BSE: 526871 | NSE: | Finance - NBFC | Small Cap
Past 10 year’s financial track record analysis by Moneyworks4me indicates that Intec Capital Ltd is a below average quality company.
The key valuation ratios of Intec Capital Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Intec Capital Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 132 | 131 | 95.7 | 53.4 | 40.3 | 15.9 | 7.1 | 10.9 | 8.3 | 3.7 | 4 | |
| YoY Gr. Rt. % | - | -0.5% | -27.1% | -44.2% | -24.5% | -60.6% | -55.2% | 52.8% | -24.2% | -54.7% | - | |
| Adj EPS (₹ ) | 3.5 | 3.5 | 0.2 | -16.5 | -4.5 | -19.7 | 10.4 | 2 | -14.5 | -7.5 | -7.5 | |
| YoY Gr. Rt. % | - | 0% | -94.3% | -8345% | NA | NA | NA | -81.1% | -839.8% | NA | - | |
| BVPS (₹ ) | 88.3 | 91.8 | 91.4 | 75.1 | 48.6 | 29 | 39.4 | 41.3 | 26.8 | 19.3 | 18.1 | |
| YoY Gr. Rt. % | - | 4% | -0.4% | -17.9% | -35.3% | -40.4% | 35.8% | 4.9% | -35.1% | -27.8% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 0.9 | 0.9 | 0.1 | -6.1 | -2.7 | -25.1 | 16.7 | 3.1 | -27.1 | -17 | 0 | |
CAGR Colour Code Guide ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -32.7% | -37.9% | -19.3% | -54.7% | ||||||||
| Adj EPS | -208.8% | NA | -189.6% | NA | ||||||||
| BVPS | -15.5% | -16.8% | -21.1% | -27.8% | ||||||||
| Share Price | -17.3% | -15.5% | -10.4% | -22.2% | ||||||||
| RATIOS \ YEARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 4.9 | 4.9 | 0.4 | -56.7 | -20.6 | -227.6 | 267.4 | 33 | -323.1 | -366.4 | -365.9 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 4 | 3.9 | 0.2 | -19.8 | -7.3 | -50.8 | 30.3 | 4.9 | -42.6 | -32.3 | -41 | |
No data to display
Return on Equity is Poor
Total Income has declined -68.50 CAGR in last 3 years
Net Profit has declined -189.59 CAGR in last 3 years
Total income growth is poor in last 4 quarters
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | -7.5 | -3.1 |
| TTM Sales (₹ Cr.) | 3.7 | 3.7 |
| BVPS (₹.) ⓘ | 18.1 | 17.5 |
| Reserves (₹ Cr.) ⓘ | 15 | 14 |
| P/BV ⓘ | 0.79 | 0.82 |
| PE ⓘ | 0.00 | 0.00 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 13.62 / 35.84 |
| All Time Low / High (₹) | 0.85 / 119.00 |
| Market Cap (₹ Cr.) | 26.4 |
| Equity (₹ Cr.) | 18.4 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 28.2 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income | 132.83 | 137.67 | 98.95 | 61.61 | 42.93 | 17.25 | 29.05 | 11.33 | 50.12 | 3.80 |
| Interest Income | 131.86 | 131.25 | 95.72 | 53.38 | 40.33 | 15.90 | 7.12 | 10.88 | 8.25 | 3.74 |
| Other Income ⓘ | 0.97 | 6.42 | 3.23 | 8.23 | 2.60 | 1.36 | 21.93 | 0.44 | 41.88 | 0.06 |
| Expenditure ⓘ | 123.18 | 127.73 | 97.57 | 95.29 | 45.32 | 64.44 | 10.80 | 14.21 | 68.12 | 20.71 |
| Interest Expense ⓘ | 71.77 | 67.89 | 54.60 | 34.32 | 20.23 | 7.85 | 0.20 | 0.13 | 0.15 | 0.22 |
| Operating Expenses ⓘ | 39.46 | 38.92 | 25.01 | 19.86 | 14.16 | 11.43 | 9.39 | 10.99 | 10.94 | 7.57 |
| Provisions | 11.95 | 20.92 | 17.96 | 41.12 | 10.93 | 45.15 | 1.22 | 3.09 | 57.03 | 12.92 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 8.65 | 6.63 | 0 | 0 |
| Profit Before Tax ⓘ | 9.65 | 9.95 | 1.38 | -33.69 | -2.40 | -47.19 | 26.90 | 3.74 | -18 | -16.92 |
| Taxes ⓘ | 3.22 | 3.52 | 1.02 | -3.40 | 5.91 | -11.01 | 7.86 | 0.15 | 8.64 | -3.23 |
| Profit After Tax | 6.43 | 6.43 | 0.36 | -30.28 | -8.30 | -36.18 | 19.04 | 3.59 | -26.64 | -13.69 |
| Adjusted EPS (₹) | 3.5 | 3.5 | 0.2 | -16.5 | -4.5 | -19.7 | 10.4 | 2.0 | -14.5 | -7.5 |
| Dividend Payout Ratio (%) | 14% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital | 162.11 | 168.54 | 168.35 | 138.07 | 89.43 | 53.20 | 72.27 | 75.79 | 49.17 | 35.50 |
| Share Capital ⓘ | 18.37 | 18.37 | 18.37 | 18.37 | 18.37 | 18.37 | 18.37 | 18.37 | 18.37 | 18.37 |
| Reserves ⓘ | 143.74 | 150.17 | 149.98 | 119.70 | 71.06 | 34.84 | 53.90 | 57.42 | 30.81 | 17.14 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long Term Borrowings | 242.34 | 186.78 | 82.15 | 77.59 | 4.01 | -20.34 | -12.66 | -17.67 | -10 | -13.37 |
| Current Liabilities | 345.98 | 365.17 | 304.30 | 231.28 | 86.93 | 75.56 | 60.63 | 51.57 | 47.97 | 51.71 |
| Trade Payables | 2 | 2.05 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short term borrowings | 239.16 | 240.38 | 191.17 | 133.22 | 79.09 | 70.49 | 57.31 | 48.02 | 44.78 | 46.52 |
| Other Liabilities | -241.16 | -242.43 | -191.17 | -133.22 | -79.09 | -70.49 | -57.31 | -48.02 | -44.78 | -46.52 |
| Total Liabilities ⓘ | 750.43 | 720.49 | 554.80 | 446.94 | 180.37 | 108.43 | 120.24 | 109.69 | 87.15 | 73.85 |
Assets | ||||||||||
| Non Current Asset | 421.09 | 460.40 | 296.35 | 173.73 | 14.04 | 14.68 | 25.42 | 9.36 | 8.97 | 1.10 |
| Loan Asset | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non Current Asset ⓘ | 421.09 | 460.40 | 296.35 | 173.73 | 14.04 | 14.68 | 25.42 | 9.36 | 8.97 | 1.10 |
| Current Asset | 329.34 | 260.09 | 258 | 273.02 | 166.14 | 93.75 | 94.82 | 100.32 | 78.18 | 72.74 |
| Current Investment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Asset | 329.34 | 260.09 | 258 | 273.02 | 166.14 | 93.75 | 94.82 | 100.32 | 78.18 | 72.74 |
| Total Assets ⓘ | 750.43 | 720.49 | 554.80 | 446.94 | 180.37 | 108.43 | 120.24 | 109.69 | 87.15 | 73.85 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | -6.94 | -13.77 | 158.49 | 139.95 | 102.86 | 31.57 | 4.82 | 11.26 | 1.49 | 2.84 |
| Cash Flow From Investing Activity ⓘ | -1.38 | -0.28 | -0.05 | -0.32 | 11.39 | 0.27 | -1.20 | -0.07 | -0.17 | 0.03 |
| Cash Flow From Financing Activity ⓘ | 25.69 | -18.48 | -158.62 | -141.64 | -112.55 | -32.16 | -4.94 | -8.08 | -4.24 | 1.18 |
| Net Cash Flow ⓘ | 17.38 | -32.52 | -0.18 | -2.02 | 1.70 | -0.32 | -1.32 | 3.11 | -2.91 | 4.05 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios |
||||||||||
| EPS (₹) | 4 | 4 | 0 | -16 | -5 | -20 | 10 | 2 | -15 | -7 |
| DPS (₹) | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| BVPS (₹) | 88 | 92 | 91 | 75 | 49 | 29 | 39 | 41 | 27 | 19 |
Performance Ratios | ||||||||||
| ROA (%) | 0.9 | 0.9 | 0.1 | -6.1 | -2.7 | -25.1 | 16.7 | 3.1 | -27.1 | -17.0 |
| ROE (%) | 4.0 | 3.9 | 0.2 | -19.8 | -7.3 | -50.8 | 30.3 | 4.9 | -42.6 | -32.3 |
| ROCE (%) | 12.2 | 11.5 | 9.5 | 0.2 | 6.6 | -23.4 | 19.2 | 2.8 | -15.2 | -17.3 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 1.0 | 0.7 | 0.5 | 0.5 | 0.7 | 1.2 | 0.3 | 0.6 | 0.6 | 0.9 |
Intec Securities (ISL), an Intec Group company, was incorporated in 1994 and turned public limited in 1995. Intec Securities Limited has emerged as one of the most preferred financial service provider in the area of industrial equipment and working capital term loan catering mainly to Small and Medium Enterprises (SME’s) ranging financing amount up to 100 lakh. An ISO 9001:2000 certified with DNV, Holland, ISL is registered with Reserve Bank of India and Listed on Delhi and Bombay Stock Exchange.
The Group's mission is to be a world-class Indian financial institution. The objective is to build sound customer franchises across distinct businesses so as to be the preferred provider of financial services for target retail and small medium enterprises (SME’s) segments, and to achieve healthy growth in profitability, consistent with the companies risk appetite.
Intec has developed significant expertise in retail loans to different market segments and also has a large corporate client base for its capital expansion related credit facilities. With its experience in the financial markets, a strong market reputation, large customer base and unique disbursement process, INTEC has ideally positioned itself to promote a “an institution with a difference†in the Indian environment.
Intec Securities Limited is committed to maintain the highest level of ethical standards, professional integrity, corporate governance and regulatory compliance. Intec Group business philosophy is based on four core values – Operational Excellence, Customer Focus, Product Leadership and People Management.
Intec Finance, a financial arm of Intec Group of companies, is at the forefront of financial innovation, customized solutions and strong investor relationships. Intec Finance consists of three group companies -- Intec Securities Limited, Unitel Credit Pvt. Ltd. and Modern Credit Pvt. Ltd.
Area of business:
Intec Securities is a dedicated non-banking financial institution providing cost effective, innovative, financial solutions to the SME sector.
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Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
With the same color-coded funds, the one with the higher Average 3-year rolling returns (over 5 to 10 years), the number that appears in the Performance tag, ranks higher.
Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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