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Interface Financial Services Ltd (530519)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 530519 NSE: Finance - Investment | Small Cap | Interface Financial Share Price

BSE Share Price
Not Listed

Interface Financial Services Ltd (530519)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 530519 NSE: Finance - Investment | Small Cap | Interface Financial Share Price

BSE Share Price
Not Listed
Key Metrics
Valuation Multiples
Market Cap
₹4 Cr.
Current Price
₹0
52-Week Low / High
₹0 / 0
TTM EPS
₹-0
Book Value per Share
₹1.3
P/E Ratio
0.00
Industry PE
52.8
Price to Book (P/B)
0.14
In line with its 5-year historical median
EV/EBITDA
-6.19
In line with its 5-year historical median
Dividend Yield
0.00%
Profitability Efficiency
Return on Equity (ROE)
-11.84%
Return on Capital Employed (ROCE)
-10.79%
Return on Assets (ROA)
-3.69%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
-
-
Book Value Growth (1 Year)
Improving versus 3-year growth rate
-10.96%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹61.1 Cr.
Reserves
₹8 Cr.
Equity
₹24.7 Cr.
Face Value
₹1
All Time Low / High
₹0.10 / 8.50

Interface Financial Services stock performance

Key Ratios
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M-Cap below 100cr DeciZen not available

Q.1 Is Interface Financial Services Ltd a good quality company?
Interface Financial Services Ltd is a quality company, based on a multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

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

  • How has it performed on generating Profits?

    By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

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How does Interface Financial Services Ltd performance compare with that of its Peers?
Q.1 AUM Growth of Interface Financial Services Ltd vs Industry Peers?
Interface Financial Services Ltd AUM CAGR is 19.16%, compared to the 3-year industry median CAGR of 8.8%, indicating faster growth and gaining its market share.
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Q.1 Promoter shareholding and pledge status of Interface Financial Services Ltd?
Promoters hold 0.00% of the Interface Financial Services Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of Interface Financial Services Ltd over the last decade?
Over the last - years, the stock has delivered a CAGR of N/A% based on the current price.
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10 Year X-Ray : Login to view analysis.

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.
Interface Financial Services Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22TTM
Operating Income (₹ Cr.)000010010070.861
YoY Gr. Rt. %-NANANANA-100%NA-100%NANA-
Adj EPS (₹ ) -0-0-0-0-0-0.2-0.1-0.3-0-0.1-0
YoY Gr. Rt. %-NANANANANANANANANA-
BVPS (₹ )1.31.31.31.31.31.21.10.80.70.71.3
YoY Gr. Rt. %--0.8%0%0%0%-11.4%-4.3%-31.3%-5.2%-11%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)-0.1-0-0-0.1-0.2-8.4-3.6-20.3-2.4-3.70

CAGR ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest IncomeNA47.9%310.9%NA
Adj EPSNANANANA
BVPS-7.7%-13.2%-16.6%-11%
Share Price - - - -

Key Financial Ratios

RATIOS \ YEARSMar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22TTM
Margins
Net Profit Margin (%)0000-1.20-131.700-2.9-1.6
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)-0.1-0.1-0.1-0.1-0.4-11.9-4.8-36.4-5.2-11.8-3

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22
Income + 0000100.021.020071.56
Interest Income00001001.020070.78
Other Income ⓘ 00000.153.671.318.420.940.17
Exceptional Items ⓘ 000000.020000.79
Expenditure ⓘ + 0.040.020.020.0410.113.682.368.490.9673.59
Interest Expense ⓘ 0000000000
Operating Expenses ⓘ 0.040.020.020.049.970.011.050.070.0373.42
Provisions 00000.153.671.318.420.940.17
Exceptional Items ⓘ 0000000000
Profit Before Tax ⓘ -0.04-0.02-0.02-0.04-0.12-3.66-1.34-8.49-0.96-2.02
Taxes ⓘ 0000000000
Profit After Tax -0.04-0.02-0.02-0.04-0.12-3.66-1.34-8.49-0.96-2.02
Adjusted EPS (₹)0.00.00.00.00.0-0.2-0.1-0.3-0.0-0.1
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Valuation of Interface Financial - Standalone

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!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22

Equity and Liabilities

Equity Capital +32.7532.7332.7232.6732.5628.9027.5519.0718.1116.08
Share Capital ⓘ 24.7124.7124.7124.7124.7124.7124.7124.7124.7124.71
Reserves ⓘ 8.048.0287.967.844.182.84-5.64-6.61-8.63
Short term borrowings000.470000000
Long Term Borrowings1.031.080.030.030.030.031.761.452.301.02
Current Liabilities 13.3513.3513.8213.3720.205.0712.4221.5418.6053.51
Trade Payables00006.855.0712.4221.5418.6053.51
Other Liabilities0-0-0.470-6.85-5.07-12.42-21.54-18.60-53.51
Total Liabilities ⓘ 47.1447.1646.5746.0752.793441.7342.0639.0170.61

Assets

Non Current Asset +36.7446.9441.9025.5242.5527.7934.6535.0132.5650.69
Loan Asset 0000000000
Other Non Current Asset ⓘ 36.7446.9441.9025.5242.5527.7934.6535.0132.5650.69
Current Asset +10.400.224.6720.5510.246.217.087.056.4419.92
Current Investment0.520.023.6818.71000000
Other Current Asset9.880.200.991.8410.246.217.087.056.4419.92
Total Assets ⓘ 47.1447.1646.5746.0752.793441.7342.0639.0170.61

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22
Cash Flow From Operating Activity ⓘ -3.603.303.9112.05-5.60-14.755.220.66-3.3119.42
Cash Flow From Investing Activity ⓘ 2.60-3.35-3.19-11.735.6014.75-6.86-0.362.45-18.12
Cash Flow From Financing Activity ⓘ 10.04-0.57-0.470-0.011.73-0.310.86-1.29
Net Cash Flow ⓘ -0-0.010.15-0.15-0-00.10-0.01-0.010.01

Financial Ratio

PARTICULARSMar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22

Operational & Financial Ratios
EPS (₹)00000-0.20-0.10-0.30-0-0.10
DPS (₹)0000000000
BVPS (₹)1.31.31.31.31.31.21.10.80.70.7

Performance Ratios

ROA (%)-0.1-0.0-0.0-0.1-0.2-8.4-3.6-20.3-2.4-3.7
ROE (%)-0.1-0.1-0.1-0.1-0.4-11.9-4.8-36.4-5.2-11.8
ROCE (%)-0.1-0.1-0.1-0.1-0.4-11.9-4.6-34.1-4.7-10.8

Valuation Parameters

Price/Book(x)0.30.40.30.00.00.00.00.00.00.0

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 (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Interface Financial Services Ltd FAQs

The current trading price of Interface Financial on 01-Jan-1970 05:30 is ₹0.00.

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 31-Dec-1969 the market cap of Interface Financial stood at ₹4.45 Cr

The latest P/E ratio of Interface Financial as of 31-Dec-1969 is 0.00.

The latest P/B ratio of Interface Financial as of 31-Dec-1969 is 0.14.

The 52-week high of Interface Financial is ₹0.18 and the 52-week low is ₹0.18.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Interface Financial is ₹61.11 ( Cr.) .

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

No data found

No data found

About Interface Financial Services Ltd

Interface Financial Services, an Interface financial group company, was incorporated on January 1, 1992 as a private limited company under the Companies Act, 1956 as Interface financial Services Pvt. Ltd. The company was converted into a public limited company vide Resolution dated September 26, 1994 and a fresh Certificate of change of name was obtained on October 26, 1994 from Registrar of Companies, Gujarat, Ahmedabad. The company has been jointly promoted by Interface Capital Market Pvt. Ltd. Gaurang H Dalal,  Himal K Parikh and Choksi Financial and Leasing Pvt. Ltd., belonging to the Choksi family, the promoters of Choksi Tuba Co Ltd.

The Interface Financial Group enjoyed almost immediate success after its inception in 1971 and began offering franchises in 1991 to meet the growing demand for Interface's unique invoice discounting system. Interface now has over 150 franchised offices throughout the United States, Canada, Australia and New Zealand.The international headquarters of the group are located in Markham, Ontario, and its United States headquarters are located in Irvine, California and Bethesda, Maryland.

Interface Financial Services has an agreement with Interface Capital Markets Pvt. Ltd. (ICML), the flagship company of Interface Group of Companies. Interface is also a world class franchise as classified by the Franchise Research Institute.

The company has a subsidiary called Interface Brokerage & Research Pvt. Ltd.

Business area of the company

The company is engaged in underwriting issues and placement of issues. It is also involved in leasing and hire purchase operations with the assistance of institutions, banks and NBFCs.

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