Indus Finance Ltd - Stock Valuation and Financial Performance

BSE: 531841 | NSE: | Finance - NBFC | Small Cap

Indus Finance Share Price

38.70 0.00 0.00%
as on 11-Feb'25 16:59

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Indus Finance stock performance -

P/E Ratio (SA):
30.24
Market Cap:
35.8 Cr.
52-wk low:
15
52-wk high:
66.2

Is Indus Finance Ltd an attractive stock to invest in?

1. Is Indus Finance Ltd a good quality company?

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

2. Is Indus Finance Ltd undervalued or overvalued?

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

3. Is Indus Finance Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Indus Finance 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 Indus Finance:

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.
Indus Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)
3.73.32.31.41.42.33.50.62.13.44
YoY Gr. Rt. %
--11.4%-28.2%-38.5%-5.6%71.3%51.1%-83.5%267.2%59.2%-
Adj EPS (₹ )
0.80.70.10.10.2-0.10.5-3.70.40.81.3
YoY Gr. Rt. %
--13.4%-88.7%12.5%133.3%-166.7%NA-775.9%NA92.9%-
BVPS (₹ )
17.61817.91816.513.714.216.913.819.720.7
YoY Gr. Rt. %
-2.2%-0.2%0.5%-8.3%-16.9%3.4%19.4%-18.6%43.1%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
1.61.60.20.30.7-0.52.5-13.11.42.40

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income-0.9%20%-1.3%59.2%
Adj EPS-0.1%31%14.5%92.9%
BVPS1.3%3.6%11.6%43.1%
Share Price -1% 35.4% 29.1% 104.3%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
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 (%)
20.620.335.714.4-5.614.1-579.518.522.128.8
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)
4.740.40.51.2-0.93.8-23.52.84.84.7

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 6.30%

Net Profit has increased 14.47 CAGR in last 3 years

Total income growth is good in last 4 quarters

Total Income has declined 165.63 CAGR in last 3 years

Latest Financials - Indus Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 1.3 -
TTM Sales (₹ Cr.) 4.1 -
BVPS (₹.) 20.7 -
Reserves (₹ Cr.) 16 -
P/BV 1.87 -
PE 30.24 -
From the Market
52 Week Low / High (₹) 15.00 / 66.22
All Time Low / High (₹) 2.02 / 203.00
Market Cap (₹ Cr.) 35.8
Equity (₹ Cr.) 9.3
Face Value (₹) 10
Industry PE 27.1

Quarterly Results

 Dec'23 YoY Gr. Rt. %Mar'24 YoY Gr. Rt. %Jun'24 YoY Gr. Rt. %Sep'24 YoY Gr. Rt. %
Operating Income0.7 214.30.5 N/A0.9 119.12.1 329.2
Adj EPS (₹)0.11 N/A0.60 N/A0.05 -800.88 319.1
Net Profit Mgn %15.41 1467 bps31.54 -58870 bps5.25 -5039 bps39.42 -104 bps

Management X-Ray of Indus Finance:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:74.79%Institutions:0.02%Non-Institutions:25.19%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Sep22Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep24Dec240%20%40%60%80%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of Indus Finance

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 Indus Finance

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Company Name CMP(₹)
Change ₹(%)
Market Cap
Net Sales (₹ Cr.)
Latest EPS (₹)
Net Profit Margin %
Latest P/E
Latest P/BV
Piramal Enterprises 931.7 -27.1 (-2.8%) Small Cap 10,020 23.1 -16.8 41.6 0.8
Edelweiss Financial 102.3 -6.9 (-6.3%) Small Cap 9,500 4.9 5.6 22.3 2
Manappuram Finance 185.8 -11.6 (-5.9%) Small Cap 8,848 26.7 24.8 7.4 1.3
CreditAccess Grameen 966.8 -28.5 (-2.9%) Small Cap 5,167 55.2 28 18 2.3
Spandana Sphoorty 307.9 -18.7 (-5.7%) Small Cap 2,424 -66.2 20.7 - 0.8
Fusion Finance 168.2 -3.4 (-2%) Small Cap 2,317 -8.1 21.8 - 0.7
Muthoot Microfin 145.1 -6.2 (-4.1%) Small Cap 2,270 17.5 19.8 8.6 0.9
Five Star Business 662.9 -37.7 (-5.4%) Small Cap 2,183 35 38.3 20 3.4
Northern ARC Capital 179 -5.3 (-2.9%) Small Cap 1,829 17.4 15.3 10.6 0.9
Fedbank Financial 91.8 -1 (-1.1%) 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
Income5.034.543.402.202.412.533.520.932.633.99
Interest Income3.683.262.341.441.362.333.520.582.133.39
Other Income 1.351.281.060.761.060.2000.340.500.60
Expenditure 3.883.623.282.082.132.632.932.442.183.10
Interest Expense 2.582.090.660.030.020.300.960.390.400.87
Operating Expenses 1.281.341.461.341.401.411.491.301.642.06
Provisions 0.020.181.160.720.710.920.480.750.140.17
Exceptional Items 0000000000
Profit Before Tax 1.150.930.120.120.28-0.110.59-1.510.450.89
Taxes 0.400.270.050.040.090.020.091.870.050.14
Profit After Tax 0.760.660.070.080.20-0.130.50-3.380.390.75
Adjusted EPS (₹)0.80.70.10.10.2-0.10.5-3.70.40.8
Dividend Payout Ratio (%)49%56%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 Capital16.2816.6316.5916.6815.2812.7013.1321.931924.03
Share Capital 9.269.269.269.269.269.269.269.269.269.26
Reserves 7.027.377.347.426.033.443.8712.679.7514.77
Minority Interest0000000000
Long Term Borrowings31.2115.8013.5413.2613.357.405.8110.325.3014.52
Current Liabilities 0.640.760.120.100.210.040.150.100.160.38
Trade Payables0000000000
Short term borrowings0000000000
Other Liabilities0000000000
Total Liabilities 48.1333.1830.2630.0328.8520.1519.0932.3524.4738.93

Assets

Non Current Asset 47.9232.4330.1629.7128.5319.8118.7825.6017.5332.38
Loan Asset 0000000000
Other Non Current Asset 47.9232.4330.1629.7128.5319.8118.7825.6017.5332.38
Current Asset 0.210.750.100.330.320.340.310.510.690.78
Current Investment0000000000
Other Current Asset0.210.750.100.330.320.340.310.510.690.78
Total Assets 48.1333.1830.2630.0328.8520.1519.0932.3524.4738.93

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity 1.4817.732.990.26-0.27-0.07-0.05-2.30-0.3411.11
Cash Flow From Investing Activity -0.010.18-0.110.130.24-0.02-0.010.34-3.04-1.95
Cash Flow From Financing Activity -1.55-17.94-2.89-0.28-0.140.100.032.053.32-9.05
Net Cash Flow -0.08-0.03-0.010.11-0.170.01-0.030.09-0.060.12
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)1100001-401
DPS (₹)0000000000
BVPS (₹)18181818171414171420

Performance Ratios

ROA (%)1.61.60.20.30.7-0.52.5-13.11.42.4
ROE (%)4.74.00.40.51.2-0.93.8-23.52.84.8
ROCE (%)8.07.52.50.51.00.87.8-5.24.17.1

Valuation Parameters

Price/Book(x)1.20.60.80.80.80.70.60.70.00.8

Indus Finance Ltd Stock News

Indus Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Indus Finance on 11-Feb-2025 16:59 is ₹38.70.
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 11-Feb-2025 16:59 the market cap of Indus Finance stood at ₹35.83.
The latest P/E ratio of Indus Finance as of 11-Feb-2025 16:59 is 30.24.
The latest P/B ratio of Indus Finance as of 11-Feb-2025 16:59 is 1.87.
The 52-week high of Indus Finance is ₹66.22 and the 52-week low is ₹15.00.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Indus Finance is ₹4.12 ( Cr.) .

About Indus Finance Ltd

Subuthi was incorporated in 1992 as a private limited company under the name Subuthi Finance Private Limited (SFL). Thereafter, pursuant to the provisions of Section 44 of the Companies Act, SFL ceased to be a private limited company and accordingly a fresh certificate of incorporation was issued to SFL on March 29, 1994.

The main Promoters of Subuthi are K V Bala and R. Satyendran. The registered office of Subuthi is situated at Kakani Towers, 2nd Floor, 15, Khader Nawaz Khan Road, Chennai – 600 006.

Subuthi is in the business of corporate financing, leasing, hire purchase and corporate advisory services. It is a Non-Banking Finance Company registered with RBI Equity shares of Subuthi are listed on Bombay Stock Exchange (BSE), Coimbatore Stock Exchange and Madras Stock Exchange.

This company came out with its public issue in the year 1996.

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