Tag 52 Week Low

Yes Bank Ltd
Yes Bank Hits Fresh 52-Week Low: Expert Trading Strategies for Navigating the Breakdown

Business and Industry Overview: 

Yes Bank is a private bank in India. It started in 2004 and has its main office in Mumbai. The bank helps people and businesses with money. People can open savings and current accounts. They can also get loans, credit cards, and fixed deposits. Businesses use the bank for loans and money management. Many companies trust Yes Bank for their financial needs.   

In 2020, Yes Bank had big money problems. Many people and businesses could not repay their loans. The bank lost a lot of money and faced a crisis. It could not manage its funds properly. The Reserve Bank of India (RBI) and other big banks helped. They gave money and made changes in the bank. This helped Yes Bank recover.   

After that, Yes Bank worked to fix its problems. It became careful while giving loans. It checked risks properly before lending money. It also improved how it managed funds. The bank focused on online banking. It made mobile banking and online payments better. More people started using these services.   

Yes Bank is now trying to grow again. It wants people to trust it. It still faces some problems. Other banks are strong competition. It also has old loan issues. But it is working hard to improve. It wants to become strong and stable in the future. 

Banks keep money safe, give loans, and help people send and receive money. The Reserve Bank of India (RBI) makes rules so that banks work well. There are different banks in India. Foreign banks come from other countries. Private banks focus on good service and new technology. Government banks help many people and businesses. Rural banks give money to farmers and small shop owners. India’s FinTech market is now US$ 111 billion and may grow to US$ 421 billion by 2029. More people now pay online instead of using cash. By 2026, 65% of payments in India may be online. Banks use new technology to make things easy. Farmers can apply for Kisan Credit Card (KCC) loans online to get money fast. In September 2023, India got its first UPI-ATM, where people can take out cash without a card. By July 2024, 602 banks used UPI, and people made 15.08 billion online payments worth US$ 25.27 billion. The RBI is making a digital currency (CBDC) for quicker payments. The government is making KYC rules easy, so opening a bank account takes less time. In March 2023, India Post Payments Bank and Airtel started WhatsApp banking, so people can use their phones for banking. The banking system is growing but has some problems. Online fraud is increasing, so banks need better safety. New FinTech companies are giving more choices, so banks must work better. More people now like digital banking. The government is helping with new rules and technology. Banking in India will keep getting better. 

Latest Stock News: 

The Indian stock market had a mixed day on Tuesday. The BSE Sensex dropped slightly by 0.02% and closed at 74,102. The Nifty 50 went up by 0.17% and closed at 22,497. 

One stock fell from ₹400 to ₹5.65 and has not moved much since then. This shows why buying a falling stock can be risky. Experts call this “catching a falling knife.” The stock is still weak because its RSI is below 40 on monthly, weekly, and daily charts. Experts say it is better to wait and watch instead of buying now. 

Other Asian stock markets also fell. Wall Street stocks dropped sharply before that. Investors are worried about the US economy. On Sunday, former US President Donald Trump did not say if a recession might happen. His trade policies have made people unsure about the future. 

Potentials: 

Yes Bank is working to grow and become strong again. It plans to give loans carefully so people and businesses can repay them on time. The bank will check customers properly before approving loans to avoid bad debts. It is also working to recover money from past unpaid loans. 

Yes Bank is improving its mobile app and website to make banking easier. It wants more people to use online banking, mobile payments, and digital services for quick and safe transactions. The bank is introducing new features to attract more customers. 

Yes Bank is also focusing on helping businesses. It wants to provide better loans and money management services to small and medium-sized companies. The bank aims to grow its business banking section by offering better financial support to companies. 

To avoid financial problems like before, Yes Bank is improving its risk management system. It is making sure that it does not give loans to people who cannot repay. It is also keeping a close watch on financial risks to protect itself from losses. 

The bank is looking for new business partners to expand its services. It wants to work with fintech companies and other financial firms to bring new and smart banking solutions. These partnerships will help the bank grow faster and offer better services to customers. 

Yes Bank also wants to increase its profits by attracting more customers and expanding its services. It is focusing on better customer service, digital banking, and secure financial management. The bank is taking steady steps to rebuild trust, grow its business, and become strong and stable again. 

Analyst Insights: 

  • Market capitalisation: ₹ 50,668 Cr. 
  • Current Price: ₹ 16.2 
  • 52-Week High/Low:₹ 28.6 / 16.0 
  • Stock P/E: 23.4 
  • Dividend Yield: 0.00 % 
  • Return on Capital Employed (ROCE): 5.81 % 
  • Return on Equity: 3.11 % 

Yes Bank is not a good investment right now. Its profits have improved, but it still does not use money as well as other banks. ICICI and HDFC Bank make much better returns. Yes Bank’s bad loans have reduced, but it still struggles to cover its interest costs. Its sales have also dropped over the last five years. The stock price has fallen 29% in a year and is close to its lowest point. This shows that investors do not trust the bank much. It is better to sell or avoid Yes Bank and look at stronger banks like ICICI or HDFC. 

Asian Paints Ltd
Breakdown Stocks: How to Trade Asian Paints After Hitting a Fresh 52-Week Low?

Business and Industry Overview: 

Asian Paints is the largest paint company in India. It makes and sells paints, coatings, and home décor products. The company started in 1942 in Mumbai. It grew quickly and became India’s top paint maker by 1967. Over the years, it expanded to other countries. It bought many paint companies to grow its business. Asian Paints also entered the home décor market. It sells kitchen and bathroom products. The company also provides interior design services. It even started selling decorative lighting. The founders’ families still own a big part of the company. Asian Paints continues to grow and reach more customers worldwide. 

The Indian paint industry grew well in FY’22 and FY’23 but is now facing tough challenges. Competition has increased, and profit margins are under pressure. Established companies like Asian Paints, Berger Paints, and Kansai Nerolac saw revenue growth slow to 4% in FY’24, much lower than the 14-15% annual growth seen earlier. The slowdown happened because companies reduced prices due to lower raw material costs and more sales of lower-priced products.   

In the first half of FY’25, revenue was further hit by tough competition, elections, and extended monsoon rains. New players like JSW Paints and Grasim Industries are expanding aggressively. They are adding new factories, more dealers, and larger sales teams. This has forced older companies to spend more on advertising and promotions, which is affecting their profits.   

Operating margins, which were around 18% in past years, dropped to 16% in early FY’25. Experts expect margins to fall further to 14% by FY’26 because of pricing pressures. However, gross margins are expected to stay stable at around 40% due to recent price hikes of 1.5-2.5%. The share of organized players is likely to rise to 80% in the coming years as more factories open.   

Decorative paints make up about 70-75% of total demand, driven by repainting, urbanization, and higher incomes. Industrial paints account for 25-30% of demand, supported by sectors like automobiles, oil and gas, and infrastructure. Despite challenges, the industry is expected to grow by 8-10% annually, though profits may be lower than before. 

Latest Stock News: 

Asian Paints’ stock fell to its lowest price in a year at ₹2,124.75 but later recovered, rising over 2% by noon. The drop happened after a well-known financial expert advised investors to avoid the stock due to uncertainty in demand. JPMorgan, a leading brokerage firm, has an “underweight” rating on the stock and set a target price of ₹2,300, expecting only a 5.5% increase.   

The paint industry has been struggling, with most companies seeing slow sales growth in the last quarter. One new competitor, Birla Opus, has gained a mid-single-digit market share, increasing competition. Analysts say weak demand, trade de-stocking, and heavy discounts have hurt sales. However, they expect pricing to improve as previous price cuts settle.   

Despite the slight recovery, many analysts remain cautious. Out of 40 analysts covering the stock, 19 recommend selling, 11 suggest holding, and only 10 have a buy rating. The stock has dropped 36% from its peak of ₹3,394. Experts suggest investors wait for clearer signs of demand growth before making a decision. 

Potentials: 

Asian Paints has outlined major expansion plans to strengthen its business and reduce costs. The company is setting up a large paint manufacturing plant in Madhya Pradesh with an investment of ₹2,000 crore. This facility will take about three years to become operational and will increase its production capacity.   

To lower costs and reduce dependence on imports, Asian Paints is also investing ₹2,100 crore in manufacturing key raw materials used in paints. This move will improve profit margins and ensure a steady supply of materials.   

Additionally, the company is expanding internationally by setting up a white cement plant in the UAE with an investment of ₹550 crore. This plant will support the production of putty and other related products.   

Through these investments, Asian Paints aims to expand its market reach, improve efficiency, and remain competitive in the growing paint industry. 

Analyst Insights: 

  • Market capitalisation: ₹ 2,07,666 Cr. 
  • Current Price: ₹ 2,165 
  • 52-Week High/Low: ₹ 3,395 / 2,125 
  • P/E Ratio: 47.6  
  • Dividend Yield: 1.54 % 
  • Return on Capital Employed (ROCE): 37.5 % 
  • Return on Equity (ROE): 31.4 % 

Asian Paints is a strong company with consistent profit growth, a high return on equity (ROE) of 27.8% over three years, and a return on capital employed (ROCE) of 37.5%. It has been paying out 59.7% of its profits as dividends, making it attractive for long-term investors. However, the stock is expensive, trading at 11.5 times its book value, with a high P/E ratio of 47.6, suggesting it may not offer good returns at current levels. While the company has delivered a strong 20.5% CAGR profit growth over the last five years, the increasing competition and pricing pressures may impact future earnings. Existing investors should hold, but new investors should wait for a better entry price as the stock is currently overvalued. 

SBI Ltd
State Bank of India’s Latest Market Trends and Financial Insights: Hit 52-Week Low

Business and Industry Overview: 

State Bank of India (SBI) is the largest government-owned bank in India and one of the biggest banks in the world. It has a strong presence in the banking sector, holding 23% of the country’s total assets and 25% of all loans and deposits. With around 250,000 employees, it is also one of India’s top employers. SBI has achieved major milestones in the stock market, reaching a market value of over ₹8 trillion in 2024, making it one of the most valuable companies in India. The Reserve Bank of India (RBI) considers SBI a “too big to fail” bank, meaning it is crucial to the country’s financial system. The bank has a rich history, dating back to 1806, and was originally called the Imperial Bank of India before being renamed SBI in 1955. Over the years, it has grown by merging with more than 20 banks. In 2022, SBI opened a special branch in Bengaluru to support start-ups in India.  

India’s financial sector is growing rapidly, driven by technology, government policies, and increasing investor interest. While banks still dominate, other areas like mutual funds, insurance, and digital payments are expanding quickly. Looking ahead, the industry is expected to grow even more. The mutual fund market is set to reach ₹95 lakh crore (US$ 1.15 trillion) by 2025, and the insurance sector could hit US$ 250 billion. Digital payments are booming, with mobile wallets expected to reach US$ 5.7 trillion by 2027, and UPI transactions already crossing ₹18.53 lakh crore (US$ 222.66 billion) per month. India’s stock market is also on the rise and is expected to become the fifth-largest in the world, surpassing US$ 5 trillion. More global companies are investing in India, especially in insurance and finance. Additionally, the number of wealthy individuals is growing, which will make India one of the top private wealth markets by 2028. With strong government support, better financial access for people, and new technologies, India’s financial sector is set to become a major player globally in the coming years. 

State Bank of India (SBI) is the biggest bank in India, offering financial services to individuals, businesses, and government institutions. It plays a major role in banking, investments, and lending, making it a key player in the country’s financial system.  SBI is focusing a lot on digital banking. It has launched new apps like ‘YONO for Every Indian’ and ‘Yono Global’ to make banking easier, even for customers in Singapore and the US. It also introduced UPI transactions for India’s digital currency (CBDC) and an electronic Bank Guarantee (e-BG) to speed up banking processes. The bank is also raising funds to support India’s infrastructure and sustainability projects. It secured over US$ 1.2 billion through bonds and completed a US$ 1 billion loan focused on environmental and social impact—the biggest of its kind in Asia.  To support startups, SBI has opened special branches that provide all banking services under one roof. It is also helping expand banking services by partnering with RailTel to bring 4G connectivity to 15,000 offsite ATMs across India.  With its focus on digital banking, international expansion, and financial inclusion, SBI continues to be India’s most important and trusted bank.The bank has a market share of 22.84% in deposits and 19.69% share in advances in India. It has a strong customer base of ~45 crore customers. 

Latest Stock News: 

State Bank of India (SBI) shares fell to a 52-week low of ₹710.90 on February 24, 2025, after InCred Equities downgraded the stock from ‘Add’ to ‘Hold’ and lowered its target price from ₹1,100 to ₹795. The downgrade was due to concerns about SBI’s future profitability. Analysts expect the bank’s ability to generate returns (RoA) to decline from 1% in FY25 to 0.8% in the next two years as profit margins shrink and loan losses return to normal levels. Similarly, its return on equity (RoE) is expected to drop from 16-17% to 13-14% as borrowing costs rise and interest rates fall. A big part of SBI’s profits come from non-core income, like trading gains and loan recoveries, but experts believe this income may not be reliable in the long run. Additionally, SBI is recovering less money from bad loans compared to other government-owned banks. These factors have made analysts cautious about SBI’s future earnings, despite its strong past performance. 

State Bank of India (SBI) made a huge profit of ₹16,891 crore in the last three months of 2024, which is 84% more than what it earned in the same period the previous year (₹9,164 crore). The bank’s total income (money it earned from all sources) also increased to ₹1,28,467 crore, compared to ₹1,18,193 crore last year. Most of this came from interest income, which grew to ₹1,17,427 crore. SBI’s bad loans (NPAs) decreased, meaning fewer people failed to repay their loans. Its gross NPA dropped to 2.07% (from 2.42%), and net NPA fell to 0.53% (from 0.64%). As a whole group, SBI’s total profit went up 70% to ₹18,853 crore, and its total earnings touched ₹1,67,854 crore. These numbers show SBI is growing stronger and making more money while improving loan recoveries. 

Potentials: 

State Bank of India (SBI) is growing fast and making banking easier for people. It is launching a new mobile app in the U.S. and Singapore and allowing UPI payments for Digital Rupee. SBI is also letting people withdraw cash without a card. It is giving more loans to businesses and helping startups with special banking services. The bank is also working with Japan and raising money for eco-friendly projects. By opening more ATMs, helping people pay back loans, and supporting small businesses, SBI is making banking better for everyone. SBI has many ways to grow. It can use technology to make banking easy for people, open more branches in India and other countries, and help people who do not have bank accounts save money and learn about banking. SBI can also collaborate with other companies to generate new ideas. However, to keep people’s money safe, SBI needs strong security and rules. 

Analyst Insights: 

Key financial metrics: 

Market Value: ₹637664.06 crore 

Price-to-Earnings (P/E) Ratio: 8.03 

Dividend Yield: 1.89%   

Return on Capital (ROCE): 6.16%  

Return on Equity (ROE): 18.1%  

Dividend Payout: 18% 

PAT: ₹82,346 Crore (₹167,285 crore from other income)  

Financing Profit: ₹-58,965 Crore  

SBI has been making more and more profit every year, growing very fast (98.7% per year) in the last five years. The bank gives some of its earnings (18.1%) to its shareholders as dividends. But it does not have a lot of extra money to easily pay interest on its loans. SBI also has a huge amount of money (₹24.65 lakh crore) in possible future payments, which it may have to pay later. A big part of its earnings (₹1.67 lakh crore) comes from other sources, not just from banking. 

SBI is making good profits and has a low price, meaning it could be a good deal. It also pays dividends and gives good returns to its investors. But the bank is losing money in its main business and is making a lot from other income sources. It also has big risks because of its huge liabilities. If you own SBI shares, keep them, but if you don’t, wait before buying. 

Indian Oil Corporation
Indian Oil Corporation Stock Analysis: 52-Week Low and It Remains a Quality Stock

Business and Industry Overview: 

Indian Oil Corporation Limited is the leading oil and gas-producing PSU in India. The company is under the ownership of the government of India and the Ministry of Petroleum & Natural Gas. It is the largest in terms of both capacity and revenue, with a refining capacity of 80.55 MMTPA. IOCL offers a diverse range of products that include oil, gas, petrochemicals, and alternative energy sources. It has over 37500 fuel stations across the country. The company is well-known for its advanced technologies and innovative research and development in the petrochemical industry. It was ranked 116th on Fortune’s 2022 Global 500 list of the world’s largest corporations. It has maintained its leadership in the ‘BW Top 500’ for the third consecutive year and has been recognized as the most respected oil and gas company by Business World. The company aims at achieving net zero emissions by 2046. It is pioneering green initiatives, including Hydrogen Mobility, hydrogen Transportation, Biofuels, Electric Mobility, Solar Cooktop,s and Minimising Water footprints, which are central to our strategic vision for a cleaner energy future. 

With India targeting to achieve a $5 trillion economy by 2025–26, there is a huge surge in the petrochemical industry to fulfil the demand of the growing economy. Petrochemicals would fuel various industries that will contribute to the growth of the economy, such as agriculture, automotive, packaging, construction, manufacturing, and many more. Hence, this industry cannot be ignored, and the petrochemical demand is expected to reach $1 trillion by 2040. Recently, the Government of India has taken various initiatives, including 100% FDI through automatic routes, establishing Petroleum, Chemicals, and Petrochemicals Investment Regions (PCPIRs). It is also setting up infrastructure like 10-plus plastic parks which are to be executed between 2020 and 2035. IOC being one of the leading petrochemical producer companies in India, has a 42% market share in petroleum Oil and lubricants with over 60,900 touch points. It owns 11 refineries across India. It also has its subsidiary functioning across India like IndianOil (Mauritius) Limited,  Lanka IOCPLC  in Sri Lanka, 10C Middle East FZE , 10C Sweden AB , IOCL (USA) Inc. are few of them.  

Latest Stock News: 

ADNOC Gas (Abu Dhabi National Oil Company), a natural gas producer based in Abu Dhabi, UAE, has signed a long-term sales and purchase agreement (SPA) with Indian Oil Corporation Ltd. to supply liquefied natural gas (LNG) for 14 years. This agreement is valued between $7 billion and $9 billion and will commence in 2026, providing IndianOil with up to 1.2 million metric tonnes of LNG annually. The agreement supports India’s objective of increasing the share of gas in its energy mix to 15% by 2030 and demonstrates ADNOC Gas’s commitment to lower-carbon energy solutions. The LNG will be sourced from ADNOC Gas’s Das Island facility, which has a production capacity of 6 million metric tonnes per year and a proven track record of reliability. 

This deal is part of ADNOC Gas’s strategy to secure long-term contracts in growing Asian markets, diversifying sources beyond traditional suppliers like Qatar and Russia, and thereby strengthening India’s energy security. Additionally, the agreement reinforces India’s strategic partnership with the UAE, a key supplier of crude oil, and opens up opportunities for further investments in refining, petrochemicals, and renewable energy. 

Indian Oil Corporation is trading -0.64% lower at Rs 116.50 as compared to its last closing price. Indian Oil Corporation has been trading in the price range of 117.55 & 114.35. Indian Oil Corporation has given -14.05% in this year & -6.28% in the last 5 days. Indian Oil Corporation has TTM P/E ratio 17.67 as compared to the sector P/E of 8.97.  

Potentials: 

The Indian government is actively working to increase the share of natural gas in the country’s energy mix from 6% to 15% by 2030 as part of its clean energy transition. Aligning with this vision, Indian Oil Corporation (IOCL) has signed a 14-year sales and purchase agreement with ADNOC Gas to import liquefied natural gas (LNG), ensuring a stable and long-term supply to meet rising domestic demand. From a valuation perspective, IOCL’s stock is currently trading at 0.90 times its book value, indicating it is relatively undervalued compared to its intrinsic worth. The company also offers an attractive dividend yield of 10.2%, making it appealing to income-focused investors. Over the past five years, IOCL has demonstrated strong profit growth, delivering a CAGR of 19.1%, reflecting its operational efficiency and strategic expansion. Additionally, the company has maintained a healthy dividend payout ratio of 42.6%, ensuring consistent returns for its shareholders while balancing reinvestment in growth initiatives. 

Analyst Insights: 

On Monday, Indian Oil Corporation announced a 76.57% decline in its consolidated net profit, totalling Rs 2,115 crore for the third quarter (Q3) of the financial year 2024-25 (FY25), down from Rs 9,029.56 crore for the same period last year. The significant decrease in profits was attributed to diminished refining margins and increased expenses during the quarter. The Consolidated operational revenue saw a slight dip of 5% to Rs 2,15,522 crore, compared to Rs 2,26,892 crore reported in the same quarter a year earlier. 

Expenses remained largely unchanged at Rs 2.19 trillion, up slightly from Rs 2.17 trillion. However, compared to the previous quarter, expenses increased by 8.4% from Rs 2.02 trillion. The market capitalization of Indian Oil is ₹ 1,64,654 Cr, with a stock P/E of 17.0 and ROCE of 21.1%. 

With the volatility in the oil and gas industry, the investors should hold the security for now and keep an eye on the changing market as there is a drop in the profit margin and since this industry is cyclical. The P/E ratio is 17 compared to the industry which is 18.95 and the ROCE is 21.1 which means that the comapy can generate good return on the capital employed.