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Indergiri Finance Ltd (531505) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

BSE: 531505 NSE: | Finance - NBFC | Small Cap

Indergiri Finance Share Price

26.03 0.00 (0.00%)
As on 28-Apr'26 16:59

Indergiri Finance Ltd (531505)

BSE: 531505 NSE:
Key Metrics
Market Cap
₹13 Cr.
Earnings Per Share (TTM)
₹-6.12
P/E Ratio
0.00
Price to Book (P/B)
10.88
EV/EBITDA
-8.32
Current Price
₹26
Return on Capital Employed (ROCE)
-9.61%
Return on Equity (ROE)
-44.39%
Return on Assets (ROA)
-11.04%
Gross NPA(%)
0.00
Book Value per Share
₹2.4
Net NPA(%)
0.00
Dividend Yield
0.00%
Net Interest Income Growth (1 Year)
122.73%
Net Interest Income Growth (3 Years)
58.38%
52-Week Low / High
₹15 / 37
Book Value Growth (1 Year)
-36.26%
Book Value Growth (3 Years)
-17.9%

Check Before You Invest

Q.1 Does its ROIC exceed its WACC?
Indergiri Finance Ltd return on invested capital (ROIC) is -7.52% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.
Q.1 Stock return of Indergiri Finance Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 16.8% based on the current price.
Q.1 Which industry/sub-sector does Indergiri Finance Ltd belong to?
Indergiri Finance Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.
Q.1 Total Income growth of Indergiri Finance Ltd?
Indergiri Finance Ltd Operating Income growth is 182.28% for FY-2025, which is above its 5-year CAGR of 40.32%, indicating faster growth.
Q.1 Promoter shareholding and pledge status of Indergiri Finance Ltd?
Promoters hold 60.22% of the Indergiri Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 AUM Growth of Indergiri Finance Ltd vs Industry Peers?
Indergiri Finance Ltd AUM CAGR is 31.03%, compared to the 5-year industry median CAGR of 9.9%, indicating faster growth and gaining its market share.

DeciZen - make an informed investing decision on Indergiri Finance

Based on:

M-Cap below 100cr DeciZen not available

Indergiri Finance stock performance

Key Ratios
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Is Indergiri Finance Ltd an attractive stock to invest in?

1. Is Indergiri Finance Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Indergiri Finance Ltd is a below average quality company.

2. Is Indergiri Finance Ltd undervalued or overvalued?

The key valuation ratios of Indergiri Finance Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.

3. Is Indergiri Finance Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Indergiri Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray :

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Indergiri Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)10.40.50.50.40.40.40.70.82.21
YoY Gr. Rt. %--57.7%9.8%0%-8.9%-7.3%-2.6%91.9%11.3%182.3%-
Adj EPS (₹ ) 0.20.10.10.100.1-0.30-1.3-3.1-6.1
YoY Gr. Rt. %--60%50%-22.2%-71.4%150%-700%NA-6500%NA-
BVPS (₹ )9.9101010.110.110.29.99.98.65.52.4
YoY Gr. Rt. %-0.6%0.6%0.7%0.2%0.5%-3%0.2%-13.4%-36.3%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)1.50.60.90.70.20.5-30.2-9.5-110

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income9.7%40.3%82%182.3%
Adj EPS-240.1%-374.4%NANA
BVPS-6.4%-11.6%-17.9%-36.3%
Share Price 16.8% 57.2% 51.2% 28.2%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)7.96.910.57.32.56.7-40.91.4-82.1-70.6-222.8
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)1.50.60.90.70.20.5-30.2-13.9-44.4-292.1

Recent Performance Summary

Total Income has increased 81.98 CAGR in last 3 years

Return on Equity is Poor

Net Profit has declined 0.00 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials

Standalone Consolidated
TTM EPS (₹) -6.1 -
TTM Sales (₹ Cr.) 1.4 -
BVPS (₹) 2.4 -
Reserves (₹ Cr.) -4 -
P/BV 10.88 -
PE 0.00 -
From the Market
52 Week Low / High (₹) 14.72 / 36.64
All Time Low / High (₹) 0.50 / 109.67
Market Cap (₹ Cr.) 13.2
Equity (₹ Cr.) 5.1
Face Value (₹) 10
Industry PE 27.6

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of Indergiri Finance - Standalone Basis

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Key Ratios

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 0.970.410.450.460.410.410.370.790.812.36
Interest Income0.970.410.450.450.410.380.370.710.792.23
Other Income 00.01000.01000.040.092.08
Exceptional Items 000000.0200.080.020.14
Expenditure + 0.860.370.390.410.400.370.280.751.434.45
Interest Expense 000000000.120.76
Operating Expenses 0.850.360.390.410.380.370.280.711.211.62
Provisions 00.01000.01000.040.092.08
Exceptional Items 0000000000
Profit Before Tax 0.110.040.060.050.010.030.090.04-0.63-2.09
Taxes 0.040.010.020.0100.010.240.030.02-0.52
Profit After Tax 0.080.030.050.030.010.03-0.150.01-0.65-1.57
Adjusted EPS (₹)0.20.10.10.10.00.1-0.30.0-1.3-3.1
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +5.015.045.075.105.115.144.984.994.332.76
Share Capital 5.065.065.065.065.065.065.065.065.065.06
Reserves -0.06-0.020.010.040.050.07-0.08-0.07-0.73-2.30
Short term borrowings000000001.5010.54
Long Term Borrowings00-0.05-0.05-0.05-0.04-0-02.245.89
Current Liabilities 0.070.140.040.160.140.070.070.261.7911.48
Trade Payables0.020.0700000000
Other Liabilities-0.02-0.07000-00-0-1.50-10.54
Total Liabilities 5.085.185.065.215.215.175.055.258.3620.12

Assets

Non Current Asset +0.080.080.070.070.080.660.660.037.5719.54
Loan Asset 000000007.5519.51
Other Non Current Asset 0.080.080.070.070.080.660.660.030.020.02
Current Asset +55.104.995.145.134.514.395.220.790.59
Current Investment0000000000
Other Current Asset55.104.995.145.134.514.395.220.790.59
Total Assets 5.085.185.065.215.215.175.055.258.3620.12

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity -0.33-0.06-0-0.010.010.730.30-0.30-3.98-12.72
Cash Flow From Investing Activity 00-0.02-00-0.6000.600.03-0.03
Cash Flow From Financing Activity 000000003.6212.48
Net Cash Flow -0.33-0.06-0.02-0.010.010.130.300.30-0.33-0.27

Finance Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios

EPS (₹)0.200.100.100.1000.10-0.300-1.30-3.10
DPS (₹)0000000000
BVPS (₹)9.9101010.110.110.29.99.98.65.5

Performance Ratios

ROA (%)1.50.60.90.70.20.5-3.00.2-9.5-11.0
ROE (%)1.50.60.90.70.20.5-3.00.2-13.9-44.4
ROCE (%)2.30.91.31.00.30.71.80.7-7.7-9.6

Valuation Parameters

Price/Book(x)0.60.50.00.00.50.30.30.76.54.8

Top 5 Mutual Funds Holding

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Announcements

Indergiri Finance Ltd FAQs

The current trading price of Indergiri Finance on 28-Apr-2026 16:59 is ₹26.03.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 27-Apr-2026 the market cap of Indergiri Finance stood at ₹13.17 Cr

The latest P/E ratio of Indergiri Finance as of 27-Apr-2026 is 0.00.

The latest P/B ratio of Indergiri Finance as of 27-Apr-2026 is 10.88.

The 52-week high of Indergiri Finance is ₹36.64 and the 52-week low is ₹14.72.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Indergiri Finance is ₹1.39 ( Cr.) .

About Indergiri Finance Ltd

Indergiri Finance was incorporated on January 27, 1995 as a public limited company under the Companies Act, 1956 in the state of Rajasthan at Jaipur. The company obtained the certificate of commencement of business on February 3, 1995.

Reserve Bank of India (RBI) has classified the company as a ‘loan company’ in the category of Non-banking Finance Company.

Business areas of the company:

The company is engaged in the business of leasing, hire purchase financing, loans & advances, investment banking and advisory services.

Future plans:

The company proposes to expand its range of services to include Issue Management, Money Market Operations, and other Corporate Financial Services. 

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MoneyWorks4Me is a SEBI-registered Investment Adviser (IA) dedicated to helping investors build long-term wealth through transparent, research-driven, conflict-free guidance. Founded in 2008, we started our journey as a Research Analyst (RA), providing deep fundamental analysis, intrinsic value insights, and long-term investing frameworks for Indian equities. In 2017, we transitioned to a full-fledged SEBI-registered Investment Adviser, strengthening our commitment to acting as a fiduciary—always putting the investor’s interest first.

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