India Finsec Ltd
Incorporated in 1994, IFL Housing Finance Ltd is in the business of providing loans and investments[1]
- Market Cap ₹ 254 Cr.
- Current Price ₹ 102
- High / Low ₹ 112 / 26.1
- Stock P/E
- Book Value ₹ 17.8
- Dividend Yield 0.00 %
- ROCE 0.56 %
- ROE 0.29 %
- Face Value ₹ 10.0
Pros
- Company has reduced debt.
- Company is almost debt free.
Cons
- Stock is trading at 5.70 times its book value
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of -35.0% over past five years.
- Company has a low return on equity of 0.13% over last 3 years.
- Contingent liabilities of Rs.184 Cr.
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: Finance Industry: Finance & Investments
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
4.97 | 4.83 | 6.81 | 3.26 | 7.24 | 9.12 | 5.85 | 3.77 | 2.92 | 0.91 | 0.86 | 0.68 | 0.51 | |
4.79 | 4.45 | 6.68 | 3.11 | 5.48 | 6.66 | 4.16 | 3.22 | 3.99 | 0.60 | 0.47 | 0.41 | 0.61 | |
Operating Profit | 0.18 | 0.38 | 0.13 | 0.15 | 1.76 | 2.46 | 1.69 | 0.55 | -1.07 | 0.31 | 0.39 | 0.27 | -0.10 |
OPM % | 3.62% | 7.87% | 1.91% | 4.60% | 24.31% | 26.97% | 28.89% | 14.59% | -36.64% | 34.07% | 45.35% | 39.71% | -19.61% |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.04 | 0.00 | 0.02 | 0.01 | 0.00 | 0.00 | 0.00 | |
Interest | 0.04 | 0.17 | 0.04 | 0.01 | 0.91 | 0.02 | 0.03 | 0.08 | 0.28 | 0.27 | 0.35 | 0.11 | 0.15 |
Depreciation | 0.04 | 0.07 | 0.07 | 0.10 | 0.05 | 0.04 | 0.05 | 0.05 | 0.15 | 0.02 | 0.01 | 0.01 | 0.00 |
Profit before tax | 0.10 | 0.14 | 0.02 | 0.04 | 0.80 | 2.40 | 1.65 | 0.42 | -1.48 | 0.03 | 0.03 | 0.15 | -0.25 |
Tax % | 30.00% | 28.57% | 50.00% | 50.00% | 30.00% | 29.58% | 25.45% | 23.81% | -0.68% | -33.33% | 33.33% | 13.33% | |
0.07 | 0.10 | 0.02 | 0.02 | 0.56 | 1.70 | 1.23 | 0.33 | -1.49 | 0.03 | 0.01 | 0.13 | -0.22 | |
EPS in Rs | 0.07 | 0.01 | 0.01 | 0.22 | 0.68 | 0.49 | 0.13 | -0.60 | 0.01 | 0.00 | 0.05 | -0.09 | |
Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Compounded Sales Growth | |
---|---|
10 Years: | -18% |
5 Years: | -35% |
3 Years: | -38% |
TTM: | -14% |
Compounded Profit Growth | |
---|---|
10 Years: | 3% |
5 Years: | -36% |
3 Years: | 28% |
TTM: | -650% |
Stock Price CAGR | |
---|---|
10 Years: | 26% |
5 Years: | 40% |
3 Years: | 88% |
1 Year: | 236% |
Return on Equity | |
---|---|
10 Years: | 1% |
5 Years: | 0% |
3 Years: | 0% |
Last Year: | 0% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Sep 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 1.92 | 13.44 | 19.44 | 24.94 | 24.94 | 24.94 | 24.94 | 24.94 | 24.94 | 24.94 | 24.94 | 24.94 | 24.94 |
Reserves | 35.56 | 15.38 | 15.40 | 16.30 | 16.69 | 18.49 | 19.73 | 20.86 | 19.24 | 19.56 | 19.58 | 19.71 | 19.54 |
0.11 | 1.64 | 0.06 | 0.02 | 0.32 | 0.01 | 0.00 | 2.60 | 0.94 | 4.69 | 2.25 | 0.90 | 0.94 | |
0.08 | 0.25 | 0.10 | 0.15 | 0.23 | 0.14 | 0.15 | 0.22 | 0.31 | 0.07 | 0.08 | 0.08 | 0.02 | |
Total Liabilities | 37.67 | 30.71 | 35.00 | 41.41 | 42.18 | 43.58 | 44.82 | 48.62 | 45.43 | 49.26 | 46.85 | 45.63 | 45.44 |
0.17 | 0.14 | 2.84 | 0.11 | 0.10 | 0.06 | 0.14 | 0.09 | 0.31 | 0.05 | 0.03 | 0.03 | 0.03 | |
CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Investments | 0.00 | 0.00 | 0.00 | 0.00 | 1.42 | 11.92 | 18.62 | 40.25 | 40.28 | 39.72 | 39.72 | 42.77 | 42.77 |
37.50 | 30.57 | 32.16 | 41.30 | 40.66 | 31.60 | 26.06 | 8.28 | 4.84 | 9.49 | 7.10 | 2.83 | 2.64 | |
Total Assets | 37.67 | 30.71 | 35.00 | 41.41 | 42.18 | 43.58 | 44.82 | 48.62 | 45.43 | 49.26 | 46.85 | 45.63 | 45.44 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-9.55 | 0.02 | -3.03 | -7.82 | -0.22 | 10.40 | 7.76 | 18.39 | 1.92 | -4.25 | 3.67 | 3.94 | |
0.27 | -0.11 | -2.74 | 2.68 | -1.38 | -10.50 | -6.83 | -21.84 | -0.21 | 0.74 | 0.00 | -2.66 | |
8.66 | -0.03 | 5.98 | 6.37 | 0.29 | -0.01 | 0.00 | 2.52 | -1.66 | 3.48 | -3.15 | -1.47 | |
Net Cash Flow | -0.62 | -0.12 | 0.21 | 1.23 | -1.31 | -0.11 | 0.93 | -0.92 | 0.05 | -0.03 | 0.53 | -0.19 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Debtor Days | 0.00 | 12.09 | 35.37 | 17.91 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 156.43 | 46.69 | 0.00 |
Inventory Days | 47.61 | 88.51 | 59.52 | 291.01 | 114.74 | 207.50 | 145.22 | 758.71 | 85.81 | |||
Days Payable | 0.00 | 2.98 | 1.82 | 12.33 | 0.00 | 0.00 | 0.00 | 4.10 | 1.28 | |||
Cash Conversion Cycle | 47.61 | 97.62 | 93.07 | 296.60 | 114.74 | 207.50 | 145.22 | 754.61 | 84.53 | 156.43 | 46.69 | 0.00 |
Working Capital Days | 2,734.20 | 2,284.46 | 1,703.33 | 4,449.42 | 2,036.24 | 178.50 | 473.56 | 273.99 | 311.25 | 1,187.25 | 1,179.88 | 1,121.84 |
ROCE % | 0.42% | 0.91% | 0.18% | 0.13% | 4.11% | 5.67% | 3.81% | 1.07% | -2.61% | 0.64% | 0.79% | 0.56% |
Documents
Announcements
- Board Meeting Intimation for Approving Financial Results For The Quarter And Year Ended 31.03.2024 1d
- Appointment Of Secretarial Auditor Of The Company 4 May
- Intimation For Issuance Of Corporate Guarantee 4 May
- Compliance Cerificate Under Regulation 7(3) 26 Apr
- Format of the Initial Disclosure to be made by an entity identified as a Large Corporate : Annexure A 26 Apr
Annual reports
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Registration:[1]
Company is registered with RBI as Non Systematically Important Non Deposit taking NBFC - Loan and Investment company