India Finsec Ltd

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

India Finsec Ltd

₹ 153 0.00%
21 Aug 11:09 a.m.
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 ₹ 447 Cr.
  • Current Price ₹ 153
  • High / Low ₹ 199 / 116
  • Stock P/E 38.4
  • Book Value ₹ 39.0
  • Dividend Yield 0.00 %
  • ROCE 15.0 %
  • ROE 12.9 %
  • Face Value ₹ 10.0
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Pros

  • Company has delivered good profit growth of 46.2% CAGR over last 5 years

Cons

  • Stock is trading at 3.92 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 10.4% 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.

Peer comparison

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

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
8.81 10.44 12.31 13.62 14.94 15.86 16.19 16.70 16.55 18.03 18.53 18.05 18.58
4.59 5.46 4.59 5.91 4.67 5.71 5.79 6.46 5.13 4.88 5.30 4.77 4.54
Operating Profit 4.22 4.98 7.72 7.71 10.27 10.15 10.40 10.24 11.42 13.15 13.23 13.28 14.04
OPM % 47.90% 47.70% 62.71% 56.61% 68.74% 64.00% 64.24% 61.32% 69.00% 72.93% 71.40% 73.57% 75.57%
0.02 0.06 0.27 0.90 0.00 0.21 0.19 0.04 0.55 0.05 0.07 0.10 0.12
Interest 2.55 3.49 5.48 5.60 5.72 5.81 6.07 5.73 5.62 6.50 6.49 6.67 6.48
Depreciation 0.60 0.22 1.04 0.51 0.50 0.51 0.53 0.56 0.52 0.66 0.69 0.71 0.65
Profit before tax 1.09 1.33 1.47 2.50 4.05 4.04 3.99 3.99 5.83 6.04 6.12 6.00 7.03
Tax % 29.36% -3.76% 4.76% 58.00% 28.40% 27.48% 23.81% 17.04% 24.70% 25.33% 24.67% 23.67% 23.61%
0.76 1.38 1.40 1.05 2.90 2.93 3.03 3.31 4.39 4.51 4.61 4.57 5.36
EPS in Rs 0.21 0.36 0.39 2.72 0.75 0.72 0.72 1.33 1.10 1.13 0.69 1.12 1.31
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
8 9 7 10 18 18 24 45 64 72 73
6 7 5 7 9 6 12 21 23 20 19
Operating Profit 2 3 2 4 9 11 12 25 41 52 54
OPM % 25% 29% 25% 34% 49% 64% 51% 55% 64% 72% 73%
0 0 0 0 0 0 1 1 0 0 0
Interest 1 0 0 1 5 5 6 17 23 25 26
Depreciation 0 0 0 0 1 0 2 2 2 3 3
Profit before tax 1 2 2 3 4 6 5 6 16 24 25
Tax % 31% 29% 26% 23% 31% 23% 25% 28% 24% 24%
1 2 2 2 3 5 4 5 12 18 19
EPS in Rs 0.24 0.69 0.76 0.73 0.71 1.44 2.06 1.23 3.06 4.03 4.25
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 32%
3 Years: 45%
TTM: 12%
Compounded Profit Growth
10 Years: %
5 Years: 46%
3 Years: 32%
TTM: 21%
Stock Price CAGR
10 Years: 37%
5 Years: 83%
3 Years: 80%
1 Year: 13%
Return on Equity
10 Years: %
5 Years: 10%
3 Years: 10%
Last Year: 13%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 25 25 25 25 25 25 25 25 25 29
Reserves 17 19 20 22 24 28 33 36 43 85
0 0 0 39 37 51 85 170 190 198
2 0 1 7 13 20 37 48 45 51
Total Liabilities 44 44 47 93 98 123 180 279 304 363
0 0 0 0 2 3 10 9 9 13
CWIP 0 0 0 0 0 0 0 0 0 0
Investments 2 1 2 4 4 11 3 1 0 0
42 42 44 89 93 109 168 269 295 350
Total Assets 44 44 47 93 98 123 180 279 304 363

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-1 10 -0 -41 -3 -5 -42 -90 -15 -29
-1 -0 -0 -3 -1 -8 -1 0 0 3
1 -0 1 43 -2 14 40 92 13 35
Net Cash Flow -1 10 0 -1 -6 1 -2 2 -2 10

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Debtor Days 4 0 0 0 0 8 2 0 0 0
Inventory Days 120 208 145 759 86
Days Payable 7 0 14 8 8
Cash Conversion Cycle 117 208 131 751 78 8 2 0 0 0
Working Capital Days 1,957 179 276 94 152 48 -84 -58 -2 -8
ROCE % 6% 4% 5% 9% 10% 8% 11% 14% 15%

Shareholding Pattern

Numbers in percentages

Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
53.95% 53.95% 55.51% 55.51% 60.35% 60.46% 60.46% 60.46% 60.46% 60.46% 55.94% 55.94%
46.06% 46.05% 44.50% 44.49% 39.65% 39.54% 39.53% 39.52% 39.53% 39.53% 44.04% 44.05%
No. of Shareholders 876798793790814812774827857893887864

Documents

Announcements

Annual reports

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