India Finsec Ltd

India Finsec Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

India Finsec Ltd

₹ 189 0.00%
12 Feb - close price
indiafinsec.com BSE: 535667
About

Incorporated in 1994, India FinSec Ltd is in the business of loans and investments[1]

Key Points

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.

Website BSE
  • Market Cap ₹ 552 Cr.
  • Current Price ₹ 189
  • High / Low ₹ 224 / 125
  • Stock P/E
  • Book Value ₹ 26.9
  • Dividend Yield 0.00 %
  • ROCE 0.24 %
  • ROE 0.00 %
  • Face Value ₹ 10.0
Edit ratios

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 7.04 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 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.

Peer comparison

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

Edit Columns
Loading peers table ...

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025
0.09 0.44 0.01 0.01 0.05 0.33 0.08 0.10 0.09 0.00 0.01 0.01 0.01
Interest 0.00 0.09 0.02 0.02 0.02 0.01 0.00 0.06 0.02 0.00 0.00 0.00 0.00
-0.03 0.37 0.07 0.07 0.10 0.06 0.08 0.24 0.29 0.02 0.12 0.07 0.06
Financing Profit 0.12 -0.02 -0.08 -0.08 -0.07 0.26 0.00 -0.20 -0.22 -0.02 -0.11 -0.06 -0.05
Financing Margin % 133.33% -4.55% -800.00% -800.00% -140.00% 78.79% 0.00% -200.00% -244.44% -1,100.00% -600.00% -500.00%
0.00 0.00 0.00 0.00 0.00 0.00 0.51 0.00 0.00 0.00 0.00 0.00 0.00
Depreciation 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
Profit before tax 0.12 -0.02 -0.08 -0.08 -0.07 0.26 0.51 -0.20 -0.22 -0.02 -0.11 -0.06 -0.05
Tax % 25.00% -150.00% -25.00% 25.00% 0.00% 3.85% 33.33% -25.00% -4.55% -50.00% -27.27% -33.33% -20.00%
0.09 0.01 -0.06 -0.10 -0.07 0.25 0.34 -0.15 -0.21 -0.02 -0.08 -0.05 -0.04
EPS in Rs 0.04 0.00 -0.02 -0.04 -0.03 0.10 0.14 -0.06 -0.08 -0.01 -0.03 -0.02 -0.01
Gross NPA %
Net NPA %
Raw PDF

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 0.03
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 0.00
6.68 3.11 5.48 6.66 4.16 3.22 3.99 0.60 0.47 0.41 0.31 0.62 0.27
Financing Profit 0.09 0.14 0.85 2.44 1.66 0.47 -1.35 0.04 0.04 0.16 0.03 0.07 -0.24
Financing Margin % 1.32% 4.29% 11.74% 26.75% 28.38% 12.47% -46.23% 4.40% 4.65% 23.53% 7.32% 8.97% -800.00%
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
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 -0.24
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 -0.19
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 -0.07
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: -95%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: -183%
Stock Price CAGR
10 Years: 32%
5 Years: 91%
3 Years: 88%
1 Year: 15%
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
Borrowing 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
ROE % 0.06% 0.05% 1.35% 4.00% 2.79% 0.73% -3.36% 0.07% 0.02% 0.29% 0.04% 0.00%

Shareholding Pattern

Numbers in percentages

1 Recently
Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
55.51% 55.51% 60.35% 60.46% 60.46% 60.46% 60.46% 60.46% 55.94% 55.94% 55.94% 55.94%
44.50% 44.49% 39.65% 39.54% 39.53% 39.52% 39.53% 39.53% 44.04% 44.05% 44.05% 44.04%
No. of Shareholders 793790814812774827857893887864842835

Documents

Announcements

Annual reports

DRHP