India Finsec Ltd

India Finsec Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

India Finsec Ltd

₹ 130 -4.09%
26 Jul - close price
indiafinsec.com BSE: 535667
About

Incorporated in 1994, IFL Housing Finance Ltd is in the business of providing loans and investments[1]

Key Points

Registration:[1]
Company is registered with RBI as Non Systematically Important Non Deposit taking NBFC - Loan and Investment company

Website BSE
  • Market Cap ₹ 325 Cr.
  • Current Price ₹ 130
  • High / Low ₹ 150 / 26.1
  • Stock P/E 16,237
  • Book Value ₹ 17.9
  • Dividend Yield 0.00 %
  • ROCE 0.20 %
  • ROE 0.04 %
  • Face Value ₹ 10.0
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Pros

  • Company is almost debt free.

Cons

  • Stock is trading at 7.27 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -35.8% over past five years.
  • Company has a low return on equity of 0.12% over last 3 years.
  • Contingent liabilities of Rs.184 Cr.
  • Promoters have pledged 40.5% of their holding.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
0.53 0.18 0.16 0.17 0.35 0.07 0.08 0.09 0.44 0.01 0.01 0.05 0.33
0.04 0.03 -0.03 0.15 0.31 -0.03 0.09 -0.03 0.37 0.07 0.07 0.10 0.06
Operating Profit 0.49 0.15 0.19 0.02 0.04 0.10 -0.01 0.12 0.07 -0.06 -0.06 -0.05 0.27
OPM % 92.45% 83.33% 118.75% 11.76% 11.43% 142.86% -12.50% 133.33% 15.91% -600.00% -600.00% -100.00% 81.82%
0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Interest 0.17 0.07 0.07 0.06 0.16 0.02 0.01 0.00 0.09 0.02 0.02 0.02 0.01
Depreciation 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Profit before tax 0.34 0.08 0.12 -0.04 -0.12 0.08 -0.02 0.12 -0.02 -0.08 -0.08 -0.07 0.26
Tax % -11.76% 25.00% 0.00% 50.00% -25.00% 25.00% 0.00% 25.00% -150.00% -25.00% 25.00% 0.00% 3.85%
0.37 0.05 0.11 -0.06 -0.09 0.06 -0.02 0.09 0.01 -0.06 -0.10 -0.07 0.25
EPS in Rs 0.15 0.02 0.04 -0.02 -0.04 0.02 -0.01 0.04 0.00 -0.02 -0.04 -0.03 0.10
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
4.83 6.81 3.26 7.24 9.12 5.85 3.77 2.92 0.91 0.86 0.68 0.41
4.45 6.68 3.11 5.48 6.66 4.16 3.22 3.99 0.60 0.47 0.41 0.31
Operating Profit 0.38 0.13 0.15 1.76 2.46 1.69 0.55 -1.07 0.31 0.39 0.27 0.10
OPM % 7.87% 1.91% 4.60% 24.31% 26.97% 28.89% 14.59% -36.64% 34.07% 45.35% 39.71% 24.39%
0.00 0.00 0.00 0.00 0.00 0.04 0.00 0.02 0.01 0.00 0.00 0.00
Interest 0.17 0.04 0.01 0.91 0.02 0.03 0.08 0.28 0.27 0.35 0.11 0.07
Depreciation 0.07 0.07 0.10 0.05 0.04 0.05 0.05 0.15 0.02 0.01 0.01 0.01
Profit before tax 0.14 0.02 0.04 0.80 2.40 1.65 0.42 -1.48 0.03 0.03 0.15 0.02
Tax % 28.57% 50.00% 50.00% 30.00% 29.58% 25.45% 23.81% 0.68% -33.33% 33.33% 13.33% 50.00%
0.10 0.02 0.02 0.56 1.70 1.23 0.33 -1.49 0.03 0.01 0.13 0.02
EPS in Rs 0.07 0.01 0.01 0.22 0.68 0.49 0.13 -0.60 0.01 0.00 0.05 0.01
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: -25%
5 Years: -36%
3 Years: -23%
TTM: -40%
Compounded Profit Growth
10 Years: 0%
5 Years: -43%
3 Years: -13%
TTM: -85%
Stock Price CAGR
10 Years: 30%
5 Years: 47%
3 Years: 128%
1 Year: 373%
Return on Equity
10 Years: 1%
5 Years: -1%
3 Years: 0%
Last Year: 0%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 13.44 19.44 24.94 24.94 24.94 24.94 24.94 24.94 24.94 24.94 24.94 24.94
Reserves 15.38 15.40 16.30 16.69 18.49 19.73 20.86 19.24 19.56 19.58 19.71 19.73
1.64 0.06 0.02 0.32 0.01 0.00 2.60 0.94 4.69 2.25 0.90 0.78
0.25 0.10 0.15 0.23 0.14 0.15 0.22 0.31 0.07 0.08 0.08 0.26
Total Liabilities 30.71 35.00 41.41 42.18 43.58 44.82 48.62 45.43 49.26 46.85 45.63 45.71
0.14 2.84 0.11 0.10 0.06 0.14 0.09 0.31 0.05 0.03 0.03 0.03
CWIP 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Investments 0.00 0.00 0.00 1.42 11.92 18.62 40.25 40.28 39.72 39.72 42.77 42.77
30.57 32.16 41.30 40.66 31.60 26.06 8.28 4.84 9.49 7.10 2.83 2.91
Total Assets 30.71 35.00 41.41 42.18 43.58 44.82 48.62 45.43 49.26 46.85 45.63 45.71

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
0.02 -3.03 -7.82 -0.22 10.40 7.76 18.39 1.92 -4.25 3.67 3.94 -0.11
-0.11 -2.74 2.68 -1.38 -10.50 -6.83 -21.84 -0.21 0.74 0.00 -2.66 0.05
-0.03 5.98 6.37 0.29 -0.01 0.00 2.52 -1.66 3.48 -3.15 -1.47 0.00
Net Cash Flow -0.12 0.21 1.23 -1.31 -0.11 0.93 -0.92 0.05 -0.03 0.53 -0.19 -0.07

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Debtor Days 12.09 35.37 17.91 0.00 0.00 0.00 0.00 0.00 156.43 46.69 0.00 0.00
Inventory Days 88.51 59.52 291.01 114.74 207.50 145.22 758.71 85.81
Days Payable 2.98 1.82 12.33 0.00 0.00 0.00 4.10 1.28
Cash Conversion Cycle 97.62 93.07 296.60 114.74 207.50 145.22 754.61 84.53 156.43 46.69 0.00 0.00
Working Capital Days 2,284.46 1,703.33 4,449.42 2,036.24 178.50 473.56 273.99 311.25 1,187.25 1,179.88 1,121.84 -17.80
ROCE % 0.91% 0.18% 0.13% 4.11% 5.67% 3.81% 1.07% -2.61% 0.64% 0.79% 0.56% 0.20%

Shareholding Pattern

Numbers in percentages

Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024
47.82% 50.77% 50.91% 50.91% 53.95% 53.95% 55.51% 55.51% 60.35% 60.46% 60.46% 60.46%
52.18% 49.23% 49.09% 49.09% 46.06% 46.05% 44.50% 44.49% 39.65% 39.54% 39.53% 39.52%
No. of Shareholders 439569827817876798793790814812774827

Documents

Announcements

Annual reports

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