India Finsec Ltd
₹ 192
2.57%
13 May
- close price
About
Incorporated in 1994, India FinSec Ltd is in the business of loans and investments[1]
Key Points
- Market Cap ₹ 559 Cr.
- Current Price ₹ 192
- High / Low ₹ 224 / 125
- Stock P/E 13,976
- Book Value ₹ 27.0
- Dividend Yield 0.00 %
- ROCE 0.08 %
- ROE 0.05 %
- Face Value ₹ 10.0
Pros
- Company is almost debt free.
Cons
- Stock is trading at 7.11 times its book value
- The company has delivered a poor sales growth of -46.5% over past five years.
- Company has a low return on equity of 0.03% over last 3 years.
- Promoters have pledged 71.1% of their holding.
- Working capital days have increased from 1,182 days to 1,734 days
* 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
Upcoming result date: today
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 3.26 | 7.24 | 9.12 | 5.85 | 3.77 | 2.92 | 0.91 | 0.86 | 0.68 | 0.41 | 0.78 | 0.04 | |
| Interest | 0.01 | 0.91 | 0.02 | 0.03 | 0.08 | 0.28 | 0.27 | 0.35 | 0.11 | 0.07 | 0.09 | 0.00 |
| 3.11 | 5.48 | 6.66 | 4.16 | 3.22 | 3.99 | 0.60 | 0.47 | 0.41 | 0.31 | 0.62 | 0.36 | |
| Financing Profit | 0.14 | 0.85 | 2.44 | 1.66 | 0.47 | -1.35 | 0.04 | 0.04 | 0.16 | 0.03 | 0.07 | -0.32 |
| Financing Margin % | 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 | 0.04 | 0.00 | 0.02 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.38 | |
| Depreciation | 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 | 0.04 | 0.80 | 2.40 | 1.65 | 0.42 | -1.48 | 0.03 | 0.03 | 0.15 | 0.02 | 0.06 | 0.06 |
| Tax % | 50.00% | 30.00% | 29.58% | 25.45% | 23.81% | 0.68% | -33.33% | 33.33% | 13.33% | 0.00% | 100.00% | 16.67% |
| 0.02 | 0.56 | 1.70 | 1.23 | 0.33 | -1.49 | 0.03 | 0.01 | 0.13 | 0.02 | 0.00 | 0.04 | |
| EPS in Rs | 0.01 | 0.22 | 0.68 | 0.49 | 0.13 | -0.60 | 0.01 | 0.00 | 0.05 | 0.01 | 0.00 | 0.01 |
| 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: | -41% |
| 5 Years: | -46% |
| 3 Years: | -61% |
| TTM: | -95% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | -23% |
| 5 Years: | 6% |
| 3 Years: | -32% |
| TTM: | % |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 39% |
| 5 Years: | 64% |
| 3 Years: | 98% |
| 1 Year: | 24% |
| Return on Equity | |
|---|---|
| 10 Years: | 0% |
| 5 Years: | 0% |
| 3 Years: | 0% |
| Last Year: | 0% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| 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 | 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 | 16.30 | 16.69 | 18.49 | 19.73 | 20.86 | 19.24 | 19.56 | 19.58 | 19.71 | 19.73 | 49.44 | 49.47 |
| Borrowing | 0.02 | 0.32 | 0.01 | 0.00 | 2.60 | 0.94 | 4.69 | 2.25 | 0.78 | 0.78 | 0.00 | 0.00 |
| 0.15 | 0.23 | 0.14 | 0.15 | 0.22 | 0.31 | 0.07 | 0.08 | 0.21 | 0.26 | 0.07 | 0.11 | |
| Total Liabilities | 41.41 | 42.18 | 43.58 | 44.82 | 48.62 | 45.43 | 49.26 | 46.85 | 45.64 | 45.71 | 78.70 | 78.77 |
| 0.11 | 0.10 | 0.06 | 0.14 | 0.09 | 0.31 | 0.05 | 0.03 | 0.03 | 0.03 | 0.03 | 0.02 | |
| 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 |
| Investments | 0.00 | 1.42 | 11.92 | 18.62 | 40.25 | 40.28 | 39.72 | 39.72 | 42.77 | 42.77 | 77.57 | 77.57 |
| 41.30 | 40.66 | 31.60 | 26.06 | 8.28 | 4.84 | 9.49 | 7.10 | 2.84 | 2.91 | 1.10 | 1.18 | |
| Total Assets | 41.41 | 42.18 | 43.58 | 44.82 | 48.62 | 45.43 | 49.26 | 46.85 | 45.64 | 45.71 | 78.70 | 78.77 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -7.82 | -0.22 | 10.40 | 7.76 | 18.39 | 1.92 | -4.25 | 3.67 | 3.94 | -0.06 | 1.98 | ||
| 2.68 | -1.38 | -10.50 | -6.83 | -21.84 | -0.21 | 0.74 | 0.00 | -2.66 | 0.00 | -34.80 | ||
| 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 | 1.23 | -1.31 | -0.11 | 0.93 | -0.92 | 0.05 | -0.03 | 0.53 | -0.19 | -0.07 | 0.35 | |
| Free Cash Flow | -5.14 | -0.18 | 10.39 | 7.63 | 18.39 | 1.94 | -4.25 | 3.67 | 3.93 | -0.06 | 1.97 | |
| CFO/OP | -5,213% | -20% | 447% | 484% | 3,538% | -270% | -1,352% | 941% | 1,459% | -60% | 1,244% |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| 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 % | 0.05% | 1.35% | 4.00% | 2.79% | 0.73% | -3.36% | 0.07% | 0.02% | 0.29% | 0.04% | 0.00% | 0.05% |
Insights
In beta| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Consolidated Gross Loan Portfolio (AUM) INR Crore |
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| Standalone Employee Count Numbers |
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| Housing Loan Portfolio INR Crore |
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| Net NPA Ratio % |
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| Capital Adequacy Ratio (CRAR) % |
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| Gold Loan Portfolio INR Crore |
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Documents
Announcements
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Announcement under Regulation 30 (LODR)-Change in Management
4h - Board approved audited FY26 standalone/consolidated results with unmodified opinion; appointed internal auditor and company secretary from 14 May 2026.
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Appointment of Company Secretary and Compliance Officer
4h - Board approved audited standalone and consolidated FY2026 results, unmodified audit reports, and appointed internal auditor and company secretary.
- Financial Results For The Year Ended 31St March 2026 4h
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Board Meeting Outcome for Financial Results And Others
4h - Board approved FY2026 audited standalone/consolidated results and appointed a new internal auditor and company secretary.
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Compliances-Reg.24(A)-Annual Secretarial Compliance
11 May - Annual Secretarial Compliance Report for FY 2025-26 filed under Regulation 24A.
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
from bse
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Financial Year 2022
from bse
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Financial Year 2021
from bse
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Financial Year 2020
from bse
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Financial Year 2019
from bse
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Financial Year 2018
from bse
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Financial Year 2017
from bse
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Financial Year 2016
from bse
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Financial Year 2015
from bse
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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.