India Finsec Ltd

₹ 214 15.88%

03 Jun - close price

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 ₹ 626 Cr.
Current Price ₹ 214
High / Low ₹ 224 / 125
Stock P/E 40.7
Book Value ₹ 27.0
Dividend Yield 0.00 %
ROCE 28.6 %
ROE 16.0 %
Face Value ₹ 10.0

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Pros

Company has reduced debt.
Company is almost debt free.
Company has delivered good profit growth of 33.7% CAGR over last 5 years

Cons

Stock is trading at 7.96 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 13.8% over last 3 years.
Promoters have pledged 71.1% 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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Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	13.62	14.94	15.86	16.19	16.70	16.55	18.03	18.53	18.05	18.58	20.17	21.59	24.41
Interest	5.60	5.72	5.81	6.07	5.73	5.62	6.50	6.49	6.67	6.48	7.08	8.68	10.96
	5.91	4.67	5.71	5.79	6.46	5.13	4.88	5.30	4.77	4.54	4.94	5.09	5.83
Financing Profit	2.11	4.55	4.34	4.33	4.51	5.80	6.65	6.74	6.61	7.56	8.15	7.82	7.62
Financing Margin %	15.49%	30.46%	27.36%	26.74%	27.01%	35.05%	36.88%	36.37%	36.62%	40.69%	40.41%	36.22%	31.22%
	0.90	0.00	0.21	0.19	0.04	0.55	0.05	0.07	0.10	0.12	0.28	-0.11	1.04
Depreciation	0.51	0.50	0.51	0.53	0.56	0.52	0.66	0.69	0.71	0.65	0.74	0.77	0.93
Profit before tax	2.50	4.05	4.04	3.99	3.99	5.83	6.04	6.12	6.00	7.03	7.69	6.94	7.73
Tax %	58.00%	28.40%	27.48%	23.81%	17.04%	24.70%	25.33%	24.67%	23.67%	23.61%	27.83%	27.23%	26.13%
	1.05	2.90	2.93	3.03	3.31	4.39	4.51	4.61	4.57	5.36	5.54	5.05	5.72
EPS in Rs	2.72	0.75	0.72	0.72	1.33	1.10	1.13	0.69	1.12	1.31	1.35	1.21	1.41
Gross NPA %
Net NPA %
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	Mar 2026
	8	9	7	10	18	18	24	45	64	72	85
Interest	1	0	0	1	5	5	6	17	23	25	33
	6	7	5	7	9	6	12	21	23	20	20
Financing Profit	1	2	2	3	4	7	6	8	18	26	31
Financing Margin %	13%	27%	24%	27%	24%	37%	27%	17%	28%	37%	37%
	0	0	0	0	0	0	1	1	0	0	1
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	29
Tax %	31%	29%	26%	23%	31%	23%	25%	28%	24%	24%	26%
	1	2	2	2	3	5	4	5	12	18	22
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
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:	18%

Compounded Profit Growth
10 Years:	38%
5 Years:	34%
3 Years:	71%
TTM:	31%

Stock Price CAGR
10 Years:	41%
5 Years:	70%
3 Years:	84%
1 Year:	40%

Return on Equity
10 Years:	9%
5 Years:	12%
3 Years:	14%
Last Year:	16%

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	49
Borrowing	0	0	0	39	37	51	85	170	190	198	0
	2	0	1	7	13	20	37	48	45	51	0
Total Liabilities	44	44	47	93	98	123	180	279	304	363	79
	0	0	0	0	2	3	10	9	9	13	0
CWIP	0	0	0	0	0	0	0	0	0	0	0
Investments	2	1	2	4	4	11	3	1	0	0	78
	42	42	44	89	93	109	168	269	295	350	1
Total Assets	44	44	47	93	98	123	180	279	304	363	79

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	35	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	-31	-127
CFO/OP	-45%	418%	13%	-1,153%	-12%	-28%	-332%	-358%	-28%	-45%	-189%

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	Mar 2026
ROE %	1%	4%	4%	4%	4%	7%	9%	5%	12%	13%	16%

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 ・Standalone data

Housing Loan Portfolio
INR Crore

Net NPA Ratio
%

Capital Adequacy Ratio (CRAR)
%

Gold Loan Portfolio
INR Crore

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	55.51%	60.35%	60.46%	60.46%	60.46%	60.46%	60.46%	55.94%	55.94%	55.94%	55.94%	55.98%
	44.49%	39.65%	39.54%	39.53%	39.52%	39.53%	39.53%	44.04%	44.05%	44.05%	44.04%	44.02%
No. of Shareholders	790	814	812	774	827	857	893	887	864	842	835	827

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	32.78%	37.64%	37.83%	42.82%	47.82%	50.91%	55.51%	60.46%	55.94%	55.98%
	67.22%	62.36%	62.17%	57.18%	52.18%	49.09%	44.50%	39.53%	44.04%	44.02%
No. of Shareholders	522	443	354	360	389	827	793	774	887	827

India Finsec Ltd

India Finsec Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

Documents

Announcements

Annual reports