Incred Financial Services Ltd - Stock Valuation and Financial Performance

BSE: 0 | NSE: | Finance - NBFC | Small Cap

BSE Share Price
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10 Year X-Ray of Incred Financial Ser:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Operating Income (₹ Cr.)
92.4228353569745862737390488864488
YoY Gr. Rt. %
-146.4%55.2%61.1%30.9%15.8%-14.5%-47.1%25.1%76.9%-
Adj EPS (₹ )
1.42.83.55.63.20.5-27.3-30.82.60
YoY Gr. Rt. %
-108.8%23.2%60.6%-43.2%-83.7%-5348.1%NANA235.9%-
BVPS (₹ )
31.434.437.943.553.153.626.323.323.3540
YoY Gr. Rt. %
-9.5%10.2%14.8%22%1%-51%-11.5%0.3%131.4%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
4.985.852.50.4-24-4.41.22.40

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income28.2%3%5.4%76.9%
Adj EPS7.6%-3.9%NA235.9%
BVPS6.2%0.3%27.1%131.4%
Share Price - - - -

Key Financial Ratios

RATIOS \ YEARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)
00000001.71.40-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%)
0000000000-
Margins
Net Profit Margin (%)
42.447.337.637.519.72.8-170.3-35.77.4140
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)
5.39.89.713.87.21-68.3-12.23.46.80

Recent Performance Summary

Recent Performance Summary not available for IPO

Recent Performance Summary not available for IPO

Latest Financials - Incred Financial Services Ltd.

Standalone Consolidated
TTM EPS (₹) 0 -
TTM Sales (₹ Cr.) 488 -
BVPS (₹.) 0 -
Reserves (₹ Cr.) 685 -
P/BV 0.00 -
PE 0.00 -
From the Market
52 Week Low / High (₹) - / -
All Time Low / High (₹) - / -
Market Cap (₹ Cr.) 0
Equity (₹ Cr.) 0
Face Value (₹) 10
Industry PE 27.1

Quarterly Results

 Mar'24 YoY Gr. Rt. %Jun'24 YoY Gr. Rt. %Sep'24 YoY Gr. Rt. %Dec'24 YoY Gr. Rt. %
Operating Income3.5 19.63.9 14.93.1 -14.53.1 -2.5
Adj EPS (₹)0.14 -17.70.35 250.19 -36.70.22 -8.3
Net Profit Mgn %20.76 -1072 bps48.66 497 bps33.40 -1001 bps44.15 377 bps

Management X-Ray of Incred Financial Ser:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:65.69%Institutions:0%Non-Institutions:34.31%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Mar220%10%20%30%40%50%60%70%
Pledged *0.00
* Pledged shares as % of Promoter's holding (%)

Valuation of Incred Financial Ser

MRP
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MOS
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DP
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Base BVPS
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DPS
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MRP: ₹ 0
DP: ₹0
Base BVPS ₹:
DPS ₹:
MOS (%):
Save my Valuation
Expected BVPS Growth Rate:
0%
Base 0%
30%
Expected Rate of Return:
0%
Base 0%
30%
Future PBV:
0
Base 0
40
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max

Event Update

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Analyst's Notes

No data found!

Key Ratios of Incred Financial Ser

Adj EPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of
Company Name CMP(₹)
Change ₹(%)
Market Cap
Net Sales (₹ Cr.)
Latest EPS (₹)
Net Profit Margin %
Latest P/E
Latest P/BV
Piramal Enterprises 958.8 -52.7 (-5.2%) Small Cap 10,020 23.1 -16.8 41.6 0.8
Edelweiss Financial 109.2 1.4 (1.3%) Small Cap 9,500 4.9 5.6 22.3 2
Manappuram Finance 197.4 -7.5 (-3.6%) Small Cap 8,848 26.7 24.8 7.4 1.3
CreditAccess Grameen 995.3 -61.1 (-5.8%) Small Cap 5,167 55.2 28 18 2.3
Spandana Sphoorty 326.6 -12.4 (-3.7%) Small Cap 2,424 -66.2 20.7 - 0.8
Fusion Finance 171.6 -7.9 (-4.4%) Small Cap 2,317 -8.1 21.8 - 0.7
Muthoot Microfin 151.2 -4.5 (-2.9%) Small Cap 2,270 17.5 19.8 8.6 0.9
Five Star Business 700.6 -26.2 (-3.6%) Small Cap 2,183 35 38.3 20 3.4
Northern ARC Capital 184.3 -3.1 (-1.6%) Small Cap 1,829 17.4 15.3 10.6 0.9
Fedbank Financial 92.8 -1.8 (-1.9%) Small Cap 1,577 5.9 15.5 15.6 1.4
Shows rows:

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income227.95380.03568.89744.79862.17737.73871.22521.65888.491,316.91
Interest Income227.62353.16568.88744.70862.08737.46390.36488.26863.751,269.19
Other Income 0.3226.880.010.090.080.27480.8633.3924.7447.72
Expenditure 64.01177.24240.44522.39836.302,376.21837.19473.48637.68893.89
Interest Expense 6.1382.76184.73319.67371.08387.58228.75219.79356.20455.28
Operating Expenses 33.3835.5545.78102.4282.2270.5274.53197.01271.72388.15
Provisions 24.5058.939.93100.30382.991,918.12533.9156.689.7650.46
Exceptional Items 00000000-43.800
Profit Before Tax 163.94202.79328.46222.4025.87-1,638.4834.0348.17207.02423.02
Taxes 56.1770.03115.2275.731.89-382.64173.4312.0586.22108.13
Profit After Tax 107.76132.77213.23146.6723.99-1,255.84-139.4036.12120.80314.90
Adjusted EPS (₹)2.83.55.63.20.5-27.3-3.00.82.66.5
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital1,303.881,436.651,649.882,441.762,465.731,209.541,070.341,112.312,483.673,320.40
Share Capital 379.27379.27379.27460.23460.23460.23460.23460.23460.23488.31
Reserves 924.611,057.381,270.611,981.532,005.50749.31610.11652.092,023.452,832.09
Minority Interest0000000000
Long Term Borrowings336.361,393.463,196.94915.161,602.411,387.52698.762,570.793,242.424,694.61
Current Liabilities 68.3171.60774.542,603.422,333.181,488.14444.78320.40452.55284.14
Trade Payables2.796.4213.6935.8815.966.625.99002.72
Short term borrowings00399.352,134.501,791.591,038.41259.40236.14223.450
Other Liabilities-2.79-6.42-413.04-2,170.38-1,807.55-1,045.03-265.40-236.14-223.45-2.72
Total Liabilities 1,708.552,901.715,621.375,960.346,401.314,085.202,213.884,003.516,178.648,299.16

Assets

Non Current Asset 1,307.772,046.893,742.405,759.976,175.48810.74173,835.075,572.557,488.22
Loan Asset 0004,055.144,132.8800000
Other Non Current Asset 1,307.772,046.893,742.401,704.832,042.60810.74173,835.075,572.557,488.22
Current Asset 400.78854.821,878.97200.38225.833,274.462,196.88168.43606.10810.94
Current Investment23.50204.3621.80000037.5543.46503.59
Other Current Asset377.28650.461,857.17200.38225.833,274.462,196.88130.88562.64307.35
Total Assets 1,708.552,901.715,621.375,960.346,401.314,085.202,213.884,003.516,178.648,299.16

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity -409.76-576.51-890.25-524.23-118.371,503.062,227.21-1,120.86-635.48-1,392.25
Cash Flow From Investing Activity -136.99-222.75-947.40-0.20-1.13-2.14-0.1013.96304.56-506.90
Cash Flow From Financing Activity 590.94870.922,188.95209.21113.90-1,074.09-2,126.391,138.22679.281,537.08
Net Cash Flow 44.1971.66351.30-315.22-5.60426.82100.7231.32348.35-362.07
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)34631-27-3136
DPS (₹)0000000000
BVPS (₹)34384453542623235468

Performance Ratios

ROA (%)8.05.85.02.50.4-24.0-4.41.22.44.4
ROE (%)9.89.713.87.21.0-68.3-12.23.46.810.9
ROCE (%)13.613.513.410.26.9-24.98.28.610.911.9

Valuation Parameters

Price/Book(x)0.00.00.00.00.00.00.00.00.00.0

Incred Financial Services Ltd Stock News

No data found.

Incred Financial Services Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Incred Financial Ser on 01-Jan-1970 05:30 is ₹0.00.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 01-Jan-1970 05:30 the market cap of Incred Financial Ser stood at ₹0.00.
The latest P/E ratio of Incred Financial Ser as of 01-Jan-1970 05:30 is 0.00.
The latest P/B ratio of Incred Financial Ser as of 01-Jan-1970 05:30 is 0.00.
The 52-week high of Incred Financial Ser is ₹0.00 and the 52-week low is ₹0.00.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Incred Financial Ser is ₹487.9 ( Cr.) .

About Incred Financial Services Ltd

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