BSE:531841

Stock Analysis Report

Executive Summary

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

Snowflake

Fundamentals

Moderate growth potential with mediocre balance sheet.

Risks

  • Indus Finance is not covered by any analysts.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

-5.0%

BSE:531841

-3.6%

IN Consumer Finance

-2.1%

IN Market


1 Year Return

-25.0%

BSE:531841

-3.2%

IN Consumer Finance

-14.7%

IN Market

531841 underperformed the Consumer Finance industry which returned -3.1% over the past year.

531841 underperformed the Market in India which returned -14.6% over the past year.


Share holder returns

531841IndustryMarket
7 Day-5.0%-3.6%-2.1%
30 Day-5.4%1.9%-3.9%
90 Dayn/a-10.2%-10.1%
1 Year-25.0%-25.0%-2.5%-3.2%-12.9%-14.7%
3 Year-29.2%-30.9%59.3%56.0%17.7%11.5%
5 Year-71.9%-73.8%233.9%218.2%35.4%22.5%

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 based on future cash flows and its price relative to the stock market?

51.81x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for Indus Finance to establish if it is available at moderate discount.

Unable to calculate intrinsic value for Indus Finance to establish if it is available at substantial discount.


Price Based on Earnings

Indus Finance is overvalued based on earnings compared to the IN Consumer Finance industry average.

Indus Finance is overvalued based on earnings compared to the India market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Indus Finance, we can't assess if its growth is good value.


Price Based on Value of Assets

Indus Finance is good value based on assets compared to the IN Consumer Finance industry average.


Next Steps

Future Growth

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

27.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Indus Finance is high growth as no revenue estimate data is available.

Indus Finance's earnings are expected to grow significantly at over 20% yearly.

Unable to compare Indus Finance's revenue growth to the India market average as no estimate data is available.

Indus Finance's earnings growth is expected to exceed the India market average.

Indus Finance's earnings growth is expected to exceed the low risk savings rate of 7.6%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Indus Finance will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Indus Finance performed over the past 5 years?

-35.3%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Indus Finance's year on year earnings growth rate was negative over the past 5 years and the most recent earnings are below average.

Indus Finance's 1-year earnings growth exceeds its 5-year average (133.3% vs -35.3%)

Indus Finance's earnings growth has exceeded the IN Consumer Finance industry average in the past year (133.3% vs 15%).


Return on Equity

Indus Finance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Indus Finance used its assets less efficiently than the IN Consumer Finance industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Indus Finance improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Indus Finance's financial position?


Financial Position Analysis

Indus Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.

Indus Finance's cash and other short term assets cover its long term commitments.


Debt to Equity History and Analysis

Indus Finance's level of debt (78.8%) compared to net worth is high (greater than 40%).

The level of debt compared to net worth has been reduced over the past 5 years (183.9% vs 78.8% today).

Debt is not well covered by operating cash flow (2%, less than 20% of total debt).

Unable to confirm if the interest payments on Indus Finance's debt are well covered by earnings due to lack of past financial data.


Balance Sheet

Low level of unsold assets.

Debt is covered by short term assets, assets are 1.4x debt.


Next Steps

Dividend

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


Dividend Yield and Payments Analysis

Unable to evaluate Indus Finance's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Indus Finance's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Indus Finance has not reported any payouts.

Unable to verify if Indus Finance's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Indus Finance has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

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

4.4yrs

Average board tenure


CEO

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


Board Age and Tenure

4.4yrs

Average Tenure

The tenure for the Indus Finance board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Bala Kutti (54yo)

    Executive Chairman

    • Tenure: 0.0yrs
    • Compensation: ₹2.40m
  • K. Dinakar (55yo)

    Company Secretary & Head of Compliance

    • Tenure: 0.0yrs
  • N. Chakkera

    Executive Director

    • Tenure: 0.0yrs
    • Compensation: ₹1.58m
  • V. Kannappan

    Chief Financial Officer

    • Tenure: 0.0yrs
    • Compensation: ₹1.32m

Board Members

  • Bala Kutti (54yo)

    Executive Chairman

    • Tenure: 0.0yrs
    • Compensation: ₹2.40m
  • K. R. Sundar

    Non-Executive & Independent Director

    • Tenure: 7.0yrs
    • Compensation: ₹60.00k
  • Alice Chhikara

    Woman Director

    • Tenure: 4.4yrs
    • Compensation: ₹20.00k
  • Niranjan Jagtap (73yo)

    Non-Executive Independent Director

    • Tenure: 3.8yrs
    • Compensation: ₹60.00k

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: ₹100.730m
  • 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 lending business in India. The company operates through two segments, Non-Banking Finance and Power Generation. It is involved in secured le ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 12:31
End of Day Share Price2019/08/21 00:00
Earnings2019/03/31
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.