Company File · BSE 535667 · Latest filing Q1 FY27
Standalone = this company only. Consolidated = including its subsidiaries.
India Finsec Limited
Data as of 19 Oct 2026 close · BSE · Latest results Q1 FY27
ISIN INE474O01010 · IFINSEC · Financial Services › Finance
Price & valuation · BSE close, 19 Oct 2026
Above its usual level
Book value ₹63 a share
- Income growth
- +32.8%
- Profit growth
- +28.5%
- Price/book
- 4.00×
- Usual P/B
- 3.4×
- ROA
- 5.40%
- ROE
- 15.5%
- Borrowings/equity
- 1.35×
- Promoter
- 55.98%
- Pledged
- 84.16%
Earnings callsNo earnings-call transcript from India Finsec in our data yet. When it files one on BSE, the call notes appear here within a few hours. See its call page
Is it expensive, and is it a good business?
Key ratios
In short Priced above its own usual level (P/B 4.00× vs 3.4×), earns about 15.5% a year on shareholders' money (ROE, an estimate) & borrows ₹1.35 for every ₹1 of shareholders' money.
What you pay Valuation
The share price is 4.0 times the accounting value of each share. Above its 1-year median of 3.4×.
Latest BSE close ÷ book value per share (equity ÷ shares) on the latest balance-sheet date. As of 19th October 2026.
Each share is backed by about ₹63 of net assets on the books.
Shareholders' equity ÷ shares. As of 31st March 2026.
The company paid no dividend in the last 12 months.
Dividends per share with an ex-date in the last 12 months (restated for any split or bonus since) ÷ the latest BSE close. As of 19th October 2026.
How it is doing Growth, returns & borrowing
Income after interest costs was 32.8% higher than in Q1 FY26.
Latest quarter's income after interest costs (revenue from operations plus other income, less finance costs) vs the same quarter a year earlier. As of 30th June 2026.
Profit was 28.5% higher than in Q1 FY26.
Latest quarter's profit vs the same quarter a year earlier (the shareholders' share when the filings give it for both). As of 30th June 2026.
Each ₹100 of its assets earned about ₹5.40 in a year, on Q1 FY27's profit.
Latest quarter: the quarter's profit, a year's worth (× 4), ÷ average total assets on the two latest balance sheets. An estimate, as balance sheets come every six months. As of 30th June 2026.
Each ₹100 of shareholders' money earned about ₹15.5 in a year, on Q1 FY27's profit.
Latest quarter: the quarter's profit, a year's worth (× 4), ÷ average shareholders' equity on the two latest balance sheets. An estimate, as balance sheets come every six months. As of 30th June 2026.
It has borrowed ₹1.35 for every ₹1 of shareholders' money.
Borrowings ÷ shareholders' equity on the latest balance sheet. As of 31st March 2026.
Who owns it Ownership & more
The founders or parent group own 55.98% of the company.
Promoter & promoter group shareholding from the latest shareholding pattern filed with BSE. As of 30th September 2026.
Promoter holding did not change over the last quarter.
Latest quarter's promoter holding minus the previous quarter's. As of 30th September 2026.
Promoter holding, quarter by quarter
- Sep 202655.98%
- Jun 202655.98%
- Mar 202655.98%
- Dec 202555.94%
- Sep 202555.94%
Promoters have pledged 84.16% of their shares (137.5 lakh shares), 47.11% of the company.
Promoter group shares pledged ÷ all the promoter group's shares, from the shareholding pattern filed with BSE each quarter (other encumbrances, such as non-disposal undertakings, are not counted). As of 30th September 2026.
Pledged, quarter by quarter
- Sep 202684.16%
- Jun 202684.16%
- Mar 202671.10%
- Dec 202571.15%
- Sep 202571.15%
Each share has a face (nominal) value of ₹10. It matters for dividends quoted as a percentage, not for valuation.
Face value per share as BSE lists it today.
About 2.92 crore shares were in issue.
BSE's count of listed shares (BSE's market cap ÷ its price), so splits, bonuses & new shares since the latest results are included. As of 19th October 2026.
Your ratios
Ratios you added. Your choices are remembered on this device.
The stock market values the company at about ₹730 crore.
Latest BSE close × BSE's count of listed shares. As of 19th October 2026.
Buying the whole business, including its debt and keeping its cash, would cost about ₹917 crore.
Market value + borrowings − cash & bank balances. As of 19th October 2026.
The company reported ₹23 crore of profit over the last four quarters.
Sum of the last four quarters' reported profit after tax. As of 30th June 2026.
Each share earned about ₹7.95 over the last year.
Sum of the last four quarters' basic EPS. Uses earnings per share from continuing operations, so a one-off gain from selling a business does not flatter it. Earlier quarters' EPS is restated on the latest share count after a split or bonus. As of 30th June 2026.
Each share is backed by about ₹63 of net assets on the books.
Shareholders' equity ÷ shares. As of 31st March 2026.
About ₹76.9 of every ₹100 of sales was left after running costs.
EBITDA ÷ revenue over the last four quarters. As of 30th June 2026.
About ₹24.1 of every ₹100 of sales became profit last quarter.
Profit after tax ÷ revenue for the latest quarter. As of 30th June 2026.
Sales were 53.7% higher than a year earlier.
Latest quarter's revenue vs the same quarter last year. As of 30th June 2026.
Profit was 28.5% higher than a year earlier.
Latest quarter's profit after tax vs the same quarter last year (continuing operations when a one-off discontinued item exists). As of 30th June 2026.
Short-term assets cover short-term bills 3.82 times.
Current assets ÷ current liabilities. As of 31st March 2026.
Customers take about 0 days to pay.
Trade receivables ÷ last 12 months' revenue × 365. As of 31st March 2026.
Stock on hand equals about 0 days of sales.
Inventories ÷ last 12 months' revenue × 365. As of 31st March 2026.
6.2% of pre-tax profit came from other income (interest, dividends, gains).
Other income ÷ profit before tax, last 12 months. As of 30th June 2026.
Each ₹1 of profit brought in ₹-5.59 of operating cash.
Latest full year's cash from operations ÷ profit after tax. As of 31st March 2026.
Borrowings exceed cash by ₹187 crore.
Cash & bank balances − borrowings. As of 31st March 2026.
The company paid about 27.0% of its pre-tax profit as tax.
Tax expense ÷ profit before tax (continuing operations), last 12 months. As of 30th June 2026.
Operating profit before interest, depreciation & tax was ₹73 crore.
Revenue − expenses + finance costs + depreciation, last four quarters. As of 30th June 2026.
Needs five financial years of cash flows.
Sum over five financial years of (cash from operations − capital expenditure).
The company spent ₹0 crore on plant & equipment.
Purchase of property, plant & equipment, latest full year. As of 31st March 2026.
Borrowings stood at ₹247 crore.
Current + non-current borrowings. As of 31st March 2026.
No verified shareholding pattern yet.
Foreign institutional holding from the latest shareholding pattern. As of 30th September 2026.
No verified shareholding pattern yet.
Domestic institutional holding (mutual funds, insurers, banks, pension funds). As of 30th September 2026.
The highest price in the last year was ₹284.95.
Highest intraday BSE price in the last 12 months (raw, not adjusted). As of 16th July 2026.
The lowest price in the last year was ₹140.1.
Lowest intraday BSE price in the last 12 months (raw, not adjusted). As of 20th March 2026.
The share price moved 43.5% over the last year.
Close today ÷ close a year ago − 1 (raw prices, dividends not included). As of 19th October 2026.
About 0% of the last year's earnings per share was paid out as dividends.
Dividends per share with an ex-date in the last 12 months ÷ the last four quarters' EPS. As of 30th June 2026.
Needs four financial years of results (three years of growth).
Compound annual growth in revenue over three financial years.
Needs four financial years of results (three years of growth).
Compound annual growth in profit after tax over three financial years.
Tap the i beside any ratio for a plain explanation.
How these are worked out
Price-based ratios use the latest BSE close (19th October 2026). Share count 2.92 crore, from paid-up capital in the 19th October 2026 filing. Figures are consolidated.
What you pay: Banks & other lenders are valued on their books, so P/B (price ÷ book value per share) stands where P/E would.
How it is doing: Growth is on the same period a year earlier. ROA & ROE take the latest results' profit for a year on the average of the two latest balance sheets. Borrowings ÷ equity shows how much of its lending runs on borrowed money.
Who owns it: A steady promoter stake with nothing pledged is a calm sign.
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Last 4 quarters ₹ crore · Consolidated
| ₹ crore | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|
| Revenue from operations | 20.2 | 21.6 | 24.4 | 28.5 |
| Income after interest costs | 13.4 | 12.8 | 14.5 | 16.2 |
| Costs & credit losses ÷ income | 42.6% | 45.7% | 46.7% | 42.0% |
| Profit after tax | 5.5 | 5.1 | 5.7 | 6.9 |
| Basic EPS (₹) | 1.90 | 1.73 | 7.42 | 2.36 |
Latest filings BSE
Corporate announcements 9
- 30 Sep 2026Shareholder Meeting / Postal Ballot-Scrutinizer''s ReportAGM
- 29 Sep 2026Meeting Updates
- 29 Sep 2026Shareholder Meeting / Postal Ballot-Outcome of AGM
Quarterly results 0
None in the filings we hold.
Conference calls 0
None in the filings we hold.
Investor presentations 0
None in the filings we hold.
Members see every filing, and what each means for the company in Corporate Intelligence.
The full Company File
- Price, P/E, P/B & returns charts
- Growth vs last year, explained
- Lender numbers, each with its last 8 quarters
- Accounts checks
- Who owns it
- 8 quarters, balance sheet & cash flow
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