Trust Fintech Ltd

TRUST

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Market Cap

₹ 118 Cr

P/E

14.73

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Investment Checklist

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Performance

UNDER PERFORMER

Valuation

REASONABLE

Growth

STABLE

Profitability

MODERATE MARGIN

Technicals

Bearish

Risk

MODERATE RISK

Investment Checklist

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Price

PE Ratio

Price

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Overview

Detailed Summary

Trust Fintech Limited specializes in SaaS products tailored for the BFSI sector, delivering Core Banking Software and IT solutions.

Recently rebranded from Trust Systems and Software to Trust Fintech Ltd, signaling a strategic shift towards fintech.

Their flagship product, TrustBankCBS, is a robust web-based and SaaS banking solution facilitating comprehensive banking operations.

The product suite serves diverse markets, including medium to large banks and co-operative societies across multiple countries.

An upcoming public issue indicates plans for capital expansion, potentially driving product development or market entry.

Sector

IT - Software

Industry

Computers - Software - Medium / Small

Market Cap

118 Cr

Volatility

Low Risk

P/E Ratio

14.7

Industry P/E

38.4

PEG Ratio

0.2

P/B Ratio

1.2

52W High

185.00

52W Low

42.70

Sales CAGR

-10.79%

21.03%

—

10Y

—

Profit CAGR

-35.92%

88.83%

—

10Y

—

ROE

TTM

6.82%

13.97%

13.72%

10Y

—

ROCE

TTM

9.76%

18.77%

18.34%

10Y

—

Technicals

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Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
AAATECH	97.30	125 Cr	35.38	4.04	1.54	11.41	15.28	10.26
DELAPLEX	135.00	123 Cr	10.07	1.67	0.00	15.80	20.15	14.11
OMEGAIN	467.00	121 Cr	25.69	3.69	0.00	14.36	16.17	12.09
CGVAK	235.10	119 Cr	10.42	1.51	0.43	14.48	19.66	12.97
TRUST	49.50	118 Cr	14.73	1.16	1.01	6.82	9.76	6.29
ATHENAGLO	84.00	117 Cr	—	0.81	0.00	-14.77	-3.90	-6.71
HYPERSOFT	70.57	115 Cr	56.46	7.18	0.00	12.53	18.44	8.58

Financial Statements

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Consolidated Half Yearly Results (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Sep 2024	Mar 2025	Sep 2025
Sales	17	15	21
Expenses	12	10	16
Interest	0.02	0.08	0.03
Operating Profit	4.66	4.08	5.61
OPM %	27.92	28.00	26.52
Other Income	2.29	2.08	1.87
Depreciation	0.76	1.20	1.37
Profit Before Tax	6.18	4.89	6.09
Tax %	22.98	35.58	24.79
Net Profit	4.75	3.15	4.58
EPS in Rs	—	—	—

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2024	Mar 2025
Sales	35	31
Expenses	17	22
Operating Profit	18	8.84
OPM %	50.54	28.29
Other Income	0.23	4.38
Interest	0.02	0.10
Depreciation	1.23	1.96
Profit Before Tax	17	11
Tax %	25.10	28.28
Net Profit	13	8.01
EPS in Rs	—	—
Dividend Payout %	0.00	0.00

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2024	Mar 2025
Equity Capital	18	24
Reserves	28	86
Borrowings	0.17	0.00
Other Liabilities	7.16	8.00
Total Liabilities	52	118
Fixed Assets	13	17
CWIP	8.34	16
Investments	7.94	54
Other Assets	23	31
Total Assets	52	118

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2024	Mar 2025
Cash from Operating Activity	13	-37
Cash from Investing Activity	-17	-14
Cash from Financing Activity	5.62	53
Net Cash Flow	1.21	2.41

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Jan 2024	Mar 2024	Apr 2024	Sep 2024	Mar 2025	Sep 2025
Promoters	93.51%	93.51%	68.85%	68.85%	68.85%	68.91%
FIIs	0.00%	0.00%	6.39%	0.53%	0.09%	0.08%
DIIs	6.49%	0.00%	5.04%	1.81%	1.14%	0.43%
Public	0.00%	6.49%	19.72%	28.80%	29.92%	30.58%
Total Shareholders	23	30	2,392	2,304	2,667	2,613

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Aug 13, 2024	Vinod kumar	Bulk	Buy	200.24	2.50 Cr	1,24,800	0.52
May 29, 2024	Ankush kedia	Bulk	Buy	217.65	1.28 Cr	58,800	0.24
May 29, 2024	Ankush kedia	Bulk	Sell	218.91	12.01 Cr	5,48,400	2.30
May 10, 2024	Ashwin stocks and investment ...	Bulk	Sell	282.98	3.57 Cr	1,26,000	0.52
Apr 23, 2024	Ashwin stocks and investment ...	Bulk	Buy	251.70	1.84 Cr	73,200	0.30
Apr 23, 2024	Ashwin stocks and investment ...	Bulk	Sell	226.97	4.06 Cr	1,78,800	0.75
Apr 22, 2024	Multiplier share & stock advi...	Bulk	Sell	244.27	3.17 Cr	1,29,600	0.54
Apr 22, 2024	Ashwin stocks and investment ...	Bulk	Buy	243.52	2.98 Cr	1,22,400	0.51
Apr 22, 2024	Ashwin stocks and investment ...	Bulk	Sell	252.24	1.85 Cr	73,200	0.30
Apr 22, 2024	Ankush kedia	Bulk	Buy	254.82	6.21 Cr	2,43,600	1.02

Projection

Actions

Action Type

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Announcements

Last 7 days

Newest

Sentiment

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Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q2 FY25

Investor Presentation

Q2 FY25

Investor Presentation

Q1 FY25

Investor Presentation

Q1 FY25

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Oscillators

BearishNeutralBullish

Neutral

Bearish

IT - Software

Industry

Computers - Software - Medium / Small

Market Cap

118 Cr

Volatility

Low Risk

P/E Ratio

14.7

Industry P/E

38.4

PEG Ratio

0.2

P/B Ratio

1.2

52W High

185.00

52W Low

42.70

Sales CAGR

-10.79%

21.03%

—

10Y

—

Profit CAGR

-35.92%

88.83%

—

10Y

—

ROE

TTM

6.82%

13.97%

13.72%

10Y

—

ROCE

TTM

9.76%

18.77%

18.34%

10Y

—

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
AAATECH	97.30	125 Cr	35.38	4.04	1.54	11.41	15.28	10.26
DELAPLEX	135.00	123 Cr	10.07	1.67	0.00	15.80	20.15	14.11
OMEGAIN	467.00	121 Cr	25.69	3.69	0.00	14.36	16.17	12.09
CGVAK	235.10	119 Cr	10.42	1.51	0.43	14.48	19.66	12.97
TRUST	49.50	118 Cr	14.73	1.16	1.01	6.82	9.76	6.29
ATHENAGLO	84.00	117 Cr	—	0.81	0.00	-14.77	-3.90	-6.71
HYPERSOFT	70.57	115 Cr	56.46	7.18	0.00	12.53	18.44	8.58