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Last Updated: April 2, 2026, 3:06 am
Author: Getaka|Social: XLinkedIn

Indostar Capital Finance Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹13.60Overvalued by 93.03%vs CMP ₹195.00

P/E (15.0) × ROE (0.5%) × BV (₹247.00) × DY (2.00%)

Defaults: P/E=15

₹289.94Undervalued by 48.69%vs CMP ₹195.00
MoS: +32.7% (Strong)Confidence: 43/100 (Low)Models: 4 Under, 4 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹34.1022%Over (-82.5%)
Graham NumberEarnings₹493.7116%Under (+153.2%)
Earnings PowerEarnings₹70.8913%Over (-63.6%)
DCFCash Flow₹912.2113%Under (+367.8%)
Net Asset ValueAssets₹247.159%Under (+26.7%)
EV/EBITDAEnterprise₹19.1811%Over (-90.2%)
Earnings YieldEarnings₹438.609%Under (+124.9%)
ROCE CapitalReturns₹175.279%Over (-10.1%)
Consensus (8 models)₹289.94100%Undervalued
Key Drivers: EPS CAGR 150.7% lifts DCF — verify sustainability. | ROE 0.5% is below cost of equity.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 150.7% · Defaults: P/E=15

*Investments are subject to market risks

Investment Snapshot

47
Indostar Capital Finance Ltd scores 47/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health42/100 · Moderate
ROCE 6.8% WeakROE 0.5% WeakD/E 1.63 High debtInterest Coverage 0.0x RiskyProfitable 3/5 years Mixed
Smart Money35/100 · Weak
FII holding stable No changePromoter decreased by 2.57% Caution
Earnings Quality50/100 · Moderate
Quarterly Momentum70/100 · Strong
Profit (4Q): +402% YoY Strong
Industry Rank30/100 · Weak
ROCE 6.8% vs industry 21.7% Below peersROE 0.5% vs industry 14.2% Below peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Indostar Capital Finance Ltd Investor Signals

Computed from valuation, cash flow, balance sheet, ownership and quarterly trend data already available in this stock page.

Value Trap Score
40/100
Moderate
Derived from: Cheapness + weak quality + weak cash support
Current data: P/E 0.0 vs Ind 98.5 | ROCE 6.8% | ROE 0.5% | CFO/NP N/A
Balance Sheet Stress
30/100
Comfortable
Derived from: Leverage + debt servicing + liquidity + debt trend
Current data: D/E 1.63x | IntCov 0.0x | Current 2.18x | Borrow/Reserve 0.00x
Cash Flow Reliability
29/100
Weak
Derived from: Cash backing of earnings + working capital pressure
Current data: CFO ₹0 Cr | NP ₹121 Cr | CFO/NP N/A
Ownership Accumulation
-75
Distribution
Derived from: FII + DII + promoter direction, adjusted by crowding
Current data: FII -0.62 pp | DII -0.40 pp | Prom -2.57 pp
Business Momentum
-25
Watch closely
Derived from: Latest quarter sales + profit + OPM change
Current data: Q Sales N/A | Q NP -20.9% | Q OPM N/A
Derived FieldValueHow it is derived
Valuation Gap %+48.7%((Fair Value - CMP) / CMP) × 100
Borrowings / Reserves0.00xLatest borrowings divided by latest reserves
CFO / Net ProfitN/ALatest operating cash flow divided by latest net profit
FII Change-0.62 ppLatest FII% minus previous FII%
DII Change-0.40 ppLatest DII% minus previous DII%
Promoter Change-2.57 ppLatest promoter% minus previous promoter%
Shareholder Count Change-1,321Latest shareholder count minus previous count
Quarterly Sales ChangeN/ALatest quarter sales vs previous quarter sales
Quarterly Profit Change-20.9%Latest quarter net profit vs previous quarter net profit
Quarterly OPM ChangeN/ALatest quarter OPM minus previous quarter OPM

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 3:06 am

Market Cap 3,152 Cr.
Current Price 195
Intrinsic Value₹289.94
High / Low 369/179
Stock P/E
Book Value 247
Dividend Yield0.00 %
ROCE6.79 %
ROE0.45 %
Face Value 10.0
PEG Ratio0.00

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for Indostar Capital Finance Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Indostar Capital Finance Ltd 3,152 Cr. 195 369/179 2470.00 %6.79 %0.45 % 10.0
Indo Thai Securities Ltd 3,235 Cr. 295 470/14486.5 16.90.03 %8.66 %6.54 % 1.00
Dhani Services Ltd 3,317 Cr. 51.1 76.5/49.897.8 47.00.00 %1.39 %1.81 % 2.00
Monarch Networth Capital Ltd 2,109 Cr. 266 399/23513.2 1110.38 %33.3 %26.2 % 10.0
Kalyani Investment Company Ltd 1,846 Cr. 4,224 6,555/3,80042.8 20,5760.00 %1.15 %0.84 % 10.0
Industry Average6,725.79 Cr1,029.6498.514,364.490.43%21.71%14.20%7.23

All Competitor Stocks of Indostar Capital Finance Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue281.27285.17299.09234.23238.16390.72306.54351.83373.23372.56343.51356.55346.39
Interest 135.41150.42154.38140.77145.31161.94166.78187.77192.98193.31185.47166.67137.13
Expenses 97.4652.3295.4877.5475.92205.26123.75138.53161.92161.44622.32172.00193.48
Financing Profit48.4082.4349.2315.9216.9323.5216.0125.5318.3317.81-464.2817.8815.78
Financing Margin %17.21%28.91%16.46%6.80%7.11%6.02%5.22%7.26%4.91%4.78%-135.16%5.01%4.56%
Other Income 0.444.050.2815.227.2219.1416.6714.0816.6326.141,186.200.290.13
Depreciation 10.239.187.876.377.247.397.747.917.237.747.337.667.60
Profit before tax 38.6177.3041.6424.7716.9135.2724.9431.7027.7336.21714.5910.518.31
Tax % 5.05%1.73%6.51%0.00%0.24%0.00%0.04%0.06%0.04%0.06%23.65%0.19%0.12%
Net Profit 36.6675.9638.9324.7716.8735.2724.9331.6827.7236.19545.5810.498.30
EPS in Rs 2.695.582.861.821.242.591.832.332.042.6639.920.770.51
Gross NPA %
Net NPA %

Last Updated: March 4, 2026, 9:02 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 24, 2026, 1:16 pm

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue3975286447207891,2061,5971,2831,1731,1781,1061,4081,419
Interest 192258289312326564863709540580580741683
Expenses 354361831452441,1427581,4953214295861,149
Financing Profit170227294325318398-408-184-8622779782-413
Financing Margin %43%43%46%45%40%33%-26%-14%-74%24%9%6%-29%
Other Income 000-0-1-01-21147691,213
Depreciation 111251830343540283130
Profit before tax 169226293323312379-437-219-896239116121770
Tax % 34%34%35%35%36%36%-26%-2%-18%6%0%0%
Net Profit 112149192211200241-325-214-737225116121601
EPS in Rs 21.8929.1037.4226.9025.4626.10-35.11-17.30-54.1216.558.518.8643.86
Dividend Payout % 0%0%0%0%0%8%-3%0%0%0%0%0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)33.04%28.86%9.90%-5.21%20.50%-234.85%34.15%-244.39%130.53%-48.44%4.31%
Change in YoY Net Profit Growth (%)0.00%-4.18%-18.96%-15.11%25.71%-255.35%269.01%-278.55%374.92%-178.97%52.75%

Indostar Capital Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:10%
5 Years:-3%
3 Years:6%
TTM:23%
Compounded Profit Growth
10 Years:-10%
5 Years:17%
3 Years:27%
TTM:-957%
Stock Price CAGR
10 Years:%
5 Years:0%
3 Years:11%
1 Year:-8%
Return on Equity
10 Years:0%
5 Years:-3%
3 Years:4%
Last Year:2%

Last Updated: September 5, 2025, 7:30 am

Balance Sheet

Last Updated: February 1, 2026, 12:51 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 68687378799292124136136136136137
Reserves 1,0671,2171,4681,8241,9962,9142,5883,5622,7932,9763,0993,4993,858
Borrowing1,8982,5743,0013,3734,8239,0627,1426,0206,2235,6487,5726,9165,709
Other Liabilities 1271331512132962323063765083573002,704528
Total Liabilities 3,1613,9924,6935,4897,19412,30010,12910,0829,6619,11611,10713,25610,232
Fixed Assets 113956370383366386377381365360
CWIP 0000800000000
Investments 615501871,0073012311,5915481,0391,1181,8181,989
Other Assets 3,0993,9364,6905,2936,12311,6299,5158,1258,7277,7009,60811,0737,882
Total Assets 3,1613,9924,6935,4897,19412,30010,12910,0829,6619,11611,10713,25610,232

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + -690-547-2,0911,7101,068-1,564899-2,208-1,061
Cash from Investing Activity + -194-842260-2,272-9921,165-259683-305
Cash from Financing Activity + 5891,4592,787-35435200-5401,9591,070
Net Cash Flow -29471956-916111-19999434-296
Free Cash Flow -697-603-2,1141,6681,064-1,600873-2,222-1,083
CFO/OP -91%-65%-203%397%203%485%105%-321%-129%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow34.0041.0058.0080.00141.00235.00-6.00752.00-5.00316.00422.00580.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days -0-0-0-0-00-0-0-0-0-0-0
Inventory Days
Days Payable
Cash Conversion Cycle -0-0-0-0-00-0-0-0-0-0-0
Working Capital Days -266-44-84-184-887-2034-15-913176107
ROCE %14%14%13%10%10%4%5%-4%9%6%7%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 89.21%75.00%75.00%75.00%75.00%73.60%73.60%73.59%73.29%72.98%72.96%70.39%
FIIs 1.16%1.29%1.38%1.33%1.49%2.12%2.26%2.43%2.68%3.10%2.89%2.27%
DIIs 1.54%1.74%1.80%1.84%1.77%1.78%1.82%1.86%2.29%2.39%2.49%2.09%
Public 8.09%21.97%21.83%21.83%21.74%22.51%22.32%22.11%21.74%21.53%21.65%25.25%
No. of Shareholders 74,44175,66675,22972,85270,43569,11265,47564,72563,33262,57063,19761,876

Shareholding Pattern Chart

No. of Shareholders

Indostar Capital Finance Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

This stock is not held by any mutual fund.

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) 8.868.5116.55-59.51-20.83
Diluted EPS (Rs.) 8.578.5116.55-59.51-20.83
Cash EPS (Rs.) 11.1110.9519.45-51.52-14.60
Book Value[Excl.RevalReserv]/Share (Rs.) 267.11237.75228.66215.25297.92
Book Value[Incl.RevalReserv]/Share (Rs.) 267.11237.75228.66215.25297.92
Revenue From Operations / Share (Rs.) 103.17102.3686.3085.44103.43
PBDIT / Share (Rs.) 60.5462.4863.08-23.6242.29
PBIT / Share (Rs.) 58.3060.0460.18-26.2239.58
PBT / Share (Rs.) 3.869.5317.54-65.87-17.69
Net Profit / Share (Rs.) 8.868.5116.55-54.12-17.30
NP After MI And SOA / Share (Rs.) 8.868.5116.55-54.12-17.30
PBDIT Margin (%) 58.6861.0373.10-27.6440.88
PBIT Margin (%) 56.5058.6569.73-30.6838.26
PBT Margin (%) 3.749.3020.32-77.09-17.10
Net Profit Margin (%) 8.588.3119.17-63.34-16.72
NP After MI And SOA Margin (%) 8.588.3119.17-63.34-16.72
Return on Networth / Equity (%) 3.313.587.23-25.14-5.80
Return on Capital Employeed (%) 21.7225.0226.12-7.248.51
Return On Assets (%) 0.901.042.46-7.62-2.12
Long Term Debt / Equity (X) 0.000.000.000.670.54
Total Debt / Equity (X) 1.902.341.822.121.63
Asset Turnover Ratio (%) 0.110.130.120.110.11
Current Ratio (X) 1.301.311.391.872.18
Quick Ratio (X) 1.301.311.391.872.18
Interest Coverage Ratio (X) 1.111.241.48-0.590.73
Interest Coverage Ratio (Post Tax) (X) 1.071.171.39-0.360.69
Enterprise Value (Cr.) 10659.309143.036649.548610.509364.24
EV / Net Operating Revenue (X) 7.596.565.667.417.32
EV / EBITDA (X) 12.9410.757.75-26.7917.90
MarketCap / Net Operating Revenue (X) 2.971.821.212.473.02
Price / BV (X) 1.150.780.450.981.05
Price / Net Operating Revenue (X) 2.971.821.212.473.02
EarningsYield 0.020.040.15-0.25-0.05

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Indostar Capital Finance Ltd. is a Public Limited Listed company incorporated on 21/07/2009 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L65100MH2009PLC268160 and registration number is 268160. Currently Company is involved in the business activities of Other financial service activities, except insurance and pension funding activities. Company's Total Operating Revenue is Rs. 1403.92 Cr. and Equity Capital is Rs. 136.10 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)Unit No 301-A, Opposite P & G Plaza, Cardinal Gracious Road, Mumbai Maharashtra 400099Contact not found
Management
NamePosition Held
Ms. Naina Krishna MurthyChairman(NonExe.&Ind.Director)
Mr. Randhir SinghExec. Vice Chairman & Mang Dir
Mr. Vishal GoenkaNon Executive Director
Mr. Devdutt MaratheNon Executive Director
Mr. Aditya JoshiNon Executive Director
Mr. Bobby ParikhNon Executive Director
Mr. Hemant KaulInd. Non-Executive Director
Ms. Sujatha MohanInd. Non-Executive Director

FAQ

What is the intrinsic value of Indostar Capital Finance Ltd and is it undervalued?

As of 05 April 2026, Indostar Capital Finance Ltd's intrinsic value is ₹289.94, which is 48.69% higher than the current market price of ₹195.00, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (0.45 %), book value (₹247), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Indostar Capital Finance Ltd?

Indostar Capital Finance Ltd is trading at ₹195.00 as of 05 April 2026, with a FY2026-2027 high of ₹369 and low of ₹179. The stock is currently near its 52-week low. Market cap stands at ₹3,152 Cr..

How does Indostar Capital Finance Ltd's P/E ratio compare to its industry?

Indostar Capital Finance Ltd has a P/E ratio of , which is below the industry average of 98.51. This is broadly in line with or below the industry average.

Is Indostar Capital Finance Ltd financially healthy?

Key indicators for Indostar Capital Finance Ltd: ROCE of 6.79 % is on the lower side compared to the industry average of 21.71%; ROE of 0.45 % is below ideal levels (industry average: 14.20%). Dividend yield is 0.00 %.

Is Indostar Capital Finance Ltd profitable and how is the profit trend?

Indostar Capital Finance Ltd reported a net profit of ₹121 Cr in Mar 2025 on revenue of ₹1,408 Cr. Compared to ₹-737 Cr in Mar 2022, the net profit shows an improving trend.

Does Indostar Capital Finance Ltd pay dividends?

Indostar Capital Finance Ltd has a dividend yield of 0.00 % at the current price of ₹195.00. The company is currently not paying meaningful dividends.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Indostar Capital Finance Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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