India Finsec
Close ·
- P/E
- 44.40
Key Fundamentals
MicrocapFinanceFinancial ServicesPrice-based figures at the close · EPS basis: Consolidated · TTM
- Debt to Equity
- 3.11
- EPS (TTM)
- ₹5.63
- Book Value
- ₹47.92
- Market Cap
- —
- P/E (TTM)
- 44.40
- P/B
- 5.22
- ROE
- 12.60%
- Dividend Yield
- 0.00%
- 52W High
- ₹298.80
- 52W Low
- ₹140.10
- ROCE
- Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
- EBITDA
- Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
Tapetide Score
Data-driven rating, 0–100, as of . How it works →
Overall score
Data confidence 94/100
Category scores
- Quality
- 50
- Average
- Returns, margins, earnings quality 22% weight
- Valuation
- 13
- Poor
- Cheap vs sector & own history 24% weight
- Growth
- 80
- Strong
- Sales & profit trajectory 9% weight
- Financial Health
- 39
- Weak
- Solvency, leverage, coverage 9% weight
- Momentum
- 92
- Strong
- Trend strength, vol-adjusted 12% weight
- Ownership
- 50
- Average
- FII/DII/promoter flows 24% weight
The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.
Key Insights
Strengths
2- Company is expected to give good quarter
- Company has delivered good profit growth of 33.7% CAGR over last 5 years
Weaknesses
7- Stock is trading at 5.65 times its book value
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- Company has a low return on equity of 12.6% over last 3 years.
- Promoters have pledged 84.2% of their holding.
- Promoter holding has decreased over last 3 years: -4.37%
- Working capital days have increased from 1,052 days to 1,958 days
Technical Indicators
| Group | Signal | Bearish | Neutral | Bullish |
|---|---|---|---|---|
| Overall | Strong Bullish | 2 | 6 | 11 |
| Oscillators | Bearish | 2 | 6 | 1 |
| Moving Averages | Strong Bullish | 0 | 0 | 10 |
Oscillators
Bearish
Overall
Strong Bullish
Moving Averages
Strong Bullish
Key readings
- RSI (14)
- 53.26
- Neutral
- MACD (12,26,9)
- 1.30
- Bearish
- SMA (50)
- 245.09
- Bullish
- SMA (200)
- 207.18
- Bullish
As of
Growth Rate
From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.
Revenue
| 10Y | +26.66% |
|---|---|
| 5Y | +36.40% |
| 3Y | +23.61% |
| 1Y | +18.06% |
| TTM | +29.42% |
Net profit
| 10Y | +36.22% |
|---|---|
| 5Y | +34.49% |
| 3Y | +63.86% |
| 1Y | +22.22% |
| TTM | +21.85% |
Operating cash flow
Not meaningful
A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.
Revenue by year
| Mar 2017 | ₹9.00 Cr |
|---|---|
| Mar 2018 | ₹7.00 Cr |
| Mar 2019 | ₹10.00 Cr |
| Mar 2020 | ₹18.00 Cr |
| Mar 2021 | ₹18.00 Cr |
| Mar 2022 | ₹24.00 Cr |
| Mar 2023 | ₹45.00 Cr |
| Mar 2024 | ₹64.00 Cr |
| Mar 2025 | ₹72.00 Cr |
| Mar 2026 | ₹85.00 Cr |
Net profit by year
| Mar 2017 | ₹2.00 Cr |
|---|---|
| Mar 2018 | ₹2.00 Cr |
| Mar 2019 | ₹2.00 Cr |
| Mar 2020 | ₹3.00 Cr |
| Mar 2021 | ₹5.00 Cr |
| Mar 2022 | ₹4.00 Cr |
| Mar 2023 | ₹5.00 Cr |
| Mar 2024 | ₹12.00 Cr |
| Mar 2025 | ₹18.00 Cr |
| Mar 2026 | ₹22.00 Cr |
Quarterly Results
₹ Cr| Particulars | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 14.94 | 15.86 | 16.19 | 16.7 | 16.55 | 18.03 | 18.53 | 18.05 | 18.58 | 20.17 | 21.59 | 24.41 | 28.55 |
| Expenses | 4.67 | 5.71 | 5.79 | 6.46 | 5.13 | 4.88 | 5.3 | 4.77 | 4.54 | 4.94 | 5.09 | 5.83 | 6.04 |
| Financing Profit | 4.55 | 4.34 | 4.33 | 4.51 | 5.8 | 6.65 | 6.74 | 6.61 | 7.56 | 8.15 | 7.82 | 7.62 | 9.44 |
| Fin. Margin % | 30.46% | 27.36% | 26.74% | 27.01% | 35.05% | 36.88% | 36.37% | 36.62% | 40.69% | 40.41% | 36.22% | 31.22% | 33.06% |
| Other Income | 0 | 0.21 | 0.19 | 0.04 | 0.55 | 0.05 | 0.07 | 0.1 | 0.12 | 0.28 | −0.11 | 1.04 | 0.74 |
| Interest | 5.72 | 5.81 | 6.07 | 5.73 | 5.62 | 6.5 | 6.49 | 6.67 | 6.48 | 7.08 | 8.68 | 10.96 | 13.07 |
| Depreciation | 0.5 | 0.51 | 0.53 | 0.56 | 0.52 | 0.66 | 0.69 | 0.71 | 0.65 | 0.74 | 0.77 | 0.93 | 0.77 |
| PBT | 4.05 | 4.04 | 3.99 | 3.99 | 5.83 | 6.04 | 6.12 | 6 | 7.03 | 7.69 | 6.94 | 7.73 | 9.41 |
| Tax % | 28.4% | 27.48% | 23.81% | 17.04% | 24.7% | 25.33% | 24.67% | 23.67% | 23.61% | 27.83% | 27.23% | 26.13% | 26.89% |
| Net Profit | 2.9 | 2.93 | 3.03 | 3.31 | 4.39 | 4.51 | 4.61 | 4.57 | 5.35 | 5.54 | 5.05 | 5.72 | 6.89 |
| EPS (₹) | 0.75 | 0.72 | 0.72 | 1.33 | 1.1 | 1.13 | 0.69 | 1.12 | 1.3 | 1.35 | 1.21 | 1.39 | 1.68 |
Profit & Loss
₹ Cr| Particulars | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 8 | 9 | 7 | 10 | 18 | 18 | 24 | 45 | 64 | 72 | 85 | 95 |
| Expenses | 6 | 7 | 5 | 7 | 9 | 6 | 12 | 21 | 23 | 19 | 20 | 22 |
| Financing Profit | 1 | 2 | 2 | 3 | 4 | 7 | 6 | 8 | 18 | 26 | 31 | 33 |
| Fin. Margin % | 13% | 27% | 24% | 27% | 24% | 37% | 27% | 17% | 28% | 37% | 37% | 35% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 1 | 2 |
| Interest | 1 | 0 | 0 | 1 | 5 | 5 | 6 | 17 | 23 | 26 | 33 | 40 |
| Depreciation | 0 | 0 | 0 | 0 | 1 | 0 | 2 | 2 | 2 | 3 | 3 | 3 |
| PBT | 1 | 2 | 2 | 3 | 4 | 6 | 5 | 6 | 16 | 24 | 29 | 32 |
| Tax % | 31% | 29% | 26% | 23% | 31% | 23% | 25% | 28% | 24% | 24% | 26% | — |
| Net Profit | 1 | 2 | 2 | 2 | 3 | 5 | 4 | 5 | 12 | 18 | 22 | 23 |
| EPS (₹) | 0.24 | 0.69 | 0.76 | 0.73 | 0.71 | 1.44 | 2.06 | 1.23 | 3.06 | 4.03 | 5.27 | 5.63 |
| Div. Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | — |
Balance Sheet
₹ Cr| Particulars | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 29 | 29 |
| Reserves | 17 | 19 | 20 | 22 | 24 | 28 | 33 | 36 | 43 | 85 | 100 |
| Borrowing | 0 | 0 | 0 | 39 | 37 | 51 | 85 | 170 | 190 | 198 | 401 |
| Other Liabilities | 2 | 0 | 1 | 7 | 13 | 20 | 37 | 48 | 45 | 51 | 60 |
| Total Liabilities | 44 | 44 | 47 | 93 | 98 | 123 | 180 | 279 | 304 | 363 | 590 |
| Fixed Assets | 0 | 0 | 0 | 0 | 2 | 3 | 10 | 9 | 9 | 13 | 16 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 2 | 1 | 2 | 4 | 4 | 11 | 3 | 1 | 0 | 0 | 0 |
| Other Assets | 42 | 42 | 44 | 89 | 93 | 109 | 168 | 269 | 295 | 350 | 575 |
| Total Assets | 44 | 44 | 47 | 93 | 98 | 123 | 180 | 279 | 304 | 363 | 590 |
Cash Flow
₹ Cr| Particulars | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | −1 | 10 | 0 | −41 | −3 | −5 | −42 | −90 | −15 | −29 | −121 |
| Investing | −1 | 0 | 0 | −3 | −1 | −8 | −1 | 0 | 0 | 3 | −4 |
| Financing | 1 | 0 | 1 | 43 | −2 | 14 | 40 | 92 | 13 | 36 | 170 |
| Net Cash Flow | −1 | 10 | 0 | −1 | −6 | 1 | −2 | 2 | −2 | 10 | 45 |
| Free Cash Flow | −1 | 10 | −1 | −42 | −4 | −7 | −51 | −91 | −16 | −32 | −127 |
| CFO/OP | −45 | 418 | 13 | −1,153 | −12 | −28 | −332 | −358 | −28 | −46 | −188 |
Ratios
| Particulars | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 1% | 4% | 4% | 4% | 4% | 7% | 9% | 5% | 12% | 13% | 13% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view India Finsec insights
47 extracted metrics across FY11–FY27.
Documents
- General announcements 6 Oct 2026
Frequently Asked Questions about India Finsec
What does India Finsec Ltd do?
Where is India Finsec Ltd (IFINSEC) listed?
Which sector does India Finsec Ltd belong to?
What is the PE ratio of India Finsec Ltd?
What is the 52-week high and low of India Finsec Ltd?
What is the Return on Equity (ROE) of India Finsec Ltd?
Company Information
Incorporated in 1994, India FinSec Ltd is in the business of loans and investments
For AI agents and developers
Reading this as an AI agent, LLM or automated pipeline? Every page on Tapetide is also published as clean Markdown — no navigation, no scripts, just the data. Fetch https://tapetide.com/stocks/535667.md for India Finsec Ltd: dated key facts, then this page's sections in order: latest price, key fundamentals, peer comparison, the Tapetide Score, technical indicators, analyst ratings, growth rates, analyst forecasts, the AI analysis and news digest (labelled as AI-generated), financial statements, shareholding pattern, documents and the FAQ.
Append .md to any Tapetide URL for
the same treatment. A full index of what we publish is at /llms.txt and /llms-full.txt. For
live, structured queries instead of documents, use our Indian stock market MCP server.