VISHAL GOYAL

10 Pointer Info - Equities Only.
Unfiltered View - Short & Crisp .

Educational Purpose Only, No Buy Sell Recommendation.

[VISHAL GOYAL @10PointerEquity]

ESAF SFB: Q1FY27: Turnaround Strengthens

Revenue+23%YoY
Gross advances +27%YoY
NIM 7.9%
PPOP+179%YoY
GNPA/NNPA 5.4%/0.8%
Slippages ₹75cr vs ₹468crYoY

Guidance:22–25%,NIM >7.5%,credit cost ~2% FY27,ROA 2% FY27

+ve: NIM,slippage drop

Monitor: credit cost,NIM

#ESAFSFB #Q1FY27

[VISHAL GOYAL @10PointerEquity]

Guidance: FY27 EBITDA ₹75cr,PAT ₹40cr,lending disbursal ₹1,000cr/qtr,merchant breakeven FY28

+ve: PAT delivery,GMV growth,lending margins

Monitor: lending run-rate,merchant burn,UPI monetization,NBFC transition

#MOBIKWIK #Q1FY27

[VISHAL GOYAL @10PointerEquity]

MOBIKWIK: Q1FY27: Profitability Building

PAT ₹7.6cr,3rd straight profitable qtr
EBITDA ₹15.8cr
Payments GMV ₹587bn,+50% YoY
UPI GMV ₹269bn
Merchant GMV ₹125bn,+17% QoQ
Payments GP ₹77.7cr,+31% YoY
Financial services GP ₹43.3cr,5.6x YoY
Contribution profit +66% YoY

[VISHAL GOYAL @10PointerEquity]

SANGHVI MOVERS: Q1FY27: Steady

Revenue +39% YoY
EBITDA +30% YoY
EMargin 35%
PAT+30% YoY
Order book ₹1,250cr

Guidance: FY27 revenue ₹1,400–1,500cr,EBITDA ₹525–575cr,ROCE 16.25–16.5%

+ve: order book,GCC traction,renewables scale

Monitor: ECL,DSO,H2 capex

#SANGHVIMOV #Q1FY27

[VISHAL GOYAL @10PointerEquity]

YASHO Industries:Q1FY27:Upgrade

Revenue ₹308 cr
Volume +42%YoY
EMargin@ 24.2%
PAT margin@ 11.7%
Exports @ 69%
Utilisation >65%

Guidance:FY28 revenue >₹1,600 cr,30–40% CAGR, stable margins

+ve:Margin backed by mix+contracts

Monitor: utilisation,Pakhajan capex

#YASHO #Q1FY27

[VISHAL GOYAL @10PointerEquity]

SPORTKING: Q1FY27: Beat

Revenue +18%YoY
OPM 18.8%
PAT +116%YoY
Exports strong, solar live

Guidance: FY27 revenue ~₹3,000 cr, FY28 >₹4,000 cr, Odisha 90% util by Mar

+ve: margins far above steady-state

Monitor: spreads, cotton duty, Odisha ramp

#SPORTKING #Q1FY27

[VISHAL GOYAL @10PointerEquity]

CLEANMAX ENVIRO: Q1FY27: Capacity On Track

Revenue +107%YoY
EBITDA +68%YoY
PAT ₹55 cr
Q1 add 500 MW
Contracted portfolio 6 GW

Guidance: FY27 add ≥1.5 GW, FY28 EBITDA ≥₹3k cr

+ve: 33% of FY27 capacity target in Q1

Monitor: Bikaner curtailment,PPA tariffs

#CLEANMAX #Q1FY27

[Aditya Mittal @AdityaMittal795]

75 stocks which had very bullish concalls (Q1 FY-27) and can double their revenue in next 2-3 years:

🔹1. SG Mart (#SGMART): 118% EBITDA growth (₹300 cr EBITDA) guidance in FY-27

🔹2. Senores Pharmaceuticals (#SENORES): 50-60% PAT growth & 30-40% revenue growth guidance in FY-27

🔹3. Sakar Healthcare (#SAKAR): 50%+ PAT growth & ~25% revenue CAGR guidance (oncology parenteral ramp)

🔹4. SG Finserve (#SGFIN): 43% PAT growth (₹225 cr PAT) guidance in FY-27

🔹5. Shadowfax (#SHADOWFAX): 38-40% revenue growth guidance in FY-27 (upgraded from 28-30%)

🔹6. Neogen Chemicals (#NEOGEN): ~40% revenue growth guidance in FY-27 (battery chemicals ramp)

🔹7. HFCL (#HFCL): 40% revenue growth guidance in FY-27 (upgraded from 20%)

🔹8. Sahasra Electronics (#SAHASRA): 100% revenue growth (₹275-300 cr revenue) guidance in FY-27

🔹9. Sangam India (#SANGAMIND): 100% PAT growth guidance in FY-27

🔹10. Jana SFB (#JSFB): 80%+ PAT growth, 19-21% loan (GLP) & 23-25% deposit growth guidance in FY-27

🔹11. Motilal Oswal (#MOTILALOFS): 20%+ housing finance AUM growth guidance for next 2-3 years

🔹12. Borosil Renewables (#BORORENEW): 60% revenue & EBITDA growth guidance in FY-27 (600 TPD expansion by Q4)

🔹13. Madhya Bharat Agro (#MBAPL): >50% revenue growth guidance in FY-27 (Dhule SSP ramp-up)

🔹14. Atlanta Electricals (#ATLANTAELE): 40% CAGR revenue growth guidance for next 3 years

🔹15. Netweb Technologies (#NETWEB): 35-40% revenue growth guidance (13-14% EBITDA margin, 10%+ PAT margin)

🔹16. Syrma SGS (#SYRMA): 30-35%+ revenue growth (~₹700 cr EBITDA) guidance in FY-27

🔹17. Jubilant Ingrevia (#JUBLINGREA): 32-40% EBITDA growth (₹750-800 cr) guidance in FY-27

🔹18. Krishana Phoschem (#KRISHANA): 30-35% revenue growth guidance in FY-27

🔹19. Anand Rathi Share & Stock Brokers (#ARSSBL): 30-35% PAT growth guidance in FY-27

🔹20. Capri Global Capital (#CGCL): 30%+ AUM CAGR guidance in FY-28

🔹21. Sobha (#SOBHA): 30%+ pre-sales growth guidance in FY-27

🔹22. Suryoday SFB (#SURYODAY): 30% deposit growth + doubling CLOU customer base guidance in FY-27

🔹23. Himadri Speciality (#HSCL): PAT doubling from ₹555 cr (FY25) to >₹1,100 cr by FY-28 (~26% CAGR)

🔹24. Tatva Chintan (#TATVA): 25-30% revenue growth guidance in FY-27

🔹25. Smartworks Coworking (#SMARTWORKS): 28-30% revenue growth guidance in FY-27

🔹26. Greenply Industries (#GREENPLY): 25-30% MDF volume growth guidance in FY-27

🔹27. CCL Products (#CCL): 25-30% domestic branded B2C volume growth guidance in FY-27

🔹28. Dynamic Cables (#DYCL): 25-30% solar/renewable cable revenue growth for next 3-4 years

🔹29. Aye Finance (#AYE): 25-30% AUM growth guidance in FY-27

🔹30. Gravita India (#GRAVITA): 25-30% PAT CAGR guidance for next 4-5 years

🔹31. GRSE (#GRSE): 25-30% revenue growth guidance (per Q2 FY-26 call; qualitative confidence reiterated in Q1)

🔹32. Avalon Technologies (#AVALON): 24-27% revenue growth guidance in FY-27 (double revenue to ~₹3,200 cr by FY-29)

🔹33. Tinna Rubber (#TINNARUBR): 23-28% revenue growth guidance in FY-27

🔹34. Menon Bearings (#MENONBE): 23-25% revenue growth (>₹360 cr revenue) guidance in FY-27

🔹35. Ramkrishna Forgings (#RKFORGE): 22-25% CAGR revenue growth for next 3 years

🔹36. Acutaas Chemicals (#ACUTAAS): 25% revenue growth guidance in FY-27

🔹37. Transformers & Rectifiers (#TARIL): 25% revenue growth guidance in FY-27 (16% EBITDA, 9-10% PAT margin)

🔹38. M & B Engineering (#MBEL): ~25% revenue growth guidance in FY-27

🔹39. Prostarm Info Systems (#PROSTARM): 25%+ revenue growth guidance in FY-27

🔹40. Heritage Foods (#HERITGFOOD): ~25% VAP growth guidance (annual)

🔹41. APAR Industries (#APARINDS): 25% cable value + 10% conductor volume growth guidance in FY-27

🔹42. Ujjivan SFB (#UJJIVANSFB): ~25% advances & deposit growth guidance in FY-27 (RoA 1.8-2.0%)

🔹43. CreditAccess Grameen (#CREDITACC): 20-25% AUM growth guidance in FY-27 (RoA 4-4.8%)

🔹44. Anand Rathi Wealth (#ANANDRATHI): 20-25% revenue & PAT growth guidance in FY-27 (₹1,415 cr rev, ₹460 cr PAT)

🔹45. RBL Bank (#RBLBANK): 23-24% retail deposit growth guidance over next few quarters

🔹46. Fedbank Financial / Fedfina (#FEDFINA): 20-22% growth guidance in FY-27

🔹47. Shyam Metalics (#SHYAMMETL): 20%+ revenue & EBITDA growth guidance in FY-27

🔹48. Steel Strips Wheels (#SSWL): 20%+ revenue growth guidance in FY-27

🔹49. Bandhan Bank (#BANDHANBNK): 20%+ non-EEB loan book growth guidance in FY-27

🔹50. L&T Finance (#LTF): 20%+ CAGR book growth guidance by FY-31

Follow @AdityaMittal795 for more such educational posts.

[VISHAL GOYAL @10PointerEquity]

UTKARSH SFB : Recovery

GLP +2%YoY
Disb+48.5%YoY
Non-MB disb +71.7%YoY
GNPA/NNPA improved @ 5.9%/2.8%
Credit cost⬇️2.3%
NIM⬆️6.1%
PPoP ₹64cr, PAT⬇️ ₹34cr

Guidance: FY28 25–30%,NIM ~8%,ROE ~15%

+ve: asset quality,Credit cost

Monitor: GNPA/PCR,NIM recovery

#UTKARSHBNK #Q1FY27

[VISHAL GOYAL @10PointerEquity]

AEROFLEX: Q1FY27: Consistent

Revenue +72% YoY
EBITDA +116% YoY
EMargin 23.0%
PAT+162% YoY
PMargin ~13%

Guidance: Skid capacity 15k by Q3,60–65% Q4 exit util,hose capacity,25% EBITDA margin

+ve: skids,AI/data-center demand

Monitor: skid approvals,Q3 capacity

#AEROFLEX #Q1FY27

[Rita Kapoor @ImRitaKapoor]

1st few sec this alleged child said "samvidhan ki ma ki ch**t". Did any of u say this ever ? @MahuaMoitra @priyankagandhi @anarkaliofara @SauravDassss @khanumarfa If u support these abuses then don't complain when someone abuses you or your parents next time

[VISHAL GOYAL @10PointerEquity]

EV 2w sales July 2026:

TVS is the clear leader,biggest share gainer🟢
Bajaj #2 with very stable share. 🟢
Hero/Vida scaling well 🟢
Ather grew in absolute terms but lost share, remains #3 🟡, EL launch key - 29Aug
Ola is the only top-5 player with YoY & MoM volume decline 🔴

[VISHAL GOYAL @10PointerEquity]

Guidance: FY27 revenue growth raised to 38–40% vs 27–30%,margin trajectory unchanged,Prime Large 12k pin codes,100 dark stores

+ve:Market share gains,quick commerce,AI-led cost control

Monitor:Q2 peak volumes,margin reinvestment,dark-store,lost shipment cost

#SHADOWFAX #Q1FY27

[VISHAL GOYAL @10PointerEquity]

SHADOWFAX: Q1FY27: Blockbuster

Revenue ₹1,358cr,+65% YoY
Orders ~25cr,+83% YoY
Adj EBITDA ₹67cr
Adj EBITDA margin 4.9%
PAT ₹65cr,record high
Pin codes 16,372,+716 QoQ
Hyperlocal +53% YoY,+17% QoQ
Prime +2.7x YoY
Prime Large ARR ₹75cr,+170% YoY
47 dark stores live

[VISHAL GOYAL @10PointerEquity]

Guidance: FY27 AUM growth 40%+,credit cost -15%,RoAAUM 4.5–5%,RoE 19–21%

+ve: AUM growth,credit cost drop,AI underwriting,LAP scale

Monitor: GNPA,Stage 2,CoF decline,LAP breakeven

#KISSHT #Q1FY27

[VISHAL GOYAL @10PointerEquity]

ONEMI TECH/KISSHT: Q1FY27: Beat

AUM ₹8,001cr,+61% YoY,+13% QoQ
Disbursement ₹3,812cr,+37% YoY
Total income ₹677cr,+45% YoY
PPOP ₹256cr,+42% YoY
PAT ₹95cr,+59% YoY
RoAAUM 5.05%
RoE 21.2%
Credit cost 6.80% vs 8.85% YoY
GNPA/NNPA 2.25%/0.36%
LAP AUM ₹617cr

[VISHAL GOYAL @10PointerEquity]

INDOSTAR CAPITAL: Q1FY27: Recovery Building

AUM +6%YoY
Disbursement +44%YoY
VF disbursement+43%YoY
Micro LAP disb +85%YoY
NII +39%YoY
NIM 8.8%
GNPA/NNPA 4.84%/2.48%

Guidance:35% disb CAGR,PAT ₹450–500cr,Micro LAP AUM 2x

+ve:Disb growth,NIMs

Monitor:AUM,credit cost

#INDOSTAR

[VISHAL GOYAL @10PointerEquity]

STEELCAST: Q1FY27: Steady Compounder

Revenue +17% YoY
EBITDA +17% YoY
EBITDA margin 28.2%
PAT+19% YoY
PAT margin 19%

Guidance: FY27 growth 25%,30% volume growth,20% CAGR

+ve:Margins,export mix,price pass-through

Monitor:Growth,GET ramp,foundry execution

#STEELCAS #Q1FY27

[VISHAL GOYAL @10PointerEquity]

MTAR TECH: Q1FY27: Strong Beat

Revenue +136% YoY
EBITDA +200% YoY
EBITDA margin 23.5%
PAT+365% YoY
PAT margin 13.9%

Guidance:FY27 80% rev growth,EBITDA Margin 24%±100bps,capex ₹500cr

+ve: order book,clean energy

Monitor: execution pace,capex,fuel-cell ramp

#MTARTECH #Q1FY27

[VISHAL GOYAL @10PointerEquity]

Guidance: 9 stores in FY27, 4 more Chennai stores by Sep’26, 100 stores in TN by 2030

+ve: topline growth,SSSG,non-gold mix,Chennai expansion

Monitor: clean gross margin,opex,store productivity,working capital

#THANGAMAYIL #Q1FY27

[VISHAL GOYAL @10PointerEquity]

THANGAMAYIL JEWELLERY: Q1FY27: Growth Strong, Margin Watch

Revenue +71% YoY
Retail sales +67% YoY
PAT +77% YoY
EPS +86% YoY
SSSG +44.4% YoY
Non-gold sales +88% YoY
Non-gold mix 9.69%
Gross margin 9.81%
Inventory profit ₹31cr 🟠
Liquidity ₹389cr
2 Chennai stores opened