Check Before You Invest : Interactive Financial Services Ltd

Q: Which industry/sub-sector does Interactive Financial Services Ltd belong to?

Interactive Financial Services Ltd belongs to the BFSI sector, operating specifically within the Finance - Others segment.

Q: Is Interactive Financial Services Ltd a good quality company?

Interactive Financial Services Ltd is a quality company, based on a multi-year financial track record. This assessment is based on company’s performance on Revenue growth, ROCE, Equity and Assets, key margin ratios, cash conversion cycle, and debt to cash flow from operations and how it compares with its long term averages.

Q: Is Interactive Financial Services Ltd undervalued or overvalued?

Interactive Financial Services Ltd appears Somewhat Undervalued, as its key valuation ratios are lower than their past averages. Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more. Valuation Ratios. Price to Earnings, Current: 5.83, Historic Median: 4.69. Price to Book, Current: 0.32, Historic Median: 0.49. Price to Sales, Current: 1.93, Historic Median: 2.75. EV to EBITDA, Current: 2.29, Historic Median: 2.42

Q: Is Interactive Financial Services Ltd a good buy now?

Interactive Financial Services Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Q: Revenue growth of Interactive Financial Services Ltd?

Interactive Financial Services Ltd revenue growth is 141.4% for FY-2025, which is above its 5-year CAGR of 63.2%, indicating faster growth.

Q: Gross Profit margin of Interactive Financial Services Ltd?

Interactive Financial Services Ltd Gross profit margin which is the profit after deduction of direct costs, is 53.3% for FY-2025, which is below its 5-year median of 98.6%, indicating decreasing margins.

Q: Operating Profit Margin of Interactive Financial Services Ltd?

Interactive Financial Services Ltd Operating Profit Margin which is the profit after deduction of all operating costs, is 40.11% for FY-2025, which is in line with its 5-year median of 38.44% indicating stable margins.

Q: Net Profit Margin of Interactive Financial Services Ltd?

Interactive Financial Services Ltd Net Profit Margin is 38.52% for FY-2025, is below its 5-year median of 70.11%, indicating decreasing margins. Profitability Metrics. Gross Profit Margin (%), Current: 53.3, Historic Median: 98.6. Operating Profit Margin (%), Current: 40.11, Historic Median: 38.44. Net Profit Margin (%), Current: 38.52, Historic Median: 70.11

Q: Return on Asset of Interactive Financial Services Ltd?

Interactive Financial Services Ltd Return on Asset is 12.8%, which is in line with its 5-year historical median of 12.8%, indicating stable asset utilization efficiency.

Q: Return on capital employed (ROCE) of Interactive Financial Services Ltd?

Interactive Financial Services Ltd Return on capital employed is 19.7% for FY-2025, which is in line with its 5-year historical median of 18.8%. The current ROCE is above its estimated weighted average cost of capital (WACC) of 14%, indicating value creation.

Check Before You Invest : Interactive Financial Services Ltd

BSE: 539692 NSE: ISIN: INE064T01018

| Sector: BFSI | Industry: Finance - Others

Snapshot

Q.1 Which industry/sub-sector does Interactive Financial Services Ltd belong to?

Interactive Financial Services Ltd belongs to the BFSI sector, operating specifically within the Finance - Others segment.

Q.2 Is Interactive Financial Services Ltd a good quality company?

Interactive Financial Services Ltd is a quality company, based on a multi-year financial track record.

This assessment is based on company’s performance on Revenue growth, ROCE, Equity and Assets, key margin ratios, cash conversion cycle, and debt to cash flow from operations and how it compares with its long term averages.

Q.3 Is Interactive Financial Services Ltd undervalued or overvalued?

Interactive Financial Services Ltd appears Somewhat Undervalued, as its key valuation ratios are lower than their past averages.

Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more.

Valuation Ratios	Current	5-year Historic Median
Price to Earnings	5.83	4.69
Price to Book	0.32	0.49
Price to Sales	1.93	2.75
EV to EBITDA	2.29	2.42

Q.4 Is Interactive Financial Services Ltd a good buy now?

Interactive Financial Services Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Performance Analysis

We have analysed the performance of the company on the following:

How has it performed on generating Profits?
By checking its Revenue growth, Gross, Operating and Net Margins compared to its last 5-year median.
How efficiently has it utilized Capital?
By checking its ROCE, ROA, ROE and its Cash Conversion Cycle.
How is it managing its Debt?
By checking its Debt to Equity and Cash Flow from Operations.

A: What are the trends in revenue and profit margins?

Q.1 Revenue growth of Interactive Financial Services Ltd?

Interactive Financial Services Ltd revenue growth is 141.4% for FY-2025, which is above its 5-year CAGR of 63.2%, indicating faster growth.

Q.2 Gross Profit margin of Interactive Financial Services Ltd?

Interactive Financial Services Ltd Gross profit margin which is the profit after deduction of direct costs, is 53.3% for FY-2025, which is below its 5-year median of 98.6%, indicating decreasing margins.

Q.3 Operating Profit Margin of Interactive Financial Services Ltd?

Interactive Financial Services Ltd Operating Profit Margin which is the profit after deduction of all operating costs, is 40.11% for FY-2025, which is in line with its 5-year median of 38.44% indicating stable margins.

Q.4 Net Profit Margin of Interactive Financial Services Ltd?

Interactive Financial Services Ltd Net Profit Margin is 38.52% for FY-2025, is below its 5-year median of 70.11%, indicating decreasing margins.

	Current Level	5-year Historic Median
Gross Profit Margin (%)	53.3	98.6
Operating Profit Margin (%)	40.11	38.44
Net Profit Margin (%)	38.52	70.11

B: Does the business utilize capital efficiently?

Q.5 Return on Asset of Interactive Financial Services Ltd?

Interactive Financial Services Ltd Return on Asset is 12.8%, which is in line with its 5-year historical median of 12.8%, indicating stable asset utilization efficiency.

Q.6 Return on capital employed (ROCE) of Interactive Financial Services Ltd?

Interactive Financial Services Ltd Return on capital employed is 19.7% for FY-2025, which is in line with its 5-year historical median of 18.8%. The current ROCE is above its estimated weighted average cost of capital (WACC) of 14%, indicating value creation.

Q.7 Return on Equity (ROE) of Interactive Financial Services Ltd?

Interactive Financial Services Ltd Return on equity is 14.1% for FY-2025, which is in line with its 5-year historical median of 14.1%, indicating the business is making similar use of its shareholders capital.

Q.8 Cash conversion cycle of Interactive Financial Services Ltd?

Interactive Financial Services Ltd Cash conversion cycle is -93 days, below its 5-year historical median of -1 days, indicating improved working capital management. However, you need to compare this with its peers in the industry.

	Current Level	5-year Historic Median
Asset Turnover (x)	0.33	0.18
ROE (%)	14.1	14.1
ROCE (%)	19.7	18.8
Cash Conversion Cycle	-93 days	-1 days

C: How much debt does the business have and is it at a sustainable level?

Q.9 Debt to Equity ratio of Interactive Financial Services Ltd?

Interactive Financial Services Ltd Debt-to-Equity ratio is 0.02, which is above the industry average of 0.00, indicating higher debt levels in the industry.

Q.10 Debt to cash flow from operations of Interactive Financial Services Ltd?

Interactive Financial Services Ltd Debt to cash flow from operations is -0.49, which is at a unhealthy level.

Ownership & governance

D: Promoter shareholding and pledge status of Interactive Financial Services Ltd?

Q.1 Promoter shareholding and pledge status of Interactive Financial Services Ltd?

Promoters hold 0.00% of the Interactive Financial Services Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Interactive Financial Services Ltd performance compare with that of its Peers?

Q.1 Revenue growth of Interactive Financial Services Ltd vs industry peers?

Interactive Financial Services Ltd revenue CAGR is 63.20%, compared to the industry median CAGR of 23.54%, indicating faster growth and gaining its market share.

Profit Metrics

	Current Level	5-year Industry Median
Revenue Growth (%)	141.4	23.5
Gross Profit Growth (%)	151.6	41.8
Operating Profit Growth (%)	151.7	43.1
Net Profit Growth (%)	367.2	40.1

Operating Efficiency

	Current Level	5-year Industry Median
Asset Turnover (x)	0.33	0.34
ROE (%)	14.1	6
ROCE (%)	19.7	9.75
Cash Conversion Cycle (days)	-92.55	8

Valuation & price assessment

Q.1 Stock return of Interactive Financial Services Ltd over the last decade?

Over the last 9 year(s), the stock has delivered a CAGR of -0.1% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	-0.1%	16.6%	11.4%	-19.2%

Q.2 Valuation ratios of Interactive Financial Services Ltd vs historical?

The current P/E ratio of 5.83 is higher than its historical median of 4.69, indicating that the stock is trading above its historical average valuation.

Q.3 How do the current valuation ratios compare with 5-year historical median and industry numbers?

Valuation Ratios	Current	5-year Historic Median	5-year Industry Median
Price to Earnings	5.83	4.69	40.56
Price to Book	0.32	0.49	4.06
Price to Sales	1.93	2.75	9.32
EV to EBITDA	2.29	2.42	25.78

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Check Before You Invest : Interactive Financial Services Ltd

Snapshot

Performance Analysis

Ownership & governance

Peer comparison (industry-wise, mcap)

Profit Metrics

Operating Efficiency

Valuation & price assessment

Check more companies

Check trending companies

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