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BSE: 500106 | NSE: IFCI | Finance Term Lending | Small Cap
Past 10 year’s financial track record analysis by Moneyworks4me indicates that IFCI Ltd is a below average quality company.
The key valuation ratios of IFCI Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of IFCI Ltd is likely to Rise-somewhat 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.) | 3,251 | 3,819 | 2,740 | 3,545 | 2,157 | 2,244 | 1,361 | 757 | 744 | 840 | 844 | |
| YoY Gr. Rt. % | - | 17.5% | -28.3% | 29.4% | -39.1% | 4% | -39.3% | -44.4% | -1.8% | 13% | - | |
| Adj EPS (₹ ) | 3.1 | 2 | -2.8 | 2.8 | -2.6 | -1.6 | -10.3 | -9.5 | -1.3 | 0.5 | 0.5 | |
| YoY Gr. Rt. % | - | -35.4% | -236% | NA | -194.9% | NA | NA | NA | NA | NA | - | |
| BVPS (₹ ) | 36.1 | 36.9 | 34.2 | 27.8 | 24.9 | 23 | 11.5 | 2.1 | 1 | 2.9 | 4.1 | |
| YoY Gr. Rt. % | - | 2.2% | -7.3% | -18.6% | -10.5% | -7.5% | -50.3% | -81.5% | -51.4% | 178.6% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 1.7 | 1 | -1.4 | 1.7 | -2 | -1.5 | -13.2 | -19.5 | -4 | 1.6 | 0 | |
CAGR Colour Code Guide ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -14% | -17.2% | -14.9% | 13% | ||||||||
| Adj EPS | -18.1% | NA | NA | NA | ||||||||
| BVPS | -24.5% | -35.1% | -37% | 178.6% | ||||||||
| Share Price | 5.6% | 52.4% | 76% | 183.9% | ||||||||
| 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 (%) | 16 | 8.8 | -16.7 | 13.2 | -20.6 | -12.4 | -143.8 | -263.1 | -38.7 | 15.3 | 16.7 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 8.9 | 5.6 | -7.8 | 9 | -9.9 | -6.8 | -64.4 | -152.2 | -85.7 | 27.3 | 13.2 | |
Return on Equity has increased versus last 3 years average to 15.50%
Total Income has declined 39.18 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
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 0.5 | 0.5 |
| TTM Sales (₹ Cr.) | 844 | 1,550 |
| BVPS (₹.) ⓘ | 4.1 | 17 |
| Reserves (₹ Cr.) ⓘ | -1,548 | 1,833 |
| P/BV ⓘ | 15.95 | 3.82 |
| PE ⓘ | 120.59 | 123.47 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 22.45 / 91.39 |
| All Time Low / High (₹) | 2.65 / 121.20 |
| Market Cap (₹ Cr.) | 17,001 |
| Equity (₹ Cr.) | 2,613.6 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 14 |
| 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 | 4,209 | 4,558 | 3,491 | 3,837 | 2,521 | 2,289 | 1,408 | 814 | 755 | 1,237 |
| Interest Income | 3,251 | 3,819 | 2,740 | 3,545 | 2,157 | 2,244 | 1,361 | 757 | 744 | 840 |
| Other Income ⓘ | 958 | 740 | 751 | 292 | 363 | 46 | 47 | 57 | 11 | 397 |
| Expenditure ⓘ | 3,491 | 4,115 | 4,270 | 3,337 | 3,212 | 2,430 | 3,555 | 2,599 | 940 | 753 |
| Interest Expense ⓘ | 2,102 | 2,517 | 2,289 | 2,074 | 1,756 | 1,416 | 1,119 | 923 | 631 | 573 |
| Operating Expenses ⓘ | 89 | 149 | 161 | 175 | 183 | 218 | 155 | 150 | 157 | 155 |
| Provisions | 1,300 | 1,449 | 1,820 | 1,087 | 1,272 | 795 | 2,282 | 1,526 | 152 | 26 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 718 | 443 | -779 | 500 | -691 | -141 | -2,147 | -1,785 | -186 | 484 |
| Taxes ⓘ | 196 | 106 | -321 | 32 | -247 | 137 | -189 | 206 | 102 | 356 |
| Profit After Tax | 522 | 337 | -458 | 468 | -444 | -278 | -1,958 | -1,991 | -288 | 128 |
| Adjusted EPS (₹) | 3.1 | 2.0 | -2.8 | 2.8 | -2.6 | -1.6 | -10.3 | -9.5 | -1.3 | 0.5 |
| Dividend Payout Ratio (%) | 48% | 49% | 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 | 7,146 | 7,202 | 6,730 | 4,718 | 4,225 | 3,908 | 2,172 | 445 | 226 | 714 |
| Share Capital ⓘ | 1,926 | 1,925 | 1,926 | 1,696 | 1,696 | 1,696 | 1,896 | 2,103 | 2,196 | 2,490 |
| Reserves ⓘ | 5,220 | 5,277 | 4,804 | 3,022 | 2,529 | 2,212 | 276 | -1,658 | -1,970 | -1,775 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long Term Borrowings | 21,926 | 22,062 | 19,184 | 19,372 | 15,490 | 11,959 | 10,274 | 6,349 | 6,105 | 6,786 |
| Current Liabilities | 5,328 | 6,956 | 4,774 | 1,096 | 447 | 430 | 532 | 423 | 460 | 701 |
| Trade Payables | 93 | 84 | 49 | 91 | 107 | 67 | 166 | 53 | 62 | 53 |
| Short term borrowings | 659 | 1,070 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | -752 | -1,154 | -49 | -91 | -107 | 133 | 34 | -53 | 338 | 447 |
| Total Liabilities ⓘ | 34,401 | 36,221 | 30,688 | 25,187 | 20,162 | 16,497 | 13,178 | 7,217 | 7,191 | 8,701 |
Assets | ||||||||||
| Non Current Asset | 27,477 | 29,743 | 24,800 | 22,380 | 18,774 | 14,608 | 10,738 | 5,776 | 4,977 | 4,477 |
| Loan Asset | 21,185 | 21,958 | 18,150 | 15,845 | 13,109 | 10,295 | 6,480 | 2,383 | 1,799 | 1,306 |
| Other Non Current Asset ⓘ | 6,292 | 7,786 | 6,650 | 6,535 | 5,665 | 4,313 | 4,259 | 3,394 | 3,178 | 3,171 |
| Current Asset | 6,924 | 6,478 | 5,889 | 2,807 | 1,388 | 1,889 | 2,440 | 1,441 | 2,214 | 4,224 |
| Current Investment | 2,629 | 1,545 | 836 | 1,160 | 243 | 31 | 1,148 | 624 | 148 | 759 |
| Other Current Asset | 4,294 | 4,933 | 5,052 | 1,647 | 1,144 | 1,858 | 1,292 | 817 | 2,066 | 3,464 |
| Total Assets ⓘ | 34,401 | 36,221 | 30,688 | 25,187 | 20,162 | 16,497 | 13,178 | 7,217 | 7,191 | 8,701 |
| 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 ⓘ | 265 | -64 | 385 | -510 | 430 | 423 | -623 | -521 | -483 | 32 |
| Cash Flow From Investing Activity ⓘ | 28 | 95 | 20 | 92 | -2 | 15 | -78 | 0 | -19 | 0 |
| Cash Flow From Financing Activity ⓘ | -399 | -305 | 1 | 61 | -225 | 200 | 200 | 100 | 500 | 500 |
| Net Cash Flow ⓘ | -106 | -274 | 405 | -357 | 203 | 638 | -500 | -421 | -2 | 532 |
| 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 (₹) | 3 | 2 | -3 | 3 | -3 | -2 | -10 | -9 | -1 | 1 |
| DPS (₹) | 2 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| BVPS (₹) | 36 | 37 | 34 | 28 | 25 | 23 | 11 | 2 | 1 | 3 |
Performance Ratios | ||||||||||
| ROA (%) | 1.7 | 1.0 | -1.4 | 1.7 | -2.0 | -1.5 | -13.2 | -19.5 | -4.0 | 1.6 |
| ROE (%) | 8.9 | 5.6 | -7.8 | 9.0 | -9.9 | -6.8 | -64.4 | -152.0 | -85.7 | 27.3 |
| ROCE (%) | 9.6 | 9.0 | 4.8 | 9.6 | 4.7 | 6.9 | -6.9 | -8.3 | 6.4 | 16.1 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 0.9 | 0.7 | 0.9 | 0.7 | 0.6 | 0.2 | 1.1 | 5.2 | 9.6 | 13.8 |
Established in 1948 as a statutory corporation, IFCI is a company listed on BSE and NSE. The company has played a pivotal role in setting up various market intermediaries of repute in several niche areas like stock exchanges, entrepreneurship development organizations, consultancy organizations, educational and skill development institutes across the length and breadth of the country.
The company has played a pivotal role in setting up various market intermediaries of repute in several niche areas like stock exchanges, entrepreneurship development organizations, consultancy organizations, educational and skill development institutes across the length and breadth of the country.
Business area of the company
IFCI provides financial support for the diversified growth of Industries across the spectrum. The financing activities cover various kinds of projects such as airports, roads, telecom, power, real estate, manufacturing, services sector and such other allied industries.
Products and services
1) Debenture Trustee
2) Sale & Resolution of NPAs
3) Financial Products
The Journey of IFCI
At the time of independence in 1947, the Indian Capital Markets were relatively less developed. The demand for capital was growing rapidly, however there was a dearth of providers of capital. The commercial banks that existed were not equipped well enough to provide for long term capital needs in any significant manner. Against this backdrop and to bridge the demand supply gap for capital needs of the economy, the Government of India established The Industrial Finance Corporation of India (IFCI) on July 1, 1948 by way of an IFC Act 1948.
IFCI was the first Development Financial Institution of India set up to propel economic growth through development of infrastructure and industry. Since then, IFCI has contributed significantly to the economy through its incessant support to projects in all the three spheres of growth & development - manufacturing, infrastructure & services and agriculture allied sectors. The Liberalisation of the Indian Economy in 1991 made significant changes in the Indian Capital Markets & Financial System. To aid raising of funds directly through capital markets, the constitution of IFCI was changed from a statutory corporation to a company under the Indian Companies Act, 1956. Subsequently, the name of the company was changed to ‘IFCI Limited’ with effect from October 1999.
1948: Set up as India’s first Development Financial Institution (DFI).
1993: Become a public limited company and was listed on the stock exchange.
2015: Became a government company.
Presently: An established NBFC - ND - SI in the economy.
MoneyWorks4Me rating and ranking of funds for SIP is available to subscribers only. Moneyworks4Me is not a rating and ranking agency, however it is required that users have a way of selecting funds and building a Portfolio. The method used by it are described below to enable users to understand the logic behind the rating and ranking Subscriber will find more details on this in the various content made available from time to time. In case you need more please write to besafe@moneyworks4Me.com
MoneyWorks4Me rates and ranks mutual funds based on the following data-driven system:
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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