Indostar Capital Finance Ltd Stock Analysis

BSE: 541336 | NSE: INDOSTAR | Finance - NBFC | Small Cap

BSE Share Price 06-Feb-2023 18:01
153.50 0.15 (0.10%)

DeciZen - Make an Informed Decision on Indostar Capital Fin

Overall Rating

1. Quality

2. Valuation

Somewhat Undervalued

3. Price Trend

Indostar Capital Fin Price Chart

P/E Ratio ( CD) :
0.00
Market Cap :
2,088.8 Cr.
52-wk low :
116.8
52-wk high :
276.7
Bole Toh?

1. Is Indostar Capital Finance Ltd a good quality company?

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

2. Is Indostar Capital Finance Ltd undervalued or overvalued?

The key valuation ratios of Indostar Capital Finance Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.

3. Is Indostar Capital Finance Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Indostar Capital Finance 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 Indostar Capital Fin:

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.
Indostar Capital Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22TTM
Operating Income (₹ Cr.)03955286447197891,2061,5971,2801,1631,231
YoY Gr. Rt. %-NA33.8%22%11.7%9.7%52.8%32.5%-19.9%-9.1%-
Adj EPS (₹ ) 016.421.826.126.925.526.1-35.1-17.3-54.1-46.1
YoY Gr. Rt. %-NA32.9%19.9%3%-5.4%2.5%-234.5%NANA-
BVPS (₹ )0166.2188210.2242.8256.6318.6280.8293.6210224.2
YoY Gr. Rt. %-NA13.1%11.8%15.5%5.7%24.2%-11.9%4.6%-28.5%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)03.444.34.23.22.5-2.9-2.2-7.60

CAGR

CAGR Colour Code Guide
9 Years 5 Years 3 Years 1 Years
Net Interest IncomeNA10.1%-1.2%-9.1%
Adj EPSNA-215%-227.5%NA
BVPSNA-2.9%-13%-28.5%
Share Price - - -19% -42.2%

Key Financial Ratios

RATIOS \ YEARSMar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22TTM
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 (%)028.428.229.829.325.420-20.3-16.7-63.3-50.9
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)09.912.313.612.210.29.7-11.7-6.9-22.7-20.5

Recent Performance Summary

No data to display

Return on Equity is Poor

Total Income has declined 7.60 CAGR in last 3 years

Net Profit has declined -227.52 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials - Indostar Capital Finance Ltd.

Standalone Consolidated
TTM EPS (₹) -49.8 -46.1
TTM Sales (₹ Cr.) 1,038 1,231
BVPS (₹.) 218.2 224.2
Reserves (₹ Cr.) 2,834 2,914
P/BV 0.70 0.68
PE 0.00 0.00
From the Market
52 Week Low / High (₹) 116.80 / 276.70
All Time Low / High (₹) 116.80 / 606.60
Market Cap (₹ Cr.) 2,089
Equity (₹ Cr.) 136.1
Face Value (₹) 10
Industry PE 25.5

Management X-Ray of Indostar Capital Fin :

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 (%)

Event Update

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Analyst's Notes

Key Ratios of Indostar Capital Fin

Adj EPS (Rs.)
Total Income (Cr.)
ROE (%)
BVPS (Rs.)

News

Indostar Capital Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Indostar Capital Fin on 06-Feb-2023 18:01 is : 153.5.
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 06-Feb-2023 18:01 the market cap of Indostar Capital Fin stood at ₹ 2,088.8.
The latest PE ratio of Indostar Capital Fin as of 06-Feb-2023 18:01 is 0.00.
The latest PB ratio of Indostar Capital Fin as of 06-Feb-2023 18:01 is 0.70
The 52-week high of Indostar Capital Fin is ₹ 276.7 and the 52-week low is ₹ 116.8.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue / sales of Indostar Capital Fin is ₹ 1,038 ( Cr.) .

About Indostar Capital Finance Ltd

The company was incorporated on July 21, 2009 as ‘R V Vyapaar Private Limited’, a private limited company under the Companies Act, 1956, with a certificate of incorporation issued by the Registrar of Companies, West Bengal. For business and commercial reasons, the name of company was subsequently changed to ‘IndoStar Capital Finance Private Limited’ pursuant to a special resolution passed by the shareholders of company on November 8, 2010. A fresh certificate of incorporation consequent to change of name was issued by the Registrar of Companies, West Bengal on November 15, 2010. Thereafter, company was converted into a public limited company under the Companies Act, 2013 pursuant to a special resolution passed by the shareholders of company on April 30, 2014. Consequently, the name of Company was changed to ‘IndoStar Capital Finance Limited’ and a fresh certificate of incorporation was issued by the Registrar of Companies, West Bengal on May 28, 2014. Further, the registered office of company was changed from West Bengal to Maharashtra pursuant to a special resolution passed by the shareholders of company on February 16, 2015. Subsequently, an order dated August 25, 2015 was issued by Regional Director (Eastern Region), Ministry of Corporate Affairs, Kolkata confirming the change in the registered office of the company from the state of West Bengal to the state of Maharashtra and a certificate of registration of the order, dated September 8, 2015 was issued by the RoC.

IndoStar is a non-banking finance company ‘NBFC’ registered with the Reserve Bank of India as a systemically important non-deposit taking company. The company is professionally managed and institutionally owned organisation engaged in providing structured term financing solutions to corporates, used and new Vehicle Financing for transporters, Home Finance through our wholly-owned subsidiary IndoStar Home Finance Private Limited and loans to SME borrowers in India.  It has loans that suit the requirements so that your life takes-off.  It is committed to finding new ways to develop value-based and innovative financial solutions for its customers.

Business area of the company

The company operates four principal lines of business, namely corporate lending, SME lending, vehicle financing and housing financing. The company’s corporate lending business primarily consists of lending to mid-to-large sized corporates in manufacturing, services and infrastructure industries, by way of senior secured debt, structured financing, promoter financing and special situation funding and lending to real estate developers, mainly for financing project level construction of residential and commercial building projects and take-out of early-stage equity investors.

IndoStar Products

  • Corporate Lending
  • SME Finance
  • Vehicle Finance
  • Home Finance

Milestones

  • 2009: Incorporation of the company as 'R V Vyapaar Private Limited'.
  • 2010: Registered as a non-public deposit taking non-banking financial company with the RBI.
  • 2010: Change of name to 'IndoStar Capital Finance Private Limited'.
  • 2011: Received investment from Indostar Capital.
  • 2012: The company entered into its first loan facility agreement.
  • 2012: The company received external credit rating of CARE A1+ from CARE for its proposed commercial papers with a limit of Rs 500 million.
  • 2012: Issuance of NCDs worth Rs 2,000 million.
  • 2013: Incorporation of 'IndoStar Asset Advisory Private Limited'.
  • 2014: Conversion to public limited company.
  • 2015: Registered office shifted from Kolkata to Mumbai.
  • 2015: Launch of SME business and disbursement of first SME loan.
  • 2016: Launch of housing finance business and incorporation of 'IndoStar Home Finance Private Limited'.
  • 2016: Implementation of OmniFin.
  • 2017: Disbursement of first housing loan.
  • 2017: Launch of vehicle finance business and disbursement of first vehicle finance loan.
  • 2018: Opening of the 100th branch of the company.
  • 2018: The company reaches employee count of 1,000
  • 2020: Everstone Group inks agreement with Brookfield for investment in IndoStar Capital Finance
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