IndoStar Capital Finance Ltd
Ticker: INDOSTAR
Decent
68/100
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Investing Reference
Price
235.65
Market Cap
3221.53
Debt/Equity
1.9025
ROE %
3.508
PB
0.8862
Promoter %
72.981
Pledge %
0.000
1Y Rev Growth %
28.189
5Y Rev Growth %
-1.564
NP Margin %
8.155
NP Margin 5Y Avg %
-8.413
Trading Reference
1M Return %
-9.426
6M Return %
-16.407
1Y Return %
-14.527
% Away 52W High
55.442
% Away 52W Low
8.156
Daily Volume
55690
Investment Verdict
Hold
Score 65/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 11/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
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Business Overview
IndoStar Capital Finance Ltd is a prominent non-banking financial company (NBFC) in India, focused on providing a wide range of financial solutions to individuals and businesses. Catering to diverse customer needs, it plays a crucial role in enhancing financial accessibility in the country. With a strong emphasis on customer service and innovative products, IndoStar is well-positioned to support the growing demand for credit in the Indian market.
- Established player in the Indian NBFC sector
- Offers tailored financial solutions for businesses and individuals
- Strong focus on customer service and satisfaction
- Robust risk management framework
- Supports economic growth by enhancing credit access
Investment Thesis
IndoStar Capital Finance Ltd stands out with a strong promoter group and a proven track record. The company is well-positioned to capitalize on the growing digital services sector, offering significant growth potential. Additionally, its attractive valuation compared to peers makes it an appealing choice for investors seeking long-term gains.
- Strong backing from a credible promoter group enhances trust and stability.
- Expanding digital services portfolio aligns with market trends and consumer demands.
- Attractive valuation metrics compared to industry peers suggest potential for upside.
- Robust risk management practices contribute to sustainable growth.
- Focus on retail and SME financing positions the company for resilient performance.
Opportunity vs Risk
Opportunities
- Growing demand for retail financing
- Expansion into new markets
- Strong loan book growth
- Favorable regulatory environment
Risks ⚠️
- High competition in finance sector
- Economic downturn impact
- Rising interest rate concerns
- Asset quality deterioration risks
Peer Perspective
IndoStar Capital Finance Ltd trades at a discount to peers like Muthoot Finance and Bajaj Finance, primarily due to concerns over margin stability. A consistent improvement in asset quality could trigger a rerating.
Future Outlook
IndoStar Capital Finance Ltd is well-positioned for growth, driven by increasing demand for financial services. However, successful execution of its strategic initiatives and effective cost control will be crucial to achieving sustainable profitability.
AI FAQs for Retail Users
- Q: What does IndoStar Capital Finance Ltd do?A: IndoStar Capital Finance Ltd provides various financial services, including loans and asset financing for businesses.
- Q: Is IndoStar a good investment?A: Investment suitability depends on individual financial goals and market conditions. Always conduct thorough research before investing.
- Q: What are the risks associated with investing in IndoStar?A: Risks include market volatility, regulatory changes, and business performance. Assess these factors before investing.
- Q: How can I buy shares of IndoStar?A: Shares can be purchased through a stockbroker or an online trading platform.
- Q: What is the company's financial performance?A: Review the latest financial statements and reports for insights on IndoStar's performance and growth.
📊 Stock Investment Checklist (100 Points)
IndoStar Capital Finance Ltd • Updated: 2025-09-17 02:41:26
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10BusinessHighThe sector is evolving with fintech integration, but competition is intense.
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10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
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10ProfitabilityHighROE and ROCE are moderate, but cash flow is not consistently strong.
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8ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity could be improved.
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6GovernanceGoodPromoter holding is decent, but there are concerns about pledging.
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5DriversGoodGrowth drivers are present, but execution risks remain significant.
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5TechnicalsGoodMarket sentiment is neutral with low liquidity.
Final Score & Verdict
Score 68 / 100
• Decent
IndoStar Capital Finance Ltd shows potential but faces challenges in growth consistency and market competition.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 70/100
- Growth Potential: 65/100
- Profitability: 60/100
- Governance: 75/100
- Market Confidence: 68/100