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Indostar Capital Finance Ltd.

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indostarcapital.comBSE: 541336NSE: INDOSTAR
Market Cap₹ 3,985 Cr.
Current Price
High / Low₹ 292 / 179
Stock P/E—
Book Value₹ 235
Price to Book1.25
Dividend Yield0.00 %
ROCE7.4 %
ROE1.6 %
Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2025 • Commercial vehicles: 69.1% • Discountinued operations-Housing Finance: 22.5% • Unallocated: 4.1%

AI Sector View

AI GENERATED

Financial Services

Buy

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.

Confidence
84%
View full sector analysis →

PROS

  • Comfortable capital adequacy - CAR of 28.5%
  • Asset quality is healthy - gross NPA of just 0.0%
  • Operating margins have improved to 53.2% from -27.6%

CONS

  • Net NPA is elevated at 2.5% - provisioning cushion is thin
  • A large part of profit comes from other income (145.6% of PBT)
  • Recent results are weak - TTM profit is down 126.4% versus prior year
  • Company has a low return on equity of 3.8% over last 3 years
  • Company has a low return on capital employed of 7.7%
  • Promoter holding has decreased over last 2 years: -3.2pp

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - NBFC
Part ofNIFTY 50NIFTY 500NIFTY LARGEMIDCAP 250NIFTY 100NIFTY 200
S.No.Name
1.BAJFINANCE1034.2031.71643888.190.586080.6027.6023165.4520.3710.8770.70
2.SHRIRAMFIN1028.0021.37241893.031.053452.7759.9013400.4317.4611.4974.63
3.CHOLAFIN1845.0027.40157575.180.111656.2245.568856.2921.899.7070.07
4.TATACAP362.8028.50154003.850.1616281.801464.1688219.301051.008.6675.72
5.JIOFIN230.0073.49151872.260.268302.502457.2920044.703172.822.1169.71
6.BAJAJHLDNG11120.7013.97123766.171.752708.08-92.27394.3323.3414.81684.72
7.MUTHOOTFIN2794.409.86112186.351.072824.8443.088671.6036.2515.8783.76
8.ABCAPITAL398.6026.59109118.680.0012238.501332.54121795.401181.698.8241.91
9.LTF309.5024.3777571.610.89915.9930.705212.9222.388.5462.13
10.SBICARD656.0527.4462432.550.38664.4419.515040.557.6011.7529.83
11.HDBFS668.6525.5355549.100.60785.2038.314937.9018.719.0957.98
12.INDOSTAR246.500.003984.810.0011.47-97.90363.875.937.4343.82
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
299313238391307352373373344357346347364
9528476205124139162161622172193633355
Operating Profit2042021621851832132112112,073185153-286159
OPM %68.08%64.62%68.12%47.47%59.63%60.63%56.62%56.67%603.50%51.76%44.14%-82.46%43.82%
Other Income0013200200003
Interest154165145162167188193193185167137132144
Depreciation8877887878866
4230101911181113704118-42411
Tax %6.51%16.57%0.38%0.00%0.09%0.11%0.09%0.16%23.99%0.19%0.12%-0.00%0.09%
Net Profit02500249317277362546108-42411
301322234011-260

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
6447197891,2061,5971,2801,1631,1741,1031,4041,413
61831562481,1427711,4998495516571,353
Operating Profit583636633958455509-33632555274760
OPM %90.52%88.44%80.28%79.46%28.51%39.79%-28.90%27.69%50.05%53.23%4.26%
019311415533126773
Interest289312326564863709540580580741580
Depreciation1251830343540283128
Profit before Tax293323312379-437-219-8962397053-394
Tax %34.64%34.75%35.89%36.49%25.66%2.19%17.83%5.65%0.06%0.11%-0.01%
Net Profit192211200241-325-214-7372257052-394
EPS0.000.000.000.000.00-20.83-59.5116.558.518.86—
Dividend Payout %0.00%0.00%0.00%7.66%-2.85%0.00%0.00%0.00%0.00%0.00%—

COMPOUNDED SALES GROWTH

10 Years:
10%
5 Years:
-3%
3 Years:
6%

COMPOUNDED PROFIT GROWTH

10 Years:
-2%
5 Years:
—
3 Years:
—

STOCK PRICE CAGR

10 Years:
—
5 Years:
-4%
3 Years:
12%
1 Year:
-8%

RETURN ON EQUITY

10 Years:
2%
5 Years:
-4%
3 Years:
4%
Last Year:
2%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Corporate actions

No bonus data found

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
7378799292124136136136136
1,4681,8241,9402,8472,5033,5092,7222,9553,0783,199
3,0293,4324,8959,1527,1426,0876,3825,6787,6096,946
Trade Payables359191143810
10913320717225021510229-212,658
Total Liabilities4,6835,4727,13112,2839,9999,9399,3458,80610,80412,939
3956370421387399390394378
Capital Work in Progress0080000000
01871,0073012311,5915481,0391,1181,818
Cash & Bank360651281,120545520490416630107
4,3205,2125,93210,4928,8027,4417,9086,9608,66110,636
Total Assets4,6835,4727,13112,2839,9999,9399,3458,80610,80412,939

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
-439-581-94-2,4211,809531-2,032414-2,011-1,517
Cash from Investing317-194-842260-2,272-9921,165-259674-305
Cash from Financing3655891,4592,787-35435200-5401,2671,070
139-29471956-916111-19999223-296

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
73.6073.6073.5973.2972.9872.9670.3970.3870.36
2.122.262.432.683.102.892.272.592.56
1.781.821.862.292.392.492.092.172.20
Government0.000.000.000.000.000.000.000.000.00
22.5022.3222.1221.7421.5321.6525.2524.8624.87

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-02
Updates

2026-09-02 - IndoStar Capital Finance Limited has informed the Exchange regarding 'Letter to the Shareholders - AGM Notice and Annual Report 2025-26'.

2026-09-02
Copy of Newspaper Publication

2026-09-02 - IndoStar Capital Finance Limited has informed the Exchange about Copy of Newspaper Publication

2026-09-01
Updates

2026-09-01 - IndoStar Capital Finance Limited has informed the Exchange regarding Business Responsibility Sustainability Report for the Financial Year ended 2025-26.

2026-09-01
Shareholders meeting

2026-09-01 - IndoStar Capital Finance Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 25, 2026

2026-08-28
Copy of Newspaper Publication

2026-08-28 - IndoStar Capital Finance Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-26
Copy of Newspaper Publication

2026-08-26 - Newspaper Advertisement - Notice to the Equity shareholders of the Company for transfer of Equity Shares to the Investors Education & Protection Fund (IEPF) Suspense Account of FY 2019-20

2026-08-12
Allotment of Securities

2026-08-12 - IndoStar Capital Finance Limited has informed the Exchange regarding allotment of 63045 securities pursuant to ESOP/ESPS at its meeting held on August 12, 2026

2026-08-05
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-05 - IndoStar Capital Finance Limited has informed the Exchange about Transcript

2026-07-30
Copy of Newspaper Publication

2026-07-30 - IndoStar Capital Finance Limited has informed the Exchange about Copy of Newspaper Publication

News

Recent coverage and analyst commentary for INDOSTAR

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