offer from a product-based company, where his compensation, owing to stock grants, has now reached Rs 45 - 50 Reddit user admitted that he started out clueless on the financial front. Until 2020, he stored his savings in his salary account or fixed deposits. His first major investment was a monthly payout FD of Rs 3.5 lakh, which he initially thought was a smart retirement I found YouTube finance. Watched a lot of Pranjal Kamra. Got introduced to SIPs, mutual funds, compounding - basically the whole adulting starter pack,' he he invests Rs 71,000 per month, manages a take-home salary of Rs 1.6 lakh, and still finds time (and money) for Zomato orders and travel. He's also taken health insurance for himself and his parents, and holds term insurance to secure his his financial growth, he lives simply. His phone is from 2019, his wardrobe mostly consists of free company t-shirts, and his footwear? Rs 250 shoes with Rs 1,000 soles. For him, comfort beats status.'For now, this works. I've never felt the urge to chase luxury. Hopefully, by 35-40, I'll hit a level of Financial Independence (FI) that allows me to choose peace over paychecks,' he said. advertisementFurthermore, he said that in the next one or two years, he planned to make one final career move, expressing his hope to stop working by the age of 45 - or even earlier, if possible: 'By then, I believe my investments and savings should be enough to cover my expenses. After that, I'd like to focus on other things - health, travel, hobbies, maybe even helping others who are where I once was.'The Reddit user, in conclusion, said: 'If you're starting out and feel lost, trust me - you don't need to have it all figured out. Just keep moving. Be frugal where it matters, splurge where it counts, and never underestimate the power of compounding - financial and career-wise.'Must Watch
