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IndoStar Capital Finance Limited (INDOSTAR.NS)

INR270.95 +7.70 (+2.93%)
IN NSE Financial Services Financial - Credit Services
Address Silver Utopia 400099
Mumbai, MH, IN
CEO Randhir Singh
Website indostarcapital.com
IPO 2018-05-21
ISIN INE896L01010

Explore sections of this company profile

Also trades on Bombay Stock Exchange · INDOSTAR.BO (INR) National Stock Exchange of India · INDOSTAR.NS (INR)
Description

IndoStar Capital Finance Limited, a non-banking financial company, provides various financing services to corporates, small and medium enterprises (SMEs), and individual customers in India. The company offers vehicle finance services, including loans for commercial vehicles, farm equipment, four and two-wheelers, and construction equipment; home finance; and financing for used and new vehicles, as well as insurance products, such as life, motor, and accident cover and critical illness. It also provides small ticket micro loan against property finance services; small business loan for working capital and business expansion; and education, marriage, medical, and corporate lending products. The company was incorporated in 2009 and is based in Mumbai, India. IndoStar Capital Finance Limited operates as a subsidiary of BCP V Multiple Holdings Pte. Ltd.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
INR270.95 +7.70 (+2.93%)
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Volume Profile
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Liquidity & share structure
Average Volume
156.6K
Beta
0.45
Float Shares
36.29M
Free Float %
26.6%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+2.06% +9.43% +15.96% +4.80% +1.31% +2.45% -32.34% +62.86% -26.26% -59.90% -59.90%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
270.95
DCF (Unlevered) 394.23 +45.5%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 100% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 1 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.43
Distress
Piotroski F-Score
5 / 9
Average
MOAT Score
4 / 10
Developing
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
2 / 5
Medium
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
1 / 5
Low
P/Book Score
3 / 5
Medium
Operational MOAT
✗ Below peers
  • ✓
    Revenue growth Financial - Credit Services: +13.2%
    +9.5% Q1'26: +12.9% (vs Q1'25)
  • ✓
    EPS growth Financial - Credit Services: +24.0%
    +13.4% Q1'26: -1,121.0% (vs Q1'25)
  • ✗
    FCF margin FCF growth · Financial - Credit Services: +70.9%
    -4.5% Q1'26: -71.4% (vs Q1'25)
  • ✓
    EBIT margin Financial - Credit Services: +28.7%
    +21.5% Q1'26: -122.2% (vs Q1'25)
  • ✗
    ROIC Financial - Credit Services: +5.0%
    +5.2% ★ Q1'26: -48.8% (vs Q1'25)
  • ✗
    Share dilution Financial - Credit Services: +0.0%
    +2.8% Q1'26: +13.6% (vs Q1'25)
  • ✓
    Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×
    0.00× ★ Q1'26: 0.00× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.38) × ERP
WACC = 100% × Ke + 0% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 394.23 Current price: 270.95
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2018
actual 		Mar 2019
actual 		Mar 2020
actual 		Mar 2021
actual 		Mar 2022
actual 		Mar 2023
actual 		Mar 2024
actual 		Mar 2025
actual 		Mar 2026
1 Rev. Ana.
1 EPS Ana. 		Mar 2027
1 Rev. Ana.
1 EPS Ana. 		Mar 2028
1 Rev. Ana.
1 EPS Ana.
Revenue
7.33B
est: 5.06B (+45.0%)
11.15B
est: 7.62B (+46.4%)
15.05B
est: 7.89B (+90.6%)
11.83B
est: 5.90B (+100.6%)
10.94B
est: 6.19B (+76.8%)
10.86B
est: 5.99B (+81.1%)
9.26B
est: 6.24B (+48.3%)
12.72B
est: 7.03B (+80.9%)
7.82B
7.82B – 7.82B
+11.1% YoY
8.89B
8.89B – 8.89B
+13.7% YoY
10.47B
10.47B – 10.47B
+17.8% YoY
EBITDA
4.12B
est: 471.45M (+773.1%)
6.42B
est: 710.71M (+802.8%)
-1.28B
est: -1.94B (+34.1%)
397.15M
est: -11.71B (+103.4%)
-6.99B
est: -13.89B (+49.7%)
3.49B
est: -15.75B (+122.2%)
3.57B
est: 808.45M (+341.7%)
4.63B
est: 910.92M (+408.7%)
1.01B
1.01B – 1.01B
+11.1% YoY
1.15B
1.15B – 1.15B
+13.7% YoY
1.36B
1.36B – 1.36B
+17.8% YoY
EBIT
4.07B
est: 318.71M (+1,176.7%)
6.23B
est: 480.45M (+1,197.5%)
-1.58B
est: 497.69M (-417.5%)
62.13M
est: 3.47B (-98.2%)
-7.34B
est: 4.12B (-278.2%)
3.09B
est: 4.67B (-33.7%)
3.29B
est: 655.20M (+402.8%)
4.33B
est: 738.24M (+486.2%)
820.42M
820.42M – 820.42M
+11.1% YoY
932.83M
932.83M – 932.83M
+13.7% YoY
1.10B
1.10B – 1.10B
+17.8% YoY
Net Income
2.00B
est: 4.34B (-53.8%)
2.41B
est: 3.70B (-34.9%)
-3.25B
est: 2.91B (-211.6%)
-2.14B
est: -3.17B (+32.4%)
-7.37B
est: -3.76B (-96.0%)
2.25B
est: -4.26B (+152.8%)
1.16B
1.21B
est: 5.77B (-79.1%)
5.22B
5.22B – 5.22B
-9.6% YoY
1.98B
1.98B – 1.98B
-62.0% YoY
3.06B
3.06B – 3.06B
+54.7% YoY
SGA
201.01M
est: 358.69M (-44.0%)
231.78M
est: 540.72M (-57.1%)
318.80M
est: 2.73B (-88.3%)
743.47M
est: 3.13B (-76.3%)
676.09M
est: 3.71B (-81.8%)
1.06B
est: 4.21B (-74.7%)
769.67M
est: 364.45M (+111.2%)
622.01M
est: 3.12B (-80.1%)
456.35M
456.35M – 456.35M
-85.4% YoY
518.87M
518.87M – 518.87M
+13.7% YoY
611.11M
611.11M – 611.11M
+17.8% YoY
EPS
22.98
est: 30.85 (-25.5%)
26.63
est: 26.29 (+1.3%)
-35.18
est: 15.34 (-329.3%)
-20.83
est: 3.50 (-695.1%)
-59.51
est: 6.81 (-973.9%)
16.55
est: 16.52 (+0.2%)
8.51
8.86
est: 5.90 (+50.2%)
36.10
36.10 – 36.10
+511.9% YoY
13.70
13.70 – 13.70
-62.0% YoY
21.20
21.20 – 21.20
+54.7% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 C+ 2/5 1/5 2/5 4/5 1/5 1/5 3/5
2026-05-27 B+ 3/5 1/5 4/5 5/5 1/5 4/5 3/5
2026-05-26 B+ 3/5 1/5 4/5 5/5 1/5 4/5 3/5
2026-05-25 B+ 3/5 1/5 4/5 5/5 1/5 4/5 3/5
2026-05-22 B+ 3/5 1/5 4/5 5/5 1/5 4/5 3/5
2026-05-21 B+ 3/5 1/5 4/5 5/5 1/5 4/5 3/5
2026-05-20 B+ 3/5 1/5 4/5 5/5 1/5 4/5 3/5
2026-05-19 B+ 3/5 1/5 4/5 5/5 1/5 4/5 3/5
2026-05-18 B+ 3/5 1/5 4/5 5/5 1/5 4/5 3/5
2026-05-15 A- 4/5 1/5 4/5 5/5 2/5 4/5 4/5
2026-05-14 A- 4/5 1/5 4/5 5/5 2/5 4/5 4/5
2026-05-13 A- 4/5 1/5 4/5 5/5 2/5 4/5 4/5
2026-05-12 A- 4/5 1/5 4/5 5/5 2/5 4/5 4/5
2026-05-11 A- 4/5 1/5 4/5 5/5 2/5 4/5 4/5
2026-05-08 A- 4/5 1/5 4/5 5/5 2/5 4/5 4/5
2026-05-07 A- 4/5 1/5 4/5 5/5 2/5 4/5 4/5
2026-05-06 A- 4/5 1/5 4/5 5/5 2/5 4/5 4/5
2026-05-05 A- 4/5 1/5 4/5 5/5 2/5 4/5 4/5
2026-05-04 A- 4/5 1/5 4/5 5/5 2/5 4/5 4/5
2026-04-30 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-29 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-28 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-27 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-24 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-23 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-22 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-21 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-20 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-17 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-16 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
120.87M
OE per share TTM
0.90
Owner's Yield
0.32%
Maintenance CapEx ratio
0.34%
Maint CapEx / Avg PPE
5.2%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
685.0K
Shares Outstanding
136.28M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Randhir Singh MD & Executive Vice Chairman 33M male
Binoy K. Parikh Chief Compliance Officer — male
Jasmine Bawa Chief Human Resources Officer — female
Jayesh Pyarelal Jain Chief Financial Officer — male
K. V. Bharadwaj Chief Credit Officer — male
Nitin Gyanchandani Chief Risk Officer — male
Shivam Choudhary Chief Technology Officer — male
Shreejit Menon Business Head of Affordable Home Finance - IndoStar Home Finance Private Limited — male
Amit Ashwin Kothari Chief AI Officer — male
Siva Subramanian National Credit Head of Vehicle Finance — male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits

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