India Finsec Ltd Stock Price Today (NSE: IFINSEC)
Fundamental Score
India Finsec Ltd Share Price Live NSE/BSE & Institutional Fundamental Analysis
India Finsec Ltd share price today is ₹168.05, up +0.00% on NSE/BSE as of 18 February 2026. India Finsec Ltd (IFINSEC) is a Small-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹547.64 (Cr). The 52-week high for IFINSEC share price is ₹N/A and the 52-week low is ₹N/A. At a P/E ratio of 43.02x, IFINSEC is currently trading above its industry average P/E of 22.03x. The company has a Return on Equity (ROE) of 12.91% and a debt-to-equity ratio of 2.06.
India Finsec Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
India Finsec Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Financial Analysis of Finsec Share Price: A Stability Assessment
The non-banking financial company (NBFC) sector is currently navigating a landscape of increased regulatory scrutiny, particularly regarding asset-liability management and capital adequacy. This heightened focus impacts investor sentiment and consequently, valuations within the sector. This analysis examines the financial stability of India Finsec Ltd, focusing on its current metrics. Currently, the Finsec share price stands at ₹170.550003, with a Price-to-Earnings (PE) ratio of 43.02 and a Return on Capital Employed (ROCE) of 15.02%.
The elevated PE ratio suggests that the market has high growth expectations for India Finsec Ltd. However, it also implies a greater susceptibility to price corrections if future earnings growth fails to meet these expectations. A crucial aspect is comparing India Finsec Ltd with its peers. For example, while Apollo Finvest
Apollo Finvest might have a different PE ratio, an investigation into the management quality and risk management practices of both entities can reveal crucial insights into their long-term sustainability. A deeper dive into management expertise and strategic execution can clarify whether Finsec's valuation is justified.The ROCE of 15.02% is a positive indicator, suggesting that India Finsec Ltd is effectively utilizing its capital to generate profits. This level of ROCE can contribute to building a competitive "moat" if consistently maintained and reinvested strategically. It allows the company to fund future growth, withstand economic downturns, and potentially offer better pricing or services than competitors. However, sustainability of this ROCE needs continual assessment against evolving market dynamics and regulatory changes, particularly related to NBFCs.
This financial analysis of Finsec share price is part of a comprehensive 80-parameter fundamental audit verified by Sweta Mishra. It aims to objectively assess the company's financial health based on publicly available data. The analysis employs observational language and is intended for informational purposes only. It is not a recommendation to buy, sell, or hold any securities.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
India Finsec Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of IFINSEC across key market metrics for learning purposes.
Positive Indicators
7 factors identified
Excellent ROCE Performance (15.02%)
Observation: Superior returns on capital employed across business operations.
Analysis: ROCE >15% demonstrates efficient capital deployment and strong operational performance.
Strong Operating Margins (63.48%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Robust Profit Growth (38.87%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
Consistent Growth Track Record (32.34% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Excellent EPS Growth (41.62% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (46.15% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Balanced Promoter Holding (55.95%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment.
Risk Factors
6 factors identified
Premium Valuation Risk (P/E: 43.02x)
Observation: High valuation multiples may limit upside potential.
Analysis: Elevated P/E ratios require strong growth execution to justify current valuations.
Elevated Debt Levels (D/E: 2.06)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (2.00x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-195.78 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
High Share Pledging Risk (71.15%)
Observation: Significant promoter share pledging creates potential overhang.
Analysis: High pledging levels may create selling pressure during market downturns.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
India Finsec Ltd Financial Statements
Comprehensive financial data for India Finsec Ltd including income statement, balance sheet and cash flow
About IFINSEC (India Finsec Ltd)
India Finsec Ltd (IFINSEC) is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) of India. The company operates in the Non Banking Financial Company (NBFC) sector with a current market capitalisation of ₹547.64 (Cr). India Finsec Ltd has delivered a Return on Equity (ROE) of 12.91% and a ROCE of 15.02%. The debt-to-equity ratio stands at 2.06, reflecting the company's capital structure. Investors tracking IFINSEC share price can monitor key metrics including P/E ratio, promoter holding of 55.95%, and quarterly earnings growth.
Company Details
Key Leadership
IFINSEC Share Price: Frequently Asked Questions
What is the current share price of India Finsec Ltd (IFINSEC)?
As of 18 Feb 2026, 07:22 am IST, India Finsec Ltd share price is ₹168.05. The IFINSEC stock has a market capitalisation of ₹547.64 (Cr) on NSE/BSE.
Is IFINSEC share price Overvalued or Undervalued?
IFINSEC share price is currently trading at a P/E ratio of 43.02x, compared to the industry average of 22.03x. Based on this relative valuation, the India Finsec Ltd stock appears to be Overvalued against its sector peers.
What is the 52-week high and low of IFINSEC share price?
The 52-week high of IFINSEC share price is ₹N/A and the 52-week low is ₹N/A.
What factors affect the India Finsec Ltd share price?
Key factors influencing IFINSEC share price include quarterly earnings growth (Sales Growth: 11.87%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is India Finsec Ltd a good stock for long-term investment?
India Finsec Ltd shows a 5-year Profit Growth of 46.15% and an ROE of 12.91%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 2.06 before investing in IFINSEC shares.
How does India Finsec Ltd compare with its industry peers?
India Finsec Ltd competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare IFINSEC share price P/E of 43.02x and ROE of 12.91% against the industry averages to determine competitive standing.
What is the P/E ratio of IFINSEC and what does it mean?
IFINSEC share price has a P/E ratio of 43.02x compared to the industry average of 22.03x. Investors pay ₹43 for every ₹1 of annual earnings.
How is IFINSEC performing according to Bull Run's analysis?
IFINSEC has a Bull Run fundamental score of 37.5/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does IFINSEC belong to?
IFINSEC operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting India Finsec Ltd share price.
What is Return on Equity (ROE) and why is it important for IFINSEC?
IFINSEC has an ROE of 12.91%, which shows decent profitability but room for improvement. ROE measures how efficiently India Finsec Ltd generates profits from shareholders capital.
How is IFINSEC debt-to-equity ratio and what does it indicate?
IFINSEC has a debt-to-equity ratio of 2.06, which indicates high leverage that increases financial risk.
What is IFINSEC dividend yield and is it a good dividend stock?
IFINSEC offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in India Finsec Ltd shares.
How has IFINSEC share price grown over the past 5 years?
IFINSEC has achieved 5-year growth rates of: Sales Growth 32.34%, Profit Growth 46.15%, and EPS Growth 41.62%.
What is the promoter holding in IFINSEC and why does it matter?
Promoters hold 55.95% of IFINSEC shares, with 71.15% pledged. High promoter holding often indicates strong management confidence in India Finsec Ltd.
What is IFINSEC market capitalisation category?
IFINSEC has a market capitalisation of ₹548 crores, placing it in the Small-cap category.
How volatile is IFINSEC stock?
IFINSEC has a beta of N/A. A beta > 1 suggests the India Finsec Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is IFINSEC operating profit margin trend?
IFINSEC has a 5-year average Operating Profit Margin (OPM) of 63.48%, indicating the company's operational efficiency.
How is IFINSEC quarterly performance?
Recent quarterly performance shows India Finsec Ltd YoY Sales Growth of 11.87% and YoY Profit Growth of 38.87%.
What is the institutional holding pattern in IFINSEC?
IFINSEC has FII holding of 0.00% and DII holding of 0.00%. Significant institutional holding often suggests professional confidence in the India Finsec Ltd stock.