INDOSTAR
IndoStar Capital Finance Limited (INDOSTAR) Stock Analysis
IndoStar Capital Finance Limited is an NBFC lending to commercial vehicle, SME, and housing segments. It focuses on secured and cash-flow-based credit with diversified products. The company targets middle India borrowers through branches. It is a listed NBFC.
Financial Services › Credit Services
₹188.90
-8.43% 1W | -17.50% 52W
Market Cap
3.1k CR
P/E Ratio
–
52W High
₹292
52W Low
₹179
Div. Yield
0%
Beta
0.5
50 DMA
₹238.8
200 DMA
₹229.1
Profit Margin
0%
Inst. Own.
1.2%
⚠️ BREAKDOWN
⚠️ BREAKDOWN
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 299 | 234 | 238 | 391 | 307 | 352 | 373 | 373 | 344 | 357 | 346 | 347 | 364 |
| Interest | 154 | 141 | 145 | 162 | 167 | 188 | 193 | 193 | 185 | 167 | 137 | 132 | 144 |
| Expenses | 95 | 78 | 76 | 205 | 124 | 139 | 162 | 161 | 622 | 172 | 193 | 633 | 204 |
| Financing Profit | 49 | 16 | 17 | 24 | 16 | 26 | 18 | 18 | -464 | 18 | 16 | -418 | 15 |
| Financing Margin % | 16% | 7% | 7% | 6% | 5% | 7% | 5% | 5% | -135% | 5% | 5% | -120% | 4% |
| Other Income | 0 | 15 | 7 | 19 | 17 | 14 | 17 | 26 | 1,186 | 0 | 0 | 0 | 3 |
| Depreciation | 8 | 6 | 7 | 7 | 8 | 8 | 7 | 8 | 7 | 8 | 8 | 6 | 6 |
| Profit before tax | 42 | 25 | 17 | 35 | 25 | 32 | 28 | 36 | 715 | 11 | 8 | -424 | 11 |
| Tax % | 7% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 24% | 0% | 0% | 0% | 0% |
| Net Profit | 39 | 25 | 17 | 35 | 25 | 32 | 28 | 36 | 546 | 10 | 8 | -424 | 11 |
| EPS in Rs | 2.86 | 1.82 | 1.24 | 2.59 | 1.83 | 2.33 | 2.04 | 2.66 | 39.92 | 0.77 | 0.51 | -26.24 | 0.71 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 528 | 644 | 720 | 789 | 1,206 | 1,597 | 1,283 | 1,173 | 1,178 | 1,106 | 1,408 | 1,393 | 1,413 |
| Interest | 258 | 289 | 312 | 326 | 564 | 863 | 709 | 540 | 580 | 580 | 741 | 621 | 580 |
| Expenses | 43 | 61 | 83 | 145 | 244 | 1,142 | 758 | 1,495 | 321 | 429 | 586 | 1,620 | 1,202 |
| Financing Profit | 227 | 294 | 325 | 318 | 398 | -408 | -184 | -862 | 277 | 97 | 82 | -848 | -369 |
| Financing Margin % | 43% | 46% | 45% | 40% | 33% | -26% | -14% | -74% | 24% | 9% | 6% | -61% | -26% |
| Other Income | 0 | 0 | -0 | -1 | -0 | 1 | -2 | 1 | 1 | 47 | 69 | 1,187 | 3 |
| Depreciation | 1 | 1 | 2 | 5 | 18 | 30 | 34 | 35 | 40 | 28 | 31 | 29 | 28 |
| Profit before tax | 226 | 293 | 323 | 312 | 379 | -437 | -219 | -896 | 239 | 116 | 121 | 310 | -394 |
| Tax % | 34% | 35% | 35% | 36% | 36% | -26% | -2% | -18% | 6% | 0% | 0% | 55% | |
| Net Profit | 149 | 192 | 211 | 200 | 241 | -325 | -214 | -737 | 225 | 116 | 121 | 140 | -394 |
| EPS in Rs | 29.10 | 37.42 | 26.90 | 25.46 | 26.10 | -35.11 | -17.30 | -54.12 | 16.55 | 8.51 | 8.86 | 8.69 | -24.25 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 8% | -3% | 0% | 0% | 0% | 0% | 0% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 6.0% | 2.0% | 8.0% |
Shareholding Pattern
Promoters72.98%
FIIs3.10%
DIIs2.39%
Public21.53%
Promoters72.96%
FIIs2.89%
DIIs2.49%
Public21.65%
Promoters70.39%
FIIs2.27%
DIIs2.09%
Public25.25%
Promoters70.38%
FIIs2.59%
DIIs2.17%
Public24.86%
Promoters70.36%
FIIs2.56%
DIIs2.20%
Public24.88%
Promoters89.21%
FIIs1.16%
DIIs1.54%
Public8.09%
Promoters75.00%
FIIs1.49%
DIIs1.77%
Public21.74%
Promoters73.29%
FIIs2.68%
DIIs2.29%
Public21.74%
Promoters70.38%
FIIs2.59%
DIIs2.17%
Public24.86%
Promoters70.36%
FIIs2.56%
DIIs2.20%
Public24.88%
INDOSTAR
Holdings Analysis
Key strengths & risk signals
47
Overall
39
Fundamental
56
Technical
Risks (4)
LOW MARGIN! 0% profit margin - thin profits.
WEAK POSITION! Current price (188.9) is below both moving averages.
WEAK YEAR! Stock declined 17.5% in the last year.
WEAK! Trading at 8.8% of 52W range - near yearly lows.
Strengths (4)
GOOD STABILITY! Only 1 revenue dip in history. Strong business fundamentals.
BULLISH TREND! 50-day average (238.8) is above 200-day average (229.1) - positive signal.
OVERSOLD! RSI at 24.2 - potential bounce opportunity.
LOW VOLATILITY! Beta of 0.50 - stable stock, less market risk.
Fundamental & Technical Analysis
47Overall
39Fundamental
56Technical
Fundamental Breakdown
Growth Quality
10/30
Revenue CAGR: 6.4% (MODERATE, 8/15). Profit CAGR: -14.6% (DECLINING, 2/15).
Profit Margin
0/10
LOW MARGIN! 0% profit margin - thin profits.
PEG Valuation
0/10
Cannot calculate PEG - insufficient growth data.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
4/10
HIGH DEBT! D/E of 1.90 - caution advised.
Public Holding
14/20
MODERATE PUBLIC HOLDING! 21.97% public ownership - balanced ownership structure.
Stability Index
8/10
GOOD STABILITY! Only 1 revenue dip in history. Strong business fundamentals.
Technical Breakdown
Moving Averages
10/10
BULLISH TREND! 50-day average (238.8) is above 200-day average (229.1) - positive signal.
Price Position
2/10
WEAK POSITION! Current price (188.9) is below both moving averages.
Trend Pattern
10/20
BREAKDOWN! Stock has broken below support levels - weakness present.
52W Performance
2/10
WEAK YEAR! Stock declined 17.5% in the last year.
Volume Sentiment
20/30
BULLISH SENTIMENT! In last 30 days: 9 up days, 21 down days. Avg volume on up days: 163,026 vs down days: 146,680. Ratio: 1.11x
RSI
5/5
OVERSOLD! RSI at 24.2 - potential bounce opportunity.
52W Range
1/5
WEAK! Trading at 8.8% of 52W range - near yearly lows.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 8.4% (1 week), 23.6% (1 month), 29.9% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.50 - stable stock, less market risk.
INDOSTAR
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q1FY272026-08-05 | Concall PDF | |
| Q4FY262026-06-03 | Concall PDF | |
| Q3FY262026-02-16 | Concall PDF | |
| Q2FY262025-11-07 | Concall PDF |
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| INDOSTAR | ₹188.90 | – | – | 6.4% | -14.6% | -17.5% | 47 | BREAKDOWN | -97.9% | -102.7% | +6.0% | +3.5% |
| MUTHOOTMF | ₹168.50 | 11.6 | 21.0% | 19.5% | 1.3% | +2.9% | 52 | BREAKDOWN | +1,211.3% | +14.3% | +14.3% | +0.2% |
| FUSION | ₹164.00 | 16 | 19.6% | -1.6% | -67.0% | -12.5% | 47 | APPROACHING SUPPORT | -167.7% | -45.4% | -5.1% | +7.7% |
| MUFIN | ₹130.40 | 63 | 41.1% | 82.6% | 51.6% | +51.9% | 82 | APPROACHING SUPPORT | +300.0% | +26.1% | +57.4% | +19.5% |
| SATIN | ₹223.90 | 6 | 25.3% | 23.5% | 310.2% | +52.1% | 71 | CONSOLIDATING DOWN | +172.1% | -24.3% | +16.5% | +13.0% |
| AYE | ₹156.90 | 15.8 | 22.2% | 40.4% | 69.3% | +30.0% | 71 | BREAKDOWN | +143.5% | -13.3% | +26.3% | +2.7% |
| SPANDANA | ₹211.10 | – | -116.2% | -10.3% | – | -14.5% | 37 | BREAKDOWN | -103.3% | +124.5% | -1.2% | +20.9% |
| ARMANFIN | ₹1,694.20 | 15.4 | 30.8% | 14.7% | -15.5% | +11.2% | 51 | BREAKDOWN | -409.6% | +10.2% | +31.7% | +15.8% |
Data from TradeAlone · Updated daily
