India Finsec Ltd

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

₹ 249 -0.40%
23 Oct - 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 ₹ 727 Cr.
  • Current Price ₹ 249
  • High / Low ₹ 299 / 140
  • Stock P/E 44.3
  • Book Value ₹ 44.3
  • Dividend Yield 0.00 %
  • ROCE 13.3 %
  • ROE 12.6 %
  • Face Value ₹ 10.0
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Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 33.7% CAGR over last 5 years

Cons

  • Stock is trading at 5.62 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 12.6% over last 3 years.
  • Promoters have pledged 84.2% of their holding.
  • Promoter holding has decreased over last 3 years: -4.37%
  • Working capital days have increased from 1,052 days to 1,958 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.

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 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
14.94 15.86 16.19 16.70 16.55 18.03 18.53 18.05 18.58 20.17 21.59 24.41 28.55
Interest 5.72 5.81 6.07 5.73 5.62 6.50 6.49 6.67 6.48 7.08 8.68 10.96 13.07
4.67 5.71 5.79 6.46 5.13 4.88 5.30 4.77 4.54 4.94 5.09 5.83 6.04
Financing Profit 4.55 4.34 4.33 4.51 5.80 6.65 6.74 6.61 7.56 8.15 7.82 7.62 9.44
Financing Margin % 30.46% 27.36% 26.74% 27.01% 35.05% 36.88% 36.37% 36.62% 40.69% 40.41% 36.22% 31.22% 33.06%
0.00 0.21 0.19 0.04 0.55 0.05 0.07 0.10 0.12 0.28 -0.11 1.04 0.74
Depreciation 0.50 0.51 0.53 0.56 0.52 0.66 0.69 0.71 0.65 0.74 0.77 0.93 0.77
Profit before tax 4.05 4.04 3.99 3.99 5.83 6.04 6.12 6.00 7.03 7.69 6.94 7.73 9.41
Tax % 28.40% 27.48% 23.81% 17.04% 24.70% 25.33% 24.67% 23.67% 23.61% 27.83% 27.23% 26.13% 26.89%
2.90 2.93 3.03 3.31 4.39 4.51 4.61 4.57 5.35 5.54 5.05 5.72 6.89
EPS in Rs 0.75 0.72 0.72 1.33 1.10 1.13 0.69 1.12 1.30 1.35 1.21 1.39 1.68
Gross NPA %
Net NPA %
Raw PDF
Upcoming result date: 30 October 2026

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 Mar 2026 TTM
8 9 7 10 18 18 24 45 64 72 85 95
Interest 1 0 0 1 5 5 6 17 23 26 33 40
6 7 5 7 9 6 12 21 23 19 20 22
Financing Profit 1 2 2 3 4 7 6 8 18 26 31 33
Financing Margin % 13% 27% 24% 27% 24% 37% 27% 17% 28% 37% 37% 35%
0 0 0 0 0 0 1 1 0 0 1 2
Depreciation 0 0 0 0 1 0 2 2 2 3 3 3
Profit before tax 1 2 2 3 4 6 5 6 16 24 29 32
Tax % 31% 29% 26% 23% 31% 23% 25% 28% 24% 24% 26%
1 2 2 2 3 5 4 5 12 18 22 23
EPS in Rs 0.24 0.69 0.76 0.73 0.71 1.44 2.06 1.23 3.06 4.03 5.27 5.63
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 27%
5 Years: 37%
3 Years: 23%
TTM: 29%
Compounded Profit Growth
10 Years: 38%
5 Years: 34%
3 Years: 71%
TTM: 41%
Stock Price CAGR
10 Years: 38%
5 Years: 74%
3 Years: 77%
1 Year: 53%
Return on Equity
10 Years: 9%
5 Years: 11%
3 Years: 13%
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 Mar 2026
Equity Capital 25 25 25 25 25 25 25 25 25 29 29
Reserves 17 19 20 22 24 28 33 36 43 85 100
Borrowing 0 0 0 39 37 51 85 170 190 198 401
2 0 1 7 13 20 37 48 45 51 60
Total Liabilities 44 44 47 93 98 123 180 279 304 363 590
0 0 0 0 2 3 10 9 9 13 16
CWIP 0 0 0 0 0 0 0 0 0 0 0
Investments 2 1 2 4 4 11 3 1 0 0 0
42 42 44 89 93 109 168 269 295 350 575
Total Assets 44 44 47 93 98 123 180 279 304 363 590

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 Mar 2026
-1 10 -0 -41 -3 -5 -42 -90 -15 -29 -121
-1 -0 -0 -3 -1 -8 -1 0 0 3 -4
1 -0 1 43 -2 14 40 92 13 36 170
Net Cash Flow -1 10 0 -1 -6 1 -2 2 -2 10 45
Free Cash Flow -1 10 -1 -42 -4 -7 -51 -91 -16 -32 -127

Ratios

Consolidated / View Standalone

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 1% 4% 4% 4% 4% 7% 9% 5% 12% 13% 13%

Insights

In beta
Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Gross Loan Portfolio (AUM)
INR crores

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Total Borrowings
INR crores
Number of Permanent Employees (Standalone)
count ・Standalone data
Housing Loans Outstanding
INR crores
CRAR (IFL Finance Limited)
% ・Standalone data
Gold Loans Outstanding
INR crores
Gross NPA (IFL Finance Limited)
INR crores ・Standalone data

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Shareholding Pattern

Numbers in percentages

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
60.46% 60.46% 60.46% 60.46% 60.46% 55.94% 55.94% 55.94% 55.94% 55.98% 55.98% 55.98%
39.54% 39.53% 39.52% 39.53% 39.53% 44.04% 44.05% 44.05% 44.04% 44.02% 44.01% 44.01%
No. of Shareholders 812774827857893887864842835827824824

Documents

Announcements

Annual reports

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