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IndoStar Capital Finance Limited

IndoStar Capital Finance Limited

NSE: INDOSTAR
Credit ServicesFinancial ServicesSMALL CAPMCap ₹3.15k Cr
₹194.58₹-0.70 (-0.36%)

Market Closed • NSE

Market cap₹3.15k Cr
Enterprise value₹8.31k Cr
Forward P/E12.21
P/B0.83
EPS TTM₹-24.30
Forward EPS₹15.93
ROCE-2.58%
D/E1.45
Dividend yield0.00%
Face value₹10.00
52W high₹292.00
52W low₹179.03
Price chart(1Y)
1Y Return:-19.74% (₹47.87)
H: ₹292L: ₹187.07
1W+0.04%
1M-15.21%
3M-28.09%
6M-0.67%
1Y-16.91%
Today at a glance

Day range

₹190.59₹197.61

52 week range

₹179.03₹292.00
Volume128.3K1.03x 20D avg
Free float50.00%+3.50% volume

IndoStar Capital Finance Limited closed at INR194.58 (-0.36%) on volume 1.03x its 20-day average, trading 33.36% below its 52-week high.

Technical analysis
RSI (14)32.6Neutral (30–70)
MACDBULLISHBullish (Above signal)
ATR (14)₹9.20High
SMA 20₹209.32BEARISH
SMA 50₹232.83BEARISH
SMA 100₹242.53BEARISH
SMA 200₹228.75BEARISH
CPR bottom₹198.08
Pivot₹197.15
CPR top₹196.21
What changed recently?

2026-Q2

Q2 FY2026 Financial Results

PAT moved +102.6% QoQ

2024-09-23

AGM Announced

Annual General Meeting

2023-09-11

AGM Announced

Annual General Meeting

Shariah audit
Methodology: AAOIFI Shariah Standard No. 21
FAIL2/4 criteria
Non-Compliant (Business Activity)
CriteriaNumeratorDenominatorValueThresholdStatus
Interest-bearing debt ratio₹4.55k Cr₹3.15k Cr144.79%≤ 33%FAIL
Non-halal income ratio–₹772.6 Cr0.00%≤ 5%PASS
Illiquid assets ratio–₹3.15k Cr—≥ 20%PENDING_DATA
Receivables ratio–₹3.15k Cr—≤ 49%PASS
Valuation & sector context
MetricCompanySector
P/E—16.50
Forward P/E12.21—
P/B0.831.60
EV/EBITDA—18.00
PEG—0.50
Earnings yield—6.10
Growth & profitability
RevenuePAT
FY25PAT margin 9.20%
FY26PAT margin 10.30%

Revenue and PAT bars use independent scales to make their year-on-year direction readable.

Revenue CAGR 3Y0.00%
Revenue CAGR 5Y-10.10%
PAT CAGR 3Y—
PAT CAGR 5Y—
Operating margin6.25%
Net margin0.00%
Financial health & cash flow
Net debt₹4.55k CrModerate
Interest coverage—xEBIT / interest
CFO / PAT-7.05x3Y average
Net debt / EBITDA—Leverage
Operating cash flow–
Capital expenditure–
Free cash flow–
Financial statements

Complete reported financial history · Values use the company's reporting currency

Hover over the chart for exact reported values. Percentage lines use the right-hand axis.

Fundamental scorecard
Overall50/100
Valuation50/100
Profitability50/100
Financial health50/100

A 0–100 quantitative summary of reported fundamentals. Use the underlying financials and risks for context; the score is not a buy or sell recommendation.

Strengths, risks & investment thesis

Strengths

Established operational history in the sector

Active institutional participation

Risks

Subject to cyclical raw material and macro industry pressures

Bull case

Market Leadership: Established operational scale in Credit Services.

Bear case

Macro Headwinds: Fluctuations in interest rates and sector-specific policy shifts could compress multiples.

Flip condition

Sustained quarterly EBITDA margin expansion above 20% would trigger an upgrade.

Shareholding pattern
Quarterly ownership historyLatest valid period · September 2025

Ownership distribution

Sept 2025Latest holding

Category trends

Hover over a period for exact holdings

90%60%30%0%Sept 2024Dec 2024Jun 2025Sept 2025
4.76%Institutional holding
24.88%Public holding
4Periods available
0.00%Promoter pledged
59.07KShareholders
Corporate Action

Complete dividend, bonus, split, rights and other action history

Record dateCorporate actionInformationAnnouncement dateEx-date
—Annual General MeetingAnnual General Meeting—23 Sept 2024
—Annual General MeetingAnnual General Meeting—11 Sept 2023
—Annual General MeetingAnnual General Meeting—21 Sept 2022
—Annual General MeetingAnnual General Meeting—20 Sept 2021
—Annual General MeetingAnnual General Meeting—16 Sept 2020
20 Nov 2019Dividend₹1.00 / share—19 Nov 2019
—Dividend₹1.00 / share—22 Aug 2019
14 Nov 2018Dividend₹1.00 / share—13 Nov 2018
—Annual General MeetingAnnual General Meeting—18 Sept 2018
Delivery participation

Traded volume and delivery percentage across the latest 20 sessions

Average delivery (20D)58.29%+1.01% latest vs average
Highest delivery76.58%on 30 Sept
Average volume (20D)123.9KTrading-session average
Conviction trendStrengthening+1.01% latest reading
Traded volumeDelivery %
Peer comparison

Compare valuation, latest quarterly performance and year-on-year growth

8 companies
Company nameMarket cap ₹ CrP/E ratioDividend yield %Quarterly sales ₹ CrProfit after tax ₹ CrSales growth %Profit growth %
HDFC Bank Limited
HDFC Bank LimitedHDFCBANK
Open analysis
₹11.24L15.931.79%₹46,355.55₹19,059.72-45.69%+17.23%
ICICI Bank Limited
ICICI Bank LimitedICICIBANK
Open analysis
₹10.03L18.060.86%₹32,960.41₹16,276.00-35.98%+12.59%
State Bank of India
State Bank of IndiaSBIN
Open analysis
₹8.89L10.321.81%₹62,915.13₹25,121.00-29.09%+13.56%
Bajaj Finance Limited
Bajaj Finance LimitedBAJFINANCE
Open analysis
₹6.11L29.360.56%₹13,929.00₹6,081.00+17.62%+27.62%
Life Insurance Corporation of India
Life Insurance Corporation of IndiaLICI
Open analysis
₹5.03L8.372.54%₹2.40L₹13,584.00+6.76%+24.00%
Kotak Mahindra Bank Limited
Kotak Mahindra Bank LimitedKOTAKBANK
Open analysis
₹4.45L21.930.15%₹11,266.63₹5,480.00-41.22%+22.54%
Axis Bank Limited
Axis Bank LimitedAXISBANK
Open analysis
₹4.02L14.510.08%₹21,381.52₹7,114.00-3.52%+22.53%
Bajaj Finserv Ltd.
Bajaj Finserv Ltd.BAJAJFINSV
Open analysis
₹2.77L27.450.08%₹42,036.90—+39.05%—
About IndoStar Capital Finance Limited
IndoStar Capital Finance Limited

Incorporated in July 2009, ICFL is registered with the Reserve Bank of India (RBI) as a systemically-important non-deposit taking NBFC.[1]

IndiaFinancial Services

Questions investors ask
Is IndoStar Capital Finance Limited Shariah compliant?

IndoStar Capital Finance Limited is currently screened as Non-Compliant (Business Activity) under AAOIFI Shariah Standard No. 21. Business activity in non-permissible sector: /\bfinancial services\b/i Debt to Market Cap (144.79%) exceeds AAOIFI threshold (≤ 33%).

What is IndoStar Capital Finance Limited's current valuation relative to peers?

IndoStar Capital Finance Limited trades at a P/E of N/A compared to the sector median of 16.5x, and a Price-to-Book of 0.8x.

Is the company financially healthy?

The company has a Debt-to-Equity ratio of 1.45x. Interest coverage is comfortable.

What are the historical revenue and profit growth rates?

Over the past 5 years, revenue compounded at -10.1% while net profit growth averaged consistent levels.

Market data is informational and may be delayed. Shariah screening follows the displayed methodology. This is not investment advice.

Market data may be delayed. Quote date: 2026-10-16. Financial figures relate to their stated reporting periods. This information is for research and is not a recommendation to buy or sell.