Invigorated Business Consulting Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
CONS
- Net worth is negative - accumulated losses have eroded equity
- Company is loss-making at the operating / net level
- Company has a low return on capital employed of 0.0%
- Company has a low return on equity of 0.0% over last 3 years
- Company's sales have been declining over the last five years
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1045.10 | 32.05 | 650674.48 | 0.57 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1049.00 | 21.81 | 246827.97 | 1.03 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| CHOLAFIN | 1858.00 | 27.59 | 158685.46 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 371.70 | 29.20 | 157781.78 | 0.15 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 237.70 | 75.95 | 156956.68 | 0.25 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| BAJAJHLDNG | 11150.00 | 14.01 | 124092.26 | 1.75 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2935.00 | 10.36 | 117831.00 | 1.02 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 399.10 | 26.62 | 109254.11 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 315.00 | 24.81 | 78950.11 | 0.87 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 657.00 | 27.48 | 62522.95 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 692.90 | 26.45 | 57563.70 | 0.58 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| ESCORTSFIN | 7.90 | 467.61 | 31.80 | 0.00 | -0.05 | -32.50 | 0.00 | — | 0.00 | — |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Operating Profit | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 |
| OPM % | — | — | — | — | — | — | — | — | — | — | — | — | — |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before Tax | -0 | -0 | 0 | -0 | 0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 |
| Tax % | -0.00% | -0.00% | — | -0.00% | 0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% |
| Net Profit | -0 | -0 | 0 | -0 | 0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 |
| -0.02 | -0.02 | 0.00 | -0.02 | 0.02 | -0.01 | -0.01 | -0.01 | -0.01 | -0.02 | -0.01 | -0.01 | -0.01 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| 1 | 17 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | |
| Operating Profit | -1 | -16 | -0 | -0 | -0 | -0 | -1 | -0 | -0 | -0 | -0 |
| OPM % | -190.17% | -10284.21% | -697.24% | -286.47% | -283600.00% | -246.74% | — | — | — | — | — |
| 1 | 14 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before Tax | -0 | -3 | 0 | 0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 |
| Tax % | -0.00% | 64.73% | 0.00% | 0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% |
| Net Profit | -0 | -1 | 0 | 0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 |
| EPS | 0.00 | 0.00 | 0.00 | 0.04 | 0.00 | -0.03 | -0.11 | -0.05 | -0.02 | -0.06 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- —
RETURN ON EQUITY
- 10 Years:
- 0%
- 5 Years:
- 0%
- 3 Years:
- 0%
- Last Year:
- 0%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 40 | 40 | 40 | 40 | 40 | 40 | 40 | 40 | 40 | 40 |
| -217 | -218 | -219 | -219 | -219 | -219 | -219 | -219 | -219 | -220 | |
| 157 | 157 | 157 | 157 | 158 | 168 | 168 | 168 | 168 | 168 | |
| 29 | 26 | 26 | 26 | 26 | 15 | 15 | 15 | 15 | 15 | |
| Total Liabilities | 8 | 5 | 5 | 5 | 5 | 5 | 4 | 4 | 4 | 4 |
| 5 | 3 | 3 | 3 | 2 | 0 | 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Cash & Bank | 0 | 0 | 0 | 0 | 0 | 4 | 2 | 3 | 3 | 1 |
| 3 | 2 | 2 | 2 | 3 | 1 | 2 | 1 | 1 | 4 | |
| Total Assets | 8 | 5 | 5 | 5 | 5 | 5 | 4 | 4 | 4 | 4 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | -0 | -0 | 0 | -0 | 10 | -1 | 1 | -0 | -2 | |
| Cash from Investing | 0 | 1 | 0 | 0 | 0 | 4 | -0 | 0 | 0 | 0 |
| Cash from Financing | -1 | -0 | -0 | -0 | -0 | -11 | 0 | 0 | 0 | 0 |
| -0 | 0 | -0 | 0 | -0 | 4 | -2 | 1 | -0 | -2 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | ||||||||||
| EPS (₹) | -0.01 | -0.24 | 0.02 | 0.03 | -0.00 | -0.03 | -0.11 | -0.05 | -0.02 | -0.06 |
| Book Value (₹) | -44.11 | -44.35 | -44.43 | -44.43 | -44.43 | -44.46 | -44.57 | -44.62 | -44.64 | -44.70 |
| Dividend per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash EPS (₹) | -0.01 | -0.24 | 0.02 | 0.03 | -0.00 | -0.03 | -0.11 | -0.05 | -0.02 | -0.06 |
| PROFITABILITY | ||||||||||
| Operating Margin % | -19.52% | -1737.11% | 144.59% | 149.20% | -10500.00% | -102.45% | 0.00% | 0.00% | 0.00% | 0.00% |
| Net Margin % | -19.52% | -612.64% | 144.37% | 149.09% | 0.00% | -102.45% | 0.00% | 0.00% | 0.00% | 0.00% |
| ROE % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ROCE % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| -0.69% | -14.40% | 1.36% | 2.86% | -0.22% | -2.64% | -10.22% | -4.85% | -1.93% | -5.59% | |
| EFFICIENCY | ||||||||||
| Debtor Days | 0 | 0 | 0 | 101 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 101 | 0 | 0 | 0 | 0 | 0 | 0 | |
| FINANCIAL HEALTH | ||||||||||
| Debt to Equity (x) | -0.05x | -0.05x | -0.05x | -0.05x | -0.05x | -0.05x | -0.05x | -0.05x | -0.05x | -0.05x |
| Interest Coverage (x) | 0.00x | 0.00x | 681.00x | 1401.00x | 0.00x | 0.00x | -10.71x | -1.12x | 0.16x | -1.41x |
| 0.08x | 0.01x | 0.01x | 0.01x | 0.01x | 0.16x | 0.10x | 0.14x | 0.13x | 0.03x | |
| GROWTH | ||||||||||
| Revenue Growth % | -60.87% | -46.66% | -70.38% | 99.36% | -99.89% | 0.00% | -100.00% | 0.00% | 0.00% | 0.00% |
| Operating Profit Growth % | -115.98% | -4645.70% | 102.47% | 105.73% | -107.49% | -1096.19% | -230.25% | 74.45% | 115.57% | -907.27% |
| Net Profit Growth % | -115.98% | -1573.71% | 106.98% | 105.88% | -107.50% | -1096.19% | -261.62% | 55.46% | 60.75% | -188.54% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 55.47% | 60.68% | -187.88% | |
| VALUATION | ||||||||||
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | -0.12x | -0.13x | -0.11x |
| Dividend Yield % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | -261.03x | 1801.19x | -220.15x |
Documents
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