India Finsec Ltd
Fundamental Score
India Finsec Ltd Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
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. This indicates quality business fundamentals.
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. This indicates sustainable profitability potential.
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. This suggests positive business trajectory.
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 and market opportunity execution over time.
Excellent EPS Growth (41.62% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential and effective capital allocation over extended periods.
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 and effective operational leverage over time.
Balanced Promoter Holding (55.95%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment while ensuring adequate liquidity.
Risk Factors
9 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. Consider entry timing carefully.
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 and cash flow generation.
Weak Interest Coverage (2.00x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Negative Free Cash Flow (₹-195.78 Cr over 5Y)
Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.
Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.
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 or margin calls.
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. Assess capital allocation strategy.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
High P/E Ratio
Observation: Stock may be overvalued relative to earnings.
Analysis: P/E above 30 requires strong growth execution to justify current valuations.
Financial Statements
Comprehensive financial data for India Finsec Ltd
About IFINSEC
Business Overview
India Finsec Limited, a non-banking financial company, engages in loan and investment activities in India. The company offers financial services, such as Inter Corporate Deposits, advancing Short term loans, Long term loans, credits to individuals and companies, and other services. It also deals in stocks, shares, and securities. The company serves individuals and companies. India Finsec Limited was incorporated in 1994 and is based in New Delhi, India.
Company Details
Key Leadership
IFINSEC Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of India Finsec Ltd (IFINSEC)?
As of 08 Feb 2026, 11:52 am IST, India Finsec Ltd (IFINSEC) is currently trading at ₹170.55. The stock has a market capitalization of ₹547.64 (Cr).
Is IFINSEC share price Overvalued or Undervalued?
IFINSEC 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 stock appears to be Overvalued against its sector peers.
What factors affect the India Finsec Ltd share price?
Key factors influencing IFINSEC's price include its 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.
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's P/E of 43.02x and ROE of 12.91% against the industry averages to determine its competitive standing.
What is the P/E ratio of IFINSEC and what does it mean?
IFINSEC has a P/E ratio of 43.02x compared to the industry average of 22.03x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹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, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
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.
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. Return on Equity measures how efficiently India Finsec Ltd generates profits from shareholders' equity.
How is IFINSEC's 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. A ratio below 1.0 generally indicates conservative financing.
What is IFINSEC's dividend yield and is it a good dividend stock?
IFINSEC offers a dividend yield of 0.00%, which means you receive ₹0.00 annual dividend for every ₹100 invested.
How has IFINSEC 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% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is IFINSEC's market capitalization category?
IFINSEC has a market capitalization 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 stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for IFINSEC?
IFINSEC has a 52-week high of ₹N/A and low of ₹N/A.
What is IFINSEC's 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's quarterly performance?
Recent quarterly performance shows 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 stock.