WEALTHWEALTH Forensic Risk Analysis

Other Financial Services
Risk ClassWatch
Market Cap₹865 Cr
Primary DriverGovernance
Flagium AI Risk Score
Early signs of stress detected. Not yet widespread, but initial deterioration is visible.
20 / 100
-5 QoQ
Improving
Sentinel Insight

Financial profile remains stable for now. Pressure is receding in governance. This suggests the risk profile is currently stabilizing. Risk levels are improving.

40.0th %ile (Sector)Accel: +0 Qtrs
Updated2026-06-02
Market View
₹936.3▼2.13%
PeriodQ4 FY26

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

Stability Adjustment
+20.0 pts
Final Composite Risk20 / 100

Investment Risk Thesis

Historical Trend

Current risk score has risen from 0 → 20 over 12 quarters.

Expected Direction
🟢 Improving
Primary Deterioration Drivers
  • NIM Compression
  • Operating Leverage Stress
What to Watch Next Quarter
  • Operating profit margins
  • Debt growth

Active Risk Objects (2)

CriticalHigh
NIM Compression
📊 Earnings QualityQuarterlyActive for 7 Qtrs
More Detail
Impact Weight10/15
MomentumDecaying
Last SignalQ3 FY2026
WEALTH: NIM compressed by 1645 bps YoY (to 16.18%).

"Pressure on core margins is stabilizing. Monitor for sustained interest income recovery."

Operating Leverage Stress
📊 Earnings QualityAnnualActive for 2 Years
More Detail
Impact Weight10/15
MomentumAccelerating
Last SignalQ3 FY2026
Expenses are consistently growing faster than revenues, creating operational pressure.

"The balance sheet is heavily over-leveraged. Interest payments are consuming most of the profit."

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)4.556.75✅ RESILIENT
Sensitivity (ε_s)11.00✅ RESILIENT
Escalation Prob.5%5%✅ NEUTRAL
Safety Buffer+46.0+46.0✅ RESILIENT
Forensic Benchmark Context: Other Financial Services (n=6 peers)

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

Loading Chart
Share Price
Risk Score (0-100)
Market Performance
₹936.3(-2.13%)
1M Divergence-0.07%
1 Week+3.66%
1 Month-0.79%
6 Months-6.74%
1 Year+9.65%
2 Year+17.2%
3 Year+230%
Sector Average (1M)-0.73%
Sentinel Forensic Assessment
ALGORITHMIC RISK PROFILE • NON-ADVISORY

The risk profile is Early Signals and currently improving. Recent structural triggers in governance suggest a building pressure on the underlying framework. Material forensic traces are visible in structural transparency and audit trails, indicating a progressive erosion of structural stability. Initial structural recovery is visible; monitor for a sustained return to resilience.

WEALTH • MARKET STRUCTURE

Stage 4 — Declining

The company is in a defensive phase. Sentiment and fundamentals are deteriorating under persistent downward pressure, indicating elevated risk levels.

Stage Transition Prob.0%
Trend QualityDeteriorating
Phase Progression
Phase Progression Score7.5%
Readiness LabelLow (Early Base Consolidation)
Probability of Advancing0%
CoinTree Momentum
Composite Z-Score-0.1850σ
Weakening momentum trend
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.
#1382 of 2716
Top 50.88% in momentum strength
Timeframe Sparklines
1W+3.7%
1M-0.8%
6M-6.7%
Weinstein Indicators
150 DMA₹947.13
200 DMA₹1,011.13
150 DMA Slope-3.5185%Declining
Relative Strength-1.25%Neutral
Relative Turnover (RTR)0.9644
ParticipationNeutral

PEER COMPARISON

Ranked comparison against sector peers

Risk profile is broadly in line with the Sector Mean (20).
WEALTHWEALTH
20 Risk
Sector %ile40th
Delta-5
Active Flags2
Accel+0
Governance

Watch

CENTRUMCentrum Capital Limited
21 Risk
Sector %ile80th
Delta+5
Active Flags10
Accel+2
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
10100th %ile
VS Sector Median (8.5)
Growth Sustainability
10100th %ile
VS Sector Median (8.5)

Deterioration Timeline

2026

Operating Leverage Stress

2026

Operating Leverage Stress

Key Financials (INR Cr)

PeriodRevenueNet ProfitOCFDebt
FY2026713875-
FY2025603410-
FY2024674316-
FY20232914200