No Entry Load – No Agent Commission on ULIPs

High distributor commissions and upfront charges on insurance products appear to be the key areas of contention in the recent regulatory tussle between IRDA and SEBI. From media reports, the finance minister appears inclined towards a no-load model for all financial products over the long term.

We believe insurance companies will need to gradually reduce upfront distributor payouts or may even have to move close to a (more…)

Nitin Fire – Growth in All Segments

Nitin Fire Protection Industries Ltd – reported a strong 4QFY10 performance, with revenues more than doubling yoy (104%) to Rs1,054m, while earnings jumped 179% to Rs155m. Sales and earnings for FY10 grew 28% and 27%, respectively.

All the three business segments contributed to the 104% yoy revenue growth in 4QFY10. The fire-fighting business grew 46% yoy, (more…)

Magma Fincorp – Insight

Magma Fincorp (Magma) is one of the larger non-banking finance companies in India (Rs94bn AUM). It has a diverse funding suite of CVs, cars, construction equipments, SME and tractor loans. It has recently entered into a JV with HDI Gerling of Germany for setting up a non-life insurance subsidiary in India. While Magma is a relatively diversified business, comparable listed peers would be SREI, Shriram Transport, Sundaram Finance.

Business Operations – Balance sheet loans formed only 30% of total (more…)

Infosys Technologies – Hope of Revenue Guidance

Infosys Technologies has put a dismal performance for the FY 2009-2010.  Pricing declined ~70 bps (constant currency). EBITDA margin declined ~150bps (our exp: ~90bps decline). Reported net profit was Rs16b, in line. However, excluding gains on sale of investment (Rs.480m), it was lower than expectations.

The company expects Overall, US$ revenue growth guidance builds in 3-4% QoQ growth for its guidance  of 16-18% YoY revenue growth.  EPS (more…)

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