India Finsec Ltd

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

India Finsec Ltd

₹ 160 1.23%
21 Nov - 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 ₹ 399 Cr.
  • Current Price ₹ 160
  • High / Low ₹ 199 / 47.3
  • Stock P/E 28.5
  • Book Value ₹ 29.7
  • Dividend Yield 0.00 %
  • ROCE 14.1 %
  • ROE 11.8 %
  • Face Value ₹ 10.0
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Pros

  • Company has delivered good profit growth of 33.2% CAGR over last 5 years

Cons

  • Stock is trading at 5.38 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 8.24% over last 3 years.
  • 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

Consolidated Figures in Rs. Crores / View Standalone

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
5.19 6.03 7.91 8.81 10.44 12.31 13.62 14.94 15.86 16.19 16.70 16.55 18.03
2.74 3.33 4.08 4.59 5.46 4.59 5.91 4.67 5.71 5.79 6.46 5.13 4.88
Operating Profit 2.45 2.70 3.83 4.22 4.98 7.72 7.71 10.27 10.15 10.40 10.24 11.42 13.15
OPM % 47.21% 44.78% 48.42% 47.90% 47.70% 62.71% 56.61% 68.74% 64.00% 64.24% 61.32% 69.00% 72.93%
0.01 0.03 0.27 0.02 0.06 0.27 0.90 0.00 0.21 0.19 0.04 0.55 0.05
Interest 1.02 1.67 2.14 2.55 3.49 5.48 5.60 5.72 5.81 6.07 5.73 5.62 6.50
Depreciation 0.19 0.22 1.07 0.60 0.22 1.04 0.51 0.50 0.51 0.53 0.56 0.52 0.66
Profit before tax 1.25 0.84 0.89 1.09 1.33 1.47 2.50 4.05 4.04 3.99 3.99 5.83 6.04
Tax % 24.80% 33.33% 19.10% 29.36% -3.76% 4.76% 58.00% 28.40% 27.48% 23.81% 17.04% 24.70% 25.33%
0.95 0.56 0.72 0.76 1.38 1.40 1.05 2.90 2.93 3.03 3.31 4.39 4.52
EPS in Rs 0.25 0.10 1.18 0.21 0.36 0.39 2.72 0.75 0.72 0.72 1.33 1.76 1.81
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
8 9 7 10 18 18 24 45 64 67
6 7 5 7 9 6 12 21 23 22
Operating Profit 2 3 2 4 9 11 12 25 41 45
OPM % 25% 29% 25% 34% 49% 64% 51% 55% 64% 67%
0 0 0 0 0 0 1 1 0 1
Interest 1 0 0 1 5 5 6 17 23 24
Depreciation 0 0 0 0 1 0 2 2 2 2
Profit before tax 1 2 2 3 4 6 5 6 16 20
Tax % 31% 29% 26% 23% 31% 23% 25% 28% 24%
1 2 2 2 3 5 4 5 12 15
EPS in Rs 0.24 0.69 0.76 0.73 0.71 1.44 2.06 1.23 3.06 5.62
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 44%
3 Years: 53%
TTM: 19%
Compounded Profit Growth
10 Years: %
5 Years: 33%
3 Years: 29%
TTM: 147%
Stock Price CAGR
10 Years: 33%
5 Years: 66%
3 Years: 113%
1 Year: 206%
Return on Equity
10 Years: %
5 Years: 7%
3 Years: 8%
Last Year: 12%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 25 25 25 25 25 25 25 25 25 25
Reserves 17 19 20 22 24 28 33 36 43 49
0 0 0 39 37 51 85 170 183 202
2 0 1 7 13 20 37 48 52 61
Total Liabilities 44 44 47 93 98 123 180 279 304 337
0 0 0 0 2 3 10 9 9 14
CWIP 0 0 0 0 0 0 0 0 0 0
Investments 2 1 2 4 4 11 3 1 0 0
42 42 44 89 93 109 168 269 295 323
Total Assets 44 44 47 93 98 123 180 279 304 337

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-1 10 -0 -41 -3 -5 -42 -90 -15
-1 -0 -0 -3 -1 -8 -1 0 0
1 -0 1 43 -2 14 40 92 13
Net Cash Flow -1 10 0 -1 -6 1 -2 2 -2

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Debtor Days 4 0 0 0 0 8 2 0 0
Inventory Days 120 208 145 759 86
Days Payable 7 0 14 8 8
Cash Conversion Cycle 117 208 131 751 78 8 2 0 0
Working Capital Days 1,972 179 276 94 152 48 -84 -58 -43
ROCE % 6% 4% 5% 9% 10% 8% 11% 14%

Shareholding Pattern

Numbers in percentages

Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
50.77% 50.91% 50.91% 53.95% 53.95% 55.51% 55.51% 60.35% 60.46% 60.46% 60.46% 60.46%
49.23% 49.09% 49.09% 46.06% 46.05% 44.50% 44.49% 39.65% 39.54% 39.53% 39.52% 39.53%
No. of Shareholders 569827817876798793790814812774827857

Documents

Announcements

Annual reports

DRHP