Reference

Glossary

Plain-language definitions of the terms you will meet while researching Indian equities. Search, or jump in by letter.

Annual report

A company's official yearly account of its financials, strategy, risks and management commentary. The most reliable primary source on a company.

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Assets

What a company owns - cash, inventory, property, equipment and receivables.

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Balance sheet

A snapshot of a company's financial position: assets, liabilities and shareholders' equity at a point in time.

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Benchmark

A standard index (like the Nifty 50) used to compare a stock or fund's performance against.

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Bonus issue

Free additional shares given to existing shareholders in proportion to their holding. It changes share count but not total value.

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Book value

The net value of a company's assets minus liabilities, i.e. shareholders' equity. Used in the P/B ratio.

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Broker

An intermediary licensed to execute buy and sell orders on an exchange on your behalf.

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BSE

The Bombay Stock Exchange, Asia's oldest, founded in 1875. Home of the Sensex index.

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Buyback

When a company buys and cancels its own shares, increasing the ownership stake of remaining shareholders.

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Capital gains

The profit from selling an asset for more than you paid. Taxed differently for short-term and long-term holdings in India.

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Capex

Capital expenditure - money a company spends on long-term assets like plants, equipment and infrastructure.

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Cash flow

The actual money moving into and out of a business, from operations, investing and financing.

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CDSL

Central Depository Services - one of India's two depositories that hold shares electronically in demat accounts.

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Concall

An earnings call where management discusses quarterly results and answers investor questions.

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Corporate action

An event that changes a company's shares or payments - dividends, splits, bonuses, rights issues, buybacks.

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Debt/equity

A leverage ratio comparing a company's debt to its shareholders' equity. High values mean heavy borrowing.

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Demat account

An electronic account where your shares are held in dematerialised form, managed by a depository.

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Depository

An institution (NSDL or CDSL) that holds securities electronically for investors.

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Dividend

A cash payment to shareholders from a company's profits. Never guaranteed.

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Dividend yield

Annual dividend per share divided by the share price, expressed as a percentage. A measure of income return.

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Due diligence

Systematic research and verification of a company's business, financials, governance and valuation before investing.

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EBITDA

Earnings before interest, taxes, depreciation and amortisation - a measure of operating profitability.

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Enterprise value

A company's total value: market cap plus debt minus cash. Used in EV/EBITDA.

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EPS

Earnings per share - net profit divided by the number of shares. Shows profit attributable to each share.

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Equity

Shareholders' stake in a company - assets minus liabilities. Also used to mean stocks.

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EV/EBITDA

A valuation ratio comparing a company's total value (including debt) to its operating earnings. Useful for capital-intensive firms.

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Exchange

A marketplace where buyers and sellers trade securities, such as the NSE and BSE.

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FII

Foreign institutional investor - overseas funds that invest in Indian markets.

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Free cash flow

Operating cash flow minus capital spending. The cash available to grow the business or return to shareholders.

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Governance

How a company is run and controlled - its board, management and treatment of shareholders.

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Index

A basket of stocks that tracks a segment of the market, such as the Nifty 50 or Sensex.

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Institutional investor

A large professional investor such as a mutual fund, insurance company or pension fund.

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IPO

Initial public offering - a company's first sale of shares to the public on an exchange.

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Large cap

A large, established company, generally among the top 100 by market cap. Usually more stable and liquid.

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Leverage

The use of borrowed money to fund a business. High leverage amplifies both gains and losses.

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Liabilities

What a company owes - loans, payables and other obligations.

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Limit order

An order to buy or sell at a specified price or better. It may not fill if the price is never reached.

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Liquidity

How easily a stock can be bought or sold without moving its price. Large-caps are more liquid.

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Listing

When a company's shares begin trading on an exchange, often after an IPO.

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Long-term

In Indian tax terms, holding a listed share for over a year. Long-term gains are generally taxed at a lower rate.

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Management

The executives who run a company day to day. Their quality and honesty matter to investors.

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Margin

The share of sales that becomes profit at a given stage - gross, operating or net margin.

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Market cap

Market capitalisation - share price multiplied by total shares. Sizes a company into large, mid or small cap.

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Market order

An order to buy or sell immediately at the best available price. Fast but price not guaranteed.

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Mid cap

A company in the tier between large and small caps, generally more volatile than large-caps.

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Mutual fund

A pooled investment managed by professionals that holds many stocks, offering instant diversification.

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Net margin

Net profit divided by revenue - the share of sales left after all costs and taxes.

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Net profit

The bottom line - revenue minus all costs, expenses and taxes. Money available to reinvest or pay out.

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Nifty 50

The NSE's flagship index of the 50 largest listed companies.

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NSE

The National Stock Exchange, India's largest by trading volume. Home of the Nifty 50.

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NSDL

National Securities Depository - one of India's two depositories holding shares electronically.

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Operating cash flow

Cash generated from the core business operations, before investing and financing.

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Operating margin

Operating profit (EBITDA) divided by revenue - profitability before interest and tax.

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Order types

The different ways to place a trade, chiefly market and limit orders.

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P/B ratio

Price-to-book - share price divided by book value per share. Useful for asset-heavy businesses like banks.

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P/E ratio

Price-to-earnings - share price divided by earnings per share. Shows how much you pay per rupee of profit.

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PEG ratio

P/E divided by expected earnings growth. A PEG near or below 1 can suggest growth is reasonably priced.

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Pledging

When promoters borrow money against their shares. Heavy pledging is a governance red flag.

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Portfolio

The collection of investments you hold.

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Promoter

The founders or controlling shareholders of a company.

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Prospectus

The official document for an IPO describing the business, financials and risks. Read it before subscribing.

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Related-party

Transactions between a company and its promoters or connected entities. Complex or excessive ones are a red flag.

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Revenue

The total money a company earns from selling goods or services - the top line.

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Rights issue

An offer to existing shareholders to buy new shares, often at a discount, to raise capital.

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Risk

The chance of losing money on an investment.

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ROCE

Return on capital employed - profit relative to all capital used (debt and equity). Shows capital efficiency.

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ROE

Return on equity - net profit divided by shareholders' equity. Shows how well the company rewards owners' money.

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Sensex

The BSE's flagship index of 30 large, well-established companies.

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Share

A unit of ownership in a company.

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Shareholder

A person or entity that owns shares, i.e. a part-owner of a company.

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Shareholding pattern

The official breakdown of who owns a company - promoters, institutions and the public.

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Short-term

In Indian tax terms, holding a listed share for under a year. Short-term gains are generally taxed at a higher rate.

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Small cap

A smaller company, generally more volatile and riskier than large or mid-caps.

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Stock

Another word for a share - a unit of ownership in a company.

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Stock split

Increasing the number of shares by dividing each into more, lowering the price without changing total value.

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Stop-loss

An order that triggers a sale when a price is reached, to limit losses. Not a substitute for understanding the stock.

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Supply and demand

The forces that set prices: more buyers push prices up, more sellers push them down.

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Taxation

The rules governing how investment income and gains are taxed in India.

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Technical analysis

Studying price charts and patterns to predict moves. A tool, not a guarantee.

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Total return

The combined return from price change and dividends over a period.

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Trading account

The account you use to place buy and sell orders through a broker.

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Valuation

Assessing what a company or stock is worth, using ratios like P/E, P/B and EV/EBITDA.

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Volatility

How much a price swings over time. High volatility means larger, more frequent moves.

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