Indo Credit Capital Ltd (526887) Stock Analysis: Valuation, Latest Results, Financial Ratios & DeciZen Rating

BSE: 526887 | NSE: | Finance - NBFC | Small Cap

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Indo Credit Capital Share Price

 ₹3.42 0.00 0.00%
as on 01-Dec'25 16:59

Indo Credit Capital Ltd (526887) Stock Analysis: Valuation, Latest Results, Financial Ratios & DeciZen Rating

BSE: 526887 | NSE: | Finance - NBFC | Small Cap

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DeciZen - make an informed investing decision on Indo Credit Capital

Based on:

M-Cap below 100cr DeciZen not available

Indo Credit Capital stock performance -
₹3.42 1.0041.00% past year

Key Ratios
Price Chart, Live Stock Chart, Technical Chart of
P/E Ratio (SA):
618.23
Market Cap:
2.5 Cr.
52-wk low:
2.5
52-wk high:
3.4

Is Indo Credit Capital Ltd an attractive stock to invest in?

1. Is Indo Credit Capital Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Indo Credit Capital Ltd is a below average quality company.

2. Is Indo Credit Capital Ltd undervalued or overvalued?

The key valuation ratios of Indo Credit Capital Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.

3. Is Indo Credit Capital Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Indo Credit Capital Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of Indo Credit Capital:

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.
Indo Credit Capital Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)
0.10.100.100.1000.10.10
YoY Gr. Rt. %
--30.8%-77.8%450%-63.6%25%-40%33.3%50%116.7%-
Adj EPS (₹ )
0-0.1-0.2-0.1-0.5-0.1-0.1-0.2-0.1-0.10
YoY Gr. Rt. %
-NANANANANANANANANA-
BVPS (₹ )
9.59.49.29.18.78.58.48.28.188
YoY Gr. Rt. %
--1%-1.8%-1%-4.8%-1.6%-1.2%-2.9%-0.9%-0.9%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)
0-0.9-1.8-1-5.3-1.6-1.1-2.3-0.6-0.50

CAGR ⓘ

CAGR Colour Code Guide ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest Income0%26.6%63%116.7%
Adj EPSNANANANA
BVPS-1.8%-1.5%-1.5%-0.9%
Share Price 17.9% 46.9% 23.4% 45.5%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)
0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)
0000000000-
Margins
Net Profit Margin (%)
1.9-70.1-503.1-64.3-954.4-213.3-215.9-410.4-82.9-39.36
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)
0-0.9-1.9-1-5.3-1.6-1.2-2.9-0.9-0.90.1

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 0.10%

Total Income has increased 63.03 CAGR in last 3 years

Net Profit has declined 0.00 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials - Indo Credit Capital Ltd.

Standalone Consolidated
TTM EPS (₹) 0 -
TTM Sales (₹ Cr.) 0.1 -
BVPS (₹.) ⓘ 8 -
Reserves (₹ Cr.) ⓘ -1 -
P/BV ⓘ 0.43 -
PE ⓘ 618.23 -
From the Market
52 Week Low / High (₹) 2.46 / 3.42
All Time Low / High (₹) 0.36 / 21.75
Market Cap (₹ Cr.) 2.5
Equity (₹ Cr.) 7.2
Face Value (₹) 10
Industry PE ⓘ 32.2

Quarterly Results

 Dec'24 YoY Gr. Rt. %Mar'25 YoY Gr. Rt. %Jun'25 YoY Gr. Rt. %Sep'25 YoY Gr. Rt. %
Operating Income0 N/A0.1 1000 N/A0 N/A
Adj EPS (₹)-0.05 N/A0.12 -7.7-0.11 N/A0.05 N/A
Net Profit Mgn %0.00 071.77 -8656 bps0.00 160000 bps0.00 0

Management X-Ray of Indo Credit Capital:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of Indo Credit Capital - Standalone Basis

MRP
₹spaceLock icon
MOS
spaceLock icon%
DP
₹spaceLock icon
Base BVPS
₹spaceLock icon
DPS
₹spaceLock icon
MRP: ₹ 0
DP: ₹0
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

data not found
No data found!

Key Ratios of Indo Credit Capital

Adj EPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of

Total Income (Cr.)

Price Chart, Live Stock Chart, Technical Chart of

ROE (%)

Price Chart, Live Stock Chart, Technical Chart of

BVPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of

Peer Comparison

Company Name  
CMP(₹)  
Change ₹(%)  
Market Cap  
Net Sales (₹ Cr.)  
Latest EPS (₹)  
Net Profit Margin %  
Latest P/E  
Latest P/BV  
Manappuram Finance 274.3 -1.3 (-0.5%) Small Cap 10,007 5.3 12 52.4 1.9
Edelweiss Financial 107.8 -1.3 (-1.2%) Small Cap 9,081 4.5 5.9 24.7 2.6
CreditAccess Grameen 1,340.9 7.7 (0.6%) Small Cap 5,752 8.4 9.2 159.5 3
IIFL Finance 566.6 -8.2 (-1.4%) Small Cap 4,066 9.4 -10.1 61.4 3.6
Five Star Business 589.7 16.6 (2.9%) Small Cap 2,848 37.5 37.7 15.3 2.5
Muthoot Microfin 183 -0.4 (-0.2%) Small Cap 2,562 -21.2 -8.7 - 1.2
Spandana Sphoorty 258.5 2.3 (0.9%) Small Cap 2,355 -167.4 -44 - 1.1
Fusion Finance 170.2 0.2 (0.1%) Small Cap 2,320 -61.6 -52.8 - 1.4
Northern ARC Capital 257.4 -0.2 (-0.1%) Small Cap 2,284 21.5 15 12 1.1
Fedbank Financial 142.2 -1.5 (-1%) Small Cap 2,036 6.6 11.1 21.9 2
Shows rows:

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income0.130.090.020.110.040.050.060.040.250.13
Interest Income0.130.090.020.110.040.050.030.040.060.13
Other Income ⓘ 0000000.0200.190
Expenditure ⓘ 0.120.140.150.170.380.140.130.220.300.18
Interest Expense ⓘ 000000000.060
Operating Expenses ⓘ 0.120.140.150.160.170.140.130.210.180.18
Provisions 0000.020.20000.010.050
Exceptional Items ⓘ 0000000000
Profit Before Tax ⓘ 0-0.06-0.12-0.07-0.34-0.10-0.07-0.17-0.05-0.05
Taxes ⓘ 0-000000000
Profit After Tax 0-0.06-0.12-0.07-0.34-0.10-0.07-0.17-0.05-0.05
Adjusted EPS (₹)0.0-0.1-0.2-0.1-0.5-0.1-0.1-0.2-0.1-0.1
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital6.856.796.676.606.266.166.095.925.875.82
Share Capital ⓘ 7.237.237.237.237.237.237.237.237.237.23
Reserves ⓘ -0.38-0.44-0.56-0.63-0.97-1.07-1.14-1.31-1.36-1.41
Minority Interest0000000000
Long Term Borrowings0000000000
Current Liabilities 0.270.040.040.040.040.030.272.7144.01
Trade Payables0.030.030.030.040.040.030.010.0100
Short term borrowings0000000000
Other Liabilities-0.03-0.03-0.03-0.04-0.04-0.03-0.01-0.01-0-0
Total Liabilities ⓘ 7.126.836.716.646.316.206.378.639.879.82

Assets

Non Current Asset 6.916.466.466.306.176.106.257.728.147.98
Loan Asset 0000000000
Other Non Current Asset ⓘ 6.916.466.466.306.176.106.257.728.147.98
Current Asset 0.200.350.220.320.140.090.120.911.731.84
Current Investment0000000000
Other Current Asset0.200.350.220.320.140.090.120.911.731.84
Total Assets ⓘ 7.126.836.716.646.316.206.378.639.879.82

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity ⓘ 0.09-0.54-0.23-2.201.470.410.47-0.22-0.870.02
Cash Flow From Investing Activity ⓘ -0.110.530.232.21-1.47-0.42-0.70-1.400.390
Cash Flow From Financing Activity ⓘ 0000000.271.720.390
Net Cash Flow ⓘ -0.02-0.010.010.01-0-0.010.040.10-0.090.02

Finance Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios
EPS (₹)0-0-0-0-0-0-0-0-0-0
DPS (₹)0000000000
BVPS (₹)9999998888

Performance Ratios

ROA (%)0.0-0.9-1.8-1.0-5.3-1.6-1.1-2.3-0.6-0.5
ROE (%)0.0-0.9-1.9-1.0-5.3-1.6-1.2-2.9-0.9-0.9
ROCE (%)0.1-0.9-1.9-1.0-5.3-1.6-1.2-2.90.2-0.9

Valuation Parameters

Price/Book(x)0.00.10.10.00.00.10.20.20.20.3

Indo Credit Capital Ltd Stock News

Indo Credit Capital Ltd FAQs

The current trading price of Indo Credit Capital on 01-Dec-2025 16:59 is ₹3.42.
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 30-Nov-2025 the market cap of Indo Credit Capital stood at ₹2.47.
The latest P/E ratio of Indo Credit Capital as of 30-Nov-2025 is 618.2.
The latest P/B ratio of Indo Credit Capital as of 30-Nov-2025 is 0.43.
The 52-week high of Indo Credit Capital is ₹3.42 and the 52-week low is ₹2.46.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Indo Credit Capital is ₹0.12 ( Cr.) .

About Indo Credit Capital Ltd

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