Intec Capital Ltd

₹ 15.6 -0.83%

03 Jun - close price

About

Incorporated in 1994, Intec Capital Ltd is in the business of providing financial services.^[1]

Key Points

Business Overview:^[1]^[2]
ICL is registered as a Non-systemically important Non-deposit accepting Non-banking finance company, categorized as an Asset Finance Company. It is also operating in small & medium enterprises, equipment financing.

Website BSE

Market Cap ₹ 28.6 Cr.
Current Price ₹ 15.6
High / Low ₹ 18.8 / 8.67
Stock P/E 4.15
Book Value ₹ 22.6
Dividend Yield 0.00 %
ROCE 18.4 %
ROE 18.2 %
Face Value ₹ 10.0

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Pros

Company has reduced debt.
Stock is trading at 0.69 times its book value

Cons

Though the company is reporting repeated profits, it is not paying out dividend
Company has a low return on equity of 1.34% over last 3 years.
Contingent liabilities of Rs.400 Cr.
Promoter holding has decreased over last 3 years: -3.51%

* 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

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	4.22	1.03	1.09	0.63	0.99	0.01	0.14	0.41	3.01	6.22	0.82	1.94	2.72
Interest	0.02	0.03	0.02	0.04	0.13	0.14	0.17	0.20	0.65	0.72	1.10	0.91	0.17
	18.07	7.56	1.86	1.41	1.24	1.05	0.67	0.63	-0.70	1.51	-0.12	1.16	-3.84
Financing Profit	-13.87	-6.56	-0.79	-0.82	-0.38	-1.18	-0.70	-0.42	3.06	3.99	-0.16	-0.13	6.39
Financing Margin %	-328.67%	-636.89%	-72.48%	-130.16%	-38.38%	-11,800.00%	-500.00%	-102.44%	101.66%	64.15%	-19.51%	-6.70%	234.93%
	1.60	0.04	0.03	0.03	0.06	0.03	0.02	0.02	0.81	0.02	0.01	0.27	0.11
Depreciation	0.14	0.13	0.12	0.11	0.14	0.10	0.11	0.10	0.18	0.09	0.09	0.09	0.07
Profit before tax	-12.41	-6.65	-0.88	-0.90	-0.46	-1.25	-0.79	-0.50	3.69	3.92	-0.24	0.05	6.43
Tax %	73.41%	-20.60%	2.27%	8.89%	-426.09%	5.60%	15.19%	32.00%	15.99%	24.23%	150.00%	880.00%	23.48%
	-21.52	-5.28	-0.89	-0.98	1.50	-1.32	-0.91	-0.65	3.10	2.97	-0.60	-0.39	4.92
EPS in Rs	-11.72	-2.87	-0.48	-0.53	0.82	-0.72	-0.50	-0.35	1.69	1.62	-0.33	-0.21	2.68
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	130.87	130.25	97.19	54.46	39.57	14.86	6.39	9.73	6.89	3.76	4.36	11.70
Interest	71.77	67.89	54.60	34.32	20.23	7.85	0.20	0.13	0.15	0.23	1.16	2.91
	50.15	53.00	40.76	59.09	24.63	56.01	-10.94	13.31	27.31	12.05	1.65	-1.29
Financing Profit	8.95	9.36	1.83	-38.95	-5.29	-49.00	17.13	-3.71	-20.57	-8.52	1.55	10.08
Financing Margin %	6.84%	7.19%	1.88%	-71.52%	-13.37%	-329.74%	268.08%	-38.13%	-298.55%	-226.60%	35.55%	86.15%
	0.71	0.47	0.24	5.77	2.36	1.34	9.22	6.69	1.61	0.13	0.09	0.41
Depreciation	1.06	0.91	0.70	0.65	0.57	0.73	0.70	0.56	0.56	0.49	0.48	0.35
Profit before tax	8.60	8.92	1.37	-33.83	-3.50	-48.39	25.65	2.42	-19.52	-8.88	1.16	10.14
Tax %	37.44%	39.46%	74.45%	-10.05%	168.86%	-22.75%	30.64%	6.20%	44.26%	-36.37%	81.03%	32.05%
	5.38	5.40	0.35	-30.43	-9.41	-37.39	17.79	2.27	-28.15	-5.65	0.22	6.90
EPS in Rs	2.93	2.94	0.19	-16.57	-5.12	-20.36	9.69	1.24	-15.33	-3.08	0.12	3.76
Dividend Payout %	17.07%	8.50%	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:	-21%
5 Years:	13%
3 Years:	19%
TTM:	168%

Compounded Profit Growth
10 Years:	2%
5 Years:	-10%
3 Years:	31%
TTM:	3036%

Stock Price CAGR
10 Years:	-13%
5 Years:	3%
3 Years:	-6%
1 Year:	-3%

Return on Equity
10 Years:	-12%
5 Years:	-13%
3 Years:	1%
Last Year:	18%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	18.37	18.37	18.37	18.37	18.37	18.37	18.37	18.37	18.37	18.37	18.37	18.37
Reserves	140.54	145.94	145.73	118.43	67.12	29.68	47.50	49.70	21.57	15.94	16.14	23.06
Borrowing	519.25	501.88	343.81	202.17	108.84	85.71	72.61	58.21	54.01	55.63	41.49	24.51
	80.06	59.01	52.66	120.12	7.84	5.08	3.36	3.57	3.20	5.24	5.71	3.01
Total Liabilities	758.22	725.20	560.57	459.09	202.17	138.84	141.84	129.85	97.15	95.18	81.71	68.95
	11.99	11.24	10.55	14.02	13.65	14.09	13.97	13.68	13.16	12.87	12.54	12.02
CWIP	0.77	0.77	0.77	0.07	0.05	0.05	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.09	0.09	0.09	0.09	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07
	745.37	713.10	549.16	444.91	188.40	124.63	127.80	116.10	83.92	82.24	69.10	56.86
Total Assets	758.22	725.20	560.57	459.09	202.17	138.84	141.84	129.85	97.15	95.18	81.71	68.95

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-6.93	-13.76	158.47	139.95	102.99	31.69	6.56	9.54	1.53	2.70	9.81	23.72
	-1.38	-0.28	-0.05	-0.32	11.27	0.14	-1.04	-0.24	-0.19	0.13	1.12	0.00
	25.69	-18.48	-158.62	-141.64	-112.55	-32.16	-4.95	-8.09	-4.24	1.21	-15.41	-20.84
Net Cash Flow	17.39	-32.51	-0.20	-2.02	1.70	-0.32	0.57	1.22	-2.90	4.04	-4.48	2.88
Free Cash Flow	-8.77	-14.04	158.42	139.63	102.61	31.41	6.42	9.46	1.24	2.73	9.81	23.72
CFO/OP	4%	-9%	289%	-3,079%	689%	-77%	38%	-266%	-8%	-33%	362%	182%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	3.43%	3.34%	0.20%	-20.21%	-8.40%	-55.98%	20.52%	-6.27%	-52.12%	-15.22%	0.64%	18.17%

Insights

In beta

Mar 2014

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Assets Under Management (AUM) / Gross Loan Assets
Rs. Lakhs ・Standalone data

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Gross NPA Percentage
% ・Standalone data

Number of Employees
Count ・Standalone data

Annual Loan Disbursements
Rs. Lakhs ・Standalone data

Number of Branches
Count ・Standalone data

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Apr 2026
	74.51%	74.12%	73.55%	72.97%	72.68%	71.76%	71.09%	71.09%	71.04%	71.04%	71.04%	71.04%
	25.49%	25.88%	26.46%	27.03%	27.32%	28.24%	28.91%	28.90%	28.95%	28.96%	28.95%	28.95%
No. of Shareholders	1,302	1,353	1,452	1,845	1,819	1,970	1,918	1,914	1,970	1,973	1,983	2,178

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Apr 2026
	74.65%	74.65%	74.65%	74.65%	74.65%	74.65%	74.57%	73.55%	71.09%	71.04%	71.04%
	25.35%	25.35%	25.35%	25.35%	25.35%	25.35%	25.43%	26.46%	28.91%	28.95%	28.95%
No. of Shareholders	1,358	1,084	1,066	1,054	1,090	1,296	1,296	1,452	1,918	1,983	2,178

Intec Capital Ltd

Intec Capital Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

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