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Banking And Finance | Small Cap
Health Score : 5.57Indostar Capital Finance Ltd exhibits a mixed financial profile. The company demonstrates strong solvency, supported by a solid equity position, and notable profitability driven by healthy gross and operating margins. Its growth is fueled by significant revenue and asset expansion. However, liquidity is weak, and certain growth metrics like operating profit and EPS growth are concerning. While the company's capital expenditure management is sound, its dividend policy offers no immediate returns to investors. Overall, Indostar Capital Finance shows potential but needs to address its liquidity and earnings consistency to ensure sustained financial health. A weighted average calculation was used to derive these conclusions, giving more weight to recent financial performance.
Health Score : 5.57Indostar Capital Finance Ltd exhibits a mixed financial profile. The company demonstrates strong solvency, supported by a solid equity position, and notable profitability driven by healthy gross and operating margins. Its growth is fueled by significant revenue and asset expansion. However, liquidity is weak, and certain growth metrics like operating profit and EPS growth are concerning. While the company's capital expenditure management is sound, its dividend policy offers no immediate returns to investors. Overall, Indostar Capital Finance shows potential but needs to address its liquidity and earnings consistency to ensure sustained financial health. A weighted average calculation was used to derive these conclusions, giving more weight to recent financial performance.
Overall Valuation Score
Markets Depth NSE
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0
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Sell Orders
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0
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Markets Today NSE
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Avg Price
0.00
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Last Traded Quantity
0
Last Traded Time
N/A
Price Movement Indicator
Today's Low: 0.00
Today's High: 0.00
P/E RATIO (TTM)
31.28
Industry Median
20.55
Small Cap Median
13.12
P/E RATIO
29.01
P/B RATIO
1.08
Industry Median
1.24
Small Cap Median
0.95
P/S RATIO
2.99
Industry Median
4.30
Small Cap Median
3.07
Others
PEG RATIO
0.00
EV/EBITDA RATIO
9.73
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹252.08 as on Sep 1, 2026.
Growth Score : 4.80The company exhibits mixed growth performance. Revenue and asset growth rates are strong, indicating expansion and investment. However, declines in operating profit, EPS, and net income growth raise concerns about profitability and earnings sustainability. These conflicting trends suggest the company is growing, but not necessarily efficiently. Strategies to improve profitability are essential for long-term success.
Revenue Growth RateExcellentOperating Profit Growth RatePoorEarnings Per Share (EPS) GrowthPoorAsset Growth RateExcellentNet Income Growth RatePoor| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | -8.57 | 0.43 | -6.11 | 27.31 | -1.07 |
| Operating Profit Growth Rate | -368.48 | 132.13 | -64.98 | -15.46 | -1134.15 |
| Earnings Per Share (EPS) Growth | -212.83 | 130.58 | -48.58 | 4.11 | -1.92 |
| Asset Growth Rate | -4.18 | -5.64 | 21.84 | 19.35 | -28.21 |
| Net Income Growth Rate | -244.39 | 130.53 | -48.44 | 4.31 | 15.7 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | Paisalo Digital Ltd | 8.59 | 25.70 | Highly Overvalued | 331.00 | 2.58 | 237.00 |
| 2 | Northern Arc Capital Ltd | 8.36 | 11.92 | Neutral | 544.00 | 26.55 | 404.00 |
| 3 | PTC India Financial Services Ltd | 8.05 | 5.42 | Highly Undervalued | 396.00 | 4.97 | 319.00 |
| 4 | PNB Gilts Ltd | 6.88 | 7.58 | Neutral | 1555.00 | 10.09 | 182.00 |
| 5 | Nalwa Sons Investments Ltd | 6.75 | 53.67 | Neutral | 76.00 | 90.24 | 57.00 |
| 6 | Arman Financial Services Ltd | 5.58 | 36.25 | Overvalued | 79.00 | 38.62 | 57.00 |
| 7 | Indostar Capital Finance Ltd | 5.57 | 29.01 | Neutral | -848.00 | 8.06 | 140.00 |
| 8 | Mufin Green Finance Ltd | 5.49 | 82.61 | Neutral | 40.00 | 1.43 | 28.00 |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bearish
Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Strong Bearish
Momentum Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Volatility Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Volume Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
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No Stock News Available at This Moment.
Indostar Capital Finance Ltd. is an Indian non-banking financial company (NBFC) specializing in commercial vehicle financing, affordable housing loans, and SME business loans. The company also offers used car and two-wheeler loans, primarily catering to customers in semi-urban and rural markets across India, focusing on the retail lending segment.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. Indostar Capital Finance Ltd's P/E ratio (TTM) is 31.28, compared to the industry median of 20.55 and large cap median of 13.12.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. Indostar Capital Finance Ltd's P/B ratio is 1.08, compared to the industry median of 1.24 and large cap median of 0.95.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. Indostar Capital Finance Ltd's P/S ratio is 2.99, compared to the industry median of 4.30 and large cap median of 3.07.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. Indostar Capital Finance Ltd's PEG ratio is N/A.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. Indostar Capital Finance Ltd's EV/EBITDA ratio is 9.73.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. Indostar Capital Finance Ltd's ROE is 3.70%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. Indostar Capital Finance Ltd's ROA is -8.91%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. Indostar Capital Finance Ltd's ROCE is 24.61%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. Indostar Capital Finance Ltd's operating margin is -60.88%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. Indostar Capital Finance Ltd's net margin is 10.05%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. Indostar Capital Finance Ltd's current ratio is 31.83.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. Indostar Capital Finance Ltd's debt-to-equity ratio is 0.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. Indostar Capital Finance Ltd's interest coverage ratio is 1.50.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. Indostar Capital Finance Ltd's DPS is ₹0.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. Indostar Capital Finance Ltd's EPS is -1.92.
(Source line: "Ratios as of 28 Sept 2026, based on last traded price of ₹252.08. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 2011
Headquarters: Mumbai, Maharashtra
Core Offerings: Commercial Vehicle Finance, Affordable Housing Finance, SME Business Loans, Used Car Finance, Two-Wheeler Finance
Stock Listing: NSE (INDOSTAR), BSE (541336)
Promoter: Professionally Managed / Institutionally Owned
Indostar Capital Finance Ltd. was incorporated in July 2011, promoted by Everstone Capital. It received its NBFC license in 2011 and initially focused on corporate and SME lending. Post-2017, the company strategically diversified into retail lending segments, including commercial vehicle financing and affordable housing. In 2018, Indostar went public with its Initial Public Offering (IPO). In 2019, it acquired the commercial vehicle finance business of India Infoline Finance Limited (IIFL). Over the years, it has strengthened its retail presence and diversified its product portfolio.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Commercial Vehicle Finance | 37% (AUM) | Operating Profit |
| Affordable Housing Finance | 32% (AUM) | Operating Profit |
| SME Business Loans | 21% (AUM) | Operating Profit |
| Used Car Finance | 6% (AUM) | Operating Profit |
Commercial Vehicle Finance: Provides financing for new and used commercial vehicles, including heavy and light commercial vehicles, catering to small and medium fleet operators.
Affordable Housing Finance: Offers home loans to self-employed and salaried individuals in the affordable segment, primarily for purchase, construction, and renovation of homes.
SME Business Loans: Extends secured and unsecured business loans to small and medium enterprises for working capital and business expansion needs.
Used Car & Two-Wheeler Finance: Offers financing solutions for pre-owned cars and new two-wheelers, expanding its reach to retail customers in semi-urban and rural areas.
Mr. Bobby Parikh - Non-Executive Chairman. He is a veteran in the financial services sector with extensive experience in regulatory, tax, and M&A advisory. Mr. R. Sridhar - Executive Vice Chairman & CEO. He has over three decades of experience in retail finance and banking, having previously led Shriram Transport Finance Company Limited.
In 2019, acquired the commercial vehicle finance business of India Infoline Finance Limited (IIFL). No major recent bonus or rights issues on record.
The Indostar Capital Finance Ltd share price today is ₹252.08 on NSE (INDOSTAR), as of 28 Sept 2026.
As of 28 Sept 2026, Indostar Capital Finance Ltd share price is ₹252.08, with previous close ₹252.08. Today's range is ₹252.08 to ₹252.08. The 52-week range is ₹179.03 to ₹292.
As of today, Indostar Capital Finance Ltd's market cap is ₹4,169.4 crore (Small Cap).
Indostar Capital Finance Ltd's current P/E ratio is 31.28, compared to the BANKING AND FINANCE sector average of 26.80.
Indostar Capital Finance Ltd's current P/B ratio is 1.08.
Indostar Capital Finance Ltd's current dividend yield is N/A. Last dividend of ₹0.00 per share was declared on N/A.
Indostar Capital Finance Ltd's EPS (TTM) is ₹-1.92.
Indostar Capital Finance Ltd. is an Indian non-banking financial company (NBFC) specializing in commercial vehicle financing, affordable housing loans, and SME business loans. The company also offers used car and two-wheeler loans, primarily catering to customers in semi-urban and rural markets across India, focusing on the retail lending segment.
Indostar Capital Finance Ltd is promoted by Professionally Managed / Institutionally Owned, holding 70.38% as of 28 Sept 2026.
Indostar Capital Finance Ltd is listed on NSE (INDOSTAR) and BSE (541336). Its next quarterly results are expected on Late July / Early August 2024 (for Q1 FY25).