BSE:531505

Stock Analysis Report

Executive Summary

Indergiri Finance Limited provides financial services in India.

Snowflake

Fundamentals

Moderate growth potential and overvalued.

Share Price & News

How has Indergiri Finance's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

531505

4.3%

IN Diversified Financial

3.3%

IN Market


1 Year Return

0%

531505

3.5%

IN Diversified Financial

7.1%

IN Market

Return vs Industry: 531505 underperformed the Indian Diversified Financial industry which returned 3.5% over the past year.

Return vs Market: 531505 underperformed the Indian Market which returned 7.1% over the past year.


Shareholder returns

531505IndustryMarket
7 Day0%4.3%3.3%
30 Dayn/a-1.6%2.9%
90 Dayn/a-6.9%3.1%
1 Year0%0%5.8%3.5%9.4%7.1%
3 Yearn/a3.2%-5.4%22.7%16.4%
5 Year42.4%42.4%21.5%-5.5%44.0%30.4%

Price Volatility Vs. Market

How volatile is Indergiri Finance's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Indergiri Finance undervalued compared to its fair value and its price relative to the market?

75.3x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate 531505's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate 531505's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: 531505 is poor value based on its PE Ratio (75.3x) compared to the Diversified Financial industry average (11.9x).

PE vs Market: 531505 is poor value based on its PE Ratio (75.3x) compared to the Indian market (13x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate 531505's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: 531505 is good value based on its PB Ratio (0.5x) compared to the IN Diversified Financial industry average (0.5x).


Next Steps

Future Growth

How is Indergiri Finance forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

31.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: 531505's forecast earnings growth (31.1% per year) is above the savings rate (7.6%).

Earnings vs Market: 531505's earnings (31.1% per year) are forecast to grow faster than the Indian market (18.3% per year).

High Growth Earnings: earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: Insufficient data to determine if 531505's revenue is forecast to grow faster than the Indian market.

High Growth Revenue: Insufficient data to determine if 531505's revenue is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: Insufficient data to determine if 531505's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

How has Indergiri Finance performed over the past 5 years?

28.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: 531505 has become profitable over the past 5 years, growing earnings by 28% per year.

Accelerating Growth: 531505's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: 531505 had negative earnings growth (-21.3%) over the past year, making it difficult to compare to the Diversified Financial industry average (13%).


Return on Equity

High ROE: 531505's Return on Equity (0.7%) is considered low.


Return on Assets

ROA vs Industry: 531505's Return on Assets is below or equal to the Diversified Financial industry average last year.


Return on Capital Employed

ROCE Improving: 531505's Return on Capital Employed has declined over the past 3 years.


Next Steps

Financial Health

How is Indergiri Finance's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Inventory Level: 531505 has a low level of unsold assets or inventory.

Debt Coverage by Assets: Insufficient data to determine if 531505's debt is covered by short term assets.


Financial Institutions Analysis

Asset Level: 531505's level of assets compared to its equity is low.

Allowance for Bad Loans: Insufficient data to determine if 531505 has a sufficient allowance for bad loans.

Low Risk Liabilities: 531505 reports no customer deposits, loans are made up entirely of externally borrowed funds.

Loan Level: Insufficient data to determine if 531505 has an acceptable proportion of non-loan assets held.

Low Risk Deposits: 531505 has advanced significantly more loans than the customer deposits it holds.

Level of Bad Loans: Insufficient data to determine if 531505 has an appropriate level of bad loans.


Next Steps

Dividend

What is Indergiri Finance's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

companyn/amarketbottom25%0.6%markettop25%2.4%industryaverage3.2%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: Unable to evaluate 531505's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate 531505's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.

Stable Dividend: Insufficient data to determine if 531505's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if 531505's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of 531505's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.


Next Steps

Management

What is the CEO of Indergiri Finance's salary, the management and board of directors tenure and is there insider trading?

10.3yrs

Average board tenure


CEO

Laxmi Sharma (60yo)

0yrs

Tenure

₹360,000

Compensation

Mr. Laxmi Narayan Sharma serves as the Chief Executive Officer and Managing Director of Indergiri Finance Ltd and serves as its Chief Financial Officer since March 23, 2019. Mr. Sharma served as the Chief  ...


CEO Compensation Analysis

Compensation vs. Market: Insufficient data to establish whether Laxmi's total compensation is reasonable compared to companies of similar size in the Indian market.

Compensation vs Earnings: Laxmi's compensation has been consistent with company performance over the past year.


Board Age and Tenure

10.3yrs

Average Tenure

59yo

Average Age

Experienced Board: 531505's board of directors are seasoned and experienced ( 10.3 years average tenure).


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown


Management Team

  • Laxmi Sharma (60yo)

    CEO, MD

    • Tenure: 0yrs
    • Compensation: ₹360.00k
  • Ramjeet Yadav

    Company Secretary & Compliance Officer

    • Tenure: 2.2yrs
    • Compensation: ₹360.00k

Board Members

  • Laxmi Sharma (60yo)

    CEO, MD

    • Tenure: 0yrs
    • Compensation: ₹360.00k
  • Kishan Sharma (58yo)

    Non-Executive Director

    • Tenure: 24.6yrs
  • Beni Rauka (55yo)

    Independent Director

    • Tenure: 24.6yrs
  • Dinesh Babel (76yo)

    Additional Independent Director

    • Tenure: 0.2yrs
  • Vinod Sharma (66yo)

    Independent Chairman

    • Tenure: 4.3yrs
  • Poonam Sharma (29yo)

    Woman Director

    • Tenure: 4.3yrs

Company Information

Indergiri Finance Limited.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Indergiri Finance Limited.
  • Ticker: 531505
  • Exchange: BSE
  • Founded: 1995
  • Industry: Other Diversified Financial Services
  • Sector: Diversified Financials
  • Market Cap: ₹25.305m
  • Shares outstanding: 5.06m
  • Website: https://www.indergiri.com

Location

  • Indergiri Finance Limited.
  • Office No. 327, Goyal Trade Centre
  • 3rd Floor
  • Mumbai
  • Maharashtra
  • 400066
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
531505BSE (Mumbai Stock Exchange)YesEquity SharesININRFeb 2004

Biography

Indergiri Finance Limited provides financial services in India. The company offers lending to retail small and medium entrepreneurs, individuals, firms, and corporate bodies. It also undertakes investments ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/22 12:33
End of Day Share Price2019/10/04 00:00
Earnings2019/06/30
Annual Earnings2019/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.