ये Fundamental Ratio समझो, Smart Investment 🔍
Stock Market में सिर्फ price movement देखना या tips पर invest करना beginners के लिए risky हो सकता है। Fundamental ratios सीखकर आप strong aur smart stocks identify कर सकते हैं और portfolio safe रख सकते हैं।
इस post में हम discuss करेंगे important financial ratios और उनके practical use, जो beginners के लिए easy और effective हैं।
1. Price to Earnings Ratio (P/E Ratio) 📊
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Definition: Share price ÷ Earnings per share (EPS)
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High P/E → Market expect करता है high growth
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Low P/E → Stock undervalued या slow growth
Tip: Compare करें industry peers के साथ → Relative valuation समझें
Practical Use:
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P/E 10–20 generally safe, high-growth stocks 25–50 consider करें
2. Debt to Equity Ratio (D/E Ratio) ⚡
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Definition: Total debt ÷ Shareholder equity
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Low D/E → Financially stable, risk low
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High D/E → High leverage, financial stress risk
Tip: Beginners को low-moderate D/E वाले stocks prefer करना चाहिए
Practical Use:
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D/E <1 → Generally safe
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Sector dependent → Capital intensive sectors में high D/E acceptable
3. Return on Equity (ROE) 💹
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Definition: Net profit ÷ Shareholder equity ×100
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High ROE → Company efficiently profit generate कर रही
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Low ROE → Weak management या operational inefficiency
Tip: ROE >15% good benchmark, compare with peers
4. Current Ratio 🔍
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Definition: Current assets ÷ Current liabilities
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1 → Company short-term obligations meet कर सकती
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<1 → Liquidity issue, risk higher
Tip: Beginners को current ratio >1.5 वाले stocks prefer करें → Smart investment
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| ये Fundamental Ratio समझो, Smart Investment 🔍 |
5. Dividend Yield 💰
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Definition: Annual dividend ÷ Share price ×100
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High yield → Consistent income + lower risk
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Low/no dividend → Growth focused, check fundamentals
Tip: Dividend yield + payout ratio check करें → Sustainability समझें
How to Use These Ratios Effectively
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P/E Ratio: Valuation check, over/underpriced stocks identify
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D/E Ratio: Financial stability check
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ROE: Management efficiency evaluate
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Current Ratio: Liquidity & short-term safety check
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Dividend Yield: Income + sustainable growth
Tip: Combine ratios → Strong fundamentals + smart investment
FAQs – Fundamental Ratios
Q1: P/E ratio alone investment decision के लिए enough है क्या?
A: नहीं, अन्य ratios + sector aur trend भी analyze करें।
Q2: High debt stock कभी invest करें?
A: Only अगर growth aur profitability strong हो aur sector capital-intensive हो।
Q3: ROE और P/E ratio कैसे combine करें?
A: High ROE + reasonable P/E → High-quality growth stock।
Q4: Dividend yield क्यों important है?
A: Passive income + compounding effect → long-term wealth build।
Q5: Current ratio <1 होने पर investment safe है?
A: Nahi, liquidity issue risk high → avoid beginners ke liye।
Conclusion
Smart investment के लिए fundamental ratios:
✅ P/E Ratio → Valuation aur growth check
✅ D/E Ratio → Financial stability evaluate
✅ ROE → Management efficiency measure
✅ Current Ratio → Short-term safety check
✅ Dividend Yield → Income aur sustainability
इन ratios को समझकर beginners strong aur high-quality stocks identify कर सकते हैं और disciplined investment strategy adopt कर सकते हैं।
