BSE:531841

Stock Analysis Report

NOT FOR DISTRIBUTION
Header cover image

Executive Summary

Indus Finance Limited, a non-banking finance company, engages in the lending business in India.


Snowflake Analysis

Imperfect balance sheet and overvalued.

Share Price & News

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


Latest Share Price and Events

Stable Share Price: 531841 has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

0%

531841

3.8%

IN Consumer Finance

2.3%

IN Market


1 Year Return

-33.2%

531841

-3.2%

IN Consumer Finance

2.5%

IN Market

Return vs Industry: 531841 underperformed the Indian Consumer Finance industry which returned -3.2% over the past year.

Return vs Market: 531841 underperformed the Indian Market which returned 2.5% over the past year.


Shareholder returns

531841IndustryMarket
7 Day0%3.8%2.3%
30 Day-5.0%3.1%4.2%
90 Day-5.1%44.0%22.1%
1 Year-33.2%-33.2%-0.6%-3.2%4.4%2.5%
3 Year-46.7%-46.7%46.1%37.4%5.3%0.3%
5 Year-49.0%-52.5%184.0%159.2%29.9%20.2%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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

36.94x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate 531841's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate 531841's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: 531841 is poor value based on its PE Ratio (36.9x) compared to the IN Consumer Finance industry average (11.3x).

PE vs Market: 531841 is poor value based on its PE Ratio (36.9x) compared to the Indian market (13.8x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate 531841's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: 531841 is good value based on its PB Ratio (0.4x) compared to the IN Consumer Finance industry average (0.5x).


Next Steps

Future Growth

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

31.4%

Forecasted Diversified Financials industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Indus Finance has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has Indus Finance performed over the past 5 years?

-55.9%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 531841 has high quality earnings.

Growing Profit Margin: 531841's current net profit margins (2.2%) are lower than last year (8.5%).


Past Earnings Growth Analysis

Earnings Trend: 531841's earnings have declined by 55.9% per year over the past 5 years.

Accelerating Growth: 531841's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: 531841 had negative earnings growth (-71.4%) over the past year, making it difficult to compare to the Consumer Finance industry average (-2.9%).


Return on Equity

High ROE: 531841's Return on Equity (0.4%) is considered low.


Next Steps

Financial Health

How is Indus Finance's financial position?


Financial Position Analysis

Short Term Liabilities: 531841's short term assets (₹62.7M) exceed its short term liabilities (₹288.0K).

Long Term Liabilities: 531841's short term assets (₹62.7M) do not cover its long term liabilities (₹70.9M).


Debt to Equity History and Analysis

Debt Level: 531841's debt to equity ratio (52.5%) is considered high.

Reducing Debt: 531841's debt to equity ratio has reduced from 192.7% to 52.5% over the past 5 years.

Debt Coverage: 531841's debt is not well covered by operating cash flow (3.4%).

Interest Coverage: Insufficient data to determine if 531841's interest payments on its debt are well covered by EBIT.


Balance Sheet


Next Steps

Dividend

What is Indus Finance current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate 531841's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate 531841's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if 531841's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if 531841's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: 531841 is not paying a notable dividend for the Indian market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of 531841's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

5.4yrs

Average board tenure


CEO

Indus Finance has no CEO, or we have no data on them.


Board Members

NamePositionTenureCompensationOwnership
Bala Kutti
Executive Chairmanno data₹3.60m15.75%
₹ 11.2m
K. R. Sundar
Non-Executive & Independent Director8yrs₹60.00kno data
Alice Chhikara
Non Independent Woman Director5.42yrs₹30.00kno data
Niranjan Jagtap
Non-Executive Independent Director4.75yrs₹60.00kno data

5.4yrs

Average Tenure

Experienced Board: 531841's board of directors are considered experienced (5.4 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

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


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

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


Key Information

  • Name: Indus Finance Limited
  • Ticker: 531841
  • Exchange: BSE
  • Founded: 1992
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: ₹70.826m
  • Shares outstanding: 9.26m
  • Website: https://www.indusfinance.in

Number of Employees


Location

  • Indus Finance Limited
  • 603, Keshava
  • 6th Floor
  • Mumbai
  • Maharashtra
  • 400051
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
531841BSE (Mumbai Stock Exchange)YesEquity SharesININRMay 2005

Biography

Indus Finance Limited, a non-banking finance company, engages in the lending business in India. The company operates in two segments, Non-Banking Finance and Power Generation. It is involved in secured len ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/08/09 12:52
End of Day Share Price2020/07/29 00:00
Earnings2020/03/31
Annual Earnings2020/03/31


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.