Micro NBFC

Indergiri Finance Ltd.

INDERGR

₹27.67

4.97% (1.31)

Market Cap

₹14 Cr.

P/E

297.95

Indergiri Finance Ltd.
Overview
Financials
Benchmarking
Shareholding

Indergiri Finance Ltd.

Indergiri Finance Ltd.
Overview
Financials
Benchmarking
Shareholding

Price
Growth Table
Balance Sheet
Profit & Loss
Cash Flow
Cash Flow Analysis
Ratios
Quarterly Results
Reverse DCF

FAQs on Indergiri Finance Ltd. Shareprice

Has the share price of Indergiri Finance grown faster than its competition?

Indergiri Finance has given better returns compared to its competitors.
Indergiri Finance has grown at ~19.02% over the last 9yrs while peers have grown at a median rate of 12.37%

Is Indergiri Finance stock expensive?

Yes, Indergiri Finance is expensive.
Latest PE of Indergiri Finance is 283, while 3 year average PE is 60.97.
Also latest Price to Book of Indergiri Finance is 3.11 while 3yr average is 2.55.

View FAQ's On Business

Growth Table

Indergiri Finance Ltd.
Garbi Finvest
Loading...
GSL Securities
Loading...

In %	1yr	2yr	3yr	4yr	5yr	6yr	7yr	8yr	9yr	10yr
Share Price CAGR	-44.34	33.35	87.02	76.67	40.80	33.00	30.47	23.15	19.66	16.19
TTM EPS CAGR	—	122	—	10.13	25.27	1.18	0.80	-2.41	—	10.70
Sales CAGR	180	73.30	79.09	44.78	35.86	26.56	23.79	21.37	5.37	12.56
PAT Margin (Abs Growth)	-83.47	-41.16	-88.75	-84.57	-89.41	-92.64	-89.01	-89.96	-84.63	-82.22
PE CAGR	—	-39.96	—	60.42	12.40	31.45	29.43	26.19	—	4.96
CFO CAGR	1,237	—	—	—	256	248	82.83	36.35	—	—

* Share price and PE growth are updated everyday. All other fields are as of latest financial year end. EPS adjusted for bonus and splits.

Balance Sheet

Indergiri Finance Ltd.
Garbi Finvest
Loading...
GSL Securities
Loading...

In Rs. Cr.	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Sep'24
Assets	5.08	5.18	5.06	5.21	5.21	5.17	5.05	5.25	8.36	12.19
Non Current Assets	0.08	0.08	0.12	0.12	0.12	0.70	0.67	0.03	0.01	0.11
Net Block	0.00	0.00	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Capital Work in Progress	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	—
Intangible Assets Under Development	—	—	—	—	—	—	—	—	—	—
Long Term Investments	0.01	0.01	0.01	0.01	0.01	0.61	0.61	0.01	0.01	—
Current Assets	5.00	5.10	4.99	5.14	5.13	4.51	4.39	5.22	8.34	12.08
Inventory	0.04	0.03	0.03	0.03	0.03	0.03	0.03	0.00	—	—
Accounts Receivable	0.38	0.41	0.38	0.48	—	—	—	—	—	—
Short Term Investments	—	—	—	0.01	—	—	—	—	—	0.01
Cash & Bank Balances	0.09	0.03	0.02	0.01	0.02	0.15	0.46	0.76	0.42	0.40
Liabilities	5.08	5.18	5.06	5.21	5.21	5.17	5.05	5.25	8.36	12.19
Shareholders Funds	5.01	5.04	5.07	5.10	5.11	5.14	4.98	4.99	4.33	4.18
Share Capital	5.06	5.06	5.06	5.06	5.06	5.06	5.06	5.06	5.06	5.06
Reserves	-0.06	-0.02	0.01	0.04	0.05	0.07	-0.08	-0.07	-0.73	-0.88
Non Current Liabilities	0.00	0.00	-0.05	-0.05	-0.05	-0.04	-0.00	-0.00	2.24	0.07
Secured Loans	—	—	—	—	—	—	—	—	—	—
Unsecured Loans	—	—	—	—	—	—	—	—	2.22	—
Current Liabilities	0.07	0.14	0.04	0.16	0.14	0.07	0.07	0.26	1.79	7.94
Accounts Payable	0.02	0.07	—	—	—	—	—	—	—	0.06
Short Term Loans	—	—	—	—	—	—	—	—	1.50	3.50

Balance Sheet Snapshot

No data available.

Fund Flow Analysis

Increase
Decrease
Total

No data available.

*Data is as of latest FY end

Profit & Loss

Indergiri Finance Ltd.
Garbi Finvest
Loading...
GSL Securities
Loading...

In Rs. Cr.	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	TTM
Sales	0.45	0.41	0.38	0.37	0.71	0.79	1.91
Operating Expenses	0.41	0.39	0.37	0.28	0.75	1.31	1.43
Raw Material	—	—	—	—	—	—	0.00
Material Cost (%)	0.07	2.76	-0.18	-1.09	8.16	0.00	0.00
Employee Cost	0.29	0.27	0.26	0.18	0.32	0.92	1.02
Power & Fuel Cost	—	—	—	—	—	—	—
Operating Profit	0.05	0.01	0.01	0.09	-0.04	-0.52	0.48
Other Income	0.00	0.00	0.02	0.00	0.08	0.02	0.21
OPM (%)	10.46	2.82	2.94	23.92	-5.87	-65.63	25.01
Depreciation and Amortisation	0.00	0.00	0.00	0.00	0.00	0.00	0.01
Interest	0.00	0.00	0.00	0.00	0.00	0.12	0.60
Profit Before Tax	0.05	0.01	0.03	0.09	0.04	-0.63	0.07
Tax	0.01	0.00	0.01	0.24	0.03	0.02	0.02
Net Profit	0.03	0.01	0.03	-0.15	0.01	-0.65	0.05
Number of shares(Crs)	0.51	—	0.51	0.51	0.51	0.51	—
Dividend Payout Ratio(%)	0.00	0.00	0.00	0.00	0.00	0.00	—

TTM Values as of Dec 2024

Cash Flow

Indergiri Finance Ltd.
Garbi Finvest
Loading...
GSL Securities
Loading...

In Rs. Cr.	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Sep'24
Cash from Operating Activity	-0.33	-0.06	-0.00	-0.01	0.01	0.73	0.30	-0.30	-3.98	-6.84
Profit Before Tax	0.11	0.04	0.06	0.05	0.01	0.03	0.09	0.04	-0.63	-0.51
Adjustments	0.00	0.00	0.00	-0.00	0.01	-0.02	-0.00	0.01	0.18	0.54
OCF Before Working Capital	0.11	0.05	0.06	0.04	0.03	0.02	0.09	0.05	-0.45	0.04
Working Capital Changes	-0.41	-0.09	-0.01	-0.01	0.01	0.74	0.32	-0.33	-3.55	-6.89
Taxes Paid	-0.04	-0.01	-0.05	-0.04	-0.03	-0.03	-0.11	-0.02	0.01	0.02
Cash from Investing Activity	—	—	-0.02	-0.00	—	-0.60	—	0.60	0.03	—
Net Fixed Assets Purchased	0.00	0.00	-0.02	-0.00	0.00	0.00	0.00	-0.01	-0.01	0.00
Fixed Assets Purchased	—	—	-0.02	-0.00	—	—	—	-0.01	-0.01	—
Fixed Assets Sold	—	—	—	—	—	—	—	—	—	—
Investment Purchased	—	—	—	—	—	-0.60	—	—	—	—
Investment Sold	—	—	—	—	—	—	—	0.61	—	—
Interest Recieved	—	—	—	—	—	—	—	—	0.04	—
Dividends Recieved	—	—	—	—	—	—	—	—	—	—
Subsidiary Investments	—	—	—	—	—	—	—	—	—	—
Cash from Financing Activity	—	—	—	—	—	—	—	—	3.62	6.76
Proceeds From Shares	—	—	—	—	—	—	—	—	—	—
Net Long Term Borrowings	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Proceeds From Borrowings	—	—	—	—	—	—	—	—	—	—
Repayment From Borrowings	—	—	—	—	—	—	—	—	—	—
Interest Paid	—	—	—	—	—	—	—	—	-0.11	—
Dividend Paid	—	—	—	—	—	—	—	—	—	—
Net Cash Flow	-0.33	-0.06	-0.02	-0.01	0.01	0.13	0.30	0.30	-0.33	-0.05
Opening Cash & Cash Equivalents	0.43	0.09	0.03	0.02	0.01	0.02	0.15	0.46	0.76	—
Effect of FX	—	—	—	—	—	—	—	—	—	—
Closing Cash & Cash Equivalents	0.09	0.03	0.02	0.01	0.02	0.15	0.46	0.76	0.42	—
Net Capex (est)	0.00	0.00	0.02	0.00	0.00	0.00	0.00	0.01	0.01	0.00
Free Cash Flow (est)	-0.33	-0.06	-0.02	-0.01	0.01	0.73	0.30	-0.31	-3.99	-6.84

Cash Flow Analysis

Increase
Decrease
Total

No data available.

Ratios

= Dominant Factor

Indergiri Finance Ltd.
Garbi Finvest
Loading...
GSL Securities
Loading...

	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Operational Ratios
Quick Ratio	32.84	35.46	62.46	62.29	20.10	4.65
Liquid Assets (Crs)	5.11	5.10	4.48	4.35	5.22	8.34
Current Liabilities (Crs)	0.16	0.14	0.07	0.07	0.26	1.79
Current Ratio	33.03	35.67	62.88	62.77	20.11	4.65
Current Assets (Crs)	5.14	5.13	4.51	4.39	5.22	8.34
Current Liabilities (Crs)	0.16	0.14	0.07	0.07	0.26	1.79
Interest Coverage Ratio	14.14	178	1,108	2,658	385	-4.04
EBIT (Crs)	0.05	0.01	0.03	0.09	0.04	-0.50
Interest Expenses (Crs)	0.00	0.00	0.00	0.00	0.00	0.12
Fixed Asset Turnover	25.15	22.53	21.12	20.48	61.95	45.15
Net Sales (Crs)	0.45	0.41	0.38	0.37	0.71	0.79
Fixed Assets (Crs)	0.02	0.02	0.02	0.02	0.01	0.02
Cash Conversion Cycle	23.73	26.40	28.59	31.76	9.24	0.00
Inventory Days	23.73	26.40	28.59	31.76	9.24	0.00
Days Receivable	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable	—	—	—	—	—	—
Debt to Equity Ratio	0.00	0.00	0.00	0.00	0.00	0.86
Total Debt (Crs)	0.00	0.00	0.00	0.00	0.00	3.72
Shareholders Equity (Crs)	5.10	5.11	5.14	4.98	4.99	4.33
Free Cash Flow/Sales (%)	-1.97	3.15	193	82.25	-43.81	-506
Free Cash Flow(est) (Crs)	-0.01	0.01	0.73	0.30	-0.31	-3.99
Net Sales (Crs)	0.45	0.41	0.38	0.37	0.71	0.79
Profitability Ratios
Gross Margin (%)	99.93	97.24	100	101	91.84	100.00
Op Profit Margin (%)	10.46	2.82	2.94	23.92	-5.87	-65.63
Operating Profit (Crs)	0.05	0.02	0.04	0.09	0.04	-0.50
Net Sales (Crs)	0.45	0.41	0.38	0.37	0.71	0.79
Net Profit Margin (%)	7.32	2.47	6.66	-40.93	1.37	-82.10
Net Profit (Crs)	0.03	0.01	0.03	-0.15	0.01	-0.65
Net Sales (Crs)	0.45	0.41	0.38	0.37	0.71	0.79
ROCE (%)	0.97	0.27	0.67	1.81	0.74	-7.64
EBIT (Crs)	0.05	0.01	0.03	0.09	0.04	-0.50
Capital Employed (Crs)	5.05	5.06	5.09	4.98	4.99	6.57
Return on Assets (%)	0.64	0.19	0.49	-2.99	0.18	-7.74
Net Profit (Crs)	0.03	0.01	0.03	-0.15	0.01	-0.65
Total Assets (Crs)	5.21	5.21	5.17	5.05	5.25	8.36
ROIC (%)	0.66	0.14	0.16	-3.69	-0.28	-8.78
Op Profit after Taxes (Crs)	0.03	0.01	0.01	-0.14	-0.01	-0.54
Invested Capital (Crs)	5.03	5.02	4.33	3.90	4.22	6.13
ROE (%)	0.65	0.20	0.49	-3.03	0.19	-14.95
Net Profit Margin (%)	7.32	2.47	6.66	-40.93	1.37	-82.10
Asset Turnover ratio	0.09	0.08	0.07	0.07	0.13	0.09
Equity Multiplier	1.02	1.02	1.01	1.01	1.05	1.93
Adjusted EPS	0.07	0.02	0.05	-0.30	0.02	-1.28
Valuation Ratios
P/E	0.00	253	60.00	0.00	341	0.00
Price to Book	0.00	0.50	0.30	0.34	0.66	6.49
EV/EBITDA	99.67	159	37.79	13.30	61.70	-62.99
Dividend Yield (%)	—	0.00	0.00	0.00	0.00	0.00

Quarterly Results

Indergiri Finance Ltd.
Garbi Finvest
Loading...
GSL Securities
Loading...

In Rs. Cr.	Sep'22	Dec'22	Mar'23	Jun'23	Sep'23	Dec'23	Mar'24	Jun'24	Sep'24	Dec'24
Net Sales	0.06	0.41	0.16	0.13	0.17	0.22	0.27	0.41	0.53	0.69
Operating Expenses	0.14	0.11	0.35	0.24	0.12	0.62	0.10	0.51	0.46	0.36
Increase/Decrease in Stock	0.00	0.06	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Raw Material	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Employee Cost	0.07	0.00	0.20	0.22	0.00	0.23	0.24	0.28	0.28	0.22
Selling and Distribution Expenses	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Electricity, Power & Fuel Cost	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Gen_AdminExpenses	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Miscellaneous Expenses	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Profit	-0.08	0.30	-0.19	-0.11	0.05	-0.41	0.17	-0.10	0.08	0.33
Other Income	0.00	0.05	0.03	0.00	0.03	0.01	-0.01	0.13	0.09	0.01
Interest	0.00	0.02	0.00	0.00	0.23	0.05	0.07	0.14	0.20	0.20
PBDT	-0.08	0.33	-0.16	-0.11	-0.14	-0.46	0.09	-0.11	-0.03	0.13
Depreciation and Amortization	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit Before Tax	-0.08	0.33	-0.16	-0.11	-0.14	-0.46	0.09	-0.11	-0.03	0.13
Tax	0.02	0.05	-0.04	0.00	0.00	0.00	0.02	0.00	0.01	-0.01
Profit After Tax	-0.10	0.28	-0.12	-0.12	-0.14	-0.46	0.07	-0.11	-0.04	0.13
Exceptional Items	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Profit	-0.10	0.28	-0.12	-0.12	-0.14	-0.46	0.07	-0.11	-0.04	0.13
Quarterly Ratios
EPS	-0.20	0.55	-0.24	-0.23	-0.29	-0.90	0.13	-0.22	-0.08	0.26
Operating Profit Margin	-143	72.93	-116	-89.06	31.40	-189	63.84	-23.91	14.42	47.38
Net Profit Margin	-177	68.05	-75.00	-89.84	-84.30	-211	25.09	-26.81	-7.49	18.90

Reverse DCF

Earnings

Discount Rate (%)

Terminal Multiple

5 YEAR

10 YEAR

20 YEAR

125.40%

Implied Growth Rate over a 5 year period*

45.70%

Implied Growth Rate over a 10 year period*

21.00%

Implied Growth Rate over a 20 year period*

*Implied Growth calculated using Newton-Raphson method.

Learn how to use Reverse DCF

FAQs on Indergiri Finance Ltd. Financials

How strong is Indergiri Finance balance sheet?

The companies balance sheet of Indergiri Finance is weak, but was strong historically.

Is the profitablity of Indergiri Finance improving?

The profit is oscillating.
The profit of Indergiri Finance is -₹0.65 Crs for Mar 2024, ₹0.01 Crs for Mar 2023 and -₹0.15 Crs for Mar 2022

Does Indergiri Finance pay decent dividends?

The company seems to be paying a very low dividend.
Investors need to see where the company is allocating its profits.
Indergiri Finance latest dividend payout ratio is 0% and 3yr average dividend payout ratio is 0%

View FAQ's On Shareholding

Ideas Dashboard

Timeline

Watchlist

Portfolio

Alerts

Research

Stock Screener

Market

Raw Material

Indergiri Finance Ltd.

Indergiri Finance Ltd.

Has the share price of Indergiri Finance grown faster than its competition?

Is Indergiri Finance stock expensive?

How strong is Indergiri Finance balance sheet?

Is the profitablity of Indergiri Finance improving?

Does Indergiri Finance pay decent dividends?

SIGN UP FOR FREE