LOYT—53

Loyal Textile Mills Ltd

Textiles & Leather GoodsVerified

Score breakdown

Profitability+9Sentiment+30Risk penalty-3Missing signals-3

Quality breakdown

Key fields100Profile38Conclusion97AI synthesis20Observations3

Loyal Textile Mills Ltd operates with a capital structure that includes a debt-to-equity ratio of 1.54, indicating a significant reliance on debt financing [doc:HA-latest]. The company's liquidity position is weak, as evidenced by a current ratio of 0.83 and negative cash and equivalents of INR -1000 [doc:HA-latest]. Despite a negative net income of INR -512.43 million, the company generated positive operating cash flow of INR 1.48 billion, suggesting operational resilience amid financial losses [doc:HA-latest]. Profitability metrics show a return on equity of -19.05% and a return on assets of -6.09%, both significantly below the industry median for Textiles & Leather Goods, which typically reports positive returns in stable market conditions [doc:HA-latest]. The company's operating income of INR -443.64 million and net loss of INR -512.43 million highlight a challenging operating environment, with gross profit of INR 1.15 billion insufficient to cover operating expenses [doc:HA-latest]. Geographically, the company's revenue is distributed across Europe, Asia, America, and other regions, with no disclosed concentration in any single market [doc:HA-latest]. The company's product portfolio includes yarn, fabrics, garments, and PPE, with no disclosed segment-specific revenue breakdown [doc:HA-latest]. This diversification may help mitigate regional demand fluctuations but lacks transparency in contribution analysis. The company's revenue growth trajectory is uncertain, with no disclosed year-over-year growth or forward-looking guidance in the provided data [doc:HA-latest]. The negative net income and operating loss suggest a contraction in profitability, though the positive operating cash flow indicates some operational efficiency [doc:HA-latest]. Risk factors include a medium liquidity risk due to negative cash and equivalents and a debt-to-equity ratio of 1.54, which could constrain financial flexibility [doc:HA-latest]. The risk assessment also flags a key financial flag: net cash is negative after subtracting total debt, indicating a potential liquidity crunch [doc:HA-latest]. Dilution risk is assessed as low, with no recent or disclosed dilutive events [doc:HA-latest]. Recent events include no disclosed filings or transcripts in the provided data [doc:HA-latest]. The company's financial snapshot does not include any recent material events or disclosures that would impact valuation or risk assessment [doc:HA-latest].

Profile

CompanyLoyal Textile Mills Ltd

TickerLOYT.NS

SectorConsumer Cyclicals

BusinessCyclical Consumer Products

Industry groupCyclical Consumer Products

IndustryTextiles & Leather Goods

AI analysis

Business. (unavailable from LLM output)

Classification. (unavailable from LLM output)

Key takeaways

Loyal Textile Mills Ltd is operating at a net loss despite positive operating cash flow, indicating a disconnect between cash generation and profitability.
The company's debt-to-equity ratio of 1.54 suggests a high reliance on debt, which could increase financial risk in a rising interest rate environment.
The negative return on equity and return on assets indicates poor capital efficiency and asset utilization.
The company's liquidity position is weak, with a current ratio of 0.83 and negative cash and equivalents.
There is no disclosed segment or geographic revenue concentration, which may limit the ability to assess risk exposure.
The company's growth trajectory is unclear, with no disclosed revenue growth or forward-looking guidance.
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**RATIONALES**:

Financial snapshot

PeriodHA-latest

CurrencyINR

Revenue$6.82B

Gross profit$1.15B

Operating income-$443.6M

Net income-$512.4M

R&D—

SG&A—

D&A—

SBC—

Operating cash flow$1.48B

CapEx-$6.8M

Free cash flow-$173.3M

Total assets$8.42B

Total liabilities$5.73B

Total equity$2.69B

Cash & equivalents-$1.0k

Long-term debt$4.13B

Annual history (last 5)

PeriodRevenueOp IncomeNet IncomeFCF

FY0$6.82B-$443.6M-$512.4M-$173.3M

FY-1$9.39B-$803.1M-$395.0M-$225.9M

FY-2$14.03B-$62.6M$28.4M-$452.4M

FY-3$17.67B$1.58B$970.5M$1.07B

FY-4$11.22B$649.6M$328.4M$641.7M

PeriodGross %Op %Net %FCF %

FY0————

FY-1————

FY-2————

FY-3————

FY-4————

PeriodAssetsEquityCashDebt

FY0$8.42B$2.69B-$1.0k—

FY-1$11.18B$3.21B$1.0k—

FY-2$12.95B$3.60B——

FY-3$12.86B$3.62B——

FY-4$10.00B$2.68B——

PeriodOCFCapExFCFSBC

FY0$1.48B-$6.8M-$173.3M—

FY-1$1.06B-$207.3M-$225.9M—

FY-2$657.2M-$797.8M-$452.4M—

FY-3$1.09B-$237.8M$1.07B—

FY-4$1.01B-$116.8M$641.7M—

Quarterly history (last 4)

PeriodRevenueOp IncomeNet IncomeFCF

FQ0$1.05B-$33.3M-$121.9M—

FQ-1$1.07B-$132.9M-$113.5M—

FQ-2$1.35B-$226.0M-$170.1M—

FQ-3$1.46B$521.7M$393.4M—

FQ-4$1.55B-$214.8M-$261.9M—

FQ-5$1.85B-$530.2M-$507.3M—

FQ-6$1.96B-$167.1M-$136.6M—

FQ-7$2.01B-$304.0M-$133.8M-$54.7M

PeriodGross %Op %Net %FCF %

FQ0————

FQ-1————

FQ-2————

FQ-3————

FQ-4————

FQ-5————

FQ-6————

FQ-7————

PeriodAssetsEquityCashDebt

FQ0————

FQ-1$7.08B$2.41B$259.0M—

FQ-2————

FQ-3$8.42B$2.69B$43.0M—

FQ-4————

FQ-5$8.77B$2.56B$100.4M—

FQ-6————

FQ-7$11.18B$3.21B$169.4M—

PeriodOCFCapExFCFSBC

FQ0————

FQ-1$682.1M-$13.4M——

FQ-2————

FQ-3$1.48B-$6.8M——

FQ-4————

FQ-5$1.56B———

FQ-6————

FQ-7$1.06B-$207.3M-$54.7M—

Valuation

Market price—

Market cap—

Enterprise value—

P/E—

Reported non-GAAP P/E—

EV/Revenue—

EV/Op income—

EV/OCF—

P/B—

P/Tangible book—

Tangible book$2.69B

Net cash-$4.13B

Current ratio0.8

Debt/Equity1.5

ROA-6.1%

ROE-19.1%

Cash conversion-2.9%

CapEx/Revenue-0.1%

SBC/Revenue—

Asset intensity—

Dilution ratio0.0%

Risk assessment

Dilution riskLow

Liquidity riskMedium

Net cash is negative after subtracting total debt.

Industry benchmarks

Activity: Textiles & Leather Goods · cohort 272 companies

MetricLOYTActivity

Op margin-6.5%4.3% medp25 -0.2% · p75 8.6%bottom quartile

Net margin-7.5%2.3% medp25 -0.6% · p75 6.5%bottom quartile

Gross margin16.9%17.4% medp25 10.3% · p75 28.8%below median

CapEx / revenue-0.1%-2.9% medp25 -6.0% · p75 -1.1%top quartile

Debt / equity154.0%46.3% medp25 8.9% · p75 99.0%top quartile

Source data

Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.

Company fundamentalsperiod FQ-7 · history via verified-market-data

no public URL

2026-05-05 02:34 UTC#66c27895

Source: analysis-pipeline (hybrid)Generated: 2026-05-05 02:36 UTCJob: 4e97ad54