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HERO FINCORP LIMITED

  • www.herofincorp.com
  • Sector: Banks/NBFC
  • CHRYSEUM SCORE: 5.50/10.00
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    HERO FINCORP LIMITED

    • Sector: Banks/NBFC
    • CHRYSEUM SCORE: 5.50/10.00

    Description: Hero FinCorp Limited is registered as a Non-Banking financial (Non deposit accepting) Company, engaged in the business of financing, leasing, bill discounting and related financial services.

    Evaluation is basis the latest financial year disclosures filed by the company

    Valuation

    Max Score: 3.50

    P/B of Company

    2.40

    Avg P/B of Key Peers

    2.15

    P/B of Industry

    1.98

    Valuation Score

    1.00

    The Valuation Score depicts if the company is available at a discount when compared to its listed peer & its Industry Average. Higher the discount, more is the score given to the company.

    Growth

    Max Score: 3.50

    Sales Growth

    27.55%

    PAT Growth

    NA

    BVPS Growth

    21.90%

    Growth Score

    2.50

    The Growth Score accounts for the growth in Sales, PAT and the BVPS on a 3 year CAGR basis.

    Key Metrics

    Max Score: 1.50

    ROA

    1.00

    Net NPA

    1.00

    Capital Adequacy

    2.00

    Key Metrics Score

    0.50

    The Other Key Metrics takes into consideration the Return on Asset, Net NPA and CAR of the company.ROA & NNPA are compared to the company’s peer averages.

    Management Quality

    Max Score: 1.50

    Board Structure & Composition

    1.00

    Related Party Transactions

    1.00

    Timely Disclosure

    1.00

    Management Score

    1.50

    This score represents a consolidated view of the Company’s Management Quality, which includes Board Structure, Related Party Transactions and Timely disclosures. Each parameter is scored out of 1.

₹1150.00 10 (0.88%)

As on 13 Jan, 2026
L 1110.00 52 Week Range H 2120.00
Company Description : It is one of India's fastest growing NBFCs and is a subsidiary of Hero Motocorp Limited. It is engaged in the business of financing, leasing, bill discounting and related financial services.
Company Overview
  • Name of Company HERO FINCORP LIMITED
  • Sector Banks/NBFC
  • ISIN INE957N01016
  • Scrip Code HERO FINCORP
  • CIN U74899DL1991PLC046774
  • Pan No AAACH0157J
  • Face Value 10
  • Price ₹ 1150.00
  • No. of Shares outstanding 16.60 Cr.
  • Market Cap ₹ 19,088.93 Cr
Financials
  • Revenue from operations ₹ 9,832.73 Cr.
  • EBITDA ₹ 4,179.77 Cr.
  • EBITDA Margin % 42.51%
  • Profit After Tax ₹ 109.95 Cr.
  • PAT Margin % 1.11%
  • EPS 6.62
  • Stock P/E 173.72
  • Book Value Per Share 520.36
  • P/B 2.21
  • Debt/Equity 4.72
Other Key Statistics
  • 52 week High/Low 2120.00/1110.00
  • Dividend Per Share 0.00
  • Dividend Yield 0.00%
  • Sales Growth - 3 years 27.55%
  • EBITDA Growth - 3 years 42.07%
  • PAT Growth - 3 years NA
  • EPS Growth - 3 years NA
  • ROE 1.27%
  • ROCE 67.41%
  • Cash Equivalents 1964.60
All figures below are in INR Crores unless otherwise stated

Peer Comparison

Key Financials - FY25
Company Name Hero FinCorp Limited Shriram Finance Mahindra Financial
Listing Status Unlisted Listed Listed
Revenue from Operations 9,832.73 41,834.42 18,463.10
Total Income 9,903.33 41,859.47 18,530.46
Finance Cost 3,827.71 18,454.58 8,451.43
Depreciation & Amortization 95.97 645.32 321.21
Total Expenses 9,647.24 30,910.22 15,568.78
EBITDA 4,179.77 30,049.15 11,734.32
PAT 109.95 9,423.31 2,260.87
No. of Shares Outstanding 16.60 187.90 123.55
EPS (in ₹) 6.62 50.15 18.30
Share Capital 127.31 376.08 246.88
Total Net Worth 8,637.52 56,469.82 21,529.46
Total Assets 60,042.39 293,722.16 144,105.26
Borrowings 40,782.99 121,448.42 71,753.53
Key Metrics:
CMP* 1,150.00 979.05 362.80
Market Cap (In Cr.) 19,088.93 183,963.50 44,823.94
Market Cap/Sales 1.93 4.39 2.42
EPS (Earnings Per Share) 6.62 50.15 18.30
BVPS (Book Value Per Share) 520.36 300.54 174.25
P/E 173.72 19.52 19.83
P/BV 2.21 3.26 2.08
Debt-Equity 4.72 2.15 3.33
Net NPA 2.30% 2.64% 1.84%
Capital Adequacy Ratio 19.74% 20.66% 18.33%
EBITDA Margin 42.51% 71.83% 63.56%
ROE 1.27% 16.69% 10.50%
ROA 0.18% 3.21% 1.57%
*Market Price in ₹ as on 13 Jan, 2026

Profit Loss

FY25 FY24 FY23 FY22 FY21
Revenue from operations 9,832.73 8,290.90 6,401.60 4,738.66 4,278.08
Y-o-Y Revenue Growth 18.60% 29.51% 35.09% 10.77% 12.59%
Other Income 70.60 68.82 45.95 59.00 55.44
Total Income 9,903.33 8,359.72 6,447.55 4,797.66 4,333.52
Total Expenses (Excludes Interest and Depreciation) 5,723.56 4,235.85 3,500.45 3,339.97 2,516.93
Operating Profit (After deducting Depreciation) 4,013.20 3,989.09 2,863.22 1,365.50 1,725.94
OPM % 40.81 48.11 44.73 28.82 40.34
EBITDA 4,179.77 4,123.87 2,947.10 1,457.69 1,816.59
Depreciation 95.97 65.96 37.93 33.19 35.21
EBIT 4,083.80 4,057.91 2,909.17 1,424.50 1,781.38
Interest 3,827.71 3,097.36 2,173.95 1,678.53 1,710.31
EBT before Exceptional Items 256.09 960.55 735.22 -254.03 71.07
Prior period/Exceptional /Extra Ordinary Items 0.00 0.00 0.00 0.00 0.00
Profit before tax/EBT 256.09 960.55 735.22 -254.03 71.07
Tax 146.14 323.50 255.27 -62.13 19.45
Net Profit 109.95 637.05 479.95 -191.90 51.62
Profit (loss) of minority interest 0.00 0.00 0.00 0.00 0.00
Total profit (loss) for period 109.95 637.05 479.95 -191.90 51.62
EPS in Rs 6.62 38.92 29.32 -11.72 3.15
EPS Change % -82.98% 32.73% -350.10% -471.76% -81.43%
EBITDA Change % 1.36% 39.93% 102.18% -19.76% -14.08%
Profit growth -82.74% 32.73% -350.10% -471.76% -81.43%
ROCE 67.41% 68.11% 54.08% 29.17% 35.18%
ROE 1.27% 7.60% 6.35% -4.02% 1.04%
Debt / Equity Ratio 4.72 4.28 3.52 4.61 3.86
Sales growth 3Years 27.55% 20.50%
Sales growth 5Years 20.94% 16.89%
Dividend per share 0.00 10.00 8.10

Balance Sheet

FY25 FY24 FY23 FY22 FY21
Share Capital 127.31 127.31 127.31 127.31 127.31
Reserves 8,510.21 8,255.96 7,430.57 4,642.67 4,840.45
Total shareholders' funds 8,637.52 8,383.27 7,557.88 4,769.98 4,967.76
Borrowings 40,782.99 35,840.39 26,612.99 22,008.69 19,156.51
Other Liabilities 580.09 586.20 968.73 7,267.51 5,572.40
Total Liabilities 54,281.63 47,432.63 38,203.39 29,629.07 25,028.27
Fixed Assets 284.66 299.27 113.14 92.59 93.20
Capital WIP 1.55 0.00 0.00 0.00 0.00
Investments 2,556.14 1,895.96 1,747.49 1,172.98 1,917.24
Other Assets 563.10 279.99 265.37 202.31 195.72
Total Assets 60,042.39 53,204.66 43,451.22 34,399.05 29,996.03
Cash Equivalents 1,964.60 98.78 791.23 1,039.01 1,223.00
Total Current liability 53,983.80 47,247.05 38,072.23 29,515.66 24,932.98
Total Assets -Total Current liabilty 6,058.59 5,957.61 5,378.99 4,883.39 5,063.05

Cash Flow

FY25 FY24 FY23 FY22 FY21
Net Cash from / (used in) Operating Activity -3,913.66 -9,238.83 -6,918.52 -5,411.55 -1,840.00
Net Cash from / (used in) Investing Activity -593.15 -129.79 -474.13 830.41 -1,753.77
Net Cash from / (used in) Financing Activity 6,372.63 8,717.26 7,268.30 4,348.76 2,356.70
Net Inc/Dec In Cash And Cash Equivalents 1,865.82 -651.36 -124.35 874.49 -1,237.07

Share Holding Pattern

No. of Shares in Crs. % Holding
Promoters 11.94 71.95%
Non Promoters 4.66 28.05%

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