Indus Finance Limited Fundamental Analysis
Indus Finance Limited Fundamental Analysis
Indus Finance Limited (INDUSFINL.BO) shows moderate financial fundamentals with a PE ratio of 55.97, profit margin of 21.53%, and ROE of 8.74%. The company generates $0.1B in annual revenue with strong year-over-year growth of 61.58%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 73.9/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze INDUSFINL.BO's fundamental strength across five key dimensions:
Efficiency Score
WeakINDUSFINL.BO struggles to generate sufficient returns from assets.
Valuation Score
ModerateINDUSFINL.BO shows balanced valuation metrics.
Growth Score
ExcellentINDUSFINL.BO delivers strong and consistent growth momentum.
Financial Health Score
ModerateINDUSFINL.BO shows balanced financial health with some risks.
Profitability Score
ModerateINDUSFINL.BO maintains healthy but balanced margins.
Key Financial Metrics
Is INDUSFINL.BO Expensive or Cheap?
P/E Ratio
INDUSFINL.BO trades at 55.97 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, INDUSFINL.BO's PEG of 0.60 indicates potential undervaluation.
Price to Book
The market values Indus Finance Limited at 4.89 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 36.15 times EBITDA. This signals the market has high growth expectations.
How Well Does INDUSFINL.BO Make Money?
Net Profit Margin
For every $100 in sales, Indus Finance Limited keeps $21.53 as profit after all expenses.
Operating Margin
Core operations generate 30.87 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $8.74 in profit for every $100 of shareholder equity.
ROA
Indus Finance Limited generates $5.82 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Indus Finance Limited generates strong operating cash flow of $130.93M, reflecting robust business health.
Free Cash Flow
Indus Finance Limited generates strong free cash flow of $130.93M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $14.14 in free cash annually.
FCF Yield
INDUSFINL.BO converts 11.66% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
55.97
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.60
vs 25 benchmark
P/B Ratio
Price to book value ratio
4.89
vs 25 benchmark
P/S Ratio
Price to sales ratio
12.05
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.48
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.09
vs 25 benchmark
ROA
Return on assets percentage
0.06
vs 25 benchmark
ROCE
Return on capital employed
0.08
vs 25 benchmark
How INDUSFINL.BO Stacks Against Its Sector Peers
| Metric | INDUSFINL.BO Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 55.97 | 19.35 | Worse (Expensive) |
| ROE | 8.74% | 806.00% | Weak |
| Net Margin | 21.53% | -7442.00% (disorted) | Strong |
| Debt/Equity | 0.48 | 1.07 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 610.69 | Weak Liquidity |
| ROA | 5.82% | -23941.00% (disorted) | Weak |
INDUSFINL.BO outperforms its industry in 2 out of 6 key metrics, particularly excelling in Net Margin, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Indus Finance Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
210.79%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
303.51%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
78.82%
Industry Style: Value, Dividend, Cyclical
High Growth