Granthara01.02.05How to read an IPO prospectus0%

Disclosure requirements and prospectus formats change, and every issue is different. Read the current document for the offer in front of you. Nothing here is a view on whether to apply to any IPO.

01.02.05 · How to read an IPO prospectus

The document runs to six hundred pages. It was written by lawyers whose job was to make the company impossible to sue, not easy to read. Eight questions get you most of what is in it.

Six hundred pages. Eight questions.

A company with no track record is asking for your money. The prospectus is the only thing it must tell you the truth in.

Part 01 · Where Shares Are Born and Where They Trade
  1. 01.02.01 IPO, FPO, private placement and QIP
  2. 01.02.02 Fresh issue vs offer for sale in an IPO
  3. 01.02.03 Why buying a share sends the company nothing
  4. 01.02.04 Listing, delisting and suspension
  5. 01.02.05 How to read an IPO prospectus
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First, the business you are buying into

Start with the industry, not the company. Every sector runs on its own economics — a cement maker lives on regional demand, pricing power and who has capacity nearby, and none of that transfers to a software firm. Until you understand the ecosystem, the company's numbers have no context to sit in.

Then ask what could make that industry stop working. Electric vehicles rewrote the ground under engine makers; e-commerce did it to offline retail. A company with a real barrier — a network, a licence, a switching cost — survives that. One without simply gets overtaken while its prospectus is still being printed.

A new company has no long record to check. That is the whole reason this document exists.

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Then the numbers, and what the money is for

Read three years of results and the last six quarters, and look for consistency rather than a spike. One excellent year before an issue is the easiest thing in finance to arrange. Compare the valuation against listed peers; where a company is loss-making, judge it on revenue, order book or operating profit instead of earnings.

Check what the share count does. A large issue spreads profits over more shares, so earnings per share falls even when the business is unchanged — the dilution you met in 01.02.01, with a number attached. Then check debt: a company already carrying a lot of it is fragile, and one spending your money to service it is not investing anything.

Finally, Objects of the Issue — what the fresh money will actually be spent on, item by item. Expansion, plant, or paying down debt can build something. "General corporate purposes" for a large share of the raise means nobody has committed to anything you can hold them to later.

See it

Where the signal actually is

Ordered by how often a section changes a decision, not by how many pages it runs to.

Skip any risk factor that would be true of any company in the country. Read every one with a name, a number or a date in it.

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Last, who is handling it and what is off the books

Look at who is running the issue. Lead managers and investment bankers carry a record, and it is public — a house that has repeatedly brought overpriced issues is telling you something about this one. Look too at how much the promoters keep after listing, and whether early investors are heading for the exit in the same breath as the company asks you to come in.

Then find contingent liabilities. These are obligations that have not become debts yet — a pending tax demand, a guarantee given for a subsidiary, a case that could go either way. They sit in the notes rather than on the balance sheet, and a company can look sound until one of them lands.

The one that catches people

An issue can be well-run, fully disclosed, correctly priced by its bankers and still a poor thing to own. The prospectus is a disclosure document, not an assessment. Nothing in it says whether to apply.

Try it

A prospectus states that most of the fresh issue will go to "general corporate purposes". What have you learnt?

You now know what a share is, what it is worth, where it comes from and where it trades. What you do not yet know is who is on the other side of your order.

Before you read this, which was true?

Remember

A prospectus tells you what is being sold, by whom, on what terms, and what could go wrong. It never tells you whether the price is right.

Everything this chapter has told you, in order

  1. 01.02.01New shares are created in the primary market and paid for in ownership. Everything you do on the exchange screen happens somewhere else entirely.
  2. 01.02.02A fresh issue funds the business and dilutes you. An offer for sale funds the seller and dilutes nobody. The headline size hides which is which.
  3. 01.02.03The company was paid once, at issue. Every trade since is between investors, and the business receives nothing from any of them.
  4. 01.02.04Listing is permission that the company must keep earning. Losing it does not take your shares away — it takes away everyone you could have sold them to.
  5. 01.02.05A prospectus tells you what is being sold, by whom, on what terms, and what could go wrong. It never tells you whether the price is right.
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01.03.01 — Retail, HNI, domestic institutions, foreign institutions

Every order you place is matched against someone. It is worth knowing who they are and what they are trying to do.