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Indus Finance Ltd (531841)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 531841 NSE: Finance - NBFC | Small Cap | Indus Finance Share Price

₹133.75 2.60 (1.98%)

As on 25-Jun'26 16:59

Indus Finance Ltd (531841)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 531841 NSE: Finance - NBFC | Small Cap | Indus Finance Share Price

₹133.75 2.60 (1.98%)

As on 25-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹124 Cr.
Current Price
₹133.8
52-Week Low / High
₹38 / 134
TTM EPS
₹2.2
Book Value per Share
₹19.6
P/E Ratio
61.72
Higher than its 5-year historical median
Industry PE
28.2
Price to Book (P/B)
6.82
Higher than its 5-year historical median
EV/EBITDA
23.08
Higher than its 5-year historical median
Dividend Yield
0.45%
Profitability Efficiency
Return on Equity (ROE)
11.17%
Return on Capital Employed (ROCE)
15.79%
Return on Assets (ROA)
5.19%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
73.26%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
2.29%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹9.4 Cr.
Reserves
₹14 Cr.
Equity
₹9.3 Cr.
Face Value
₹10
All Time Low / High
₹2.02 / 203.00

Indus Finance stock performance

Key Ratios
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Quality

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Valuation

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Price Trend

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Q.1 Is Indus Finance Ltd a good quality company?
Indus Finance 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.

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.

How does Indus Finance Ltd performance compare with that of its Peers?
Q.1 AUM Growth of Indus Finance Ltd vs Industry Peers?
Indus Finance Ltd AUM CAGR is 16.64%, compared to the 5-year industry median CAGR of 9.68%, indicating faster growth and gaining its market share.
Q.1 Promoter shareholding and pledge status of Indus Finance Ltd?
Promoters hold 74.79% of the Indus Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of Indus Finance Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 24.2% based on the current price.

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.
Indus Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26TTM
Operating Income (₹ Cr.)2.31.41.42.33.50.62.13.45.59.49
YoY Gr. Rt. %--38.3%-6%71.6%51.1%-83.4%265%59.3%63.5%68.9%-
Adj EPS (₹ ) 0.10.10.2-0.10.5-3.70.40.81.22.22.2
YoY Gr. Rt. %-12.5%133.3%-166.7%NA-775.9%NA92.9%43.2%87.1%-
BVPS (₹ )17.91816.513.714.216.913.819.719.219.619.6
YoY Gr. Rt. %-0.5%-8.3%-16.9%3.4%19.4%-18.6%43.1%-2.7%2.3%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)0.20.30.7-0.52.5-13.11.42.42.65.20

CAGR

9 Years 5 Years 3 Years 1 Years
Net Interest Income16.7%21.6%63.9%68.9%
Adj EPS44.3%32.1%72.9%87.1%
BVPS1%6.7%12.5%2.3%
Share Price 24.6% 77.7% 74% 143.2%

Key Financial Ratios

RATIOS \ YEARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26TTM
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 (%)35.714.4-5.614.1-579.518.522.119.521.421.5
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)0.40.51.2-0.93.8-23.52.84.8611.28.6

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26
Income + 3223413469
Interest Income2112412369
Other Income 1111010002
Exceptional Items 1110000100
Expenditure + 3223322346
Interest Expense 1000100123
Operating Expenses 1111112222
Provisions 1111010002
Exceptional Items 0000000-0-0-0
Profit Before Tax 000-01-20112
Taxes 0000020000
Profit After Tax 000-00-30112
Adjusted EPS (₹)0.10.10.2-0.10.5-3.70.40.81.22.2
Dividend Payout Ratio (%)0%0%0%0%0%0%0%37%42.90%27.70%

Valuation of Indus Finance - 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'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26

Equity and Liabilities

Equity Capital +17171513132219242323
Share Capital 9999999999
Reserves 776341310151414
Short term borrowings0000000000
Long Term Borrowings14131376105152010
Current Liabilities 0000000000
Trade Payables0000000000
Other Liabilities000-00-0-0-00-0
Total Liabilities 30302920193224394434

Assets

Non Current Asset +30302920192618323728
Loan Asset 0000000000
Other Non Current Asset 30302920192618323728
Current Asset +0000011111
Current Investment0000000000
Other Current Asset0000011111
Total Assets 30302920193224394434

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26
Cash Flow From Operating Activity 30-0-0-0-2-01110-3
Cash Flow From Investing Activity -000-0-00-3-2-4-10
Cash Flow From Financing Activity -3-0-00023-9-613
Net Cash Flow -00-00-00-00-00

Financial Ratio

PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26

Operational & Financial Ratios

EPS (₹)0.100.100.20-0.100.50-3.700.400.801.202.20
DPS (₹)00000000.300.500.60
BVPS (₹)17.91816.513.714.216.913.819.719.219.6

Performance Ratios

ROA (%)0.20.30.7-0.52.5-13.11.42.42.65.2
ROE (%)0.40.51.2-0.93.8-23.52.84.86.011.2
ROCE (%)2.50.51.00.87.8-5.24.17.19.015.8

Valuation Parameters

Price/Book(x)0.80.80.80.70.60.70.00.81.92.1

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

Indus Finance Ltd FAQs

The current trading price of Indus Finance on 25-Jun-2026 16:59 is ₹133.8.

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 24-Jun-2026 the market cap of Indus Finance stood at ₹123.8 Cr

The latest P/E ratio of Indus Finance as of 24-Jun-2026 is 61.72.

The latest P/B ratio of Indus Finance as of 24-Jun-2026 is 6.82.

The 52-week high of Indus Finance is ₹133.8 and the 52-week low is ₹37.66.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Indus Finance is ₹9.36 ( Cr.) .

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

The key valuation ratios of Indus Finance 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 Indus Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

About Indus Finance Ltd

Subuthi was incorporated in 1992 as a private limited company under the name Subuthi Finance Private Limited (SFL). Thereafter, pursuant to the provisions of Section 44 of the Companies Act, SFL ceased to be a private limited company and accordingly a fresh certificate of incorporation was issued to SFL on March 29, 1994.

The main Promoters of Subuthi are K V Bala and R. Satyendran. The registered office of Subuthi is situated at Kakani Towers, 2nd Floor, 15, Khader Nawaz Khan Road, Chennai – 600 006.

Subuthi is in the business of corporate financing, leasing, hire purchase and corporate advisory services. It is a Non-Banking Finance Company registered with RBI Equity shares of Subuthi are listed on Bombay Stock Exchange (BSE), Coimbatore Stock Exchange and Madras Stock Exchange.

This company came out with its public issue in the year 1996.

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