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@thevicky_roy Avatar @thevicky_roy Vicky Roy

Vicky Roy posts on X about insurance, minds, finance, clients the most. They currently have XXX followers and XXX posts still getting attention that total XXXXX engagements in the last XX hours.

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Social category influence finance countries stocks technology brands cryptocurrencies

Social topic influence insurance #1066, minds #885, finance #2529, clients #591, lakh #748, momentum #1648, money, acquisition #1315, india, 6969 #989

Top accounts mentioned or mentioned by @shome_rajarshi @thedankoe @kortexco @timdenning @fitfounder @shomerajarshi @thevickyroy @homosapien @homo__sapien_

Top assets mentioned PepsiCo, Inc. (PEP) HSBC Holdings PLC (HSBC) Bitcoin (BTC) BlackRock Inc (BLK) ServiceNow Inc (NOW)

Top Social Posts #

Top posts by engagements in the last XX hours

"2/10 THE BUSINESS MODEL Think of them as the toll booth between Indians and insurance. Every time someone buys health term or motor insurance through Policybazaar they earn a commission from insurers. The economic engine is simple: more premiums sold equals more commission revenue. With XX% market share in online insurance they process 30420cr in annual premiums. Paisabazaar does the same for credit cards and personal loans"
X Link @thevicky_roy 2025-10-30T07:30Z XXX followers, XX engagements

"5/10 MANAGEMENT RESPONSE Management is doubling down on protection products where margins are stronger New protection premium for health and term insurance grew XX% year over year. Core new insurance premium has maintained 35-45% growth for ten consecutive quarters excluding the savings category. PB Partners their agent aggregator platform expanded to 19000 pin codes with over 380000 advisors covering XX% of India. Customer satisfaction scores held at XXXX% showing service quality remains intact despite rapid scaling"
X Link @thevicky_roy 2025-10-30T07:30Z XXX followers, XX engagements

"Post 1/7: Topline Outperformance & Context Canara HSBC Life Insurance (CANHLIFE) delivered a strong H1 FY26 marking a significant milestone following its listing on the Indian stock exchanges. The company achieved a healthy financial performance with topline growth consistently surpassing industry averages. Key Metric: Individual Weighted Premium Income (WPI) grew XX% YoY outpacing both the overall private sector (+8%) and the overall industry (+2%)"
X Link @thevicky_roy 2025-10-28T12:12Z XXX followers, XXX engagements

"1/11 Go Digit Insurance Earnings Call Q2FY26 "This additional XXX crore in new two-wheeler business has impacted our P&L to an extent of XX crore of loss. Because the growth is so strong and the proportion of two-wheeler is really strong this has impacted our quarterly combined ratio by 2%" - Management"
X Link @thevicky_roy 2025-10-28T18:54Z XXX followers, XXX engagements

"1/19 Tata Capital Q2FY26 Earnings Call Key Quote "We are confident of transforming this business into a X% plus ROA business by FY28 - Management""
X Link @thevicky_roy 2025-10-28T19:13Z XXX followers, XXX engagements

"17/19 Tata Capital Q2FY26 Earnings Call Expectation for growth momentum to strengthen in H2 FY26 driven by GST rationalization and improving consumption trends. Near-term growth is strong in two-wheelers passenger vehicles and small/medium commercial vehicles (post-GST cut)"
X Link @thevicky_roy 2025-10-28T19:14Z XXX followers, XX engagements

"18/19 Tata Capital Q2FY26 Earnings Call Sustained investments in public and private CAPEX are expected to provide impetus to credit demand. Q2 Cost-to-Income increased due to annual appraisal impact variable pay cycle and merger-related one-time costs"
X Link @thevicky_roy 2025-10-28T19:14Z XXX followers, XXX engagements

"1/22 Star Health and Allied Q2FY22 Earnings Call Key Quote "We are seeing almost XX% growth in fresh business in October indicating underlying demand and also improving the segment" - Anand Roy Managing Director and Chief Executive Officer"
X Link @thevicky_roy 2025-10-29T04:18Z XXX followers, XXX engagements

"1/28 Infobeans Q2FY26 Earnings Call Infobeans just delivered a monster quarter while most IT services struggle. Here's what micro-cap investors need to know about this 1470cr company"
X Link @thevicky_roy 2025-10-29T07:30Z XXX followers, 1561 engagements

"8/8 BOTTOM LINE CAMS = India's mutual fund infrastructure monopoly with platform diversification Strengths: Dominant XX% MF market share with pricing stability SIP infrastructure moat (63% market share) Non-MF growing XX% CAGR (5yr) - margin expansion runway Fixed-cost model: Revenue up Rs 200cr leads to Profit up Rs 100cr+ Rs 14/share interim dividend Risks: Yield compression (3.5-4% annual telescoping + episodic cuts like SBI) Two-player market (no pricing floor) XX% revenue concentration in MF New AMCs dilutive short-term Trading at 42x P/E for infrastructure-like stability + 20%+ growth"
X Link @thevicky_roy 2025-10-29T12:30Z XXX followers, XXX engagements

"1/12 VARUN BEVERAGES NSE: VBL XXX India's largest PepsiCo franchisee outside US Q3 CY25 Highlights: 7451cr profit (18.5% YoY) International volumes +9% Nimbooz hydration +50% Value-added dairy XXX% growth Cream Bell Debt-free balance sheet How this 1.68L cr beverage giant makes money 👇"
X Link @thevicky_roy 2025-10-29T18:15Z XXX followers, XXX engagements

"2/12 THE BUSINESS MODEL Think of them as PepsiCo's manufacturing & distribution arm for 30+ markets Step 1: Get concentrate from PepsiCo Step 2: Manufacture beverages at scale (273.8mn cases in Q3) Step 3: Distribute through vast cold-chain network Realization: 178.84/case massive volumes = 48966cr revenue"
X Link @thevicky_roy 2025-10-29T18:15Z XXX followers, XX engagements

"12/12 BOTTOM LINE VBL = India's beverage scale play with Africa diversification Debt-free with 1.68L cr market cap Dominant PepsiCo franchisee (30+ markets) Premium portfolio scaling (Nimbooz dairy) International growing double-digits Strategic diversification (beer snacks dairy) Trading at 56x P/E (premium to FMCG peers) Risk: Weather dependency execution complexity"
X Link @thevicky_roy 2025-10-29T18:15Z XXX followers, XXX engagements

"5/10 THE TURNAROUND STRATEGY Management tightened the screws in Q2. Rejection ratio jumped to XX% versus XX% in Q1 as they filter harder for quality. Focus is shifting from sub-3 lakh to 3-5 lakh and 5-10 lakh tickets. They added XXX officers including XXX for business and XXX for collections. Legal recovery team alone recovered 20cr in Q2"
X Link @thevicky_roy 2025-10-30T05:30Z XXX followers, XX engagements

"6/10 SCALE MATTERS IN LENDING Why scale matters LETS UNDERSTAND Lower cost of funds at scale plus better diversification equals higher profitability Cost of funds dropped XX basis points to 9.27%. Spreads held stable at 13.9%. They maintain 2360cr liquidity buffer. September alone saw over 500cr disbursed showing momentum"
X Link @thevicky_roy 2025-10-30T05:30Z XXX followers, XX engagements

"9/10 WHAT COULD GO WRONG Sub-3 lakh segment stress persists as 40-45% of customers have MFI overlap. Karnataka geography shows elevated NPAs though it is only 5-6% of portfolio. Credit cost guidance at 1.25-1.35% for 18-24 months versus XXXX% historically. Disbursement needs to ramp to 1600-1800cr per quarter in H2. Always know the risks"
X Link @thevicky_roy 2025-10-30T05:30Z XXX followers, XXX engagements

"10/10 BOTTOM LINE Five-Star is a secured lender recalibrating for tougher times with best-in-class ROA and ROE despite stress. Tighter underwriting is filtering bad loans. Legal recoveries prove the secured model works. They hold 2360cr liquidity cushion. Valuation at 14.7x P/E versus 20%+ historically. Risk: Credit costs elevated for 18-24 months"
X Link @thevicky_roy 2025-10-30T05:30Z XXX followers, XXX engagements

"its PB Fintech (Policybazaar & Paisabazaar) You have the analysis already mentioned in a post earlier (where we also get to know risks from BimaSugam) this ones an illustration on HOW DO THEY MAKE MONEY"
X Link @thevicky_roy 2025-10-30T09:30Z XXX followers, XXX engagements

"1/10 SAGILITY NSE: SAGILITY XX Q2 revenue surged XX% to 16585 crore despite US healthcare industry stress. Profit jumped XX% as Gen AI transformation deals unlock new growth. Operating margin held strong at XX% up from XX% guidance. How this healthcare BPO makes money by helping US insurers cut costs"
X Link @thevicky_roy 2025-10-30T10:30Z XXX followers, XXX engagements

"5/10 MANAGEMENT RESPONSE Three deal structures show the playbook. First transformation in place for mature clients: process reengineering plus Gen AI delivering XX% savings while expanding scope upstream. Second AI-powered engagement services for regional players: XX% to XX% savings with hybrid human-AI model. Third platform plus services bundles helping clients enter new revenue streams. Annual contract value won this quarter: $XX million. Added X new clients expanded with XX existing ones"
X Link @thevicky_roy 2025-10-30T10:30Z XXX followers, XX engagements

"9/10 WHAT COULD GO WRONG Marketplace Integrity Final Rule could reduce ACA membership and premium inflows though Sagility's exposure to ACA segment is very low. Proposed Higher Act with XX% excise tax on outsourcing payments hasn't passed House or Senate yet. Currency appreciation in Philippines and rupee depreciation cuts both ways. BroadPath's lower margins will dilute consolidated margins by XXX to XXX basis points. Client concentration in US healthcare creates regulatory and reimbursement policy risk. Always know the risks"
X Link @thevicky_roy 2025-10-30T10:30Z XXX followers, XXX engagements

"1/11 You are part of the XX crore people with a demat account. You are chasing the next quick win scanning news channels or lurking in WhatsApp groups where they tell you to buy or sell. Those tips don't work. Why Because they arent backed by conviction and they certainly don't develop your fundamental understanding of the business"
X Link @thevicky_roy 2025-10-28T05:59Z XXX followers, XXX engagements

"2/11 I know this because I was the seeker in the loop. I constantly chased the next shiny object thinking it would change my life. Ive done it all: trading in futures and options speculating on ICOs and Bitcoin XXX years of fundamental investing and developing an algo trading bot that traded for me for around XXX years. I even prepared to escape to Canada (IELTS)"
X Link @thevicky_roy 2025-10-28T05:59Z XXX followers, XX engagements

"6/11 I'm Vicky Roy and I call myself the system thinker in the markets. I don't have a finance degree from IIM but I'm only XX lakhs shy of what a 36-year-old should ideally have in their account. You should listen because I built my way up from the very same confusion you are in right now"
X Link @thevicky_roy 2025-10-28T05:59Z XXX followers, XX engagements

"7/11 If you are tired of tips and want the systems I invite you to join me. Im launching the 100-day challenge. Starting tomorrow every single day Ill be unpacking the businesses of XXX stocks across XX sectors applying just one system across the board"
X Link @thevicky_roy 2025-10-28T05:59Z XXX followers, XX engagements

"Post 7/7: Distribution & Digital Edge Distribution leverage and technology remain core strategic priorities: Bankassurance: Canara HSBC and RRBs provide access to over XXX Mn+ customers with current penetration less than X% highlighting significant headroom for growth. Agency Channel: Ramping up gradually in a phased manner using existing infrastructure (104 branches) prioritizing cost optimization over immediate scale to protect VNB margins. Digitalization: The company maintains a high level of digital adoption: XX% of new business is digitally onboarded and roughly XX% of customer service"
X Link @thevicky_roy 2025-10-28T12:13Z XXX followers, XXX engagements

"7/15 Mahindra & Mahindra Financial Services Q2FY26 Earnings Call Management reiterated the full-year credit cost guidance cap of "1.7%" noting that Q1 and Q2 are historically higher with better recovery expected in Q3 and Q4"
X Link @thevicky_roy 2025-10-28T19:04Z XXX followers, XX engagements

"8/15 Mahindra & Mahindra Financial Services Q2FY26 Earnings Call Provision Coverage Ratio (PCR) increased from "51.4%" in Q1 to "53%" in Q2 contributing to higher quarterly provisions. Write-off quantum is expected to be maintained between "1%" to "1.2%" of assets aligning with the "1.7%" credit cost target"
X Link @thevicky_roy 2025-10-28T19:04Z XXX followers, XX engagements

"10/15 Mahindra & Mahindra Financial Services Q2FY26 Earnings Call Passenger Vehicle (PV) volumes are expected to see a "12%" growth in H2 (vs. "4%" in H1) industry-wide benefiting the company despite a value deflator from GST cuts. Medium-term (1-3 years) aspiration is to achieve a disbursement CAGR of at least "15%""
X Link @thevicky_roy 2025-10-28T19:04Z XXX followers, XX engagements

"2/19 Tata Capital Q2FY26 Earnings Call Management exhibited strong confidence backed by specific and ambitious financial guidance (e.g. "2% plus ROA by FY28" "AUM growth of 23-25%") and highlighted strategic execution capabilities particularly in integrating the motor finance business and leveraging technology"
X Link @thevicky_roy 2025-10-28T19:13Z XXX followers, XX engagements

"4/19 Tata Capital Q2FY26 Earnings Call Exit Return on Assets (Q4 FY26) projected to be "2.4%" to "2.5%". Targeting robust AUM growth in the range of "18%" to "20%". Full year credit costs expected to be around "1.2%""
X Link @thevicky_roy 2025-10-28T19:13Z XXX followers, XX engagements

"5/19 Tata Capital Q2FY26 Earnings Call Consolidated Profit After Tax (PAT) growth targeted at around "35%". Return on Equity (ROE) expected to be in the range of "13%" to "14%". Exit Return on Assets (Q4 FY26) projected to be "2.3%" to "2.4%""
X Link @thevicky_roy 2025-10-28T19:13Z XXX followers, XX engagements

"6/19 Tata Capital Q2FY26 Earnings Call AUM expected to grow at a Compound Annual Growth Rate (CAGR) of "23%" to "25%". Cost-to-Income ratio targeted to reduce to "33%" to "34%". Credit costs expected to settle below "1.0%" (including motor finance)"
X Link @thevicky_roy 2025-10-28T19:13Z XXX followers, XX engagements

"7/19 Tata Capital Q2FY26 Earnings Call Return on Assets (ROA) targeted to be in the range of "2.5%" to "2.7%". AUM stood at "2.44 lakh crores" (merged basis) reflecting sequential growth of "2.7%""
X Link @thevicky_roy 2025-10-28T19:13Z XXX followers, XX engagements

"8/19 Tata Capital Q2FY26 Earnings Call AUM (excluding Motor Finance) reached "2.16 lakh crores" reflecting YoY growth of "22%". Quarterly Profit After Tax (PAT) was "1097 crores" (merged basis) sequential increase of "11%". Return on Assets (ROA) improved to "1.9%" (merged basis)"
X Link @thevicky_roy 2025-10-28T19:14Z XXX followers, XX engagements

"9/19 Tata Capital Q2FY26 Earnings Call Credit cost improved by "30 basis points" to "1.3%" (merged basis) from Q1 FY26. Cost of funds for the quarter stood at "7.4%" down "47 basis points" from Q4 last year. Capital Adequacy stood at "17.3%"; post-IPO it is strengthened to "21.5%""
X Link @thevicky_roy 2025-10-28T19:14Z XXX followers, XX engagements

"10/19 Tata Capital Q2FY26 Earnings Call Retail and SME segments contribute "88%" of the total book. Housing Finance AUM grew "30%" YoY targeting "1 lakh crore" AUM by mid-FY27"
X Link @thevicky_roy 2025-10-28T19:14Z XXX followers, XX engagements

"13/19 Tata Capital Q2FY26 Earnings Call Integration costs are projected to be around "100 crores" for the full year.(motor finance) Pivoting strategy towards a multi-OEM model; non-Tata OEM share in new CV disbursements increased from "0%" (Q4 last year) to "13%" (Q2 this year)"
X Link @thevicky_roy 2025-10-28T19:14Z XXX followers, XX engagements

"15/19 Tata Capital Q2FY26 Earnings Call Credit costs are peaking and expected to moderate; the decline stemmed from improvements in standard asset buckets. Net NPA remained stable at "0.6%" (excluding motor finance). Overall provision coverage ratio remains healthy at "52.8%" (merged basis)"
X Link @thevicky_roy 2025-10-28T19:14Z XXX followers, XX engagements

"16/19 Tata Capital Q2FY26 Earnings Call Total IND-AS provisions stand at "2.2 times" the IRAC provision. Slippages in personal loans business loans and microfinance segments are lower in Q2 than in Q1"
X Link @thevicky_roy 2025-10-28T19:14Z XXX followers, XX engagements

"19/19 Tata Capital Q2FY26 Earnings Call Expected full-year Cost-to-Income reduction from "42.1%" (last year) to "39%" (this year). Investment of over "2000 crores" over the last six years in tech and digital journeys. "97%" of customers are onboarded digitally; "98%" of customer queries are resolved digitally. link to the full call:"
X Link @thevicky_roy 2025-10-28T19:14Z XXX followers, XXX engagements

"8/22 Happiest Minds Q2FY26 Earnings Call This "land and expand" model is powerful. Start with a small consulting project ($150-200K) prove value then expand to multi-million dollar implementations. That's why they don't report TCV - initial deal size doesn't tell the full story"
X Link @thevicky_roy 2025-10-29T05:30Z XXX followers, XX engagements

"9/22 Happiest Minds Q2FY26 Earnings Call On pricing power: GenAI projects command 20-25% premium over standard rates. When you're solving critical business problems with cutting-edge tech customers pay more. This is margin-accretive growth not just revenue growth"
X Link @thevicky_roy 2025-10-29T05:30Z XXX followers, XX engagements

"10/22 Happiest Minds Q2FY26 Earnings Call Utilization hit XXXX% - highest in X years. Within that GenAI unit jumped from XXXX% to XX% utilization. This operational leverage is key. As these new units mature margins should expand further while maintaining 20-22% EBITDA guidance"
X Link @thevicky_roy 2025-10-29T05:30Z XXX followers, XX engagements

"16/22 Happiest Minds Q2FY26 Earnings Call Acquisitions (Auris & PureSoft) integrating well: Cross-selling capabilities both ways. Taking Happiest Minds' AI/security/data skills to acquisition customers. Taking acquisitions' BFSI domain expertise to Happiest Minds prospects. Platforms like Artha banking and Insurance in a Box being taken to new markets"
X Link @thevicky_roy 2025-10-29T05:30Z XXX followers, XX engagements

"17/22 Happiest Minds Q2FY26 Earnings Call Capital allocation remains shareholder-friendly: Interim dividend of 2.75/share declared (record date Nov X 2025). Strong cash flows ROE of XX% ROC of 23%. Balance sheet solid. Returning cash while investing in growth"
X Link @thevicky_roy 2025-10-29T05:30Z XXX followers, XX engagements

"18/22 Happiest Minds Q2FY26 Earnings Call Why the confidence to extend guidance by another year 1) Proven replicable GenAI solutions ($50M pipeline) 2) NN sales engine momentum ($50-60M pipeline from new logos) 3) Strong utilization creating operating leverage 4) Pricing power in AI/GenAI 5) Deal pipeline up 20-25% QoQ"
X Link @thevicky_roy 2025-10-29T05:30Z XXX followers, XX engagements

"19/22 Happiest Minds Q2FY26 Earnings Call The XX strategic transformations announced last year are delivering. Most important one: Joseph Anand Raju becoming Co-Chairman & CEO. Leadership transition executed smoothly and his impact is visible in results. Agility accountability AI-first mindset across org"
X Link @thevicky_roy 2025-10-29T05:30Z XXX followers, XX engagements

"20/22 Happiest Minds Q2FY26 Earnings Call Bottom line: In a tough demand environment Happiest Minds is taking share through: 1) Early bet on GenAI (now XX% growth driver) 2) Disciplined new customer acquisition (13 logos $50M+ pipeline) 3) Offshore leverage (80%+ utilization) 4) Replicable solutions (scale without linear costs)"
X Link @thevicky_roy 2025-10-29T05:30Z XXX followers, XX engagements

"2/28 Infobeans Q2FY26 Earnings Call Q2 FY26 Numbers: Revenue: 124cr (27% YoY growth) EBITDA: 36cr (57% YoY growth) PAT: 23cr (77% YoY growth) EBITDA Margin: XX% PAT Margin: XX% This includes 6cr one-time ERC benefit from US govt. Even without it growth is solid"
X Link @thevicky_roy 2025-10-29T07:30Z XXX followers, XXX engagements

"how can you generate even the slightest of alpha without following this alpha male no praises enough for @shome_rajarshi #justRevvingUp"
X Link @thevicky_roy 2025-10-29T07:30Z XXX followers, 1644 engagements

"20/28 Infobeans Q2FY26 Earnings Call Intech Merger Update: Merger application submitted to NCLT. Expected to conclude in 6-12 months depending on govt processing speed. Intech contributes XX% revenue with "pretty good profitability" - accretive addition"
X Link @thevicky_roy 2025-10-29T07:30Z XXX followers, XX engagements

"22/28 Infobeans Q2FY26 Earnings Call Sustainability Credentials: Received eco-certification with excellent rating. Recognized as "committed company towards environmental sustainability goals." European and US customers demanding this in every RFP. Competitive advantage secured"
X Link @thevicky_roy 2025-10-29T07:31Z XXX followers, XX engagements

"23/28 Infobeans Q2FY26 Earnings Call Capital Allocation: Did 10cr buyback last year Reduced dividend payout YoY Maintaining strong cash position ROE: XX% ROC: XX% Disciplined capital allocation while investing for growth"
X Link @thevicky_roy 2025-10-29T07:31Z XXX followers, XX engagements

"27/28 Infobeans Q2FY26 Earnings Call What Makes Infobeans Different: Micro-cap serving XX large enterprises XX% utilization with XX% EBITDA margins 292cr cash for M&A optionality AI-first positioning while peers catch up Strong Silicon Valley presence Platform expertise (Salesforce/ServiceNow)"
X Link @thevicky_roy 2025-10-29T07:31Z XXX followers, XXX engagements

"7/9 THE SHAREHOLDER ANGLE (ROE is king for financials) ROE: XX% Generating XX for every XXX of equity Dividend: 9.2/share for H1 (30% payout ratio) EPS: XXXXX At 369: P/E 6x P/B 1.2x Dividend yield X% (paisah) Trading well below intrinsic value by most measures"
X Link @thevicky_roy 2025-10-29T10:50Z XXX followers, XX engagements

"8/9 THE RISKS (Always know what can go wrong) State sector concentration: XX% of book Discom debt restructuring talks (could pressure spreads) Competition heating up in renewables Prepayment risk from borrowers' internal accruals Not deal-breakers but need monitoring"
X Link @thevicky_roy 2025-10-29T10:50Z XXX followers, XXX engagements

"11/12 THE OCTOBER SIGNAL Management: "Growing double digits in October where weather improved" This matters Weather was the villain not competition or demand destruction Outlook: Return to double-digit to mid-teens international growth India: Massive runway (low per capita consumption) Over-prepared on capacity"
X Link @thevicky_roy 2025-10-29T18:15Z XXX followers, XXX engagements

"Post 3/7: Value & Margin Expansion The company saw sustainable improvement across key value metrics: Value of New Business (VNB): 2143 Mn growing XX% YoY. VNB Margins: Improved XXX basis points YoY reaching XXXX% (up from 18.1%). Embedded Value (EV): Grew by XX% YoY to 65435 Mn. Operating Return on Embedded Value (RoEV) stood at XXXX% (on a rolling 12-month basis)"
X Link @thevicky_roy 2025-10-28T12:12Z XXX followers, XX engagements

"Post 4/7: Operational Efficiency & Quality Focus on superior customer experience and quality business drove efficiency gains: Persistency: 13th Month Persistency improved to XXXX% (vs XXXX% PY). 61st Month Persistency also improved to 58.4%. Total Expense Ratio: Improved significantly to XXXX% (a XXX% reduction from XXXX% PY) placing the company in the top quartile for cost efficiency. Claim Settlement %: Maintained a high rate of 98.3%"
X Link @thevicky_roy 2025-10-28T12:13Z XXX followers, XX engagements

"3/19 Tata Capital Q2FY26 Earnings Call Challenges were addressed with clear rectification plans and quantitative targets. Targeting robust AUM growth in the range of "22%" to "25%". Full year credit costs expected to be stable in the range of "1.0%" to "1.1%""
X Link @thevicky_roy 2025-10-28T19:13Z XXX followers, XX engagements

"11/19 Tata Capital Q2FY26 Earnings Call The proportion of high-yield products (e.g. affordable housing secured business loans) is increasing to drive NIM expansion. Affordable housing yields are approximately "300 basis points" higher than the average book. Retail unsecured book forms only "12%" of the total book"
X Link @thevicky_roy 2025-10-28T19:14Z XXX followers, XX engagements

"12/19 Tata Capital Q2FY26 Earnings Call The net loan book declined by "2996 crores" to "23698 crores" due to business transformation efforts. (motor finance) Loan book expected to stabilize by Q4 FY26 and start growing from Q1 FY27"
X Link @thevicky_roy 2025-10-28T19:14Z XXX followers, XX engagements

"14/19 Tata Capital Q2FY26 Earnings Call Targeting a break-even in Q4 FY26 and full profitability next year reaching "2.0%" plus ROA by FY28.(motor finance) Motor Finance cost of funds decreased by "60 basis points" post-merger due to Tata Capital's superior credit rating"
X Link @thevicky_roy 2025-10-28T19:14Z XXX followers, XX engagements

"6/10 WHY SCALE MATTERS IN HEALTHCARE BPO Over XX% of US employees are citizens or green card holders insulating them from H1B policy risk. Multi-geography delivery across India Philippines Jamaica and US provides currency hedging and follows-the-sun operations. Domain expertise across the full healthcare value chain from eligibility to claims to payment integrity creates switching costs. The proof: XX active clients with recurring revenue model. Q3 and Q4 traditionally generate XX% to XX% of annual revenue due to Medicare enrollment season"
X Link @thevicky_roy 2025-10-30T10:30Z XXX followers, XX engagements

"10/10 BOTTOM LINE Sagility is winning larger transformation deals by betting that AI deflation will be offset by scope expansion. The XX% margin while investing in AI shows they can retain efficiencies even as clients demand savings. Updated guidance of 21%+ constant currency growth and XX% margins reflects confidence that consultative selling beats commoditized outsourcing. The test: can they sustain organic growth in low-to-mid teens while BroadPath scales all while navigating XXX% annual AI cannibalization Q3's Medicare enrollment season will be the first real proof point"
X Link @thevicky_roy 2025-10-30T10:30Z XXX followers, XXX engagements

"1/10 ICRA Limited ICRA 6300 India's leading credit rating agency delivered profit growth twice as fast as revenue in H1 despite a slowdown in bond issuances. 😱 Ratings business up XXXX% while non-ratings growth lagged at 1.8%. Default rate at rock-bottom 0.2%. Credit ratio hit XXX with XXX upgrades versus XX downgrades. How this gatekeeper of India's credit markets makes money"
X Link @thevicky_roy 2025-10-30T12:30Z XXX followers, XXX engagements

"2/10 THE BUSINESS MODEL Think of ICRA as the financial health inspector for India's debt markets. Companies wanting to borrow through bonds need a credit rating. ICRA evaluates their creditworthiness and assigns a grade. Higher grades mean lower borrowing costs. Revenue comes from rating fees plus analytics and risk management solutions for banks and financial institutions. The magic is in repeat business as ratings need annual surveillance"
X Link @thevicky_roy 2025-10-30T12:30Z XXX followers, XX engagements

"Credit Access Garmeen Earnings Call 1/19 Key Quote In the last pricing review committee the company has increased the pricing for group loans around XX basis points. - Management"
X Link @thevicky_roy 2025-10-28T18:47Z XXX followers, XXX engagements

"Credit Access Garmeen Earnings Call 2/19 The management exhibits confident and transparent sentiment justified by their proactive strategy in addressing challenges (accelerated write-offs to clean the book) providing detailed forward-looking guidance on credit costs and profitability and expressing confidence in"
X Link @thevicky_roy 2025-10-28T18:47Z XXX followers, XX engagements

"Credit Access Garmeen Earnings Call 3/19 exceeding AUM growth targets (20%+ for H2 FY26 and FY27).The willingness to give precise estimates for future ECL impacts (70-100 bps additional credit cost in FY26 and 4%-4.5% credit cost in FY27) signals strong command over the data and future trajectory"
X Link @thevicky_roy 2025-10-28T18:47Z XXX followers, XX engagements

"Credit Access Garmeen Earnings Call 4/19 FY26 and FY27 Guidance and Outlook FY26 AUM Growth: Expected to meet the lower end of the "12% to 14%" guidance range with momentum picking up significantly in H2 FY26 (requiring XX% growth in H2 to meet the target)"
X Link @thevicky_roy 2025-10-28T18:47Z XXX followers, XX engagements

"Credit Access Garmeen Earnings Call 5/19 FY26 Credit Cost Deviation: Expect an additional credit cost of "70 to XXX basis points" compared to initial guidance resulting from delayed PAR attrition improvement (40-50 bps impact) and increased ECL provisioning (30-40 bps impact)"
X Link @thevicky_roy 2025-10-28T18:47Z XXX followers, XX engagements

"Credit Access Garmeen Earnings Call 6/19 FY27 Growth Target: Anticipated to be in the range of "20% plus" driven by normalizing PAR and increased branch network"
X Link @thevicky_roy 2025-10-28T18:47Z XXX followers, XX engagements

"Credit Access Garmeen Earnings Call 7/19 FY27 Credit Cost: Projected to range between "4% to 4.5%" including a "one-time ECL graduation of XX to XX basis points" due to the inclusion of recent PD (Probability of Default) and LGD (Loss Given Default) data points from FY26"
X Link @thevicky_roy 2025-10-28T18:47Z XXX followers, XX engagements

"Credit Access Garmeen Earnings Call 8/19 Medium-Term RoA Target: Management maintains confidence in achieving an RoA in the range of "4% to 4.5%" in FY27 compensating for higher credit costs through operational efficiency and improved spreads"
X Link @thevicky_roy 2025-10-28T18:47Z XXX followers, XX engagements

"Credit Access Garmeen Earnings Call 9/19 Borrowing Cost Trajectory: Weighted average borrowing cost is expected to decline from XXX% at the start of FY26 to approximately "9.5%" by year-end further moderating to an average of around "9.3%" in FY27. Strategic and Operational Performance"
X Link @thevicky_roy 2025-10-28T18:48Z XXX followers, XX engagements

"Credit Access Garmeen Earnings Call 10/19 Accelerated Write-Offs: Q2 FY26 saw total write-offs of "683 crore" including an accelerated write-off of "554.7 crore" to clean the legacy stressed book. This cycle is largely complete and future write-offs will be normalized"
X Link @thevicky_roy 2025-10-28T18:48Z XXX followers, XX engagements

"Credit Access Garmeen Earnings Call 11/19 Business Momentum: Disbursed "5332 crore" in Q2 FY26 a "32.9%" increase year-on-year reflecting consistent business momentum"
X Link @thevicky_roy 2025-10-28T18:48Z XXX followers, XX engagements

"Credit Access Garmeen Earnings Call 12/19 New Customer Acquisition: Added "2.2 lakh" borrowers in Q2 FY26 with "39%" being new to credit. Total unique borrowers now represent "41%" of the portfolio. Branch Expansion: Opened "96" branches in Q2 FY26 bringing the total count to "2209" branches"
X Link @thevicky_roy 2025-10-28T18:48Z XXX followers, XX engagements

"Credit Access Garmeen Earnings Call 13/19 Employee Attrition: Annualized attrition rate stood at "28.9%" in Q2 FY26. Asset Quality and Risk Management PAR XX and NPA: PAR XX stood at "2.5%" NPA at "3.65%" and Net NPA at "1.26%" (predominantly measured at 60+ DPD)"
X Link @thevicky_roy 2025-10-28T18:48Z XXX followers, XX engagements

"Credit Access Garmeen Earnings Call 14/19 Collection Efficiency: Efficiency excluding write-offs stood at "94.5%" for Q2 FY26. Excess Provisioning: The company holds "383 crore" (150 bps) higher provisioning over PAR XX and "681 crore" (268 bps) higher provisions compared to IRAC prudential norms"
X Link @thevicky_roy 2025-10-28T18:48Z XXX followers, XX engagements

"Credit Access Garmeen Earnings Call 15/19 Risk Mitigation: The Debt to Limit (DTL) for borrowers with greater than three lenders has significantly fallen to "6.9%" in September 2025 (from XXXX% in August 2024)"
X Link @thevicky_roy 2025-10-28T18:48Z XXX followers, XX engagements

"Credit Access Garmeen Earnings Call 16/19 Geographic Stress: Slight uptick in delinquency seen in Maharashtra and MP primarily attributed to heavy rains/floods but expected to be short-term and covered by current ECL modeling. Product Portfolio and Yields"
X Link @thevicky_roy 2025-10-28T18:48Z XXX followers, XX engagements

"Credit Access Garmeen Earnings Call 17/19 Retail Finance (RF) Shift: RF portfolio share increased to "11.1%" of AUM (from XXX% in Q1). This growth is calibrated leveraging higher regulatory leeway and supporting borrower retention"
X Link @thevicky_roy 2025-10-28T18:48Z XXX followers, XX engagements

"Credit Access Garmeen Earnings Call 18/19 Pricing Revision: Increased pricing for group loans by "75 basis points" in the last review to offset expected elevated credit costs"
X Link @thevicky_roy 2025-10-28T18:48Z XXX followers, XX engagements

"Credit Access Garmeen Earnings Call 19/19 Yield and Margin: Portfolio yield stood at "20.7%" for Q2 FY26. Net Interest Margin (NIM) remained steady at "13.3%". Sequential yield improvement is expected as sizable interest reversals (176 crore in H1) normalize. link to earnings call:"
X Link @thevicky_roy 2025-10-28T18:48Z XXX followers, XXX engagements

"2/11 Go Digit Insurance Earnings Call Q2FY26 The management exhibits a positive and confident sentiment justified by their outperformance against the industry in growth across most segments (e.g. ODD grew XXXX% vs. industry's 5.6%; Fire grew XXXX% vs. industry's 27.6%). They show confidence in execution and operational efficiency evidenced by the steady reduction in the expense ratio and the highest-ever motor ODD market share of "6.2%""
X Link @thevicky_roy 2025-10-28T18:54Z XXX followers, XX engagements

"3/11 Go Digit Insurance Earnings Call Q2FY26 Management directly addresses challenges (e.g. the profitability impact of high two-wheeler growth and the 1/N accounting effect) with clear quantification and strategic rationale demonstrating transparency and control. Q2 FY26 Financial Highlights (IGAP Basis - Unaudited) Gross Written Premium (GWP) for Q2 FY26 was "2667 crore" (on a 1/N basis) or "2739 crore" (without 1/N) compared to "2369 crore" last year. Premium retention ratio was "79.1%""
X Link @thevicky_roy 2025-10-28T18:54Z XXX followers, XX engagements

"4/11 Go Digit Insurance Earnings Call Q2FY26 Gross ratio (Loss Ratio) for the quarter was "73%". Combined ratio (CR) for Q2 was "111.4%" (with 1/N) but improved to "109.9%" on a like-to-like basis (without 1/N) compared to "112.2%" last year. Profit Before Tax (PBT) increased to "136 crore" from "89 crore" in the previous year. Profit After Tax (PAT) was "117 crore" at a tax rate of "14%". Full tax rate of "25%" is expected starting next year. Solvency ratio improved to "2.26" from "2.18" in the same quarter last year"
X Link @thevicky_roy 2025-10-28T18:54Z XXX followers, XX engagements

"5/11 Go Digit Insurance Earnings Call Q2FY26 Net worth increased to "4290 crore" compared to "3805 crore" last year. The company maintains a "14%" tax rate for the full year transitioning to a full corporate tax rate of "25%" starting next year. Deferred Acquisition Cost (DAC) post-tax stood at "1708 crore" as of September XX which will benefit future IGAP results. Management expects "710 crore" of the "1708 crore" DAC to unwind in H2 benefiting the IGAP profit"
X Link @thevicky_roy 2025-10-28T18:54Z XXX followers, XX engagements

"6/11 Go Digit Insurance Earnings Call Q2FY26 The impact of the 1/N accounting rule on H1 CR was only about "0.2%" in acquisition cost; all acquisition costs related to deferred premiums have been fully provided for. Motor OD loss ratio is expected to be managed by balancing higher loss ratios from a growing renewal book (lower acquisition cost) with lower loss ratios from new vehicles (higher acquisition cost). Growth in H2 is expected to be better than H1 for the industry driven by favorable macro indicators in motor and credit"
X Link @thevicky_roy 2025-10-28T18:54Z XXX followers, XX engagements

"7/11 Go Digit Insurance Earnings Call Q2FY26 Overall GWP growth (without 1/N) was "15.6%" significantly outpacing the industry's growth of "10%". Highest-ever motor ODD market share achieved in Q2 at "6.2%". Motor mix shift: Private Car increased to "45%" (from XX% LY Q2) Two-wheeler increased to "30%" (from XX% LY Q2) and CV reduced to "25%" (from XX% LY Q2)"
X Link @thevicky_roy 2025-10-28T18:54Z XXX followers, XX engagements

"8/11 Go Digit Insurance Earnings Call Q2FY26 High two-wheeler share (30% of motor business) heavily impacts IGAP profitability due to 5-year commission provision upfront versus gradual premium earning; this segment saw an additional loss impact of "53 crore" on the P&L in Q2. Commercial lines (Fire Marine Engineering Liability) grew by "53%"; Fire grew by "60.8%" more than double the industry's rate"
X Link @thevicky_roy 2025-10-28T18:55Z XXX followers, XX engagements

"9/11 Go Digit Insurance Earnings Call Q2FY26 In health non-employer-employee mix has grown though the overall loss ratio remains stable. Government health business written in Q2 has a higher loss ratio of "90% to 95%". AUM increased to "21345 crore". Unrealized gains stood at "677 crore" as of September XX (Equity: "326 crore"; Fixed Income/Bonds: "351 crore")"
X Link @thevicky_roy 2025-10-28T18:55Z XXX followers, XX engagements

"10/11 Go Digit Insurance Earnings Call Q2FY26 Equity allocation increased to "7.3%" (from XXX% in March XX and XXX% in September 24) indicating active deployment into equity alongside AUM growth. Yield on fixed income portfolio for the quarter was stable at about "1.9%" with minimal capital gains of only "1.9 crore" realized on debt. Motor OD loss ratio was "71.3%" in Q2 including an impact of roughly "30 crore" due to various floods"
X Link @thevicky_roy 2025-10-28T18:55Z XXX followers, XXX engagements

"11/11 Go Digit Insurance Earnings Call Q2FY26 The management estimates that every X% increase in the Private Car mix relative to the Two-Wheeler mix reduces the company's Combined Ratio (CR) by "0.1%". EV vehicle loss ratio in cars can be "20% to 25%" higher than non-electric cars specifically during flood-related claims and the company is consciously pricing below market consensus resulting in lower EV new car market share. full call here:"
X Link @thevicky_roy 2025-10-28T18:55Z XXX followers, XXX engagements

"2/15 Mahindra & Mahindra Financial Services Q2FY26 Earnings Call Reflecting a sense of cautious optimism management noted the positive momentum in Q2 especially aided by proactive measures in asset quality and margin expansion"
X Link @thevicky_roy 2025-10-28T19:04Z XXX followers, XX engagements

"3/15 Mahindra & Mahindra Financial Services Q2FY26 Earnings Call They expressed confidence in riding the tailwinds of festive demand and GST announcements in H2 maintaining guidance targets like the XXX% credit cost cap and aiming for a future disbursement CAGR of 15%"
X Link @thevicky_roy 2025-10-28T19:04Z XXX followers, XX engagements

"4/15 Mahindra & Mahindra Financial Services Q2FY26 Earnings Call Business Performance - Key Metrics AUM growth stood at "13%". Total Income growth improved to "14%". PAT growth for the half-year reached "25%" (Rs "1100" crore). Fee-based income reached "1.4%" of average assets signaling success in diversification strategy"
X Link @thevicky_roy 2025-10-28T19:04Z XXX followers, XX engagements

"5/15 Mahindra & Mahindra Financial Services Q2FY26 Earnings Call Cost of Funds (CoF) improved QoQ and YoY by "30" bps aided by favorable rate environment and lower leverage post the rights issue"
X Link @thevicky_roy 2025-10-28T19:04Z XXX followers, XX engagements

"6/15 Mahindra & Mahindra Financial Services Q2FY26 Earnings Call Asset Quality and Credit Cost Outlook Stage X (GS3) and Stage X (GS2) plus GS3 remained relatively stable at "9.7%" lower than last year's Q2. The sequential increase in GS3 was contained at only "9" bps (vs. "27" bps last year) while GS2 actually fell by "7" bps (vs. "32" bps expansion last year) indicating stronger collection efficiency"
X Link @thevicky_roy 2025-10-28T19:04Z XXX followers, XX engagements

"9/15 Mahindra & Mahindra Financial Services Q2FY26 Earnings Call Wheels business is expected to ride tailwinds from festive demand which began on September 22nd continuing into Q3 and Q4. Tractor disbursements grew by "41%" YoY in Q2 benefiting from stable rural economy and positive price discovery"
X Link @thevicky_roy 2025-10-28T19:04Z XXX followers, XX engagements

"11/15 Mahindra & Mahindra Financial Services Q2FY26 Earnings Call Trade advances (dealer funding) peaked at approximately Rs "6800" crore during Q2 to support festive inventory stocking (up from approx. Rs "4000" crore in the prior quarter) which temporarily dampens reported yields"
X Link @thevicky_roy 2025-10-28T19:04Z XXX followers, XX engagements

"12/15 Mahindra & Mahindra Financial Services Q2FY26 Earnings Call Net Interest Margin (NIM) expanded from "6.5%" YoY to "7%" driven by lower CoF and enhanced fee-based/dividend income (from the wholly-owned MIBL subsidiary)"
X Link @thevicky_roy 2025-10-28T19:04Z XXX followers, XX engagements

"13/15 Mahindra & Mahindra Financial Services Q2FY26 Earnings Call The Rural Housing Finance Company (MRHSL) concluded an ARC transaction bringing its gross NPA (GS3) below "3%" and achieving a profit for the quarter; the company now plans to accelerate participation in affordable housing finance"
X Link @thevicky_roy 2025-10-28T19:04Z XXX followers, XX engagements

"14/15 Mahindra & Mahindra Financial Services Q2FY26 Earnings Call SME business is growing at a "12%" clip and remains a new segment focus although it currently represents about "5%" of AUM"
X Link @thevicky_roy 2025-10-28T19:04Z XXX followers, XXX engagements

"15/15 Mahindra & Mahindra Financial Services Q2FY26 Earnings Call Overseas operations in Sri Lanka (Idol finance) are split approximately "50-50" between gold loans and vehicle finance and are showing improving financial trends. link to the full call:"
X Link @thevicky_roy 2025-10-28T19:04Z XXX followers, XXX engagements

"1/8 COMPUTER AGE MANAGEMENT SERVICES NSE: CAMS Rs 3985 Think of them as the invisible infrastructure powering XX% of India's Rs XX trillion MF industry Q2 FY26 Highlights: Highest-ever quarterly revenue - bounced back Rs 52L cr AUM (crossed Rs 55L in Oct) Rs 1L cr equity net sales (record) XX% NFO market share XX% EBITDA margin How this Rs 19738cr fintech infrastructure giant makes money"
X Link @thevicky_roy 2025-10-29T12:30Z XXX followers, XXX engagements

"2/8 THE MONEY FLOW CAMS = The toll booth on India's mutual fund highway Step 1: AMCs outsource operations - Pay fees based on AUM Step 2: CAMS runs entire back-end (11cr folios at Rs 110-120/folio) Step 3: Scales with zero marginal cost Unlike IT services this is INFRASTRUCTURE. When regulations change (like SIF launch) CAMS builds it - AMCs don't negotiate price for every change. That's platform power"
X Link @thevicky_roy 2025-10-29T12:30Z XXX followers, XX engagements

"3/8 WHO NEEDS CAMS (Revenue Mix) Think mutual funds plus beyond: MF Business: XXXX% of revenue XX AMC clients (68% market share) Just onboarded: Zerodha Jio BlackRock Angel One Choice X AMCs went LIVE in 2025 alone (vs. 1/year historically) Non-MF: XXXX% (growing fast) KRA: XX% QoQ rebound Payments: XX% QoQ growth Alternatives (AIF/PMS): Highest-ever quarterly revenue Scale matters: Fixed-cost business - More volume = Fat margins"
X Link @thevicky_roy 2025-10-29T12:30Z XXX followers, XX engagements

"7/8 STRATEGIC BETS CAMS AI (launched Aug 2024) Deploying AI across 30-year-old platform Focus: Automation efficiency external solutions New RTA platform going live end-FY26 New Product Categories SIF: Rs 1000cr in first scheme (SBI) GIFT City: 30+ clients first outbound MF live Bima Central: 12L+ users X insurers integrated 1L transactions/month KRA Expansion 2cr PANs (adding 13-14L from NSE acquisition in Q4) 25-30% revenue from non-MF brokers (built in X years) 38+ new clients added in Q2"
X Link @thevicky_roy 2025-10-29T12:30Z XXX followers, XXX engagements

"4/12 THE VOLUME STORY Total: 273.8mn cases (2.4%) India: Flat (prolonged rainfall killed demand) International: +9% (South Africa leading) Portfolio Mix: CSG (Pepsi Mountain Dew): XX% Packaged water: XX% NCB (juices energy): X% Low/zero sugar: XX% of sales (health trend acceleration)"
X Link @thevicky_roy 2025-10-29T18:15Z XXX followers, XX engagements

"6/10 WHY SCALE MATTERS In online insurance aggregation scale equals pricing power and profitability. With XX% market share and XX million registered users PB Fintech has unmatched data on customer preferences and insurer performance. Lower customer acquisition costs at scale drove adjusted EBITDA margin expansion from X% to 10%. New initiatives like PB Partners and UAE operations improved adjusted EBITDA margins from negative XX% to negative X% with breakeven targeted by FY27. Revenue has compounded at XX% CAGR since the November 2021 IPO"
X Link @thevicky_roy 2025-10-30T07:30Z XXX followers, XX engagements

"8/10 SHAREHOLDER VALUE Return metrics show the path to sustainable profitability. PAT margin improved from X% a year ago to X% this quarter. Since listing in Q2 FY22 PAT margin has swung from negative XX% to positive 8%. Adjusted EBITDA grew XXX% year over year to 156cr. However investors are paying 82000cr market cap for a company earning 135cr quarterly implying a PE ratio around 200x. The market is pricing in continued rapid growth and margin expansion not today's profitability"
X Link @thevicky_roy 2025-10-30T07:30Z XXX followers, XX engagements

"2/10 THE BUSINESS MODEL Sagility processes the messy paperwork of American healthcare. When you submit a medical claim or enroll in Medicare there's a good chance Sagility's 44000 specialists in India Philippines and US are handling it. They manage XXX million claims annually for health insurers and hospitals. The economic engine is simple: charge per transaction or per member per month deliver from low-cost geographies keep margins in the mid-twenties"
X Link @thevicky_roy 2025-10-30T10:30Z XXX followers, XXX engagements

"5/10 MANAGEMENT RESPONSE They're playing defense and offense. Reduced floating rate home loans from XX% to XX% of portfolio to limit rate sensitivity. Increased fixed-rate lending from XX% to XX% of the book. Started partnership lending with NBFCs in Rajasthan and Gujarat using security deposit models. Rejection ratio tightened to protect asset quality during expansion"
X Link @thevicky_roy 2025-10-30T16:15Z XXX followers, XX engagements

"Post 6/7: Navigating GST Impact Management addressed the impact of GST rationalization (withdrawal of input tax credit). The expected annualized impact is approximately XXXX% on margins (without management action). Mitigation Strategy: Management is confident in maintaining margins similar to FY25 levels by focusing on: 1) Rationalizing operating expenses 2) Shifting product mix toward high-margin segments (like Group Life) and 3) Rationalizing commissions primarily on renewal business"
X Link @thevicky_roy 2025-10-28T12:13Z XXX followers, XXX engagements

"1/15 Mahindra & Mahindra Financial Services Q2FY26 Earnings Call The Quote: "I think overall if I were to say in reflection of the quarter gone by and of course looking at the future with you know with aided and more optimism considering specific benefits that a majority in vehicle financer like us stands to benefit we do look at the first half year gone by reasonably well" - Management"
X Link @thevicky_roy 2025-10-28T19:04Z XXX followers, XXX engagements

"2/22 Star Health and Allied Q2FY22 Earnings Call Management exhibited confidence supported by tangible results including a significantly improved Combined Ratio (100.3% H1 FY26 vs XXXXX% H1 FY25) Net Claim Ratio reduction (70.6% H1 FY26 vs XXXX% H1 FY25) and strong growth in October (50% fresh business)"
X Link @thevicky_roy 2025-10-29T04:18Z XXX followers, XX engagements

"3/22 Star Health and Allied Q2FY22 Earnings Call They were proactive and transparent in detailing strategic initiatives (portfolio recalibration) and industry tailwinds (GST reform)"
X Link @thevicky_roy 2025-10-29T04:18Z XXX followers, XX engagements

"4/22 Star Health and Allied Q2FY22 Earnings Call The company's focus remains on achieving the previously discussed FY28 combined ratio target through sustained strategic efforts. A positive trajectory is expected with continued improvement in loss ratios throughout FY26 FY27 and FY28 driven by current strategic actions"
X Link @thevicky_roy 2025-10-29T04:18Z XXX followers, XX engagements

"5/22 Star Health and Allied Q2FY22 Earnings Call The focus on retail health is deepening with the retail business now contributing "95%" of the total book up from "91%" last year while the group portfolio is cut to "5%" (down from "9%")"
X Link @thevicky_roy 2025-10-29T04:18Z XXX followers, XXX engagements

"6/22 Star Health and Allied Q2FY22 Earnings Call Annual repricing model is being followed with a calendar to combat medical inflation; no price increases are planned solely for the GST impact. The company maintains a long-term goal of improving combined ratio towards the sustainable range of "97%" to "98%""
X Link @thevicky_roy 2025-10-29T04:18Z XXX followers, XXX engagements

"7/22 Star Health and Allied Q2FY22 Earnings Call Portfolio Performance and Loss Ratio Management: Net Claim Ratio for H1 FY26 stood at "70.6%" (down XX basis points YoY) and Q2 FY26 at "71.8%" (down XXX basis points YoY). The retail loss ratio for H1 FY26 was "69.9%" and for Q2 FY26 was "71.3%""
X Link @thevicky_roy 2025-10-29T04:18Z XXX followers, XX engagements

"8/22 Star Health and Allied Q2FY22 Earnings Call The group loss ratio significantly improved to "82.1%" in H1 FY26 (from "85.9%") and to "79.3%" in Q2 FY26 (from "91.6%"). Actions undertaken include fully exiting the unprofitable group employer portfolio and resizing the high-loss group book"
X Link @thevicky_roy 2025-10-29T04:18Z XXX followers, XX engagements

"9/22 Star Health and Allied Q2FY22 Earnings Call The company implemented a price correction on "55%" of its retail books last year and plans to follow an aggressive pricing strategy including repricing of low-profitability group and bancassurance accounts"
X Link @thevicky_roy 2025-10-29T04:18Z XXX followers, XX engagements

"10/22 Star Health and Allied Q2FY22 Earnings Call Fraud mitigation models have delivered savings growth of almost "35%" over last year. Gross Written Premium (GWP) for H1 FY26 grew by "12%" to Rs 8809 crore (aggregated basis)"
X Link @thevicky_roy 2025-10-29T04:18Z XXX followers, XX engagements

"11/22 Star Health and Allied Q2FY22 Earnings Call Retail Health GWP grew "17%" to Rs 8332 crore in H1 FY26 driven by "24%" growth in fresh premium. Retention in the retail health book remains strong at "98%" on a value basis"
X Link @thevicky_roy 2025-10-29T04:18Z XXX followers, XX engagements

"12/22 Star Health and Allied Q2FY22 Earnings Call Operating Cost ratio improved dramatically to "29.7%" in H1 FY26 (from "31.1%" in H1 FY25) due to technology investments and productivity gains. Investment yield stood at "8.3%" for H1 FY26 (IFRS basis) with XX% of the portfolio in equity ETFs and fixed income"
X Link @thevicky_roy 2025-10-29T04:18Z XXX followers, XX engagements

"13/22 Star Health and Allied Q2FY22 Earnings Call PAT (IFRS) for H1 FY26 was Rs XXX crore a "21%" YoY increase. Solvency ratio remains strong at "2.15 times" well above the regulatory requirement. Growth Triggers and Market Commentary"
X Link @thevicky_roy 2025-10-29T04:18Z XXX followers, XX engagements

"14/22 Star Health and Allied Q2FY22 Earnings Call The exemption of GST on retail health policies is expected to drive significant demand and is viewed as a "wonderful reform". New policy sales in October showed encouraging momentum with fresh business growth of almost "50%""
X Link @thevicky_roy 2025-10-29T04:19Z XXX followers, XX engagements

"16/22 Star Health and Allied Q2FY22 Earnings Call The long-term (multi-year) policies constitute around "13%" of the new policies count and "35-40%" of the new business value which is viewed as beneficial for persistency"
X Link @thevicky_roy 2025-10-29T04:19Z XXX followers, XX engagements

"17/22 Star Health and Allied Q2FY22 Earnings Call The company sees potential in OPD and innovative insurance (like dental) post the GST waiver following the "18%" GST waiver"
X Link @thevicky_roy 2025-10-29T04:19Z XXX followers, XX engagements

"18/22 Star Health and Allied Q2FY22 Earnings Call On distribution Agency distribution remains strong with a growth rate of almost "20%" on fresh business. Bancassurance contributed "7%" of total GWP with a strategic shift towards profitable indemnity and benefit plans which now make up "92%" of the bank book"
X Link @thevicky_roy 2025-10-29T04:19Z XXX followers, XX engagements

"19/22 Star Health and Allied Q2FY22 Earnings Call The company is leveraging its proprietary AI/ML-driven new claims platform (40% traffic migrated) and new agency app (for X lakh advisors) to boost productivity and customer satisfaction"
X Link @thevicky_roy 2025-10-29T04:19Z XXX followers, XX engagements

"20/22 Star Health and Allied Q2FY22 Earnings Call The organization has decided that the intermediary commission will be exclusive of GST from October 1st meaning the cost is passed onto the distributor/consumer resulting in no direct cost impact on the company's books"
X Link @thevicky_roy 2025-10-29T04:19Z XXX followers, XX engagements

"21/22 Star Health and Allied Q2FY22 Earnings Call Benefits from the GST reduction on life-saving drugs (from "12% to 5%" and "18% to 0%") are expected to offset the lack of Input Tax Credit (ITC) for the company resulting in a "neutral or positive" overall impact"
X Link @thevicky_roy 2025-10-29T04:19Z XXX followers, XXX engagements

"22/22 Star Health and Allied Q2FY22 Earnings Call They are implementing the regulatory-driven senior citizen renewal commission reduction (from "15% to 10%") across the portfolio. Follow me on X more analysis insights coming your way"
X Link @thevicky_roy 2025-10-29T04:19Z XXX followers, XXX engagements

"1/22 Happiest Minds Q2FY26 Earnings Call Happiest Minds just raised their growth guidance from X to X consecutive years of double-digit growth. Here's what's working and why this matters:"
X Link @thevicky_roy 2025-10-29T05:30Z XXX followers, 1341 engagements

"2/22 Happiest Minds Q2FY26 Earnings Call Q2 FY26 Results: Revenue $129.5M up XXXX% YoY in constant currency. EBITDA margin 20.8%. In an industry where most peers are doing flat to mid-single-digit growth they're outperforming significantly"
X Link @thevicky_roy 2025-10-29T05:30Z XXX followers, XX engagements

"3/22 Happiest Minds Q2FY26 Earnings Call The secret sauce Two strategic bets made last year are now paying off massively: 1) Generative AI Business Unit (GBS) 2) Independent Net New Sales Unit (NN)"
X Link @thevicky_roy 2025-10-29T05:30Z XXX followers, XXX engagements

"4/22 Happiest Minds Q2FY26 Earnings Call Generative AI Business Unit is absolutely crushing it. Since launch in Oct 2024: - XXXX% YoY growth in Q2 - XX% growth in H1 - XXXX% sequential growth in Q2 These are exceptional numbers in any market environment"
X Link @thevicky_roy 2025-10-29T05:30Z XXX followers, XXX engagements

"5/22 Happiest Minds Q2FY26 Earnings Call But here's the real kicker: They've built XX transformative AI use cases that have scaled into replicable projects. Translation: Solutions they built for one customer can now be sold to many others. This unlocks $50M revenue potential over next few years"
X Link @thevicky_roy 2025-10-29T05:30Z XXX followers, XX engagements

"6/22 Happiest Minds Q2FY26 Earnings Call Example of replicable solutions: Virtual tutors for EdTech companies. Every EdTech needs this. Build once sell many times. Same pattern across retail banking healthcare manufacturing. This is how you scale fast without linear headcount growth. The Net New Sales Unit is the second growth engine"
X Link @thevicky_roy 2025-10-29T05:30Z XXX followers, XX engagements

"7/22 Happiest Minds Q2FY26 Earnings Call In H1 alone: - Added XX new Fortune 500/1000 clients - Generated $9M in revenues - Representing $50-60M potential over next 3-4 years Key insight: Over half of these XX clients already expanded into multiple projects within months"
X Link @thevicky_roy 2025-10-29T05:30Z XXX followers, XX engagements

"11/22 Happiest Minds Q2FY26 Earnings Call Smart SG&A investments: Yes costs are up but it's intentional. They're investing in: - Verticalization (industry-specific experts) - Travel for in-person customer meetings - Marketing and events - Net new sales team These are growth investments not bloat"
X Link @thevicky_roy 2025-10-29T05:30Z XXX followers, XX engagements

"12/22 Happiest Minds Q2FY26 Earnings Call Geographic diversification working: US grew X% QoQ (60% of revenue) India up XX% Europe growing Middle East emerging as high-potential market. Not dependent on single geography. H1B visa policy changes Negligible impact - only X professionals on H1B in last XX months"
X Link @thevicky_roy 2025-10-29T05:30Z XXX followers, XXX engagements

"13/22 Happiest Minds Q2FY26 Earnings Call Deal wins show strategic positioning: Fortune XXX insurance - database modernization. Global healthcare in Europe - cybersecurity & zero trust. Cloud provider - multi-year managed services. These aren't small tactical projects these are strategic partnerships"
X Link @thevicky_roy 2025-10-29T05:30Z XXX followers, XXX engagements

"14/22 Happiest Minds Q2FY26 Earnings Call The vertical strategy is paying off: BFSI (largest vertical) - Artha banking platform Insurance in a Box AI-driven claims. Retail/CPG - connected commerce Industry XXX. Healthcare - database migration AI compliance. EdTech - digital campus AI assessment"
X Link @thevicky_roy 2025-10-29T05:30Z XXX followers, XX engagements

"15/22 Happiest Minds Q2FY26 Earnings Call On EdTech specifically (which has been weak): Bottoming out by Q3. But new opportunity emerging - institutional/university segment. Just won $3M deal with leading Asian management institute. C an replicate across universities globally. This could be a major new vertical"
X Link @thevicky_roy 2025-10-29T05:30Z XXX followers, XX engagements

"21/22 Happiest Minds Q2FY26 Earnings Call This is how mid-sized IT services firms can differentiate and grow despite macro headwinds. Focus on emerging tech where customers need help (AI) build replicable solutions invest in sales maintain operational discipline"
X Link @thevicky_roy 2025-10-29T05:31Z XXX followers, XXX engagements

"22/22 Happiest Minds Q2FY26 Earnings Call Extending guidance to X years double-digit growth is bold but backed by real pipeline visibility and execution momentum. Worth watching if they can sustain this in H2 and beyond"
X Link @thevicky_roy 2025-10-29T05:31Z XXX followers, XXX engagements

"3/28 Infobeans Q2FY26 Earnings Call H1 FY26 Performance: Revenue: 224cr EBITDA: 71cr PAT: 46cr Cash & equivalents: 292cr Growing at XX% CAGR since 2021. Cash pile gives massive strategic flexibility for M&A or investments"
X Link @thevicky_roy 2025-10-29T07:30Z XXX followers, XXX engagements

"4/28 Infobeans Q2FY26 Earnings Call The Transformation Journey: 2005-2015: Foundation years 2015-2023: Scaled from 43cr to 400cr in X years 2025: Achieved CMMI Level X onboarded Narayana Murthy to advisory board This is a company punching way above its weight class"
X Link @thevicky_roy 2025-10-29T07:30Z XXX followers, XXX engagements

"5/28 Infobeans Q2FY26 Earnings Call Customer Quality is Exceptional: XX large enterprise clients Micro-cap company serving Fortune 500s IKEA client for XX years One product company client for XX years High repeat business = sticky revenue = predictable growth"
X Link @thevicky_roy 2025-10-29T07:30Z XXX followers, XX engagements

"6/28 Infobeans Q2FY26 Earnings Call Geographic Diversification Working: US: XX% Europe: XX% (was XX% in Q1) UAE: X% ROW: X% Europe growing rapidly. Management sees potential for Europe to hit 40-50% in 2-3 years"
X Link @thevicky_roy 2025-10-29T07:30Z XXX followers, XX engagements

"7/28 Infobeans Q2FY26 Earnings Call The Secret Sauce - Two Platform Strategy: Focus on Salesforce and ServiceNow implementations for enterprise clients. Most large enterprises use one or both platforms. This creates recurring consulting + integration revenue streams"
X Link @thevicky_roy 2025-10-29T07:30Z XXX followers, XXX engagements

"8/28 Infobeans Q2FY26 Earnings Call AI Positioning is Aggressive: Pivoted to "AI-first organization" over last 2-3 quarters. Not just talking about AI - actually delivering: POCs for clients Built accelerators (Stanza Expona) Hired AI-experienced talent Attending AI conferences"
X Link @thevicky_roy 2025-10-29T07:30Z XXX followers, XXX engagements

"9/28 Infobeans Q2FY26 Earnings Call On AI Strategy: "Margins are secondary when it comes to AI. Primary concern is to get ahead in the race invest heavily and take this forward for the next 5-10 years of the AI revolution." This is long-term thinking not quarterly optimization"
X Link @thevicky_roy 2025-10-29T07:30Z XXX followers, XXX engagements

"10/28 Infobeans Q2FY26 Earnings Call Silicon Valley Advantage: Strong presence in Bay Area = close to cutting-edge innovation. Working on context-aware AI integrating text imagery (pictures + videos) and audio. Moving beyond basic LLMs to multimodal AI solutions"
X Link @thevicky_roy 2025-10-29T07:30Z XXX followers, XXX engagements

"11/28 Infobeans Q2FY26 Earnings Call Retrieval Augmented Generation (RAG): Invested heavily in RAG technology a year ago. Built Expona accelerator using it. Now RAG is becoming "hygiene technology." Pattern: Invest early in emerging tech Build solutions Move to next wave"
X Link @thevicky_roy 2025-10-29T07:30Z XXX followers, XXX engagements

"12/28 Infobeans Q2FY26 Earnings Call Client Addition Strategy: Adding X new clients per quarter. Out of XX new clients in last X months X are large accounts. Focus is on landing large logos that can scale to $5-10M accounts over 2-3 years. Quality over quantity"
X Link @thevicky_roy 2025-10-29T07:30Z XXX followers, XX engagements

"13/28 Infobeans Q2FY26 Earnings Call Growth Driver Analysis: Growth coming from both new clients AND existing client expansion. New clients start small prove delivery excellence then rapidly expand. Classic land-and-expand model executed well"
X Link @thevicky_roy 2025-10-29T07:30Z XXX followers, XX engagements

"14/28 Infobeans Q2FY26 Earnings Call Operational Excellence: Utilization: XX% (up from XX% four quarters ago) Added XX employees in Q2 (after Q1 reduction) Salary hike impact: 11-12% on employee costs (effective Oct 1) High utilization + revenue growth = margin expansion"
X Link @thevicky_roy 2025-10-29T07:30Z XXX followers, XX engagements

"15/28 Infobeans Q2FY26 Earnings Call The Margin Story: 100cr quarterly revenue was the threshold to cover fixed costs. Anything above flows heavily to bottom line. Now consistently above 120cr = significant operating leverage kicking in"
X Link @thevicky_roy 2025-10-29T07:30Z XXX followers, XX engagements

"16/28 Infobeans Q2FY26 Earnings Call Investment Areas: Aggressively investing in sales across US Germany and UAE markets. Also investing in AI tools internally for productivity. Result: Faster time to market than competitors while maintaining margins"
X Link @thevicky_roy 2025-10-29T07:30Z XXX followers, XX engagements

"17/28 Infobeans Q2FY26 Earnings Call Project Structure Reality: Most projects are 6-9 months duration. No multi-year order book to disclose. But experience shows they can maintain growth trajectory based on customer relationships and repeat business"
X Link @thevicky_roy 2025-10-29T07:30Z XXX followers, XX engagements

"18/28 Infobeans Q2FY26 Earnings Call Margin Guidance: Target: Maintain at least XX% EBITDA margin. Currently doing better (29% in Q2). Conservative guidance with consistent upside = management credibility"
X Link @thevicky_roy 2025-10-29T07:30Z XXX followers, XX engagements

"19/28 Infobeans Q2FY26 Earnings Call Agentic AI Demand: Seeing significant demand for agentic workflows from clients. Delivering POCs accelerators and end-use cases. "This is a very exciting field very upcoming field and we are very much part of this.""
X Link @thevicky_roy 2025-10-29T07:30Z XXX followers, XX engagements

"21/28 Infobeans Q2FY26 Earnings Call CSR: The Foundation Program Training 200+ students simultaneously across X centers. Free 1-year course for BSc/BCom graduates from families earning X lakh annually. XX% placement success rate. Students now earning 20-25 lakh after X years"
X Link @thevicky_roy 2025-10-29T07:30Z XXX followers, XX engagements

"24/28 Infobeans Q2FY26 Earnings Call The Indore IT Park Project: Won 3-acre land in govt tender. Planning 4-5 lakh sq ft campus. Infobeans will use X lakh sq ft. Payback period: XX years at current rental rates. Will enhance credibility with enterprise customers"
X Link @thevicky_roy 2025-10-29T07:31Z XXX followers, XX engagements

"25/28 Infobeans Q2FY26 Earnings Call Why Own Campus Matters: "A services business depends heavily on trust factor. A very good quality campus strengthens that trust in minds of buyers and customers." World-class facility = landmark in Indore = better client perception"
X Link @thevicky_roy 2025-10-29T07:31Z XXX followers, XX engagements

"26/28 Infobeans Q2FY26 Earnings Call The Doubling Strategy: Historical ambition: Double revenue every X years. Paused during macro headwinds. Now back on track with combination of organic + inorganic growth. Management confidence returning with improving momentum"
X Link @thevicky_roy 2025-10-29T07:31Z XXX followers, XX engagements

"28/28 Infobeans Q2FY26 Earnings Call Bottom Line: While large IT services face macro headwinds Infobeans is growing XX% YoY with expanding margins. AI investments enterprise relationships and operational leverage creating a compounding story. Worth tracking if you invest in micro-cap IT services"
X Link @thevicky_roy 2025-10-29T07:31Z XXX followers, XXX engagements

"6/9 THE STRATEGIC BETS Nodal agency for X flagship govt schemes: X. RDSS: Fixing discom finances (19 states) X. PM Rooftop Solar: 17L households covered 7L added in last X months Target: X crore households by 2028 First-mover advantage in distributed solar"
X Link @thevicky_roy 2025-10-29T10:50Z XXX followers, XX engagements

"1/10 FIVE-STAR BUSINESS FINANCE NSE: FIVESTAR XXX Secured small business lender navigating industry headwinds. H1 FY26: Profit of 286cr up X% quarter-on-quarter. ROA at XXX% and ROE at XXXX% remain stellar. Asset quality stabilized in Q2 with legal recoveries ramping up. How this 15800cr NBFC makes money follow along"
X Link @thevicky_roy 2025-10-30T05:30Z XXX followers, XXX engagements

"5/10 MANAGEMENT RESPONSE ICRA acquired Finlex a RegTech platform with XX crore revenue and XX% EBITDA margins. This adds regulatory reporting solutions for banks and NBFCs to the arsenal. Management focused ratings growth on infrastructure and BFSI sectors where credit demand remains strong. Process re-engineering and technology investments are driving operating efficiency as ratings margins expand despite modest revenue growth"
X Link @thevicky_roy 2025-10-30T12:30Z XXX followers, XX engagements

"6/10 WHY SCALE MATTERS HERE Ratings is a high operating leverage business. Once you have the analytical team and infrastructure each additional rating falls largely to the bottom line. That is why PAT grew XXXX% on just XXX% revenue growth in H1. ICRA's backing by Moody's provides global best practices and credibility. The exceptionally low XXX% default rate validates their analytical rigor and reinforces their moat as a trusted ratings provider"
X Link @thevicky_roy 2025-10-30T12:30Z XXX followers, XX engagements

"4/10 THE CHALLENGE Rate cuts are a double-edged sword. The Reserve Bank's XXX basis point cuts immediately lowered lending yields but deposit costs take 12-15 months to reprice. Result NIM compressed from XXX% in FY25 to XXXX% in Q2. Profit grew just X% despite XX% loan growth. That's the margin squeeze playing out"
X Link @thevicky_roy 2025-10-30T16:15Z XXX followers, XX engagements

"9/10 WHAT COULD GO WRONG Flood-affected agriculture portfolio (30% exposure) could deteriorate if climate events persist. Geographic concentration in Punjab remains at XX% despite expansion plans. XX% floating rate book means further rate cuts will pressure yields before deposit repricing helps. Small NBFC-MFI exposure (62 crores) already showing XX% NPAs. CD ratio at XX% limits lending flexibility. Always know the risks"
X Link @thevicky_roy 2025-10-30T16:15Z XXX followers, XX engagements

"15/22 Star Health and Allied Q2FY22 Earnings Call The digital vertical is the fastest-growing channel with "47%" premium growth contributing close to "20%" of overall fresh business and is the most profitable channel"
X Link @thevicky_roy 2025-10-29T04:19Z XXX followers, XXX engagements

"This might be the best-positioned mid-cap IT stock for the AI wave. XX% GenAI growth XX Fortune XXX logos added 4-year double-digit guidance Here's the simple business model driving this 👇"
X Link @thevicky_roy 2025-10-29T06:30Z XXX followers, 1435 engagements

"5/12 STRATEGIC EXPANSION (Beyond Beverages) Carlsberg Partnership: Beer distribution in Southern Africa (Zambia Zimbabwe DRC belt) Kenya Subsidiary: Dairy + beverages play New Energy Drink: "Adrenaline Rush" at XX (mid-premium positioning vs Red Bull/Sting) Snacks: Morocco full-scale Zimbabwe plant commissioning Diversifying beyond PepsiCo beverages"
X Link @thevicky_roy 2025-10-29T18:15Z XXX followers, XX engagements

"6/12 CATEGORY WINNERS (What's Actually Growing) Nimbooz (hydration): +50% growth Value-added dairy: XXX% growth Cream Bell Why this matters Higher-margin categories gaining traction despite weather headwinds For context: Weather knocked down overall volumes yet premium categories are firing Management betting big on these adjacencies"
X Link @thevicky_roy 2025-10-29T18:15Z XXX followers, XX engagements

"3/10 WHY RENEWAL REVENUE MATTERS For insurance brokers renewal revenue is the annuity stream that drives long-term profitability. When customers renew policies year after year brokers earn trail commissions with zero acquisition cost PB Fintech's renewal revenue hit 774cr on a 12-month rolling basis up XX% year over year. For context this recurring revenue base provides visibility and margin expansion as the customer book compounds. Quarterly insurance renewal revenue reached an annualized run rate of 758cr up from 516cr a year ago"
X Link @thevicky_roy 2025-10-30T07:30Z XXX followers, XX engagements

"7/10 BENEFITS OF GST REMOVAL The removal of GST on term life and health insurance in July 2025 sparked a surge in higher-value policies. Average health cover size jumped from XX lakh to XX lakh with XX% of buyers now opting for 15-25 lakh coverage. Tier-II cities showed increased adoption of comprehensive protection. Day-1 pre-existing disease add-ons rose XX% and critical illness riders increased 20%. This trend toward better coverage drives higher premiums and therefore higher commission revenue for PB Fintech over time"
X Link @thevicky_roy 2025-10-30T07:30Z XXX followers, XX engagements

"When you submit a medical claim or enroll in Medicare there's a good chance Sagility's 44000 specialists in India Philippines and US are handling it HOW DOES THIS BUSINESS MAKE MONEY see if this helps"
X Link @thevicky_roy 2025-10-30T11:30Z XXX followers, XXX engagements

"@Homo__Sapien_ I make summarized notes add educational notes have my context ready and use Claude Sonet XXX to get me the illustration"
X Link @thevicky_roy 2025-10-30T12:46Z XXX followers, XX engagements

"10/10 BOTTOM LINE Capital Small Finance is the secured lending play on rural India's consumption story. Best-in-class asset quality at XXX% NPAs despite floods proves underwriting discipline. The test is whether NIM can recover to 4.2-4.3% as deposits reprice in FY27 and if geographic expansion maintains credit standards. Watch Q4 FY26 margins and outside-Punjab asset quality closely"
X Link @thevicky_roy 2025-10-30T16:15Z XXX followers, XX engagements