India Finsec Ltd - Stock Valuation and Financial Performance

BSE: 535667 | NSE: | Finance - NBFC | Small Cap

India Finsec Share Price

155.10 -1.30 -0.83%
as on 11-Nov'24 12:41

DeciZen - make an informed investing decision on India Finsec

Overall Rating
M-Cap below 500cr. High Risk from low Liquidity Bole Toh

1. Quality

2. Valuation

Overvalued

3. Price Trend

India Finsec stock performance -

mw4me loader
P/E Ratio (SA):
935.46
Market Cap:
390.1 Cr.
52-wk low:
43
52-wk high:
199

Is India Finsec Ltd an attractive stock to invest in?

1. Is India Finsec Ltd a good quality company?

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

2. Is India Finsec Ltd undervalued or overvalued?

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

3. Is India Finsec Ltd a good buy now?

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.

10 Year X-Ray of India Finsec:

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 not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)3.37.28.85.33.82.90.90.81.20.40
YoY Gr. Rt. %-119.6%22.9%-39.4%-29.3%-22.6%-68.8%-12.1%51.3%-65.3%-
Adj EPS (₹ ) 00.20.70.50.1-0.6000.100.2
YoY Gr. Rt. %-2100%209.1%-27.9%-73.5%-561.5%NA0%400%-80%-
BVPS (₹ )16.516.717.417.918.417.717.817.917.917.918
YoY Gr. Rt. %-0.9%4.3%2.9%2.5%-3.5%0.7%0.1%0.3%0.1%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)0.11.342.80.7-3.20.100.300

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income-20.4%-35.5%-22.7%-65.3%
Adj EPS0%-40.1%0%-80%
BVPS0.9%-0.5%0.1%0.1%
Share Price 32.2% 60.9% 110.6% 241.1%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
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 (%)0.87.819.3238.7-513.81.810.74.888.3
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)0.11.342.80.7-3.30.100.30.10.9

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 0.90%

Total Income has declined 164.58 CAGR in last 3 years

Net Profit has declined 0.00 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials - India Finsec Ltd.

Standalone Consolidated
TTM EPS (₹) 0.2 3.1
TTM Sales (₹ Cr.) 0.5 63.7
BVPS (₹.) 18 29.2
Reserves (₹ Cr.) 20 48
P/BV 8.67 5.36
PE 935.46 51.05
From the Market
52 Week Low / High (₹) 43.00 / 198.95
All Time Low / High (₹) 4.70 / 198.95
Market Cap (₹ Cr.) 390
Equity (₹ Cr.) 24.9
Face Value (₹) 10
Industry PE 28.6

Management X-Ray of India Finsec:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.005.490.000.0030.080.0040.4640.46
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of India Finsec

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income3796431110
Interest Income3795431110
Other Income 0001000000
Expenditure 3674341110
Interest Expense 0100000000
Operating Expenses 3674341010
Provisions 1000000000
Exceptional Items 0000000000
Profit Before Tax 01220-10000
Taxes 0010000000
Profit After Tax 01210-10000
Adjusted EPS (₹)0.00.20.70.50.1-0.60.00.00.10.0
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital41424345464445454545
Share Capital 25252525252525252525
Reserves 16171820211920202020
Minority Interest0000000000
Long Term Borrowings0000000000
Current Liabilities 0000315211
Trade Payables0000000000
Short term borrowings0000315211
Other Liabilities0000-3-1-5-2-1-1
Total Liabilities 41424445494549474646

Assets

Non Current Asset 023936454246434343
Loan Asset 0000526400
Other Non Current Asset 023936404140404343
Current Asset 414159333333
Current Investment0000000000
Other Current Asset414159333333
Total Assets 41424445494549474646

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity -80108182-4440
Cash Flow From Investing Activity 3-1-11-7-22010-30
Cash Flow From Financing Activity 60003-23-3-10
Net Cash Flow 1-101-100100
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)00100-10000
DPS (₹)0000000000
BVPS (₹)17171718181818181818

Performance Ratios

ROA (%)0.11.34.02.80.7-3.20.10.00.30.0
ROE (%)0.11.34.02.80.7-3.30.10.00.30.0
ROCE (%)0.14.16.03.81.1-2.60.60.80.60.2

Valuation Parameters

Price/Book(x)0.60.60.81.80.80.60.41.41.14.8

India Finsec Ltd Stock News

India Finsec Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of India Finsec on 11-Nov-2024 12:41 is ₹155.1.
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 11-Nov-2024 12:41 the market cap of India Finsec stood at ₹390.1.
The latest P/E ratio of India Finsec as of 11-Nov-2024 12:41 is 935.5.
The latest P/B ratio of India Finsec as of 11-Nov-2024 12:41 is 8.67.
The 52-week high of India Finsec is ₹198.9 and the 52-week low is ₹43.00.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of India Finsec is ₹0.48 ( Cr.) .

About India Finsec Ltd

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