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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

₹123.70 0.00 (0.00%)

As on 04-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

₹123.70 0.00 (0.00%)

As on 04-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹115 Cr.
Current Price
₹123.7
52-Week Low / High
₹38 / 125
TTM EPS
₹2.2
Book Value per Share
₹19.1
P/E Ratio
57.09
Higher than its 5-year historical median
Industry PE
25.6
Price to Book (P/B)
6.48
Higher than its 5-year historical median
EV/EBITDA
21.49
Higher than its 5-year historical median
Dividend Yield
1.38%
Profitability Efficiency
Return on Equity (ROE)
5.99%
Return on Capital Employed (ROCE)
8.99%
Return on Assets (ROA)
2.62%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
48.41%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
-2.74%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹4.5 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.

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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 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.
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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.
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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.
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'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)3.32.31.41.42.33.50.62.13.45.54
YoY Gr. Rt. %--28.3%-38.3%-6%71.6%51.1%-83.4%265%59.3%63.5%-
Adj EPS (₹ ) 0.70.10.10.2-0.10.5-3.70.40.81.22.2
YoY Gr. Rt. %--88.7%12.5%133.3%-166.7%NA-775.9%NA92.9%43.2%-
BVPS (₹ )1817.91816.513.714.216.913.819.719.219.1
YoY Gr. Rt. %--0.2%0.5%-8.3%-16.9%3.4%19.4%-18.6%43.1%-2.7%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)1.60.20.30.7-0.52.5-13.11.42.42.60

CAGR ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest Income6.1%18.9%111.8%63.5%
Adj EPS5.6%NANA43.2%
BVPS0.7%6.9%4.3%-2.7%
Share Price 25.7% 79.5% 62.1% 130.1%

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 (%)20.335.714.4-5.614.1-579.518.522.119.544.8
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)40.40.51.2-0.93.8-23.52.84.868.6

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 5322341346
Interest Income3211241236
Other Income ⓘ 0111101000
Exceptional Items ⓘ 1111000010
Expenditure ⓘ + 4322332234
Interest Expense ⓘ 2100010012
Operating Expenses ⓘ 1111111222
Provisions 0111101000
Exceptional Items ⓘ 00000000-0-0
Profit Before Tax ⓘ 1000-01-2011
Taxes ⓘ 0000002000
Profit After Tax 1000-00-3011
Adjusted EPS (₹)0.70.10.10.2-0.10.5-3.70.40.81.2
Dividend Payout Ratio (%)56%0%0%0%0%0%0%0%37%42.90%

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

Equity and Liabilities

Equity Capital +17171715131322192423
Share Capital ⓘ 9999999999
Reserves ⓘ 77763413101514
Short term borrowings0000000000
Long Term Borrowings16141313761051520
Current Liabilities 1000000000
Trade Payables0000000000
Other Liabilities0000-00-0-0-00
Total Liabilities ⓘ 33303029201932243944

Assets

Non Current Asset +32303029201926183237
Loan Asset 0000000000
Other Non Current Asset ⓘ 32303029201926183237
Current Asset +1000001111
Current Investment0000000000
Other Current Asset1000001111
Total Assets ⓘ 33303029201932243944

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity ⓘ 1830-0-0-0-2-01110
Cash Flow From Investing Activity ⓘ 0-000-0-00-3-2-4
Cash Flow From Financing Activity ⓘ -18-3-0-00023-9-6
Net Cash Flow ⓘ -0-00-00-00-00-0

Financial Ratio

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

Operational & Financial Ratios
EPS (₹)0.700.100.100.20-0.100.50-3.700.400.801.20
DPS (₹)0.4000000000.300.50
BVPS (₹)1817.91816.513.714.216.913.819.719.2

Performance Ratios

ROA (%)1.60.20.30.7-0.52.5-13.11.42.42.6
ROE (%)4.00.40.51.2-0.93.8-23.52.84.86.0
ROCE (%)7.52.50.51.00.87.8-5.24.17.19.0

Valuation Parameters

Price/Book(x)0.60.80.80.80.70.60.70.00.81.9

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 04-Jun-2026 16:59 is ₹123.7.

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 03-Jun-2026 the market cap of Indus Finance stood at ₹114.5 Cr

The latest P/E ratio of Indus Finance as of 03-Jun-2026 is 57.09.

The latest P/B ratio of Indus Finance as of 03-Jun-2026 is 6.48.

The 52-week high of Indus Finance is ₹124.7 and the 52-week low is ₹37.66.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Indus Finance is ₹4.49 ( 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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