India Finsec Limited
India Finsec Limited Fundamental Analysis
India Finsec Limited (IFINSEC.BO) shows strong financial fundamentals with a PE ratio of 7.02, profit margin of 17.94%, and ROE of 11.70%. The company generates $4.5B in annual revenue with strong year-over-year growth of 12.28%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 47.4/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze IFINSEC.BO's fundamental strength across five key dimensions:
Efficiency Score
WeakIFINSEC.BO struggles to generate sufficient returns from assets.
Valuation Score
ExcellentIFINSEC.BO trades at attractive valuation levels.
Growth Score
ModerateIFINSEC.BO shows steady but slowing expansion.
Financial Health Score
ModerateIFINSEC.BO shows balanced financial health with some risks.
Profitability Score
WeakIFINSEC.BO struggles to sustain strong margins.
Key Financial Metrics
Is IFINSEC.BO Expensive or Cheap?
P/E Ratio
IFINSEC.BO trades at 7.02 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, IFINSEC.BO's PEG of 1.53 indicates fair valuation.
Price to Book
The market values India Finsec Limited at 0.83 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 7.03 times EBITDA. This is generally considered low.
How Well Does IFINSEC.BO Make Money?
Net Profit Margin
For every $100 in sales, India Finsec Limited keeps $17.94 as profit after all expenses.
Operating Margin
Core operations generate 34.76 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $11.70 in profit for every $100 of shareholder equity.
ROA
India Finsec Limited generates $2.61 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
India Finsec Limited generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
India Finsec Limited generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
IFINSEC.BO converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
7.02
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.53
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.83
vs 25 benchmark
P/S Ratio
Price to sales ratio
6.64
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
3.10
vs 25 benchmark
Current Ratio
Current assets to current liabilities
3.97
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.12
vs 25 benchmark
ROA
Return on assets percentage
0.03
vs 25 benchmark
ROCE
Return on capital employed
0.06
vs 25 benchmark
How IFINSEC.BO Stacks Against Its Sector Peers
| Metric | IFINSEC.BO Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 7.02 | 19.08 | Better (Cheaper) |
| ROE | 11.70% | 799.00% | Weak |
| Net Margin | 17.94% | -7710.00% (disorted) | Strong |
| Debt/Equity | 3.10 | 2.40 | Weak (High Leverage) |
| Current Ratio | 3.97 | 560.55 | Strong Liquidity |
| ROA | 2.61% | -23972.00% (disorted) | Weak |
IFINSEC.BO outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews India Finsec Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
487.15%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
884.15%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-1160.74%
Industry Style: Value, Dividend, Cyclical
Declining