Indostar Capital Finance Ltd: Intrinsic Value & Share Price Analysis

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

Indostar Capital Finance Ltd is trading at 196.00 as of 25 April 2026, with a FY2026-2027 high of 369 and low of 178. The stock is currently near its 52-week low. Market cap stands at 3,160 Cr..

Q: Is Indostar Capital Finance Ltd financially healthy?

Key indicators: ROCE of 6.79 % is on the lower side. Dividend yield is 0.00 %.

Q: 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.

Fair Value

₹13.60Overvalued by 93.06%vs CMP ₹196.00

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

Defaults: P/E=15

₹290.37Undervalued by 48.15%vs CMP ₹196.00

MoS: +32.5% (Strong)Confidence: 43/100 (Low)Models: 4 Under, 4 Over

Model	Category	Value	Weight	Signal
PE-ROE	Earnings	₹34.10	22%	Over (-82.6%)
Graham Number	Earnings	₹493.71	16%	Under (+151.9%)
Earnings Power	Earnings	₹71.07	13%	Over (-63.7%)
DCF	Cash Flow	₹914.57	13%	Under (+366.6%)
Net Asset Value	Assets	₹247.79	9%	Under (+26.4%)
EV/EBITDA	Enterprise	₹19.23	11%	Over (-90.2%)
Earnings Yield	Earnings	₹438.60	9%	Under (+123.8%)
ROCE Capital	Returns	₹175.73	9%	Over (-10.3%)
Consensus (8 models)		₹290.37	100%	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

Analyst Summary

Indostar Capital Finance Ltd operates in the Finance & Investments segment, current market price is ₹196.00, market cap is 3,160 Cr.. At a glance, ROE is 0.45 %, ROCE is 6.79 %, book value is 247, dividend yield is 0.00 %. The latest intrinsic value estimate is ₹290.37, which is about 48.1% above the current price, so the page currently reads as potentially undervalued rather than fully priced. On operating trend, latest reported sales are about ₹1,408 Cr versus the prior period change of 27.3%, while latest net profit is about ₹121 Cr with a prior-period change of 4.3%. The 52-week range shown on this page is 369/178, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisIndostar 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(…

This summary is generated from the stock page data available for Indostar Capital Finance Ltd: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

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 14.1% 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.

Share Price and Basic Stock Data

Last Updated: April 25, 2026, 10:50 pm

Market Cap	3,160 Cr.
Current Price	196
Intrinsic Value	₹289.94
High / Low	369/178
Stock P/E
Book Value	247
Dividend Yield	0.00 %
ROCE	6.79 %
ROE	0.45 %
Face Value	10.0
PEG Ratio	0.00

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

Stock P/E Current Price Intrinsic Value

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	3,160 Cr.	196	369/178		247	0.00 %	6.79 %	0.45 %	10.0
Indo Thai Securities Ltd	3,251 Cr.	297	470/144	86.9	16.9	0.03 %	8.66 %	6.54 %	1.00
Dhani Services Ltd	3,317 Cr.	51.1	76.5/49.8	97.8	47.0	0.00 %	1.39 %	1.81 %	2.00
Monarch Networth Capital Ltd	2,109 Cr.	266	399/235	13.2	111	0.38 %	33.3 %	26.2 %	10.0
Kalyani Investment Company Ltd	2,073 Cr.	4,744	6,555/4,011	48.1	20,576	0.00 %	1.15 %	0.84 %	10.0
Industry Average	7,035.10 Cr	1,047.86		123.06	4,364.27	0.41%	21.65%	14.13%	7.23

All Competitor Stocks of Indostar Capital Finance Ltd

Quarterly Result

Metric	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	281.27	285.17	299.09	234.23	238.16	390.72	306.54	351.83	373.23	372.56	343.51	356.55	346.39
Interest	135.41	150.42	154.38	140.77	145.31	161.94	166.78	187.77	192.98	193.31	185.47	166.67	137.13
Expenses	97.46	52.32	95.48	77.54	75.92	205.26	123.75	138.53	161.92	161.44	622.32	172.00	193.48
Financing Profit	48.40	82.43	49.23	15.92	16.93	23.52	16.01	25.53	18.33	17.81	-464.28	17.88	15.78
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	0.44	4.05	0.28	15.22	7.22	19.14	16.67	14.08	16.63	26.14	1,186.20	0.29	0.13
Depreciation	10.23	9.18	7.87	6.37	7.24	7.39	7.74	7.91	7.23	7.74	7.33	7.66	7.60
Profit before tax	38.61	77.30	41.64	24.77	16.91	35.27	24.94	31.70	27.73	36.21	714.59	10.51	8.31
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	36.66	75.96	38.93	24.77	16.87	35.27	24.93	31.68	27.72	36.19	545.58	10.49	8.30
EPS in Rs	2.69	5.58	2.86	1.82	1.24	2.59	1.83	2.33	2.04	2.66	39.92	0.77	0.51
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

Metric	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	397	528	644	720	789	1,206	1,597	1,283	1,173	1,178	1,106	1,408	1,419
Interest	192	258	289	312	326	564	863	709	540	580	580	741	683
Expenses	35	43	61	83	145	244	1,142	758	1,495	321	429	586	1,149
Financing Profit	170	227	294	325	318	398	-408	-184	-862	277	97	82	-413
Financing Margin %	43%	43%	46%	45%	40%	33%	-26%	-14%	-74%	24%	9%	6%	-29%
Other Income	0	0	0	-0	-1	-0	1	-2	1	1	47	69	1,213
Depreciation	1	1	1	2	5	18	30	34	35	40	28	31	30
Profit before tax	169	226	293	323	312	379	-437	-219	-896	239	116	121	770
Tax %	34%	34%	35%	35%	36%	36%	-26%	-2%	-18%	6%	0%	0%
Net Profit	112	149	192	211	200	241	-325	-214	-737	225	116	121	601
EPS in Rs	21.89	29.10	37.42	26.90	25.46	26.10	-35.11	-17.30	-54.12	16.55	8.51	8.86	43.86
Dividend Payout %	0%	0%	0%	0%	0%	8%	-3%	0%	0%	0%	0%	0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024	2024-2025
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

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
Equity Capital	68	68	73	78	79	92	92	124	136	136	136	136	137
Reserves	1,067	1,217	1,468	1,824	1,996	2,914	2,588	3,562	2,793	2,976	3,099	3,499	3,858
Borrowing	1,898	2,574	3,001	3,373	4,823	9,062	7,142	6,020	6,223	5,648	7,572	6,916	5,709
Other Liabilities	127	133	151	213	296	232	306	376	508	357	300	2,704	528
Total Liabilities	3,161	3,992	4,693	5,489	7,194	12,300	10,129	10,082	9,661	9,116	11,107	13,256	10,232
Fixed Assets	1	1	3	9	56	370	383	366	386	377	381	365	360
CWIP	0	0	0	0	8	0	0	0	0	0	0	0	0
Investments	61	55	0	187	1,007	301	231	1,591	548	1,039	1,118	1,818	1,989
Other Assets	3,099	3,936	4,690	5,293	6,123	11,629	9,515	8,125	8,727	7,700	9,608	11,073	7,882
Total Assets	3,161	3,992	4,693	5,489	7,194	12,300	10,129	10,082	9,661	9,116	11,107	13,256	10,232

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity +	-690	-547	-2,091	1,710	1,068	-1,564	899	-2,208	-1,061
Cash from Investing Activity +	-194	-842	260	-2,272	-992	1,165	-259	683	-305
Cash from Financing Activity +	589	1,459	2,787	-354	35	200	-540	1,959	1,070
Net Cash Flow	-294	71	956	-916	111	-199	99	434	-296
Free Cash Flow	-697	-603	-2,114	1,668	1,064	-1,600	873	-2,222	-1,083
CFO/OP	-91%	-65%	-203%	397%	203%	485%	105%	-321%	-129%

Free Cash Flow

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Free Cash Flow	34.00	41.00	58.00	80.00	141.00	235.00	-6.00	752.00	-5.00	316.00	422.00	580.00

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

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days	-0	-0	-0	-0	-0	0	-0	-0	-0	-0	-0	-0
Inventory Days
Days Payable
Cash Conversion Cycle	-0	-0	-0	-0	-0	0	-0	-0	-0	-0	-0	-0
Working Capital Days	-266	-44	-84	-184	-887	-203	4	-15	-91	31	76	107
ROCE %		14%	14%	13%	10%	10%	4%	5%	-4%	9%	6%	7%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 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	74,441	75,666	75,229	72,852	70,435	69,112	65,475	64,725	63,332	62,570	63,197	61,876

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

Month	Mar 25	Mar 24	Mar 23	Mar 22	Mar 21
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	8.86	8.51	16.55	-59.51	-20.83
Diluted EPS (Rs.)	8.57	8.51	16.55	-59.51	-20.83
Cash EPS (Rs.)	11.11	10.95	19.45	-51.52	-14.60
Book Value[Excl.RevalReserv]/Share (Rs.)	267.11	237.75	228.66	215.25	297.92
Book Value[Incl.RevalReserv]/Share (Rs.)	267.11	237.75	228.66	215.25	297.92
Revenue From Operations / Share (Rs.)	103.17	102.36	86.30	85.44	103.43
PBDIT / Share (Rs.)	60.54	62.48	63.08	-23.62	42.29
PBIT / Share (Rs.)	58.30	60.04	60.18	-26.22	39.58
PBT / Share (Rs.)	3.86	9.53	17.54	-65.87	-17.69
Net Profit / Share (Rs.)	8.86	8.51	16.55	-54.12	-17.30
NP After MI And SOA / Share (Rs.)	8.86	8.51	16.55	-54.12	-17.30
PBDIT Margin (%)	58.68	61.03	73.10	-27.64	40.88
PBIT Margin (%)	56.50	58.65	69.73	-30.68	38.26
PBT Margin (%)	3.74	9.30	20.32	-77.09	-17.10
Net Profit Margin (%)	8.58	8.31	19.17	-63.34	-16.72
NP After MI And SOA Margin (%)	8.58	8.31	19.17	-63.34	-16.72
Return on Networth / Equity (%)	3.31	3.58	7.23	-25.14	-5.80
Return on Capital Employeed (%)	21.72	25.02	26.12	-7.24	8.51
Return On Assets (%)	0.90	1.04	2.46	-7.62	-2.12
Long Term Debt / Equity (X)	0.00	0.00	0.00	0.67	0.54
Total Debt / Equity (X)	1.90	2.34	1.82	2.12	1.63
Asset Turnover Ratio (%)	0.11	0.13	0.12	0.11	0.11
Current Ratio (X)	1.30	1.31	1.39	1.87	2.18
Quick Ratio (X)	1.30	1.31	1.39	1.87	2.18
Interest Coverage Ratio (X)	1.11	1.24	1.48	-0.59	0.73
Interest Coverage Ratio (Post Tax) (X)	1.07	1.17	1.39	-0.36	0.69
Enterprise Value (Cr.)	10659.30	9143.03	6649.54	8610.50	9364.24
EV / Net Operating Revenue (X)	7.59	6.56	5.66	7.41	7.32
EV / EBITDA (X)	12.94	10.75	7.75	-26.79	17.90
MarketCap / Net Operating Revenue (X)	2.97	1.82	1.21	2.47	3.02
Price / BV (X)	1.15	0.78	0.45	0.98	1.05
Price / Net Operating Revenue (X)	2.97	1.82	1.21	2.47	3.02
EarningsYield	0.02	0.04	0.15	-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.

INDUSTRY	ADDRESS	CONTACT
Non-Banking Financial Company (NBFC)	Unit No 301-A, Opposite P & G Plaza, Cardinal Gracious Road, Mumbai Maharashtra 400099	Contact not found

Management
Name	Position Held
Ms. Naina Krishna Murthy	Chairman(NonExe.&Ind.Director)
Mr. Randhir Singh	Exec. Vice Chairman & Mang Dir
Mr. Vishal Goenka	Non Executive Director
Mr. Devdutt Marathe	Non Executive Director
Mr. Aditya Joshi	Non Executive Director
Mr. Bobby Parikh	Non Executive Director
Mr. Hemant Kaul	Ind. Non-Executive Director
Ms. Sujatha Mohan	Ind. Non-Executive Director

FAQ

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

As of 25 April 2026, Indostar Capital Finance Ltd's intrinsic value is ₹290.37, which is 48.15% higher than the current market price of ₹196.00, 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 ₹196.00 as of 25 April 2026, with a FY2026-2027 high of ₹369 and low of ₹178. The stock is currently near its 52-week low. Market cap stands at ₹3,160 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 123.06. 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 21.65%; ROE of 0.45 % is below ideal levels (industry average: 14.13%). 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 ₹196.00. The company is currently not paying meaningful dividends.