http://suchetadalal.com/forum/ Suchetadalal's Discussion Forum: Recent Posts en Sat, 31 Jul 2010 14:43:59 +0000 http://suchetadalal.com/forum/topic.php?id=83#post-159 Thu, 29 Jul 2010 15:08:33 +0000 k a prasanna 159@http://suchetadalal.com/forum/ <p>SKS MICRO IPO - Irrationally priced. After fleecing the poor, the company is trying to fleece the investors in the primary market. Do not buy the growth story. Do not apply. </p> http://suchetadalal.com/forum/topic.php?id=83#post-158 Wed, 28 Jul 2010 04:29:06 +0000 k a prasanna 158@http://suchetadalal.com/forum/ <p>SKS MICRO IPO: LOAN TO PROMOTER AT 0% AND TO THE POOR AROUND 30%P.A. SKS WAY OF FIGHTING POVERTY.</p> <p>The company advanced an interest free loan amounting to Rs 16.36 million to its promoter Vikram Akula in 2007, where as it is charging usurious rate on money lent to the poor, down trodden and other unfortunate sections of the society.</p> <p>READ FULL ARTICLE IN TODAY’S ECONOMIC TIMES.</p> <p>SEARCH THIS BLOG FOR OTHER ARTICLES ON SKS MICRO IPO. </p> http://suchetadalal.com/forum/topic.php?id=83#post-157 Tue, 27 Jul 2010 13:42:46 +0000 k a prasanna 157@http://suchetadalal.com/forum/ <p>IPO – SKS MICRO FINANCE LIMITED- UNREALISTIC PREMIUM - DIFFICULT TO SEE LISTING GAINS – AVOID.</p> <p>The company has fixed the price band at Rs 850-985 for the IPO, which is slated to open on 28-07-10. The company is proposing to issue1, 67,91,579 Equity Shares of Rs. 10 FV, including the offer for sale of 93,46,256 shares.</p> <p>The company earned a net profit of Rs 173.95cr for FY10. On the post issue capital of Rs 71.97cr, the EPS comes to around Rs20/- At the upper price band, the company is demanding a valuation of almost 50 times its FY 10 earnings. For an NBFC, which has limited period of history and no dividend track record, the valuation is very very much stressed.</p> <p>APART FROM IRRATIONAL PRICING, CONSIDER THE FOLLOWING BEFORE TAKING THE INVESTMENT DECISION:</p> <p>1. Unethical business: The Company is charging interest around 40% p.a. on money lent to the poor and down trodden. </p> <p>2. Unsustainable business model: The business model will not sustain in the long -run.</p> <p>3. No commitment from the promoters: SKS’s founder and chairman sold his shares to Tree Line Asia Master Fund (Singapore) Pte for $12.9 million in Feb. this year. </p> <p>4. Look at the salary of top executives: </p> <p>Suresh Gurumani - Managing Director of the Company. The total monthly salary is Rs. 12, 50,000. In addition to the above, Mr. Suresh Gurumani was paid onetime bonus of Rs. 10,000,000, in April 2009.</p> <p>Dr. Vikram Akula - chairman Rs 70.00 lacs p.a. In addition, ESOP amounting to Rs10.97lacs, totaling Rs 1.79cr p.a.<br /> The irony is they are trying to eradicate poverty.</p> <p>5. Mohd. Yunus says - “I get very worried when investment funds come to microfinance,” said the founder of Bangladesh’s Grameen Bank, which pioneered the industry by giving small loans to rural women to start their own businesses. “I don’t want to excite businessmen that there is profit to be made here,”</p> <p>6. The IPO will make the promoters, and other venture capitalists including some P/E funds that have stakes in these companies’ millionaires. The hapless borrowers continue to live in abject poverty.</p> <p>7. Government /RBI will not be mute spectators to the exploitation.<br /> They are bound to regulate the segment. This will make the business un- attractive.</p> <p>8. Financial inclusion initiatives taken by the public sector banks/government will marginalize the micro finance business. Do not buy the theories put forth by the BRLMs to sell the issue.</p> <p>9. The average cost of acquisition of shares by promoters is less than Rs50/- </p> <p>10. The Andhra Pradesh government has constituted district level ‘Task Force Committees’ (TFCs) to investigate the unethical practices of micro finance institutions in the state. The committees were constituted after the government received many complaints against the loan shark practices adopted by some leading MFI’s of the state. </p> <p>RECOMMENDATIONS: CLEAR NO.</p> <p>READ FULL ARTICLE IN - FIRST CHOICEIPOANALYSIS.COM </p> http://suchetadalal.com/forum/topic.php?id=76#post-156 Sun, 25 Jul 2010 06:46:28 +0000 ikayes 156@http://suchetadalal.com/forum/ <p>very important article. 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Disbursals continue to be strong – the management maintains its guidance of 40% disbursement growth during FY11...</p> <p>To read full research report you can bookmark this URL:</p> <p><a href="http://www.dsij.in/productattachment/BrokerRecommendation/LICHF.pdf" rel="nofollow">http://www.dsij.in/productattachment/BrokerRecommendation/LICHF.pdf</a></p> <p>Source: Dalal Street Investment Journal<br /> <a href="http://www.dsij.in" rel="nofollow">www.dsij.in</a> </p> http://suchetadalal.com/forum/topic.php?id=81#post-152 Tue, 13 Jul 2010 09:21:54 +0000 manish 152@http://suchetadalal.com/forum/ <p>Titan Industries looks good to invest in with the target price of Rs. 3000. 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