When I bought in 2019, the thesis was the same.
Low penetration of Life Insurance, a quality group and decent growth. But not much has played out since. Regulatory interventions have pulled it back often and VNB growth has been below expectations. Zero points for performance, 100 for my patience. 
Posts tagged Value Pickr
HDFC Life Insurance Company (26-04-2024)
Sansera Engineering (26-04-2024)
Came across a 7y old video that explains their expertise and history. Do watch it
Making It Big Season 7 Ep#5 Sansera Engineering (youtube.com)
Looks an interesting business.
Revenue has grown from 18 to 800+ cr. b/w FY01 and FY 2016 (27.4% CAGR)
Optionality – A&D : Co has already made significant progress here.
Noting down some quick observations
- Co has come a long way from being a basic part supplier to T-1/cocreator
- There is a lot of emphasis on tech and automation
- Driven by technocrat promoter + professional management
Disclaimer: Not an advice. Invested in family and client accounts.
Setco automotive a bet on booming mcv/hcv mkt (26-04-2024)
Any update on setco?
Laurus Labs – Can Business Transform to Next Level? (26-04-2024)
Just sharing the latest results, investor presentation and concall.
https://www.bseindia.com/xml-data/corpfiling/AttachLive/58a8514d-9069-48e1-afdf-a14d70eb492c.pdf
https://www.bseindia.com/xml-data/corpfiling/AttachLive/4e755946-4a16-48a4-bfb4-4ffc5f5ac6e5.pdf
Laurus Labs Ltd Q4 FY2023-24 Earnings Conference Call
Hope you find it useful.
dr.vikas
Spice Up Your Weight Loss Journey: Exploring Spices That Aid in Shedding Pounds (26-04-2024)
Several spices are believed to have properties that may support weight loss when incorporated into a healthy diet and lifestyle.
Here are a few:
Cayenne Pepper: Contains capsaicin, which may boost metabolism and reduce appetite.
Cinnamon: Helps regulate blood sugar levels, which can curb cravings and keep hunger in check.
Ginger: Aids digestion, reduces inflammation, and may enhance calorie burning.
Turmeric: Contains curcumin, which has been linked to weight loss by reducing inflammation and improving insulin sensitivity.
Black Pepper: Contains piperine, which may enhance metabolism and nutrient absorption.
Mustard Seeds: Rich in antioxidants and may boost metabolism.
Cumin: Helps improve digestion and may aid in weight loss by reducing body fat.
While these spices can complement a weight loss regimen, it’s essential to remember that no spice alone can magically melt away pounds. A balanced diet, regular exercise, and overall healthy lifestyle habits are key for sustainable weight loss. Always consult with a healthcare professional before making significant changes to your diet or exercise routine.
Visit here for the best spices: Unitedspice fruit
Megatherm – Mega Opportunity (26-04-2024)
Hey, @THE_TECHNICAL_ANALYS did you visit the factory? What’s your review?
This seems a fundamentally good company with strong promoters, excellent working capital cycle, and it has strong tailwinds with metal cycle turning. The only concern I’ve with this company is regarding market size and revenue potential.
A few reports suggest that market size is really small, ~$85M in India and the company is already doing revenues worth $35M, is there room for growth? To check the global size, I found out some other major players like Otto Junker (Germany), Ajax Toxco (US), Ningbo (China) and found out that they have revenues in a similar range or less than Megatherm, which means the company is not only a major player in India but around the world.
If the company is already a major player around the globe, and induction furnace market grows at ~6% (src), where are the future revenues going to come from?
On the positive side, I believe 2 things can help this – promoters and metal cycle. Promoters here have deep knowledge of technology and outstanding relationships which should continue to help the company. And due to metal up-cycle, steel players are going to invest in electric furnace rather than traditional blast furnace due to 2 reasons – improved output and lower emissions. Tata Steel UK has announced plans to build £1.25B electric arc furnace in Wales which is huge.
I’d still love to know more about market size and future revenue potential for the company, if anyone can share their learnings. @Mohit_baid do you have some insights on this?
Oracle Financial Services (26-04-2024)
I think there is a huge insider trading happening in this stock ,the stock rallied (almost doubled )few weeks before great quarterly results.
Mrs Bectors Food Specialities: Can it beat the industry? (26-04-2024)
The best place to sell biscuits in India is a bus stand.
Very High demand.
Talked to the guy selling it, said Cremica biscuits sell like crazy here.
Ps- This is from a very small town in Haryana.
HDFC Life Insurance Company (26-04-2024)
I can see a lot of positives here to feel good about the stock 
First, despite regulatory headwinds their performance has been decent. Second, they are outperforming many of their peers on key metrics such as VNB, APE etc. Third, big chunk of insurance market share is with a PSU (LIC) and I would bet on HDFC (or any well run private insurance player) to eat into that. Last, insurance penetration is still quite low in India (I believe among the lowest in G20 countries) and is projected to grow at steady rate.
So essentially for HDFC Life, my bet is not on just an increasingly larger share of current pie but a growing pie itself. I expect 1-2 quarters of further wait before we start seeing encouraging action in stock prices.
Disc- Invested and continue to add on dips
H.G. Infra Engineering Ltd : Paving the Path to Success (26-04-2024)
Incorporated 3 wholly owned subsidiary ( 2 for solar and 1 for Green Hydrogen)