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Sahil Sharma Profile picture
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5 Jul, 4 tweets, 1 min read
#Idfc first bank is something else entirely.
They reduced savings account rate to 4% around April 30 & yet the casa money continues to flow! Understandably some of it would have converted to TD (not given in current press release) but while several large banks casa has contracted
Idfc first casa has grown. Even average casa ratio has grown.

Look at hdfc bank casa as an example.
Disc: this is not a buy or sell reco, I am biased and invested
All eyes on gnpa numbers now.

Some medium term pain likely with VI issue and wave 2 retail pain. But long term story is in tact!

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More from @sahil_vi

Sahil Sharma Profile picture
6 Jul
A lot of people ask: how do you find companies to invest in? very good question.

How did you find RACL, Pix?

Creating this ad-hoc thread to share my process.

if you like it, please RT to benefit maximum investors. 🙏
1. screener.in
Imagine what you want in a company, codify it in the form of filters, create a screen. Example below:
"Market Capitalization > 50
AND

Market Capitalization < 3000
AND

((Average return on capital employed 5Years > 25 AND
Price to Earning < 20) OR
(Average return on capital employed 5Years > 15 AND
Price to Earning < 10))
AND
Sales growth 5Years > 10
AND
...
Read 16 tweets
Sahil Sharma Profile picture
2 Jul
Wonderful #racl geartech concall. I loved it. Key takeaways below:
1. RACL is EV ready
In b/w lines: EV require higher precision gears. Very few cos can make. Much higher gross margin.
Already doing tech investment in capex to be EV ready. Investment requirement in tech is much higher for EV gears. EV components will be 3-4% of topline in FY22.
2. Working with ZF on a BLW series 7 car for next year launch. Working on e-scooter or european company
In b/w lines:
1st marks RACL foray into premium luxury passenger vehicle transmission gears. 2nd is 1st time they designed entire drive train or kinematics.
Read 11 tweets
Sahil Sharma Profile picture
1 Jul
On popular demand and @LuckyInvest_AK sir’s guidance, here is the thread to understand the business of #mastek
If you find it useful, please retweet _/\_ so that other investors can also benefit.
@LuckyInvest_AK Before mastek, let us understand the industry it operates in. Broadly speaking, the IT industry is an enabler for all businesses, automating those business tasks for them which are somewhat incidental to the core business. As an example, consider #ITC & their ITC store.
@LuckyInvest_AK ITC has its own ecommerce store from which products are ordered. Building out this IT product: the backend & the app, are incidental to the core business (FMCG brands) of ITC. Some companies choose to build and maintain in-house IT teams. Others, outsource it to IT companies.
Read 55 tweets
Sahil Sharma Profile picture
1 Jul
#SequentScientific 🐶🐱🐦🦒🦒🦅🐓
Q4 results. My key takeaways:
1. Medium term guidance of mid teen growth and no margin expansion.
Reading b/w the lines:
Co is investing heavily in upgrading and upskilling people, processes, creating capacities all with a focus on changing the terminal value of the business. Trading off Short term pain for long term gain: necessary characteristic for both co & investors.
2. Sequent 2.0 vision: Being executed under guidance of advisory board.
In b/w lines:
Co is upgrading itself from a branded generics player to a specialty branded generics player. Think of a Pikachu to Raichu Evolution.
Evolution takes effort, up front investments.
Read 9 tweets
Sahil Sharma Profile picture
30 Jun
Watched this recent interview of @SamitVartak sir with @PMS_AIF_World. Brilliant interview. Always learn so much from Samit sirs public sharing. My key takeaways:
1. When Samit sir was in US, he spent a lot of time advising manufacturing businesses on how to have a good operating structure limit costs and maximize profits. So his edge is business understanding.
My thoughts:
This is one of the key things I've learned from Samit sir and other fellow investors, it is most important to understand the business and focus on compouding that knowledge by incrementally understanding more businesses rather than get bogged down by valuations.
Read 13 tweets
Sahil Sharma Profile picture
29 Jun
Planning to live tweet the #Angel AGM. In case anyone is interested.

Company description in the quoted tweet thread. Image
In 2016, were among the first BFSI to launch digital KYC.
Nse active clients has grown at cagr of 23% between 2014 and 2021.
Read 22 tweets

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