BSE:535667

Stock Analysis Report

Executive Summary

India Finsec Limited, a non-banking finance company, provides various financial services in India.

Snowflake

Fundamentals

Moderate growth potential with mediocre balance sheet.

Risks

  • India Finsec is not covered by any analysts.

Share Price & News

How has India Finsec's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

4.8%

BSE:535667

-1.8%

IN Consumer Finance

-0.7%

IN Market


1 Year Return

-34.3%

BSE:535667

0.5%

IN Consumer Finance

-12.1%

IN Market

535667 underperformed the Consumer Finance industry which returned 0.2% over the past year.

535667 underperformed the Market in India which returned -12.1% over the past year.


Share holder returns

535667IndustryMarket
7 Day4.8%-1.8%-0.7%
30 Day9.5%-4.1%-4.6%
90 Day3.8%-1.2%-4.3%
1 Year-34.3%-34.3%1.1%0.5%-10.3%-12.1%
3 Year155.6%155.6%64.9%61.4%18.9%12.8%
5 Year128.7%128.7%246.0%229.7%37.6%24.7%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

Is India Finsec undervalued based on future cash flows and its price relative to the stock market?

128.76x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for India Finsec to establish if it is available at moderate discount.

Unable to calculate intrinsic value for India Finsec to establish if it is available at substantial discount.


Price Based on Earnings

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

India Finsec is overvalued based on earnings compared to the India market.


Price Based on Expected Growth

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


Price Based on Value of Assets

India Finsec is overvalued based on assets compared to the IN Consumer Finance industry average.


Next Steps

Future Growth

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

22.2%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if India Finsec is high growth as no revenue estimate data is available.

India Finsec's earnings are expected to grow significantly at over 20% yearly.

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

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

India Finsec'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 India Finsec will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has India Finsec performed over the past 5 years?

42.6%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

India Finsec has delivered over 20% year on year earnings growth in the past 5 years.

India Finsec's 1-year earnings growth is negative, it can't be compared to the 5-year average.

India Finsec's 1-year earnings growth is negative, it can't be compared to the IN Consumer Finance industry average.


Return on Equity

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


Return on Assets

India Finsec 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 India Finsec 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 India Finsec's financial position?


Financial Position Analysis

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

India Finsec's cash and other short term assets cover its long term commitments.


Debt to Equity History and Analysis

India Finsec's level of debt (5%) compared to net worth is satisfactory (less than 40%).

The level of debt compared to net worth has increased over the past 5 years (0.2% vs 5% today).

Operating cash flow is negative therefore debt is not well covered.

Unable to confirm if the interest payments on India Finsec'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 34x debt.


Next Steps

Dividend

What is India Finsec's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

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

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

Unable to perform a dividend volatility check as India Finsec has not reported any payouts.

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


Current Payout to Shareholders

Unable to calculate sustainability of dividends as India Finsec 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 India Finsec's salary, the management and board of directors tenure and is there insider trading?

6.6yrs

Average board tenure


CEO

Gopal Bansal (44yo)

6.6yrs

Tenure

₹1,200,000

Compensation

Mr. Gopal Bansal serves as Non executive Director of IFL Enterprises Limited. He was Chairman of IFL Enterprises Limited since March 1, 2016 and was its Managing Director since July 11, 2016 until February ...


CEO Compensation Analysis

Gopal's remuneration is about average for companies of similar size in India.

Gopal's compensation has been consistent with company performance over the past year, both up more than 20%.


Board Age and Tenure

6.6yrs

Average Tenure

43yo

Average Age

The tenure for the India Finsec board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Recent Insider Transactions

Buy₹3,639,41319 Mar 19
Gopal Bansal
EntityIndividual
Role
Chairman & MD
Chairman of the Board
Shares250,995
Max Price₹14.50
Sell₹13,676,30123 Nov 18
Gopal Bansal
EntityIndividual
Role
Chairman & MD
Chairman of the Board
Shares250,000
Max Price₹56.00

Ownership Breakdown


Management Team

  • Gopal Bansal (44yo)

    Chairman & MD

    • Tenure: 6.6yrs
    • Compensation: 1.20m
  • Manoj Gupta

    Chief Financial Officer

    • Compensation: 960.00k
  • Varsha Bharti

    Company Secretary & Compliance Officer

    • Tenure: 2.5yrs
    • Compensation: 313.94k

Board Members

  • Mukesh Sharma (41yo)

    Non-Executive Director

    • Tenure: 6.6yrs
    • Compensation: 245.43k
  • Gopal Bansal (44yo)

    Chairman & MD

    • Tenure: 6.6yrs
    • Compensation: 1.20m
  • Basant Mittal (47yo)

    Non-Executive Independent Director

    • Tenure: 6.7yrs
  • Charu Goyal (42yo)

    Non-Executive Independent Director

    • Tenure: 6.7yrs

Company Information

India Finsec Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: India Finsec Limited
  • Ticker: 535667
  • Exchange: BSE
  • Founded: 1994
  • Industry: consumer finance
  • Sector: diversified financials
  • Market Cap: ₹516.294m
  • Shares outstanding: 24.94m
  • Website: Click here

Location

  • India Finsec Limited
  • Prashant Vihar
  • D-16, First floor
  • New Delhi
  • Delhi
  • 110085
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
535667BSE (Mumbai Stock Exchange)YesEquity SharesININRJun 2013

Biography

India Finsec Limited, a non-banking finance company, provides various financial services in India. The company operates in two segments, Trading in Share and Securities, and Advancing of Loans. It offers p ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/17 12:55
End of Day Share Price2019/08/16 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.