21 October 2013
Update | Sector: Consumer
Marico
BSE Sensex
20,883
S&P CNX
6,189
CMP: INR217
TP: INR240
Buy
Copra prices spike 20% in a month; short term margins at risk
Empirical evidence belies volume/market share concerns
Copra prices rose by 20% in the last one month. We analysed past instances of
such spike in copra prices and implications for Marico’s (MRCO) margins,
volume growth and market share. Following are our observations:
Copra constitutes ~40% of MRCO’s RM cost and hence is the single most
important RM in its basket.
Sensitivity of gross margins to copra prices is particularly high when
movement in copra prices is swift. Theoretically, every 10% rise in copra
prices impacts gross margins by ~200bp, unless neutralized by price hikes.
Analysis of copra prices v/s MRCO’s consolidated gross margins suggests a
direct correlation between the two. Company’s gross margins have
contracted with a lag, post an episode of sharp spike in copra prices.
During 2QFY10-1QFY12, when copra prices more than doubled, gross
margins and EBITDA margins contracted ~1,000bp and ~180bp respectively.
Similarly, when copra prices corrected ~40% between 1QFY12-2QFY13,
gross and EBITDA margins expanded ~900bp and 75bp, respectively.
MRCO enjoys strong pricing power in
Parachute,
with leadership position in
the segment. We expect the company to implement price hikes, albeit
judiciously, given the weak volume growth environment in consumer
staples. This will be in contrast to FY11-12 when MRCO hiked prices in
Parachute
portfolio by ~30% in 12 months, to pass on copra price inflation.
Volume growth in
Parachute
did not come off during that period, bearing
testimony to its superior brand equity in the segment.
Also, periods of high inflation in copra prices have typically resulted in
lowering of pricing premium of
Parachute
v/s regional/unbranded players,
resulting in shift towards branded segments. As expected, MRCO gained
market shares during such times.
Other RM such as safflower, kardi and rice bran oil are up ~2%, down 17%
and down 11% resp. v/s FY13 average. Packaging items like liquid paraffin
and HDPE are up 4% and 9%. However, on a QoQ basis, every RM is up.
We estimate 70bp EBITDA margin expansion in FY14E to 14.1%. MRCO has
posted 200bp margin expansion to 16.5% in 1QFY14. Our margin expansion
estimate is largely premised on ~300bp operating margin improvement in
international business, driven by better scale and operating leverage in the
Middle East.
Valuation and view:
Multiple growth driver model, with leadership position in
its core categories underline our positive view on MRCO. Successful integration
of Paras business provides additional catalyst in the medium term, with
expected 25% growth in the portfolio. We have a
Buy
rating on MRCO, with a
target price of INR240. Any weakness in the stock based on concerns over copra
prices will provide a buying opportunity, in our view.
Stock Info
Bloomberg
Equity Shares (m)
52-Week Range (INR)
1, 6, 12 Rel. Per (%)
M.Cap. (INR b)
M.Cap. (USD b)
MRCO IN
644.9
251/191
-6/-8/-6
139.7
2.3
Financial Snapshot (INR b)
Y/E March
2013 2014E 2015E
Sales
EBITDA
Adj. PAT
Adj. EPS (INR)
EPS Gr. (%)
BV/Sh.(INR)
RoE (%)
RoCE (%)
P/E (x)
P/BV (x)
45.8
6.1
3.9
6.0
15.6
30.5
19.6
28.8
36.2
7.1
51.9
7.3
4.8
7.5
24.4
37.1
20.1
30.0
29.1
5.9
60.3
8.6
5.5
8.6
14.9
44.7
19.2
29.9
25.3
4.9
Shareholding pattern %
As on
Sep-13 Jun-13 Sep-12
Promoter
Foreign
Others
59.7
31.3
6.6
59.7
1.8
31.7
6.9
59.8
3.3
30.1
6.8
Domestic Inst 2.5
Stock Performance (1-year)
Gautam Duggad
(Gautam.Duggad@MotilalOswal.com); +91 22 3982 5404
Investors are advised to refer through disclosures made at the end of the Research Report.

Marico
Copra prices spike: 200bp gross margin impact for every 10%
increase in copra prices
Copra prices have moved up 20% in one month
As per our sensitivity analysis, for every 10% rise in Copra prices, gross margins are
impacted by 200bp,
ceterus paribus.
Copra prices have spiked ~20% in a month
Indexed prices of copra
Source: Company, MOSL
Source: Company, MOSL
Gross margin sensitivity to copra prices
Gross margins
RM
Copra (40% of RM)
10% increase in Copra price
Margin impact in BPS
52
48
19
1.9
192
Source: Company, MOSL
Other input components too witness QoQ inflation
Average annual prices
Year
FY07
FY08
FY09
FY10
FY11
FY12
FY13
1Q14
2Q14
Cochin CN
5,033
4,982
6,000
4,831
6,945
8,469
6,274
6,391
7,411
Copra
3,329
3,259
4,083
3,302
4,751
5,709
4,251
4,493
5,299
Safflower oil
487
621
590
469
598
691
743
735
776
Kardi Oil Rice Bran oil
517
392
672
473
909
462
729
339
724
403
924
540
1,334
579
1,149
488
1,070
545
Liquid Paraffin
HDPE
43
76
39
77
57
81
35
70
47
74
65
78
64
93
62
98
71
106
Source: Company, MOSL
21 October 2013
2

Marico
Margin implications: Impacts with a lag
But ad spend lever used to mitigate adverse impact
Theoretically, every 10% rise in copra prices impacts gross margin by ~200bp,
unless neutralized by price hikes.
Analysis of copra prices v/s MRCO’s consolidated gross margins suggests direct
correlation between the two.
Company’s gross margins have contracted with a lag post an episode of sharp
spike in copra prices.
However, impact on EBITDA margins was relatively sober due to utilization of ad
spend lever.
Gross Margins are impacted with a lag
Source: Company, MOSL
EBITDA margin fall/expansion was not as sharp as ad spends were adjusted
Source: Company, MOSL
21 October 2013
3

Marico
Copra prices, margins correlation high
If copra prices inflation is sizeable, short term margin impact is material
During 2QFY10-1QFY12, when copra prices more than doubled, gross and
EBITDA margins contracted ~1,000bp and ~180bp.
Similarly, when copra prices corrected ~40% between 1QFY12-2QFY13, gross
and EBITDA margins expanded ~900bp and 75bp, respectively.
Sensitivity of gross margin to copra prices is particularly high when movement in
copra prices is swift.
Clearly, swift and sizable inflation in copra prices cannot be neutralized despite
unmatched brand equity and necessary pricing power.
Margins came off sharply when copra prices doubled in FY11
Gross margins
56.1
52.7
49.5
3,287
3,163
3,220
3,538
52.7
49.0
3,428
50.2
3,972
5,214
47.3
47.0
42.8
Copra prices
6,388
6,727
Source: Company, MOSL
Margin performance during previous copra prices spike
Period
1QFY08-2QFY09
2QFY10-1QFY12
1QFY12-2QFY13
2QFY13-2QFY14
Rise in copra prices (%) Change in gross margins (bp) Change in EBITDA margin (bp)
38
113
-39%
29%
-203
-984
865
??
-186
-175
76
??
Source: Company, MOSL
21 October 2013
4

Marico
Pricing power rests with MRCO
30% price hike in Parachute in FY12 did not impede volume growth
Volume growth in
Parachute
did not come off during FY11-12, when prices were
hiked by ~30% to pass on copra inflation, thus bearing testimony to its superior
brand equity in the segment.
Given the absence of relevant competition within the coconut oil segment, price
hikes need not necessarily impact company’s volumes.
Interestingly, volume growth has come off during the stable pricing regime in
the last five to six quarters.
This indicates a) pricing alone does not determine volume growth in a segment
where incumbent enjoys monopoly share and b) impact of macro slowdown in
consumption is understated for commodity categories like coconut oil.
30% price hike in Parachute over 12 months in FY11/12
20ml
140
100ml
250ml
500ml
200ml
120
100
80
1QFY11
2QFY11
3QFY11
4QFY11
1QFY12
Source: Company, MOSL
Price hike of 30% in 12 months did not impact Parachute’s volume growth
20ml
150
135
120
105
90
100ml
250ml
500ml
200ml
Parachute vol growth
20
15
10
5
0
Source: Company, MOSL
21 October 2013
5

Marico
MRCO gained market share during RM inflation
Has pricing power to pass on copra price increases
Company has not taken any pricing action in the
Parachute
portfolio since last
18 months, as copra prices were benign. Prices across
Parachute
SKUs have
remained stable or corrected marginally.
MRCO took price cuts in select SKUs to drive volume growth, given its oft stated
preference for gaining volume franchise v/s margin expansion.
Thus, it gained market shares consistently across copra price cycles.
We believe the company has sufficient pricing power to pass on copra inflation.
However, mismatch in the timing of price hikes and consumption of RM will
place our near term margin assumptions at risk.
Parachute prices remained stable in last 18 months
Rising copra prices aided shift towards branded segment
Source: Company, MOSL
Source: Company, MOSL
Valuation and view
Spike in copra prices poses a threat to company’s short term margins, given the
subdued staples consumption backdrop and thus the reluctance to pass on the
entire RM inflation impact.
Our long term view remains unchanged. Multiple growth driver model, with
leadership position in its core categories underline our positive view on MRCO.
Successful integration of Paras business provides additional catalyst in the
medium term, with expected 25% growth in the portfolio.
We have a Buy rating on MRCO, with a target price of INR240. Any weakness in
the stock based on concerns over copra prices will provide a buying opportunity,
in our view.
21 October 2013
6

Marico
Financials and valuation
Income statement
Y/E March
Net Sales
Change (%)
EBITDA
EBITDA Margin (%)
Depreciation
EBIT
Interest
Other Income
Extraordinary items
PBT
Tax
Tax Rate (%)
Reported PAT
Adjusted PAT
Change (%)
Min. Int. & Assoc. Share
Adj Cons PAT
2010
26,608
11.4
3,751
14.1
601
3,151
257
183
0
3,076
643
20.9
2,433
2,335
23.7
19
2,452
2011
31,283
17.6
4,098
13.1
708
3,390
393
279
0
3,275
850
25.9
2,425
2,915
24.8
50
2,476
2012
39,682
26.8
4,672
11.8
725
3,947
424
440
0
3,964
783
19.7
3,181
3,164
8.5
50
3,231
2013
45,843
15.5
6,016
13.1
866
5,150
540
468
0
5,078
1,245
24.5
3,833
3,949
24.8
79
3,912
(INR Million)
2014E
51,949
13.3
7,337
14.1
975
6,362
576
644
0
6,429
1,549
24.1
4,880
4,880
23.6
76
4,956
2015E
60,334
16.1
8,621
14.3
1,092
7,528
520
780
0
7,789
2,181
28.0
5,608
5,608
14.9
88
5,695
Balance sheet
Y/E March
Share Capital
Reserves
Net Worth
Debt
Deferred Tax
Total Capital Employed
Gross Fixed Assets
Less: Acc Depreciation
Net Fixed Assets
Capital WIP
Investments
Current Assets
Inventory
Debtors
Cash & Bank
Loans & Adv, Others
Curr Liabs & Provns
Curr. Liabilities
Provisions
Net Current Assets
Total Assets
2010
609
5,930
6,540
4,459
-616
10,382
4,495
-2,424
2,070
1,129
827
8,970
4,448
1,507
1,115
1,900
4,136
3,369
768
4,833
10,507
2011
614
8,540
9,155
7,718
-301
16,572
6,177
-3,366
2,812
648
890
12,203
6,011
1,880
2,131
2,181
5,175
4,098
1,077
7,028
16,791
2012
614
10,790
11,404
7,657
-223
18,838
7,177
-4,085
3,092
1,234
2,956
12,699
7,202
1,816
1,686
1,995
6,776
5,570
1,206
5,923
18,503
2013
644
19,024
19,668
6,207
-214
25,660
8,477
-4,944
3,534
1,500
1,916
13,630
8,107
2,131
1,265
2,127
7,543
6,625
917
6,087
25,660
(INR Million)
2014E
2015E
644
644
23,225
28,143
23,869
28,787
5,944
6,330
-190
-154
29,623
34,963
9,777
11,077
-5,919
-7,011
3,859
4,066
1,500
1,500
4,886
9,841
15,380
17,058
8,572
9,955
2,390
2,775
2,158
1,919
2,261
2,409
8,529
9,935
7,457
8,630
1,072
1,304
6,851
7,123
29,623
34,963
E: MOSL Estimates
21 October 2013
7

Marico
Financials and valuation
Ratios
Y/E March
Basic (INR)
EPS
Cash EPS
Book Value
DPS
Payout (incl. Div. Tax.)
Valuation(x)
P/E
Cash P/E
Price / Book Value
EV/Sales
EV/EBITDA
Dividend Yield (%)
Profitability Ratios (%)
RoE
RoCE
Turnover Ratios (%)
Asset Turnover (x)
Debtors (No. of Days)
Inventory (No. of Days)
Creditors (No. of Days)
Leverage Ratios (%)
Net Debt/Equity (x)
2010
3.8
5.0
10.7
0.7
19.0
2011
4.7
5.2
14.9
0.7
19.0
2012
5.1
6.4
18.6
0.7
14.6
2013
6.1
7.4
30.5
0.8
12.9
35.3
29.2
7.1
3.0
22.6
0.3
43.9
35.0
2.9
20.7
61.0
0.0
0.7
30.9
25.2
2.3
21.9
70.1
0.0
0.8
30.9
22.3
2.2
16.7
66.2
0.0
0.7
24.7
23.1
2.1
17.0
64.5
0.0
0.3
2014E
7.6
9.2
37.1
0.8
11.4
28.6
23.5
5.8
2.6
18.4
0.4
22.4
23.0
1.9
16.8
60.2
0.0
0.2
2015E
8.7
10.5
44.7
0.8
10.6
24.9
20.6
4.8
2.2
15.7
0.4
21.3
23.3
1.9
16.8
60.2
0.0
0.2
Cash flow statement
Y/E March
OP/(Loss) before Tax
Depreciation
Others
Interest
Direct Taxes Paid
(Inc)/Dec in Wkg Cap
CF from Op. Activity
(Inc)/Dec in FA & CWIP
(Pur)/Sale of Invt
Others
CF from Inv. Activity
Inc/(Dec) in Net Worth
Inc / (Dec) in Debt
Interest Paid
Divd Paid (incl Tax)
CF from Fin. Activity
Inc/(Dec) in Cash
Add: Opening Balance
Closing Balance
2010
4,352
0
0
-74
613
-1,066
3,824
-1,275
-706
0
-1,981
0
716
0
-470
-1,030
813
902
1,715
2011
4,806
0
0
-114
534
-1,178
4,047
-1,842
-63
0
-1,905
0
3,260
0
-472
-418
1,724
1,115
2,839
2012
5,454
0
0
17
783
659
6,913
-1,491
-2,067
0
-3,558
0
-61
0
-503
-3,075
280
2,131
2,411
2013
6,991
0
0
-72
1,245
-584
7,579
-8,871
1,041
0
-7,830
0
-1,451
0
-565
696
446
1,686
2,131
(INR Million)
2014E
2015E
8,312
9,713
0
0
0
0
68
260
1,482
2,103
129
-511
9,991
11,565
-1,205
-1,205
-2,970
-4,955
0
0
-4,175
-6,159
0
0
-263
387
0
0
-603
-603
-3,947
-4,552
1,868
854
1,265
2,158
3,133
3,011
E: MOSL Estimates
21 October 2013
8

Marico
NOTES
21 October 2013
9

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Marico
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MARICO
No
Yes
No
No
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21 October 2013
10