BSE:535667

Stock Analysis Report

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Executive Summary

India Finsec Limited, a non-banking finance company, engages in advancing loans, and investing/trading in securities in India.


Snowflake Analysis

Fair value with imperfect balance sheet.

Share Price & News

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


Latest Share Price and Events

Stable Share Price: 535667's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

0%

535667

1.5%

IN Consumer Finance

1.3%

IN Market


1 Year Return

-57.1%

535667

-18.5%

IN Consumer Finance

-8.7%

IN Market

Return vs Industry: 535667 underperformed the Indian Consumer Finance industry which returned -18.5% over the past year.

Return vs Market: 535667 underperformed the Indian Market which returned -8.7% over the past year.


Shareholder returns

535667IndustryMarket
7 Day0%1.5%1.3%
30 Day-12.9%18.3%5.1%
90 Dayn/a33.9%30.2%
1 Year-57.1%-57.1%-17.9%-18.5%-7.0%-8.7%
3 Year-31.1%-31.1%34.6%31.8%1.7%-3.0%
5 Year-25.7%-25.7%143.7%133.8%27.6%17.9%

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 compared to its fair value and its price relative to the market?

10.25x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate 535667's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate 535667's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: 535667 is good value based on its PE Ratio (10.3x) compared to the Consumer Finance industry average (11.9x).

PE vs Market: 535667 is good value based on its PE Ratio (10.3x) compared to the Indian market (12.7x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate 535667's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: 535667 is good value based on its PB Ratio (0.4x) compared to the IN Consumer Finance industry average (0.6x).


Next Steps

Future Growth

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

23.9%

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 India Finsec 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 India Finsec performed over the past 5 years?

4.4%

Last years earnings growth


Earnings and Revenue History

Quality Earnings: 535667 has a high level of non-cash earnings.

Growing Profit Margin: 535667's current net profit margins (19.5%) are lower than last year (26.9%).


Past Earnings Growth Analysis

Earnings Trend: Insufficient data to determine if 535667's year-on-year earnings growth rate was positive over the past 5 years.

Accelerating Growth: Insufficient data to compare 535667's past year earnings growth to its 5-year average.

Earnings vs Industry: 535667 earnings growth over the past year (4.4%) underperformed the Consumer Finance industry 4.4%.


Return on Equity

High ROE: 535667's Return on Equity (4.2%) is considered low.


Next Steps

Financial Health

How is India Finsec's financial position?


Financial Position Analysis

Short Term Liabilities: 535667's short term assets (₹883.0M) exceed its short term liabilities (₹114.3M).

Long Term Liabilities: 535667's short term assets (₹883.0M) exceed its long term liabilities (₹291.8M).


Debt to Equity History and Analysis

Debt Level: 535667's debt to equity ratio (75.2%) is considered high.

Reducing Debt: 535667's debt to equity ratio has increased from 0.2% to 75.2% over the past 5 years.

Debt Coverage: 535667's operating cash flow is negative, therefore debt is not well covered.

Interest Coverage: Insufficient data to determine if 535667's interest payments on its debt are well covered by EBIT.


Balance Sheet


Next Steps

Dividend

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


Dividend Yield vs Market

Notable Dividend: Unable to evaluate 535667's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate 535667'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 535667's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if 535667'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 535667'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?

4.2yrs

Average board tenure


CEO

Gopal Bansal (45yo)

7.5yrs

Tenure

₹2,400,000

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

Compensation vs Market: Gopal's total compensation ($USD32.16K) is below average for companies of similar size in the Indian market ($USD49.50K).

Compensation vs Earnings: Gopal's compensation has increased by more than 20% in the past year.


Board Members

NamePositionTenureCompensationOwnership
Gopal Bansal
Chairman & MD7.5yrs₹2.40m16.4% 33.1m
Mukesh Sharma
Non-Executive Director13.58yrs₹15.00k5.18% 10.5m
Purva Mangal
Non-Executive Independent Director0.83yrno datano data
Saurabh Chhabra
Non-Executive Independent Director0.83yrno datano data

4.2yrs

Average Tenure

41.5yo

Average Age

Experienced Board: 535667's board of directors are considered experienced (4.2 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

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: ₹202.028m
  • Shares outstanding: 24.94m
  • Website: https://www.indiafinsec.com

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, engages in advancing loans, and investing/trading in securities in India. It offers personal and unsecured loans; loans against property; short term and long term loans, and credits; retail IPO funding; inter corporate deposits; and financial and management consultancy services. The company also deals in shares and securities. It serves individuals and companies. India Finsec Limited was founded in 1994 and is based in New Delhi, India. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/07/06 12:43
End of Day Share Price2020/06/15 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.