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Intec Capital Ltd (526871)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 526871 NSE: Finance - NBFC | Small Cap | Intec Capital Share Price

₹15.18 0.00 (0.00%)

As on 22-Jun'26 16:59

Intec Capital Ltd (526871)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 526871 NSE: Finance - NBFC | Small Cap | Intec Capital Share Price

₹15.18 0.00 (0.00%)

As on 22-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹28 Cr.
Current Price
₹15.2
52-Week Low / High
₹9 / 19
TTM EPS
₹4.1
Book Value per Share
₹23.6
P/E Ratio
3.74
Industry PE
27.9
Price to Book (P/B)
0.64
Lower than its 5-year historical median
EV/EBITDA
2.33
Higher than its 5-year historical median
Dividend Yield
0%
Profitability Efficiency
Return on Equity (ROE)
0.84%
Return on Capital Employed (ROCE)
2.87%
Return on Assets (ROA)
0.44%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
-31.62%
Book Value Growth (1 Year)
Improving versus 3-year growth rate
0.83%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹10.9 Cr.
Reserves
₹25 Cr.
Equity
₹18.4 Cr.
Face Value
₹10
All Time Low / High
₹0.85 / 119.00

Intec Capital stock performance

Key Ratios
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Check Before You Invest

M-Cap below 100cr DeciZen not available

Q.1 Is Intec Capital Ltd a good quality company?
Intec Capital 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 Intec Capital Ltd performance compare with that of its Peers?
Q.1 AUM Growth of Intec Capital Ltd vs Industry Peers?
Intec Capital Ltd AUM CAGR is -10.75%, compared to the 5-year industry median CAGR of 9.68%, indicating slower growth and losing its market share.
Q.1 Promoter shareholding and pledge status of Intec Capital Ltd?
Promoters hold 71.05% of the Intec Capital Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of Intec Capital Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of -13.9% based on the current price.

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.
Intec Capital 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.)13195.753.440.315.97.110.98.23.73.611
YoY Gr. Rt. %--27.1%-44.2%-24.5%-60.6%-55.2%52.9%-24.3%-54.7%-4.8%-
Adj EPS (₹ ) 3.50.2-16.5-4.5-19.710.42-14.5-7.50.24.1
YoY Gr. Rt. %--94.3%-8345%NANANA-81.1%-839.8%NANA-
BVPS (₹ )91.891.475.148.62939.441.326.819.319.523.6
YoY Gr. Rt. %--0.4%-17.9%-35.3%-40.4%35.8%4.9%-35.1%-27.8%0.8%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)0.90.1-6.1-2.7-25.116.73.1-27.1-170.40

CAGR

9 Years 5 Years 3 Years 1 Years
Net Interest Income-33%-25.9%-31.1%-4.8%
Adj EPS-29%NA-56.6%NA
BVPS-15.8%-7.6%-22.1%0.8%
Share Price -13.2% 0.4% -7.2% -7.9%

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 (%)4.90.4-56.7-20.6-227.6267.433-323.1-366.48.568.5
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)3.90.2-19.8-7.3-50.830.34.9-42.6-32.30.817.2

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 137.6798.9561.6142.9317.2529.0511.3350.123.808.18
Interest Income131.2595.7253.3840.3315.907.1210.888.253.743.56
Other Income 20.9217.9641.1210.9345.151.223.0957.0312.920.34
Exceptional Items 6.423.238.232.601.3621.930.4441.880.064.62
Expenditure + 127.7397.5795.2945.3264.4410.8014.2168.1220.716.94
Interest Expense 67.8954.6034.3220.237.850.200.130.150.221.16
Operating Expenses 38.9225.0119.8614.1611.439.3910.9910.947.575.45
Provisions 20.9217.9641.1210.9345.151.223.0957.0312.920.34
Exceptional Items 000008.656.63000
Profit Before Tax 9.951.38-33.69-2.40-47.1926.903.74-18-16.921.24
Taxes 3.521.02-3.405.91-11.017.860.158.64-3.230.94
Profit After Tax 6.430.36-30.28-8.30-36.1819.043.59-26.64-13.690.30
Adjusted EPS (₹)3.50.2-16.5-4.5-19.710.42.0-14.5-7.50.2
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Valuation of Intec Capital - 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 +168.54168.35138.0789.4353.2072.2775.7949.1735.5035.79
Share Capital 18.3718.3718.3718.3718.3718.3718.3718.3718.3718.37
Reserves 150.17149.98119.7071.0634.8453.9057.4230.8117.1417.42
Short term borrowings240.38191.17133.2279.0970.4957.3148.0244.7852.9022.85
Long Term Borrowings186.7882.1577.594.01-20.34-12.66-17.67-10-19.75-2.89
Current Liabilities 365.17304.30231.2886.9375.5660.6351.5747.9758.1028.49
Trade Payables2.05000000000
Other Liabilities-242.43-191.17-133.22-79.09-70.49-57.31-48.02-44.78-52.90-22.85
Total Liabilities 720.49554.80446.94180.37108.43120.24109.6987.1573.8561.39

Assets

Non Current Asset +460.40296.35173.7314.0414.6825.429.368.9764.3857.83
Loan Asset 0000000061.4955
Other Non Current Asset 460.40296.35173.7314.0414.6825.429.368.972.892.84
Current Asset +260.09258273.02166.1493.7594.82100.3278.189.473.56
Current Investment0000000000
Other Current Asset260.09258273.02166.1493.7594.82100.3278.189.473.56
Total Assets 720.49554.80446.94180.37108.43120.24109.6987.1573.8561.39

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity -13.77158.49139.95102.8631.574.8211.261.492.849.88
Cash Flow From Investing Activity -0.28-0.05-0.3211.390.27-1.20-0.07-0.170.031.04
Cash Flow From Financing Activity -18.48-158.62-141.64-112.55-32.16-4.94-8.08-4.241.18-15.41
Net Cash Flow -32.52-0.18-2.021.70-0.32-1.323.11-2.914.05-4.49

Financial Ratio

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

Operational & Financial Ratios

EPS (₹)3.500.20-16.50-4.50-19.7010.402-14.50-7.500.20
DPS (₹)0000000000
BVPS (₹)91.891.475.148.62939.441.326.819.319.5

Performance Ratios

ROA (%)0.90.1-6.1-2.7-25.116.73.1-27.1-17.00.4
ROE (%)3.90.2-19.8-7.3-50.830.34.9-42.6-32.30.8
ROCE (%)11.59.50.26.6-23.419.22.8-15.2-17.32.9

Valuation Parameters

Price/Book(x)0.70.50.50.71.20.30.60.60.90.8

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

Intec Capital Ltd FAQs

The current trading price of Intec Capital on 22-Jun-2026 16:59 is ₹15.18.

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 21-Jun-2026 the market cap of Intec Capital stood at ₹27.88 Cr

The latest P/E ratio of Intec Capital as of 21-Jun-2026 is 3.74.

The latest P/B ratio of Intec Capital as of 21-Jun-2026 is 0.64.

The 52-week high of Intec Capital is ₹18.84 and the 52-week low is ₹8.67.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Intec Capital is ₹10.89 ( Cr.) .

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

The key valuation ratios of Intec Capital Ltd's currently when compared to its past seem to suggest it is in the Fair zone.

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

About Intec Capital Ltd

Intec Securities (ISL), an Intec Group company, was incorporated in 1994 and turned public limited in 1995. Intec Securities Limited has emerged as one of the most preferred financial service provider in the area of industrial equipment and working capital term loan catering mainly to Small and Medium Enterprises (SME’s) ranging financing amount up to 100 lakh. An ISO 9001:2000 certified with DNV, Holland, ISL is registered with Reserve Bank of India and Listed on Delhi and Bombay Stock Exchange.

The Group's mission is to be a world-class Indian financial institution. The objective is to build sound customer franchises across distinct businesses so as to be the preferred provider of financial services for target retail and small medium enterprises (SME’s) segments, and to achieve healthy growth in profitability, consistent with the companies risk appetite.

Intec has developed significant expertise in retail loans to different market segments and also has a large corporate client base for its capital expansion related credit facilities. With its experience in the financial markets, a strong market reputation, large customer base and unique disbursement process, INTEC has ideally positioned itself to promote a “an institution with a difference” in the Indian environment.

Intec Securities Limited is committed to maintain the highest level of ethical standards, professional integrity, corporate governance and regulatory compliance. Intec Group business philosophy is based on four core values – Operational Excellence, Customer Focus, Product Leadership and People Management.

Intec Finance, a financial arm of Intec Group of companies, is at the forefront of financial innovation, customized solutions and strong investor relationships. Intec Finance consists of three group companies -- Intec Securities Limited, Unitel Credit Pvt. Ltd. and Modern Credit Pvt. Ltd.

Area of business:

Intec Securities is a dedicated non-banking financial institution providing cost effective, innovative, financial solutions to the SME sector.

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