BPCL

About

BPCL has interests in oil refining and marketing of petroleum products. It is the third largest
refining company in India. BPCL is a public sector firm in which the government of India holds
54.93% as of March 2016.

Investment
Argument

Petroleum sales volume are expected to witness steady growth in the coming years. This would
lead to increase in profitability of the company led by lower interest and higher marketing margin.
BPCLs (10% stake) Mozambique block has witnessed great resource upgrades and further
appraisal could add more upgrades. Since Oil prices are globally in the range of 40-50$ for past
few months, the company is expected to report profits in the coming quarters due to subsidy
cancellation. The government of India has also entirely deregulated diesel prices and has also
speedup the implementation of direct benefit transfer of LPG. These measures will help the
government to tap the slippage in subsidy given on LPG and eventually decline the gross underrecoveries for the oil companies.

Risk

Although oil prices are stabilizing, there is still uncertainty in the market about future oil prices.
The long-term profitability will be impacted by sustained high oil prices.

Financials

FY

CMP

Sales

OPM
(%)

EPS

PE

BVPS

PBV

EV/Sales

ROE
(%)

2016 03

981.10

188447

6.35

110.38

8.88

387.75

2.53

0.46

28

2015 03

981.10

242418

2.78

66.47

14.75

311.87

3.14

0.34

21

Pidilite Industries

About

Pidilite Industries (Pidilite) is a dominant play in Indias growing adhesive and industrial chemical
market with a market share of ~70% in its leading brand categories in the organized segment. The
company has 14 overseas subsidiaries including manufacturing and selling operations in the US,
Brazil, Thailand, Dubai, Egypt, and Bangladesh. Some of the companys most well-known brands
are Fevicol, M Seal, Dr. Fixit, Fevi Kwik, Hobby Ideas, etc.

Investment
Argument

Pidilite Industries has a high pricing power in the consumer segment due to its strong brands. Flagship brands
such as Fevicol, Feviquick and M-Seal enjoys a monopoly in the market with 70% market share each. It is
expected to benefit from the expansion opportunity of its distribution network and implementation of GST.
The expectation of good monsoon in the country will boost the demand for its products in the market. The
company exports its products to 20 countries. The sales for Q4 FY 16 grew by 19% from Rs.1043 Cr in Q4 FY 15
to Rs. Rs.1241 Cr in the Q4 FY 16. The growth in sales was supported by higher volumes rather than value
growth in the quarter. The company has healthy ROE of 26.04% for past 5 years.

Risk

The revenues of the company could be impacted due to a slowdown in industrial segment and low
demand in real estate sector.

Financials

FY

CMP

Sales

OPM (%)

EPS

PE

BVPS

PBV

EV/Sales ROE(%)

2016 03

710.80

5369.45

19.57

14.74

48.22

54.27

13.09

6.73

27.14

2015 03

710.80

4844.11

13.66

10

71.08

44.28

16.05

7.52

22.57

HDFC Bank

About

HDFC Bank is the largest bank in India by market capitalization and second largest
private banks by assets as on 31st March 2016. It has 4,520 branches and 12,000 ATMs
across 2,587 cities and towns as on 31st March 2016. It also has two subsidiaries HDB
Financial Services Limited and HDFC Securities Limited..

Investment
Argument

The bank has clean balance sheet and very good asset quality compared to other banks, the gross
non-performing assets were at 0.94% and net non-performing assets were at 0.3% as on March
31, 2016. The total restructures loans were at 0.1% of gross advances as on 31st March 2016. The
net interest margin was at 4.3% and CASA was at 43% as on 31st March 2016 which is again good
compared to other banks. The banks also have good domestic loan mix of 51:49 between retail
and wholesale. The bank will also benefit from the revival in rural demand as it has 55% branches
in rural and semi-urban areas. We believe that HDFC Bank is well positioned for high qualitative
growth, with strong Capital Adequacy Ratio, pan-India presence, and robust asset quality.

Risk

The rapid change in technology in the banking is a challenge for the bank as it has to spend more
to meet the customers requirement. The slowdown in Indian economy can lead to slow growth
for the bank. The interest rate risk is always present..

Financials

FY

CMP

Sales

OPM(%)

EPS

PE

BVPS

PBV

ROE(%)

2016 03

1166.15

63161.57

35.57

50.9

22.91

293.90

3.96

17.24

2015 03

1166.15

50566.49

36.28

44.1

26.44

249.79

4.66

16.94

Marico

About

Marico is among India's leading FMCG companies, Currently present in 25 countries across
emerging markets of Asia and Africa. Marico has nurtured multiple brands in the categories of hair
care, skin care, health foods, male grooming, and fabric care. Currently, Marico has 58% and 55%
market share in premium edible oil segment and coconut hair oil segment respectively.

Investment
Argument

Going ahead, we believe that with Maricos increasing focus in Bangladesh markets and stabilizing economic
situation in other markets, international business growth is expected to remain healthy aiding the overall
revenue growth for the company.
Parachute oil demand is continuous to grow irrespective of heavy
competition in the market in the hair oil segment. This can be attributed to the strength of the brand. The
company is also confident of maintaining the double-digit volume growth of Saffola oil. Marico is planning to
increase its revenue contribution from rural sales in next 3 years to 37% from current 34% by launching low
unit packs. A good monsoon will also revive the rural demand. We believe that Marico remains a key play in
the hair care and food space in India and is one of the key players in the India consumer space.

Risk

Patanjali has disturbed the FMCG sector by launching the product in almost all categories. This will
also impact the sale of Marico. Parachute business may get impacted because of competition from
unorganized sector.

Financials

FY

CMP

Sales

OPM(%)

EPS

PE

BVPS

PBV

EV/Sales

ROE(%)

2016 03

255.70

6122.39

15.69

5.62

45.49

16.21

15.77

4.57

34.56

2015 03

255.70

5720.28

13.73

4.45

57.46

28.29

8.85

5.74

31.42

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