IndoStar Capital Finance Limited
IndoStar Capital Finance Limited, a non-banking financial company, provides various financing services to corporates, small and medium enterprises (SMEs), and individual customers in India. The company offers vehicle finance services, including loans for commercial vehicles, farm equipment, four and two-wheelers, and construction equipment; home finance; and financing for used and new vehicles, as well as insurance products, such as life, motor, and accident cover and critical illness. It also provides small ticket micro loan against property finance services; small business loan for working capital and business expansion; and education, marriage, medical, and corporate lending products. The company was incorporated in 2009 and is based in Mumbai, India. IndoStar Capital Finance Limited operates as a subsidiary of BCP V Multiple Holdings Pte. Ltd.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Operating margin of 59.9% exceeds Financial Services median (59.5%)
Concerns1
- Low return on equity of 1.5%
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ1.41 K Cr | β | βΉ53.00 Cr | β | β | 1.5% | 27.2% | -26.4% |
| Mar 2024 | βΉ1.11 K Cr | β | βΉ72.00 Cr | β | β | 2.3% | 13.9% | -61.5% |
| Mar 2023 | βΉ972.00 Cr | β | βΉ187.00 Cr | β | β | 6.2% | -7.6% | -124.3% |
| Mar 2022 | βΉ1.05 K Cr | β | βΉ-769.00 | β | β | -26.7% | -11.7% | 219.1% |
| Mar 2021 | βΉ1.19 K Cr | β | βΉ-241.00 | β | β | -6.6% | -22.7% | -29.1% |
| Mar 2020 | βΉ1.54 K Cr | β | βΉ-340.00 | β | β | -12.6% | 30.8% | -233.3% |
| Mar 2019 | βΉ1.18 K Cr | β | βΉ255.00 Cr | β | β | 8.4% | 49.6% | 20.3% |
| Mar 2018 | βΉ787.00 Cr | β | βΉ212.00 Cr | β | β | 10.2% | 9.9% | 1.4% |
| Mar 2017 | βΉ716.00 Cr | β | βΉ209.00 Cr | β | β | 11.0% | 11.7% | 9.4% |
| Mar 2016 | βΉ641.00 Cr | β | βΉ191.00 Cr | β | β | 12.4% | 21.4% | 28.2% |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue / Net Sales | 1,446 |
| Total Expenses | 1,117 |
| EBIT / Operating Profit | 328 |
| OPM % | 23% |
| Other Income | 1,179 |
| Finance Costs | 738 |
| Depreciation & Amortisation | 30 |
| Profit Before Tax | 739 |
| Tax % | - |
| Net Profit / PAT | 570 |
| EPS (βΉ) | 41.70 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| IndoStar Capital Finance Limitedthis co. | βΉ3.67 K Cr | βΉ1.41 K Cr | 0.00 | 0.77 | 12.09 | 27.2% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |