Indo Credit Capital Ltd
Fundamental Score
Indo Credit Capital 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 INDOCRED across key market metrics for learning purposes.
Positive Indicators
4 factors identified
Robust Profit Growth (175.00%)
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 (26.58% 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.
Debt-Free Balance Sheet (D/E: 0.00)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns and flexibility for growth investments.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
8 factors identified
Below-Average Return on Equity (-0.86%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (-0.86%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Margin Pressure Concerns (-190.32%)
Observation: Operating margins are below industry standards.
Analysis: OPM <5% may indicate pricing pressures or cost management challenges. Monitor for operational improvements.
Negative Free Cash Flow (₹-0.20 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.
Low Promoter Commitment (14.51%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment and long-term vision alignment.
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.
Very Low ROE
Observation: Poor capital utilization and shareholder returns.
Analysis: ROE below 5% suggests significant inefficiencies in capital deployment.
Small Market Cap
Observation: Higher investment risk due to limited size.
Analysis: Small-cap stocks typically carry higher volatility and liquidity risks.
Financial Statements
Comprehensive financial data for Indo Credit Capital Ltd
About INDOCRED
Business Overview
Indo Credit Capital Limited, a non-banking finance company, engages in financing and investment activities in India. The company was formerly known as Indo Credit and Investment Company Limited and changed its name to Indo Credit Capital Limited in September 1994. Indo Credit Capital Limited was incorporated in 1993 and is based in Ahmedabad, India.
Company Details
Key Leadership
INDOCRED Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Indo Credit Capital Ltd (INDOCRED)?
As of 02 Jan 2026, 08:26 pm IST, Indo Credit Capital Ltd (INDOCRED) is currently trading at ₹3.42. The stock has a market capitalization of ₹2.47 (Cr).
Is INDOCRED share price Overvalued or Undervalued?
INDOCRED is currently trading at a P/E ratio of 0.00x, compared to the industry average of 22.03x. Based on this relative valuation, the stock appears to be Fairly Valued against its sector peers.
What factors affect the Indo Credit Capital Ltd share price?
Key factors influencing INDOCRED's price include its quarterly earnings growth (Sales Growth: N/A%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Indo Credit Capital Ltd a good stock for long-term investment?
Indo Credit Capital Ltd shows a 5-year Profit Growth of 13.13% and an ROE of -0.86%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.00 before investing.
How does Indo Credit Capital Ltd compare with its industry peers?
Indo Credit Capital Ltd competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare INDOCRED's P/E of 0.00x and ROE of -0.86% against the industry averages to determine its competitive standing.
What is the P/E ratio of INDOCRED and what does it mean?
INDOCRED has a P/E ratio of N/Ax 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 ₹N/A for every ₹1 of annual earnings.
How is INDOCRED performing according to Bull Run's analysis?
INDOCRED has a Bull Run fundamental score of 25.9/100, 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 INDOCRED belong to?
INDOCRED operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting Indo Credit Capital Ltd.
What is Return on Equity (ROE) and why is it important for INDOCRED?
INDOCRED has an ROE of -0.86%, which suggests challenges in generating returns from shareholders' equity. Return on Equity measures how efficiently Indo Credit Capital Ltd generates profits from shareholders' equity.
How is INDOCRED's debt-to-equity ratio and what does it indicate?
INDOCRED has a debt-to-equity ratio of 0.00, which indicates conservative financing with low financial risk. A ratio below 1.0 generally indicates conservative financing.
What is INDOCRED's dividend yield and is it a good dividend stock?
INDOCRED offers a dividend yield of 0.00%, which means you receive ₹0.00 annual dividend for every ₹100 invested.
How has INDOCRED grown over the past 5 years?
INDOCRED has achieved 5-year growth rates of: Sales Growth 26.58%, Profit Growth 13.13%, and EPS Growth 13.13%.
What is the promoter holding in INDOCRED and why does it matter?
Promoters hold 14.51% of INDOCRED shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is INDOCRED's market capitalization category?
INDOCRED has a market capitalization of ₹2 crores, placing it in the Small-cap category.
How volatile is INDOCRED stock?
INDOCRED 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 INDOCRED?
INDOCRED has a 52-week high of ₹N/A and low of ₹N/A.
What is INDOCRED's operating profit margin trend?
INDOCRED has a 5-year average Operating Profit Margin (OPM) of -190.32%, indicating the company's operational efficiency.
How is INDOCRED's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of N/A% and YoY Profit Growth of 175.00%.
What is the institutional holding pattern in INDOCRED?
INDOCRED has FII holding of 0.00% and DII holding of 0.00%. Significant institutional holding often suggests professional confidence in the stock.