India Finsec Ltd
₹ 170
-5.19%
30 Oct
- close price
About
Incorporated in 1994, India FinSec Ltd is in the business of loans and investments[1]
Key Points
- Market Cap ₹ 496 Cr.
- Current Price ₹ 170
- High / Low ₹ 210 / 125
- Stock P/E
- Book Value ₹ 26.9
- Dividend Yield 0.00 %
- ROCE 0.24 %
- ROE 0.00 %
- Face Value ₹ 10.0
Pros
- Company has reduced debt.
- Company is almost debt free.
- Company's working capital requirements have reduced from 957 days to 131 days
Cons
- Stock is trading at 6.32 times its book value
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of -23.2% over past five years.
- Company has a low return on equity of 0.10% over last 3 years.
- Promoters have pledged or encumbered 71.2% of their holding.
* 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.
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Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 6.81 | 3.26 | 7.24 | 9.12 | 5.85 | 3.77 | 2.92 | 0.91 | 0.86 | 0.68 | 0.41 | 0.78 | 0.11 | |
| 6.68 | 3.11 | 5.48 | 6.66 | 4.16 | 3.22 | 3.99 | 0.60 | 0.47 | 0.41 | 0.31 | 0.62 | 0.50 | |
| Operating Profit | 0.13 | 0.15 | 1.76 | 2.46 | 1.69 | 0.55 | -1.07 | 0.31 | 0.39 | 0.27 | 0.10 | 0.16 | -0.39 |
| OPM % | 1.91% | 4.60% | 24.31% | 26.97% | 28.89% | 14.59% | -36.64% | 34.07% | 45.35% | 39.71% | 24.39% | 20.51% | -354.55% |
| 0.00 | 0.00 | 0.00 | 0.00 | 0.04 | 0.00 | 0.02 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Interest | 0.04 | 0.01 | 0.91 | 0.02 | 0.03 | 0.08 | 0.28 | 0.27 | 0.35 | 0.11 | 0.07 | 0.09 | 0.02 |
| Depreciation | 0.07 | 0.10 | 0.05 | 0.04 | 0.05 | 0.05 | 0.15 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 |
| Profit before tax | 0.02 | 0.04 | 0.80 | 2.40 | 1.65 | 0.42 | -1.48 | 0.03 | 0.03 | 0.15 | 0.02 | 0.06 | -0.41 |
| Tax % | 50.00% | 50.00% | 30.00% | 29.58% | 25.45% | 23.81% | 0.68% | -33.33% | 33.33% | 13.33% | 0.00% | 100.00% | |
| 0.02 | 0.02 | 0.56 | 1.70 | 1.23 | 0.33 | -1.49 | 0.03 | 0.01 | 0.13 | 0.02 | 0.00 | -0.36 | |
| EPS in Rs | 0.01 | 0.01 | 0.22 | 0.68 | 0.49 | 0.13 | -0.60 | 0.01 | 0.00 | 0.05 | 0.01 | 0.00 | -0.14 |
| Dividend Payout % | 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: | -13% |
| 5 Years: | -23% |
| 3 Years: | -3% |
| TTM: | -80% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| TTM: | -197% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 36% |
| 5 Years: | 62% |
| 3 Years: | 68% |
| 1 Year: | 13% |
| 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 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 19.44 | 24.94 | 24.94 | 24.94 | 24.94 | 24.94 | 24.94 | 24.94 | 24.94 | 24.94 | 24.94 | 29.19 | 29.19 |
| Reserves | 15.40 | 16.30 | 16.69 | 18.49 | 19.73 | 20.86 | 19.24 | 19.56 | 19.58 | 19.71 | 19.73 | 49.44 | 49.31 |
| 0.06 | 0.02 | 0.32 | 0.01 | 0.00 | 2.60 | 0.94 | 4.69 | 2.25 | 0.78 | 0.78 | 0.00 | 0.00 | |
| 0.10 | 0.15 | 0.23 | 0.14 | 0.15 | 0.22 | 0.31 | 0.07 | 0.08 | 0.21 | 0.26 | 0.07 | 0.04 | |
| Total Liabilities | 35.00 | 41.41 | 42.18 | 43.58 | 44.82 | 48.62 | 45.43 | 49.26 | 46.85 | 45.64 | 45.71 | 78.70 | 78.54 |
| 2.84 | 0.11 | 0.10 | 0.06 | 0.14 | 0.09 | 0.31 | 0.05 | 0.03 | 0.03 | 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 | 1.42 | 11.92 | 18.62 | 40.25 | 40.28 | 39.72 | 39.72 | 42.77 | 42.77 | 77.57 | 77.57 |
| 32.16 | 41.30 | 40.66 | 31.60 | 26.06 | 8.28 | 4.84 | 9.49 | 7.10 | 2.84 | 2.91 | 1.10 | 0.94 | |
| Total Assets | 35.00 | 41.41 | 42.18 | 43.58 | 44.82 | 48.62 | 45.43 | 49.26 | 46.85 | 45.64 | 45.71 | 78.70 | 78.54 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -3.03 | -7.82 | -0.22 | 10.40 | 7.76 | 18.39 | 1.92 | -4.25 | 3.67 | 3.94 | -0.06 | 1.98 | |
| -2.74 | 2.68 | -1.38 | -10.50 | -6.83 | -21.84 | -0.21 | 0.74 | 0.00 | -2.66 | 0.00 | -34.80 | |
| 5.98 | 6.37 | 0.29 | -0.01 | 0.00 | 2.52 | -1.66 | 3.48 | -3.15 | -1.47 | 0.00 | 33.18 | |
| Net Cash Flow | 0.21 | 1.23 | -1.31 | -0.11 | 0.93 | -0.92 | 0.05 | -0.03 | 0.53 | -0.19 | -0.07 | 0.35 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 35.37 | 17.91 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 156.43 | 46.69 | 0.00 | 0.00 | 0.00 |
| Inventory Days | 59.52 | 291.01 | 114.74 | 207.50 | 145.22 | 758.71 | 85.81 | |||||
| Days Payable | 1.82 | 12.33 | 0.00 | 0.00 | 0.00 | 4.10 | 1.28 | |||||
| Cash Conversion Cycle | 93.07 | 296.60 | 114.74 | 207.50 | 145.22 | 754.61 | 84.53 | 156.43 | 46.69 | 0.00 | 0.00 | 0.00 |
| Working Capital Days | 1,703.33 | 4,449.42 | 2,021.11 | 178.50 | 473.56 | 273.99 | 311.25 | 1,187.25 | 1,179.88 | 1,057.43 | 1,682.56 | 131.03 |
| ROCE % | 0.18% | 0.13% | 4.11% | 5.67% | 3.81% | 1.07% | -2.61% | 0.64% | 0.79% | 0.56% | 0.20% | 0.24% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Newspaper Publication
18 Oct - Newspaper publication for the quarter ended 30th September, 2025
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Board Meeting Outcome for Outcome Under Regulation 30 Of SEBI (LODR Regulations, 2015 Read With Para A Of Part A Of Schedule III Of The Said Regulations.
16 Oct - Board approved unaudited standalone and consolidated results for quarter/half-year ended 30 Sep 2025; consolidated H1 PAT Rs1,089.63 lakh.
- Un-Audited Standalone & Consolidated Financial Results Of The Company For The Quarter And Half Year Ended On 30Th September, 2025, 16 Oct
-
Board Meeting Intimation for To Approve The Un-Audited Standalone And Consolidated Financial Results For The Quarter And Half Year Ended 30Th September, 2025.
13 Oct - Board meeting 16 Oct 2025 to approve unaudited Q2/H1 results ended Sep 30, 2025; trading window closed.
-
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
6 Oct - RTA confirms no physical share certificates received for dematerialisation for quarter/half-year ended 30/09/2025.
Annual reports
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Financial Year 2025
from bse
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Financial Year 2024
from bse
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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
from bse
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Financial Year 2013
from bse
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Financial Year 2012
from bse
Business Overview:[1][2]
IFL operates in the loan and investment sector and is registered as a Non-Systematically Important Non-Deposit Taking Non-Banking Financial Company, with a focus on loans and investments.