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Industrial & Prudential Investment Company Ltd.

•
industrialprudential.comBSE: 501298NSE: INDPRUD
Market Cap₹ 1,051 Cr.
Current Price
High / Low₹ 7,052 / 5,750
Stock P/E48.6
Book Value₹ 2,958
Price to Book1.92
Dividend Yield1.91 %
ROCE4.3 %
ROE4.3 %
Face Value₹ 10

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ABOUT

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 55.8%
  • Solid return on assets for a lender - ROA of 4.0%
  • Asset quality is healthy - gross NPA of just 0.0%
  • Company has a consistent dividend-paying track record
  • Company generates healthy free cash flow

CONS

  • Recent results are weak - TTM profit is down 58.5% versus prior year
  • Company has a low return on capital employed of 4.1%
  • Company has a low return on equity of 4.0% over last 3 years
  • Effective tax rate is unusually low at 0.5% - earnings may be flattered
  • Expensive relative to growth - PEG of 4.2

* 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.BAJFINANCE1057.0032.41658083.370.576080.6027.6023165.4520.3710.8770.70
2.SHRIRAMFIN1046.8521.76246322.081.033452.7759.9013400.4317.4611.4974.63
3.JIOFIN237.0075.73156494.460.25830.25155.732004.47227.282.1169.71
4.CHOLAFIN1820.0027.03155440.010.111656.2245.568856.2921.899.7070.07
5.TATACAP364.8528.66154874.050.1616281.801464.1688219.301051.008.6675.72
6.BAJAJHLDNG11090.3013.94123427.841.762708.08-92.27394.3323.3414.81684.72
7.MUTHOOTFIN2935.4510.36117849.061.022824.8443.088671.6036.2515.8783.76
8.ABCAPITAL396.9026.47108651.860.001223.8543.8512179.54137.848.8241.91
9.LTF312.1024.5878223.260.88915.9930.705212.9222.388.5462.13
10.SBICARD633.0526.4860243.770.39664.4419.515040.557.6011.7529.83
11.HDBFS674.8025.7656060.020.59785.2038.314937.9018.719.0957.98
12.INDPRUD6270.0017.261050.751.9110.92-92.062.743.837.72400.99
Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
13210116101821019
0000000000000
Operating Profit13110117101821019
OPM %100.30%96.00%94.63%74.42%106.52%102.32%90.21%90.91%100.17%94.01%93.85%22.86%98.30%
Other Income0000000000000
Interest0000000000000
Depreciation0000000000000
13110117101821019
Tax %9.00%-49.31%18.44%9.38%2.04%0.48%0.00%-69.70%0.17%1.91%0.00%62.50%0.38%
Net Profit12210117111821019
7213726998310597011
Equity Capital2222222222222
Reserves0000000000000
Promoter Pledge %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
8910813131717202223
11131111111
Operating Profit79910121316171921—
OPM %909393127959594959595—
Other Income00050000000
Interest00000000000
Depreciation00000000000
7991012131617192122
Tax %4461081365-111
Net Profit789911111516192022
EPS000066668894116122—
Dividend Payout %63535150387668969598—
Minority Interest00000000000
Share of Associates00000000000
Adjusted EPS4047495066668894116122—

COMPOUNDED SALES GROWTH

10 Years:
13%
5 Years:
11%
3 Years:
9%

COMPOUNDED PROFIT GROWTH

10 Years:
12%
5 Years:
13%
3 Years:
12%

STOCK PRICE CAGR

10 Years:
—
5 Years:
—
3 Years:
—
1 Year:
—

RETURN ON EQUITY

10 Years:
8%
5 Years:
4%
3 Years:
4%
Last Year:
4%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Corporate actions

2016

Jul 19

2:1

Industrial & Prudential Investment Company Ltd has informed BSE that a meeting of the Board of Directors of the Company will be held on May 30, 2016, to consider the following: 1. To adopt audited financial statements for the year ended March 31, 2016. 2. To recommend dividend for the financial year ended March 31, 2016. 3. To recommend issue of bonus shares. 4. To recommend shifting of the registered office from the State of Maharashtra to the State of West Bengal & Dividend & Bonus issue & Audited Results

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
LIABILITIES----------
Equity Capital2222222222
3437191176296388361476471475
113329123124383931
Total Liabilities3740226207310421387515512508
ASSETS----------
3438221203305408374502496503
Cash & Bank2111122123
01434111111143
Total Assets3740226207310421387515512508
Total Debt0000000000
Net Working Capital1121404420617
Contingent Liabilities0000051010100
Book Value per Share203.38220.491104.831019.761778.182325.762163.172850.162822.112845.95
Face Value10.0010.0010.0010.0010.0010.0010.0010.0010.0010.00

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
55577411141223
Cash from Investing3-10-281-3-44-5
Cash from Financing-7-5-5-5-15-4-8-10-15-18
1-1-0-000-0-00-0
Free Cash Flow55577411141223
OCF / Net Profit0.710.590.550.820.630.340.730.880.601.14
Cumulative 5-Year FCF0000292833424763

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
PER SHARE
EPS (₹)39.8447.2049.4249.7266.4165.9587.7993.89116.28121.95
Book Value (₹)203.38220.491104.831019.761778.182325.762163.172850.162822.112845.95
Dividend per Share (₹)25.0025.0025.0025.0025.0050.0060.0090.00110.00120.00
Cash EPS (₹)39.9247.2149.4249.7266.4165.9587.7993.89116.28121.95
PROFITABILITY
Operating Margin %90.04%93.09%93.43%126.98%94.58%95.39%94.05%95.37%94.65%95.19%
Net Margin %86.05%89.59%88.20%114.72%86.60%83.14%88.46%90.92%95.48%94.70%
ROE %21.72%22.27%7.46%4.68%4.68%3.21%3.91%3.75%4.10%4.30%
ROCE %22.69%23.14%7.90%5.18%5.11%3.69%4.16%3.93%4.07%4.33%
18.94%21.53%6.50%4.01%4.30%3.02%3.64%3.49%3.79%4.01%
EFFICIENCY
Debtor Days0000000000
Inventory Days0000000000
Payable Days0000000000
0000000000
FINANCIAL HEALTH
Debt to Equity (x)0.00x0.00x0.00x0.00x0.00x0.00x0.00x0.00x0.00x0.00x
Interest Coverage (x)0.00x0.00x0.00x0.00x0.00x0.00x0.00x0.00x0.00x0.00x
1.96x1.49x1.89x1.15x9.19x8.36x3.92x1.89x1.12x3.16x
GROWTH
Revenue Growth %22.05%13.77%6.36%-22.65%69.89%3.45%25.10%4.05%17.94%5.75%
Operating Profit Growth %12.23%17.63%6.75%5.12%26.55%4.33%23.34%5.51%17.23%6.19%
Net Profit Growth %9.50%18.46%4.70%0.61%28.25%-0.69%33.11%6.94%23.85%4.88%
0.00%0.00%0.00%0.00%0.00%0.00%0.00%6.94%23.85%4.88%
VALUATION
P/E (x)0.00x0.00x0.00x0.00x0.00x0.00x0.00x51.68x48.92x44.84x
P/B (x)0.00x0.00x0.00x0.00x0.00x0.00x0.00x1.70x2.02x1.92x
Dividend Yield %0.00%0.00%0.00%0.00%0.00%0.00%0.00%1.85%1.93%2.19%
0.00x0.00x0.00x0.00x0.00x0.00x0.00x49.19x49.17x44.49x

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
68.1768.1768.1768.1768.1768.1768.1768.1768.17
0.000.000.240.560.560.560.560.560.56
0.070.070.070.070.070.070.070.070.07
0.010.010.010.010.010.010.010.010.01
31.7531.7531.5131.1931.1931.1931.1931.1931.19

Documents

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

No announcements filed.

News

Recent coverage and analyst commentary for INDPRUD

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