Digant Haria

India story - Calm inside, storm outside 1) Internal variables are improving 2) External variables deteriorated, but can soon stabilize 3) Navigating the risks & opportunities in such situation greenedgewealth.com/India-story-Ca…

@EquityValueIn Thanks! Its a matter of time that markets appreciating what they have built

Northern Arc capital, very good views put out by Digant , greenedgewealth.com/Northern-Arc-S… Only one thing , the market is grossly undervaluing the tech capabilities of northern arc , the stack they have built with the time series data analysis of underpenetrated borrowers at such large scale , these are not something that shows up in P&L and B/s today but the benefits for sustainability of business will be strong @DigantHaria

@Suju30 Very interesting, thanks

Made an infographic on your article. @DigantHaria

@friedbombayduck I think markets will start looking at this risk adjusted returns in a few quarters from now

@DigantHaria Thank you Sir for explaining this! They did talk about sticking to the strategy of earning risk adjusted returns in the concall. Your article made it much clearer.

Northern Arc - Good performance not rewarded? While this is story of many smallcaps, Northern Arc warrants a deeper look 1) Analysis of Q3FY26 results 2) Re-cap of the long term thesis greenedgewealth.com/Northern-Arc-S…

@megatronus07 Capital Goods can be the thesis for 2026, lets see

@DigantHaria @DigantHaria what is the next sector you are studying, been a while since you came up with new one. I enjoy your deep analysis. TQ.

@piyushm85 Hopefully, the stealth bear market is over, and markets will do deeper analysis of earnings

@DigantHaria so so many stocks like this. seeing good numbers, stock doesnt move. its really is a stealth bear mkt

@Sharad9Dubey Most likely, it is because most people see provisioning numbers in isolation

@DigantHaria Was very sold mild earnings..surprised on the reaction

@chakuchuri Seems like. Public market investors haven't had much exposure to Fintech lending. But with time, they will become comfortable

@DigantHaria Is it possible market is not able to price it correctly due to complexity of business?

@Faiaayan It's published today. If you goto the main website page, you will see the date as 3rd Feb 2026

@DigantHaria When it s the article published I meant there is no date mentioned Great write up sir. I invested because of you in NA after your video with ishmohit.

@piyushchhabra_1 Resolved. You may try again. Thank you

@DigantHaria Link is not working sir

@karnchoudhary7 Thanks for pointing out. Trying to resolve the website issue

@DigantHaria Sir, Link is not working.

Tata Capital IPO Price band = 310 to 326 per share. At 326, it will trade at 3.2x on P/B (post money), which is ~5% discount to HDBs valuation. Tata Cap is also "jack of all & master of none" NBFC. Not much to gain for IPO investors and 55% loss for unlisted mkt investors.

Where is the NBFC upcycle? 1) Housing Finance 2) Vehicle Finance 3) Gold Finance 4) Micro Finance 5) Consumer Finance A deep-dive into 5 sub-segments and 45 NBFCs youtube.com/watch?v=iLNQMo…

Where is the NBFC upcycle? 1) Housing Finance 2) Vehicle Finance 3) Gold Finance 4) Micro Finance 5) Consumer Finance A deep-dive into 5 sub-segments and 45 NBFCs youtube.com/watch?v=2M_ztx…

@futurefor2030 The concall discussions have changed from asset quality to growth! First sign of times to come

@DigantHaria Yes Sir .... walking the talk 🙏🙏

JM Financial Q1 - Walking the talk Focused business 1) Strong traction in capital markets 2) Expansion in wealth mgmt 3) Scale-up in private credit 4) Stake sale in HFC at ~3.2x book Old business 1) NPA pain over, recovery started Interesting times ahead. Read our past notes.

@Nigel__DSouza My pleasure :)

@DigantHaria Thanks for joining in Digant Always enjoy your thoughts 🙏

Discussion on NBFCs GreenEdge Wealth on CNBC TV18's new show "Finding Alpha" with @Nigel__DSouza Discussion on housing fin, CV fin, gold fin, consumer fin, micro lending. Below is the link to the whole conversation youtu.be/MNlcYv7kUX8?si…

@8116296048884ce Price to book (fair) = Long term earnings growth * Long term RoE Its a thumb rule, but one needs understand the business to predict the long term growth & RoE

@DigantHaria Sir, you had shared in one of the livestream formula for price to book for banking. Wherein ROE is multiplied by some growth factor. Was it net profitability, if yes. Can you tell lookback period to consider like 3,5,10 years? Thanks