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India Finsec Ltd (535667)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 535667 NSE: Finance - NBFC | Small Cap | India Finsec Share Price

₹248 6.00 (2.48%)

As on 21-Sep'26 16:59

India Finsec Ltd (535667)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 535667 NSE: Finance - NBFC | Small Cap | India Finsec Share Price

₹248 6.00 (2.48%)

As on 21-Sep'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹706 Cr.
Current Price
₹248
52-Week Low / High
₹140 / 285
TTM EPS
₹5.6
Book Value per Share
₹46.6
P/E Ratio
42.92
Industry PE
26.9
Price to Book (P/B)
5.19
Higher than its 5-year historical median
EV/EBITDA
9.95
Lower than its 5-year historical median
Dividend Yield
0%
Profitability Efficiency
Return on Equity (ROE)
19.90%
Outperforms industry median
Return on Capital Employed (ROCE)
17.87%
Outperforms industry median
Return on Assets (ROA)
5.47%
Outperforms industry median
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
-48.57%
Book Value Growth (1 Year)
Improving versus 3-year growth rate
50.36%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹94.4 Cr.
Reserves
₹107 Cr.
Equity
₹29.2 Cr.
Face Value
₹10
All Time Low / High
₹4.70 / 284.95

India Finsec stock performance

Key Ratios
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Quality

Somewhat Good
Check detailed performance

Valuation

Overvalued

Check Valuation charts

Price Trend

Weak
Check Price chart
Q.1 Is India Finsec Ltd a good quality company?
India Finsec Ltd is a average quality company, based on a somewhat consistent 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 India Finsec Ltd performance compare with that of its Peers?
Q.1 AUM Growth of India Finsec Ltd vs Industry Peers?
India Finsec Ltd AUM CAGR is 29.87%, compared to the 5-year industry median CAGR of 9.93%, indicating faster growth and gaining its market share.
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Q.1 Promoter shareholding and pledge status of India Finsec Ltd?
Promoters hold 55.98% of the India Finsec Ltd, with 84.16% of their stake pledged, indicating high pledge risk.
Q.1 Stock return of India Finsec Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 36.1% based on the current price.
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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.
India Finsec Ltd has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)7.28.85.33.82.90.90.81.20.40.30
YoY Gr. Rt. %-22.9%-39.5%-29.2%-22.7%-68.9%-11.9%51.5%-65.6%-36.5%-
Adj EPS (₹ ) 0.20.70.50.1-0.6000.1000
YoY Gr. Rt. %-209.1%-27.9%-73.5%-561.5%NA0%400%-80%-100%-
BVPS (₹ )16.717.417.918.417.717.817.917.917.926.926.9
YoY Gr. Rt. %-4.3%2.9%2.5%-3.5%0.7%0.1%0.3%0.1%50.4%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)1.342.80.7-3.20.100.3000

CAGR ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest Income-30.7%-38.1%-30.8%-36.5%
Adj EPS-100%NA-100%-100%
BVPS5.5%8.7%14.7%50.4%
Share Price 37.6% 75.9% 96.5% 40.3%

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 (%)7.819.3238.7-513.81.810.74.80.497.3
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)1.342.80.7-3.30.100.30.100

Valuation of India Finsec - Consolidated

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!

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.0040.4640.4666.1471.1571.1571.1571.1571.1084.16
* Pledged shares as % of Promoter's holding (%)

Financials

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 89710181824476472
Interest Income89610181824466471
Other Income ⓘ 0000010111
Exceptional Items ⓘ 0010001101
Expenditure ⓘ + 7758141219414848
Interest Expense ⓘ 1001556172325
Operating Expenses ⓘ 675710613232421
Provisions 0000010111
Exceptional Items ⓘ 00000-00000
Profit Before Tax ⓘ 122346561624
Taxes ⓘ 0101111246
Profit After Tax 121235451218
Adjusted EPS (₹)0.20.70.80.70.71.52.11.23.14.0
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +424345474953586168114
Share Capital ⓘ 25252525252525252529
Reserves ⓘ 17192022242833364385
Short term borrowings0003151510217
Long Term Borrowings00036364669159160179
Current Liabilities 10042725223222
Trade Payables0000000000
Other Liabilities-0-0-0-3-1-5-16-10-21-7
Total Liabilities ⓘ 4444479398122179277302362

Assets

Non Current Asset +22930778598160259287343
Loan Asset 000758195149250277330
Other Non Current Asset ⓘ 229301431110913
Current Asset +42151616132419181518
Current Investment00033102100
Other Current Asset42151613101417171518
Total Assets ⓘ 4444479398122179277302362
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity ⓘ -110-0-41-3-5-42-90-15-29
Cash Flow From Investing Activity ⓘ -1-0-0-3-1-8-1103
Cash Flow From Financing Activity ⓘ 1-0143-21440921335
Net Cash Flow ⓘ -1100-1-61-22-210
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios
EPS (₹)0.200.700.800.700.701.502.101.203.104
DPS (₹)0000000000
BVPS (₹)16.917.418.218.919.521.123.124.427.439

Performance Ratios

ROA (%)1.63.92.82.92.94.52.72.04.25.5
ROE (%)1.64.02.84.35.79.87.37.818.919.9
ROCE (%)4.56.03.95.19.911.89.012.616.317.9

Valuation Parameters

Price/Book(x)0.60.81.70.80.50.41.10.83.13.8

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

India Finsec Ltd FAQs

The current trading price of India Finsec on 21-Sep-2026 16:59 is ₹248.0.

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 20-Sep-2026 the market cap of India Finsec stood at ₹706.4 Cr

The latest P/E ratio of India Finsec as of 20-Sep-2026 is 0.00.

The latest P/B ratio of India Finsec as of 20-Sep-2026 is 8.99.

The 52-week high of India Finsec is ₹284.9 and the 52-week low is ₹140.1.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of India Finsec is ₹0.03 ( Cr.) .

Past 10 year's financial track record analysis by Moneyworks4me indicates that India Finsec Ltd is a average quality company.

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

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

About India Finsec Ltd

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