India Finsec
BSE: IFINSEC · Non Banking Financial Company (NBFC)
Snapshot
Unlock India Finsec's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
India Finsec Limited is a non-banking financial company (NBFC) that provides diverse credit solutions, including short-term and long-term loans, inter-corporate deposits, and loans against property. Additionally, the company offers retail IPO funding and financial management consultancy services.
Business Model
The company generates revenue primarily through interest income earned on its loan portfolio and credit facilities provided to individuals and corporate entities. It also derives income from fees associated with its financial and management consultancy services.
Growth Outlook
Growth is expected to be driven by the expansion of its retail loan book and the increasing demand for credit facilities among small and medium-sized enterprises. The company continues to focus on diversifying its financial service offerings to capture broader market opportunities.
Key Risks
- Credit Risk. The company faces the risk of financial loss if borrowers fail to meet their contractual obligations to repay loans.
- Interest Rate Risk. Fluctuations in market interest rates can impact the company's net interest margins and overall profitability.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulations by the Reserve Bank of India, which may impact operational flexibility.
- Liquidity Risk. The company relies on efficient capital management to ensure it has sufficient liquidity to meet its lending commitments and debt obligations.
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Key Metrics
REVENUE
₹106 Cr
TTM · consolidated
NET PROFIT
₹26 Cr
TTM · consolidated
EPS
₹14.30
TTM · consolidated
RETURN ON EQUITY
19.7%
TTM · consolidated
P/E
17.3×
Q2 FY27 · consolidated
NET PROFIT MARGIN
26.3%
Q2 FY27 · consolidated
DEBT TO EQUITY
2.3%
Q2 FY27 · consolidated
Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap | P/E (TTM) | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
India FinsecIFINSEC | ₹728 Cr | 17.3× | — | 40.1% | — | 19.7% | — | +45.3% |
Aryaman Financial Services LimitedARYAMAN | ₹797 Cr | 20.8× | — | -46.9% | — | 27.0% | — | -18.0% |
Manba FinanceMANBA | ₹730 Cr | 14.1× | — | 32.7% | — | 12.4% | — | +1.3% |
Capital India Finance LimitedCIFL | ₹701 Cr | 18.0× | — | -11.4% | — | 4.1% | — | -49.2% |
Yogi LtdYOGI | ₹688 Cr | 53.2× | — | — | — | 10.5% | — | -9.2% |
Unifinz Capital India LimitedUCIL | ₹611 Cr | 1.6× | — | 429.3% | — | 78.0% | — | -73.8% |
As of Q2 FY27
Financials
India Finsec
BSE: IFINSEC · Non Banking Financial Company (NBFC)
Snapshot
Unlock India Finsec's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
India Finsec Limited is a non-banking financial company (NBFC) that provides diverse credit solutions, including short-term and long-term loans, inter-corporate deposits, and loans against property. Additionally, the company offers retail IPO funding and financial management consultancy services.
Business Model
The company generates revenue primarily through interest income earned on its loan portfolio and credit facilities provided to individuals and corporate entities. It also derives income from fees associated with its financial and management consultancy services.
Growth Outlook
Growth is expected to be driven by the expansion of its retail loan book and the increasing demand for credit facilities among small and medium-sized enterprises. The company continues to focus on diversifying its financial service offerings to capture broader market opportunities.
Key Risks
- Credit Risk. The company faces the risk of financial loss if borrowers fail to meet their contractual obligations to repay loans.
- Interest Rate Risk. Fluctuations in market interest rates can impact the company's net interest margins and overall profitability.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulations by the Reserve Bank of India, which may impact operational flexibility.
- Liquidity Risk. The company relies on efficient capital management to ensure it has sufficient liquidity to meet its lending commitments and debt obligations.
Start your research today
Unlock AI insights, financials, peers and live data on India Finsec and 5,000+ companies — free.
Key Metrics
REVENUE
₹106 Cr
TTM · consolidated
NET PROFIT
₹26 Cr
TTM · consolidated
EPS
₹14.30
TTM · consolidated
RETURN ON EQUITY
19.7%
TTM · consolidated
P/E
17.3x
Q2 FY27 · consolidated
NET PROFIT MARGIN
26.3%
Q2 FY27 · consolidated
DEBT TO EQUITY
2.3%
Q2 FY27 · consolidated
Peers · Non Banking Financial Company (NBFC)
As of Q2 FY27