ANANDRATHIAnand Rathi Wealth Limited Forensic Risk Analysis

Financial Products Distributor
Risk ClassWatch
Market Cap₹26,567 Cr
Primary DriverEarnings Quality
Flagium AI Risk Score
Early signs of stress detected. Not yet widespread, but initial deterioration is visible.
20 / 100
0 QoQ
Stable
Sentinel Insight

Financial profile remains stable for now. Pressure has stabilized in profitability and earnings quality. This suggests the risk profile is currently stabilizing. No major change in risk trend.

0.0th %ile (Sector)Accel: +0 Qtrs
Updated2026-06-02
Market View
₹3,539.3▲1.05%
PeriodQ4 FY26

Score Waterfall
Absolute contribution points of each forensic pillar to the final risk score. Derived from: Sector Baseline + Active Penalties - Mitigation Buffers.

Earnings Quality
+20.3 pts
Final Composite Risk20 / 100

Investment Risk Thesis

Historical Trend

Current risk score has risen from 16 → 20 over 13 quarters.

Expected Direction
⚠ Watch
Primary Deterioration Drivers
  • NIM Compression
What to Watch Next Quarter
  • Operating profit margins

Active Risk Objects (1)

CriticalHigh
NIM Compression
📊 Earnings QualityQuarterlyActive for 9 Qtrs
More Detail
Impact Weight10/15
MomentumPersistent
Last SignalQ4 FY2026
ANANDRATHI: NIM compressed by 521 bps YoY (to 85.62%).

"Early signs of margin compression detected. Core interest income is being squeezed."

Risk Trajectory
Historical 12-quarter risk trend (Q-11 to Q0) followed by a 2-quarter predictive funnel (Q+1, Q+2).
Loading Chart
Resilience Matrix
Diagnostic benchmarking comparing structural sensitivity and risk buffers against sector medians.
MetricValuevs SectorSignal
Volatility (σ)4.676.81✅ RESILIENT
Sensitivity (ε_s)11.00✅ RESILIENT
Escalation Prob.5%5%✅ NEUTRAL
Safety Buffer+46.0+46.0✅ RESILIENT
Forensic Benchmark Context: Financial Products Distributor (n=2 peers)

Correlation Analysis
Visualizing the relationship between stock price movement and structural risk objects.

Loading Chart
Share Price
Risk Score (0-100)
Market Performance
₹3,539.3(+1.05%)
1M Divergence-0.81%
1 Week-1.34%
1 Month-1.54%
6 Months+20.86%
1 Year+80.51%
2 Year+70.75%
3 Year+738.34%
Sector Average (1M)-0.73%
Sentinel Forensic Assessment
ALGORITHMIC RISK PROFILE • NON-ADVISORY

The risk profile is Early Signals and currently consolidating. Recent structural triggers in earnings quality suggest a building pressure on the underlying framework. Material forensic traces are visible in operational margins and profitability metrics, indicating a progressive erosion of structural stability. Continued monitoring is necessary as risk levels remain above institutional safety parameters.

ANANDRATHI • MARKET STRUCTURE

Stage 2 — Advancing

The company is in a growth phase. Institutional sentiment is highly positive, supported by strong fundamentals and sustained risk reduction.

Stage Transition Prob.96%
Trend QualityStrong
Phase Progression
Phase Progression Score75%
Readiness LabelHigh (Phase Transition Imminent)
Probability of Advancing96%
CoinTree Momentum
Composite Z-Score+0.2475σ
Improving momentum strength
Universe Rank
A cross-sectional rank of this stock's composite momentum score compared to all other tracked equities in the universe. A rank of #1 of 1035 means it has the strongest overall price momentum in the market.
#655 of 2716
Top 24.12% in momentum strength
Timeframe Sparklines
1W-1.3%
1M-1.5%
6M+20.9%
Weinstein Indicators
150 DMA₹3,164.83
200 DMA₹3,095.07
150 DMA Slope+2.6577%Rising
Relative Strength+27.06%Leading
Relative Turnover (RTR)1.4311
ParticipationHealthy

PEER COMPARISON

Ranked comparison against sector peers

Risk profile is broadly in line with the Sector Mean (20).
ANANDRATHIAnand Rathi Wealth Limited
20 Risk
Sector %ile0th
Delta0
Active Flags1
Accel+0
Earnings Quality

Watch

PRUDENTPrudent Corporate Advisory Services Limited
20 Risk
Sector %ile0th
Delta-5
Active Flags13
Accel+0
Earnings Quality

Watch

* Peer comparison is based on risk signals, not valuation or returns.

Risk Profiles

Solvency
10100th %ile
VS Sector Median (8.5)
Governance
10100th %ile
VS Sector Median (8.5)
Earnings Quality
1.919th %ile
VS Sector Median (8.5)
Growth Sustainability
10100th %ile
VS Sector Median (8.5)

Deterioration Timeline

2026

NIM Compression

2026

NIM Compression

2026

NIM Compression

2025

NIM Compression

2025

NIM Compression

2025

NIM Compression

2024

NIM Compression

2024

NIM Compression

2024

NIM Compression

Key Financials (INR Cr)

PeriodRevenueNet ProfitOCFDebt
FY20261,25339728117
FY202598130124422
FY20247522262788
FY20235581698437