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India Finsec Ltd

NSE: BSE: 535667

181.30

(0.17%)

Wed, 18 Mar 2026, 00:17 am

India Finsec Analysis

dividend

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Pros

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    Cons

    • Unable to evaluate India Finsec's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
    • Unable to evaluate India Finsec's dividend against the top 25% market benchmark as the company has not reported any payouts.

    health

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    Pros

    • India Finsec is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
    • India Finsec is profitable, therefore cash runway is not a concern.
    • India Finsec is profitable, therefore cash runway is not a concern.
    • Debt is covered by short term assets, assets are 2.2x debt.
    • India Finsec's cash and other short term assets cover its long term commitments.
    • Low level of unsold assets.
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    Cons

    • Operating cash flow is negative therefore debt is not well covered.
    • The level of debt compared to net worth has increased over the past 5 years (0.2% vs 75.2% today).
    • India Finsec's level of debt (75.2%) compared to net worth is high (greater than 40%).

    management

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    Pros

    • The tenure for the India Finsec board of directors is about average.
    • Gopal's remuneration is lower than average for companies of similar size in India.
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    Cons

    • Gopal's compensation has increased by more than 20% in the past year whilst earnings grew less than 20%.

    misc

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    Pros

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      Cons

      • India Finsec is not covered by any analysts.
      • India Finsec's last earnings update was 285 days ago.
      • India Finsec has significant price volatility in the past 3 months.

      past

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      Pros

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        Cons

        • India Finsec used its assets less efficiently than the IN Consumer Finance industry average last year based on Return on Assets.
        • India Finsec has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
        • India Finsec's earnings growth has not exceeded the IN Consumer Finance industry average in the past year (4.4% vs 11%).

        value

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        Pros

        • India Finsec is good value based on assets compared to the IN Consumer Finance industry average.
        • India Finsec is good value based on earnings compared to the IN Consumer Finance industry average.
        • India Finsec is good value based on earnings compared to the India market.
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        Cons

        • 535667 underperformed the Consumer Finance industry which returned -28.8% over the past year.
        • 535667 underperformed the Market in India which returned -14.5% over the past year.
        • BSE:535667 is down -21.1% underperforming the Consumer Finance industry which returned 10.3% over the past month.
        • BSE:535667 is down -21.1% underperforming the market in India which returned 8% over the past month.

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        Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800