International Constructions 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
- Solid return on assets for a lender - ROA of 34.0%
- Company has a healthy return on capital (ROCE) of 23.2%
- Asset quality is healthy - gross NPA of just 0.0%
- Company generates healthy free cash flow
CONS
- Capital adequacy is tight at 0.0% - limited headroom to grow
- Thin net interest margin of 0.0%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1060.50 | 32.52 | 660262.45 | 0.57 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1041.00 | 21.64 | 244945.59 | 1.04 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| TATACAP | 375.00 | 29.46 | 159182.59 | 0.15 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 239.85 | 76.64 | 158376.35 | 0.25 | 8302.50 | 2457.29 | 20044.70 | 3172.82 | 2.11 | 69.71 |
| CHOLAFIN | 1839.00 | 27.31 | 157062.74 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| BAJAJHLDNG | 11148.75 | 14.01 | 124078.35 | 1.75 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2920.00 | 10.31 | 117228.79 | 1.03 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 404.80 | 27.00 | 110815.96 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 314.00 | 24.73 | 78699.47 | 0.88 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 657.90 | 27.52 | 62608.60 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 682.25 | 26.05 | 56678.94 | 0.59 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| SUBCAPCITY | 89.05 | 3.19 | 32.36 | 0.00 | -334.27 | -4258.15 | 515.55 | 2619.15 | -24.31 | -52.66 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | |
|---|---|---|---|---|---|---|---|---|
| 79 | 85 | 15 | 19 | 18 | 17 | 16 | 516 | |
| 69 | 33 | 21 | 29 | 30 | 27 | 24 | 856 | |
| Operating Profit | 10 | 52 | -6 | -11 | -13 | -9 | -8 | -340 |
| OPM % | 12.37% | 61.24% | -38.06% | -55.49% | -72.24% | -52.61% | -54.05% | -65.99% |
| 13 | 1 | 1 | 1 | 1 | 21 | 2 | 28 | |
| Interest | 5 | 4 | 4 | 5 | 5 | 5 | 4 | 23 |
| Depreciation | 8 | 4 | 2 | 2 | 2 | 1 | 1 | 49 |
| Profit before Tax | 6 | 53 | -4 | -6 | -11 | 10 | -4 | -315 |
| Tax % | 62.36% | 34.63% | -28.57% | -34.09% | 54.02% | -108.29% | 39.49% | -6.17% |
| Net Profit | 2 | 35 | -5 | -8 | -5 | 21 | -2 | -334 |
| 0.67 | 10.79 | -1.45 | -1.34 | -1.35 | 5.14 | -0.72 | -69.10 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2021 | Mar 2022 | Mar 2023 | TTM | |
|---|---|---|---|---|
| 5 | 0 | 15 | 566 | |
| 2 | 2 | 3 | 937 | |
| Operating Profit | 3 | -2 | 12 | -371 |
| OPM % | 66.85% | -1409.07% | 81.42% | -65.45% |
| 0 | 1 | 2 | 52 | |
| Interest | 1 | 1 | 1 | 37 |
| Depreciation | 0 | 0 | 0 | 53 |
| Profit before Tax | 3 | -1 | 13 | -320 |
| Tax % | 55.29% | 33.01% | 21.52% | -0.38% |
| Net Profit | 1 | -1 | 10 | -321 |
| EPS | 3.37 | -2.39 | 27.88 | — |
| Dividend Payout % | 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:
- 91%
- 1 Year:
- 327%
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 18%
- Last Year:
- 51%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2021 | Mar 2022 | Mar 2023 | |
|---|---|---|---|
| Equity Capital | 4 | 4 | 4 |
| 9 | 13 | 20 | |
| 7 | 8 | 6 | |
| 4 | 4 | 2 | |
| Total Liabilities | 24 | 28 | 31 |
| 17 | 23 | 17 | |
| 4 | 0 | 0 | |
| Cash & Bank | 0 | 0 | 1 |
| 4 | 5 | 13 | |
| Total Assets | 24 | 28 | 31 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2021 | Mar 2022 | Mar 2023 | |
|---|---|---|---|
| 0 | 0 | 3 | |
| Cash from Investing | -0 | 0 | -2 |
| Cash from Financing | -0 | -0 | 0 |
| -0 | 0 | 1 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2021 | Mar 2022 | Mar 2023 | |
|---|---|---|---|
| PER SHARE | |||
| EPS (₹) | 3.37 | -2.39 | 27.88 |
| Book Value (₹) | 34.82 | 45.24 | 64.53 |
| Dividend per Share (₹) | 0.00 | 0.00 | 0.00 |
| Cash EPS (₹) | 3.37 | -2.38 | 27.89 |
| PROFITABILITY | |||
| Operating Margin % | 66.85% | -1409.07% | 81.42% |
| Net Margin % | 26.58% | -788.67% | 69.39% |
| ROE % | 10.16% | -5.96% | 50.80% |
| ROCE % | 19.68% | -3.14% | 53.18% |
| 5.53% | -3.32% | 34.05% | |
| EFFICIENCY | |||
| Debtor Days | 151 | 6452 | 5 |
| Inventory Days | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 |
| 151 | 6452 | 5 | |
| FINANCIAL HEALTH | |||
| Debt to Equity (x) | 0.38x | 0.33x | 0.27x |
| Interest Coverage (x) | 5.82x | -0.91x | 16.25x |
| 1.92x | 1.62x | 8.40x | |
| GROWTH | |||
| Revenue Growth % | 0.00% | -97.61% | 0.00% |
| Operating Profit Growth % | 1395.45% | -118.61% | 2336.39% |
| Net Profit Growth % | 365.56% | -170.87% | 1267.90% |
| 365.56% | -170.87% | 1267.90% | |
| VALUATION | |||
| P/E (x) | 5.18x | 0.00x | 0.00x |
| P/B (x) | 0.50x | 0.98x | 0.00x |
| Dividend Yield % | 0.00% | 0.00% | 0.00% |
| 3.37x | -34.88x | 0.64x |
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
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News
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International Constructions Ltd.
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