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Tushar Pandey @UCqGiDpo3-V6eJagt7Fgk9Ag@youtube.com

1.1K subscribers - no pronouns :c

I just started uploading videos. I plan to give you the best


Welcoem to posts!!

in the future - u will be able to do some more stuff here,,,!! like pat catgirl- i mean um yeah... for now u can only see others's posts :c

Tushar Pandey
Posted 1 day ago

Dhabriya Polywood: Order update
The co just received orders worth 7.6 cr from:

M3M Group
Mahindra Group
Puravankara Group

Supply & installation of upvc windows & doors

Q1FY25 sales: 58cr

The company guides for 25% revenue growth for the next 3-4 years

I’ve already discussed the company here:
https://youtu.be/pmATvGOSXaM?si=nQcHx...

3 - 0

Tushar Pandey
Posted 2 days ago

Car Trade: Good Results

From being ignored to delivering consistent numbers

A good business in the making. It would be very exciting to see if it can scale from this point.

That would be a real test of the business model.

Read the business.

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Tushar Pandey
Posted 2 days ago

Skipper: Excellent numbers with increasing margins 👏👏

The management always gives a super conservative guidance

They’ve been guiding for 25%

And largely delivering twice the guided figure

This time they grew 43%

Lots of tailwinds in T&D

Skipper can grow at least 30% for the next 2-3 years imo

This is the magnitude of tailwinds in the sector

Excellent

Video will be out on Wednesday after I listen in to the earnings call

4 - 0

Tushar Pandey
Posted 3 days ago

So I’ve the final poll outcomes from X & YT.

This will be my schedule for analysis:

Monday: IDFC First Bank
Tuesday: Bikaji & Mrs Bectors Food
Wednesday: Skipper

I included IDFC because I’ve been receiving constant DMs and comments for my view on the results.

So will be covering it tomorrow. Just saying that if you’re under huge losses from buying at ATH, please don’t sell in panic on Monday.

Lots of negativity around the results on X. If you’re in for long term, stay put. Utna bhi kuch nahi hua hai.

Skipper to be done on Wednesday as it’ll give me time to go through earnings call and give you all important information minus all BS.

Thank you for participating in the poll ❤️

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Tushar Pandey
Posted 4 days ago

Poonawalla Fincorp. My final thoughts after listening to the earnings call 👇

1. Management should’ve indicated about this big ass provisioning. Just disappointing.

2. Arvind Kapil confirmed that the 666 cr provisioning was a one time hit.

Makes sense because they significantly improved their PCR 52% to 84%

His HDFC DNA reflects this decision

3. Co. would be investing 50cr for the next 6 quarters for their growth

This means operating leverage would largely be absent

4. AUM growth not to be impacted. Liquidity still not an issue.

5. Sounded bullish on LAP, gold loans and new product launches

But then again, its hard to take the management on their words now

6. Most importantly, if you’re incurring heavy losses, don’t sell in panic on Monday.

But then DO NOT expect any relief over the short-term. Don’t fool yourself thinking the stock would bounce back anytime soon.

The stock might just have begun to be a long-term pain in your ass.

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Tushar Pandey
Posted 4 days ago

I’ve received DMs on X & comments here on YT to analyse some companies.

Some frequently asked companies 👇

Which company should I analyse next:

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Tushar Pandey
Posted 1 week ago

So I just asked some direct questions from HFCL’s management on their poor revenue growth for Q2

They blamed everything on Optic Fibre Cable market

OFC market is actually facing a slowdown, many companies confirm this

But the management itself indicated about this slowdown in Q1 before they said they expect 25% growth YoY

Something just doesn’t add up

Their product revenue expectations still 2000 cr from FY25

Hopefully no change in that

But they are now refraining from giving any guidance

They just said that they will do well, a very subjective statement at this point

I will share what happened in the call in a video soon

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Tushar Pandey
Posted 1 week ago

HFCL

Slowdown in OFC demand is an industry wide problem

Many companies have reported it

The second one is not

Will update if management changes guidance

H2 has to be much much better now

4 - 0

Tushar Pandey
Posted 1 week ago

Disgusting set of results by HFCL

Hardly any growth

Q2 FY25 revenue: 1024 cr
Q2 FY24 revenue 1019 cr

How come Tejas Networks growing its revenues significantly

What is wrong with HFCL?

All that talk from the management means nothing when they can’t deliver

There has to be a strong reason behind such a poor set of numbers for HFCL

Just disappointing

Not sure how the management can achieve 25% YoY growth now in H2 after disappointing H1

I’ll be sharing my thoughts once I listen in to the management.

7 - 0

Tushar Pandey
Posted 1 week ago

Ashok Vaswani also talked about stress in the Micro Finance segment

He is MD & CEO of Kotak Bank

Over leveraging was a major reason

Management after management indicating stress in MFI

People still hell bent on PB ratio for micro finance lenders, which obviously would look attractive in times of mayhem

Plus RBI is taking regulations on another level by asking lenders like Arohan & Navi Finserv to pause lending

People seem to be ignoring all these aspects

This is a risky investing approach imo

It would now be interesting to see which management first indicates that MFI stress is abating

This can take time though

But one should avoid making positions just based on current PB ratio

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