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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
IndoStar Capital Finance Limited is an India-based Non-Banking Finance Company (NBFC), which provides end-to-end lending, financing, and credit solutions. The Company’s segments include Large Corporate, Small and Medium Enterprise (SME), Commercial Vehicle, and Housing…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A weak, stagnant business, reasonably priced.
INDOSTAR CAPITAL FINANCE is scored on the nbfc / financials framework. It keeps a healthy 10.1% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 6%/yr and profit at -15%/yr. Book value has grown 7%/yr. Return on equity is a weak -23.2%. In the latest quarter profit grew 15% versus the prior quarter.
At 20× earnings, the stock sits at the 30th percentile of its own 3.6-year range — the middle of where it has historically traded. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | -7.93 | 11.61 | better |
| P/B | 0.82 | 1.4 | better |
| EV/EBITDA | 44.28 | 13.86 | worse |
| ROE | -23.17 | — | — |
| ROCE | -2.76 | — | — |
| ROA | -4.11 | — | — |
| Quick Ratio | 0.5 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
6% CAGR — growing but slowly. Growth is decelerating — latest year grew slower than the year before.
Revenue is outpacing profit (6% vs -15%) — costs are rising faster than the top line.
Operating margins have been stable around 21% — no major structural shift. The gap between operating and net margin is widening — interest or tax costs are rising. Margins have declined for 2 consecutive years — watch for a structural cost problem.
ROE at 3% — modest; the capital isn't working hard. Low variance across years — a predictable business that earns steadily on its equity base.
-16% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
3 of 4 years had negative operating cash flow — profitability on paper may not translate to cash.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue broadly flat QoQ — stable but not accelerating. Low quarterly variance (9% spread) — a predictable, non-seasonal revenue stream.
1 of 4 quarters loss-making — quarterly profitability is uneven. Profit jumped 15% QoQ — check if this is operating leverage or a one-off item.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold 70.3% — heavily owner-operated with strong skin in the game.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.