Williamson Magor & Co. Limited — financial distress indicators
Financial-health summary
Williamson Magor & Co. Limited's reported numbers place it in the 'Weak' financial-health band (distress score 51/100). The main indicators are negative book equity, consecutive annual losses and revenue drop. In its favour: operating cash flow is positive over the latest 12 months.
Stress by dimension
Share price — last 12 months
Indicators behind the score
Each red flag shows the evidence from the company’s own filings and the financial or legal principle behind it. Points add to the 0–100 score.
Equity is zero or negative.
A financial institution with no equity cushion is technically insolvent; regulators intervene before this point.
Net loss in each of the last two years.
Sustained losses at a lender usually mean credit losses are outrunning provisions — a risk-management failure.
Revenue changed -46% YoY.
Shrinking net revenue (interest margin, fees, premiums) weakens the capacity to absorb losses.
Revenue vs net income
Cash generation
Debt vs cash vs equity
✅ Mitigating factors
- Operating cash flow is positive over the latest 12 months.
- High insider/promoter ownership (69%) aligns management with survival.
📰 Recent news scan
- Williamson Magor AGM 2026 Voting Results NSE:WILLAMAGOR - Kalkine IndiaGoogle News · 2026-09-29
- WILLAMAGOR Q2 FY2026 Earnings: Revenue Falls 46% YoY to ₹15.39 Million; Posts Loss of ₹1.15 per Share - https://www.siam.in/Google News · 2026-09-09
- Williamson (WILLAMAGOR.NS) Latest: Moves 0.60% Up to ₹25.00 in the Current Update; Levels: the Current Price Sits Inside the Supplied Technical Range - Elliott Wave Count - siam.inGoogle News · 2026-08-21
- Williamson (WILLAMAGOR.NS) Q2 2026 Earnings: The Company Reports Its Latest Available Figures for This Review; Trading Response: The Stock Ends Up 1.35% in the Latest Reading - EPS Surprise History - https://www.siam.in/Google News · 2026-08-20
⚖️ Indian legal pathway — NBFC / housing-finance insolvency
- NBFCs and HFCs with assets of ₹500 crore or more can be taken to the NCLT only on an application by the RBI (IBC §227 read with the FSP Insolvency Rules, 2019) — e.g. DHFL (2019), SREI (2021), Reliance Capital (2021).
- The RBI usually supersedes the board and appoints an administrator first; RBI's PCA framework for NBFCs adds early restrictions.
- Warning signs: asset-liability mismatch, reliance on short-term commercial paper, rising stage-3 assets and rating downgrades.
Frequently asked questions
What do Williamson Magor & Co. Limited's financial-health indicators show?
As of 2026-10-09, Williamson Magor & Co. Limited's public financial data places it in the 'Weak' band with a distress score of 51/100, driven by negative book equity, consecutive annual losses and revenue drop. This is a statistical screen of reported numbers — it does not mean the company is insolvent, has defaulted or will enter insolvency proceedings.
What is Williamson Magor & Co. Limited's financial distress score?
51/100 ('Weak').
What works in Williamson Magor & Co. Limited's favour?
Operating cash flow is positive over the latest 12 months. High insider/promoter ownership (69%) aligns management with survival.
How are shareholders treated if a company enters insolvency?
Under the IBC the Committee of Creditors controls the resolution; the §53 waterfall pays secured creditors and workers first and equity last. In most resolution plans existing shareholders are wiped out or left with a token stake, and the company may be delisted.
Other Bank & Finance companies with distress indicators
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- Capital Trust Limited (CAPTRUST)Weak 50/100
- TCI Finance Limited (TCIFINANCE)Watch 47/100
- TruCap Finance Limited (TRU)Watch 46/100
- DCM Financial Services Limited (DCMFINSERV)Watch 43/100
- Centrum Capital Limited (CENTRUM)Watch 36/100
Methodology
Score = capped sum of rule-based red flags across seven dimensions (liquidity, solvency, profitability, cash flow, sales trend, market signal, news). Ohlson O-score (1980) gives an accounting-based 1-year failure probability; Merton distance-to-default (Bharath & Shumway 2008) gives a market-implied probability. Financial institutions use a capital-based rule set. Recalculated every trading day from the latest filings, prices and news.