India Finsec Ltd

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

India Finsec Ltd

₹ 95.0 0.00%
25 Apr - close price
indiafinsec.com BSE: 535667
About

Incorporated in 1994, IFL Housing Finance Ltd is in the business of providing loans and investments[1]

Key Points

Registration:[1]
Company is registered with RBI as Non Systematically Important Non Deposit taking NBFC - Loan and Investment company

Website BSE
  • Market Cap ₹ 237 Cr.
  • Current Price ₹ 95.0
  • High / Low ₹ 95.0 / 18.3
  • Stock P/E 36.4
  • Book Value ₹ 25.8
  • Dividend Yield 0.00 %
  • ROCE 10.7 %
  • ROE 5.17 %
  • Face Value ₹ 10.0
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Pros

  • Company is expected to give good quarter

Cons

  • Stock is trading at 3.68 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 6.48% over last 3 years.
  • Contingent liabilities of Rs.184 Cr.

* 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

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
5.05 5.35 4.74 5.19 6.03 7.91 8.81 10.44 12.31 13.62 14.94 15.86 16.19
2.54 1.41 1.54 2.74 3.33 4.08 4.59 5.46 4.59 5.91 4.67 5.71 5.79
Operating Profit 2.51 3.94 3.20 2.45 2.70 3.83 4.22 4.98 7.72 7.71 10.27 10.15 10.40
OPM % 49.70% 73.64% 67.51% 47.21% 44.78% 48.42% 47.90% 47.70% 62.71% 56.61% 68.74% 64.00% 64.24%
-0.64 -0.02 0.15 0.01 0.03 0.27 0.02 0.06 0.27 0.90 0.00 0.21 0.19
Interest 1.21 1.42 0.82 1.02 1.67 2.14 2.55 3.49 5.48 5.60 5.72 5.81 6.07
Depreciation 0.09 0.18 0.13 0.19 0.22 1.07 0.60 0.22 1.04 0.51 0.50 0.51 0.53
Profit before tax 0.57 2.32 2.40 1.25 0.84 0.89 1.09 1.33 1.47 2.50 4.05 4.04 3.99
Tax % 28.07% 12.93% 24.17% 24.80% 33.33% 19.10% 29.36% -3.76% 4.76% 58.00% 28.40% 27.48% 23.81%
0.40 2.02 1.82 0.95 0.56 0.72 0.76 1.38 1.40 1.05 2.90 2.93 3.03
EPS in Rs 0.13 0.54 0.54 0.25 0.10 1.18 0.21 0.36 0.39 2.72 0.75 0.72 0.72
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 TTM
7.58 9.13 7.00 10.15 17.66 17.80 23.61 45.45 60.61
5.67 6.52 5.27 6.65 8.93 6.48 11.61 20.52 22.08
Operating Profit 1.91 2.61 1.73 3.50 8.73 11.32 12.00 24.93 38.53
OPM % 25.20% 28.59% 24.71% 34.48% 49.43% 63.60% 50.83% 54.85% 63.57%
0.05 0.00 0.05 0.00 0.45 0.30 0.72 0.97 1.30
Interest 0.91 0.16 0.03 0.76 4.53 4.71 5.73 17.13 23.20
Depreciation 0.06 0.04 0.07 0.13 0.67 0.47 1.61 2.37 2.05
Profit before tax 0.99 2.41 1.68 2.61 3.98 6.44 5.38 6.40 14.58
Tax % 31.31% 29.05% 26.19% 23.37% 30.90% 22.83% 24.91% 28.12%
0.60 1.73 1.85 2.00 2.75 4.97 4.04 4.61 9.91
EPS in Rs 0.24 0.69 0.76 0.73 0.71 1.44 2.06 1.23 4.91
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: %
5 Years: 45%
3 Years: 37%
TTM: 54%
Compounded Profit Growth
10 Years: %
5 Years: 11%
3 Years: 20%
TTM: 109%
Stock Price CAGR
10 Years: 22%
5 Years: 39%
3 Years: 90%
1 Year: 385%
Return on Equity
10 Years: %
5 Years: 6%
3 Years: 6%
Last Year: 5%

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 Sep 2023
Equity Capital 24.94 24.94 24.94 24.94 24.94 24.94 24.94 24.94 24.94
Reserves 17.22 18.52 20.37 22.10 23.77 27.62 32.77 35.81 39.40
0.32 0.01 0.00 39.10 36.74 50.81 85.43 170.37 175.17
1.66 0.15 1.32 7.01 12.62 19.53 37.13 47.98 49.45
Total Liabilities 44.14 43.62 46.63 93.15 98.07 122.90 180.27 279.10 288.96
0.14 0.18 0.40 0.43 1.78 2.72 9.85 9.45 8.73
CWIP 0.00 0.00 0.11 0.25 0.03 0.00 0.26 0.00 0.00
Investments 2.20 1.44 2.03 3.76 3.65 10.84 2.57 1.05 0.05
41.80 42.00 44.09 88.71 92.61 109.34 167.59 268.60 280.18
Total Assets 44.14 43.62 46.63 93.15 98.07 122.90 180.27 279.10 288.96

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
-0.75 10.32 -0.28 -41.44 -3.36 -5.39 -41.78 -89.94
-1.33 -0.26 -0.40 -2.86 -0.83 -7.80 -0.66 0.50
0.84 -0.01 0.80 43.12 -2.06 14.44 40.39 91.94
Net Cash Flow -1.24 10.06 0.12 -1.18 -6.25 1.24 -2.06 2.50

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Debtor Days 4.33 0.00 0.00 0.00 0.00 8.00 1.70 0.00
Inventory Days 119.69 207.50 145.22 758.71 85.81
Days Payable 6.92 0.00 13.74 8.20 7.68
Cash Conversion Cycle 117.10 207.50 131.48 750.51 78.12 8.00 1.70 0.00
Working Capital Days 1,971.87 179.10 276.36 93.86 152.12 47.98 -84.41 -58.46
ROCE % 5.91% 3.82% 4.88% 9.00% 10.23% 7.61% 10.74%

Shareholding Pattern

Numbers in percentages

2 Recently
Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
47.82% 47.82% 50.77% 50.91% 50.91% 53.95% 53.95% 55.51% 55.51% 60.35% 60.46% 60.46%
52.18% 52.18% 49.23% 49.09% 49.09% 46.06% 46.05% 44.50% 44.49% 39.65% 39.54% 39.53%
No. of Shareholders 437439569827817876798793790814812774

Documents

Announcements

Annual reports

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