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IKF FINANCE LIMITED

  • www.ikffinance.com
  • Sector: Banks/NBFC
  • CHRYSEUM SCORE: 7.00/10.00
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    IKF FINANCE LIMITED

    • Sector: Banks/NBFC
    • CHRYSEUM SCORE: 7.00/10.00

    Description: IKF Finance Limited operates as an asset financing company. The Company offers loan for purchase of cars, tractors, and commercial vehicles, as well as working capital and asset management services.

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

    Valuation

    Max Score: 3.50

    P/B of Company

    2.89

    Avg P/B of Key Peers

    3.61

    P/B of Industry

    1.59

    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

    34.62%

    PAT Growth

    39.01%

    BVPS Growth

    38.27%

    Growth Score

    3.50

    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

    2.27%

    Net NPA

    1.80%

    Capital Adequacy

    26.51%

    Key Metrics Score

    1.00

    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.

₹395.00 -10.00 (-2.47%)

As on 18 Apr, 2025
L 273.00 52 Week Range H 405.00
Company Description : It is one of the most prominent asset financing company of South India. The Company offers loan for purchase of cars, tractors, and commercial vehicles, as well as working capital and asset management services.
Company Overview
  • Name of Company IKF FINANCE LIMITED
  • Sector Banks/NBFC
  • ISIN INE859C01017
  • Scrip Code IKF FINANCE
  • CIN U65992AP1991PLC012736
  • Pan No AAACI4784J
  • Face Value 10
  • Price ₹ 395.00
  • No. of Shares outstanding 7.02 Cr.
  • Market Cap ₹ 2,771.18 Cr
Financials
  • Revenue from operations ₹ 579.42 Cr.
  • EBITDA ₹ 426.46 Cr.
  • EBITDA Margin % 73.60%
  • Profit After Tax ₹ 101.81 Cr.
  • PAT Margin % 17.37%
  • EPS 14.51
  • Stock P/E 27.22
  • Book Value Per Share 134.92
  • P/B 2.93
  • Debt/Equity 3.25
Other Key Statistics
  • 52 week High/Low 405.00/273.00
  • Dividend Per Share 0.00
  • Dividend Yield 0.00%
  • Sales Growth - 3 years 34.62%
  • EBITDA Growth - 3 years 32.41%
  • PAT Growth - 3 years 39.01%
  • EPS Growth - 3 years 24.38%
  • ROE 10.76%
  • ROCE 9.93%
  • Cash Equivalents 47.21
All figures below are in INR Crores unless otherwise stated

Peer Comparison

Key Financials - FY24
Company Name IKF Finance Limited Cholamandalam Investment & Finance Company Ltd Indostar Capital Finance Ltd
Listing Status Unlisted Listed Listed
Revenue from Operations 579.42 19,139.62 1,392.98
Total Income 586.00 19,419.87 1,397.54
Finance Cost 284.76 9,230.75 687.34
Depreciation & Amortization 4.69 198.06 33.22
Total Expenses 448.99 14,814.56 1,267.90
EBITDA 426.46 14,034.12 850.20
PAT 101.81 3,420.06 115.84
No. of Shares Outstanding 7.02 84.00 13.61
EPS (in ₹) 14.51 40.72 8.51
Share Capital 70.16 168.06 136.08
Total Net Worth 946.55 19,593.24 3,235.22
Total Assets 4,480.87 156,686.41 11,120.70
Total Debt 3,074.65 104,511.13 4,230.61
Key Metrics:
CMP* 395.00 1,587.30 302.65
Market Cap (In Cr.) 2,771.18 133,333.20 4,119.07
Market Cap/Sales 4.73 6.87 2.95
EPS (Earnings Per Share) 14.51 32.44 8.51
BVPS (Book Value Per Share) 134.92 233.26 237.75
P/E 27.22 48.93 35.56
P/BV 2.93 6.80 1.27
EBITDA Margin 73.60% 73.32% 61.03%
ROE 10.76% 17.46% 3.58%
ROA 2.27% 2.18% 1.04%
Net NPA 1.80% 2.32% 2.09%
Capital Adequacy Ratio 26.51% 18.57% 28.87%
*Market Price in ₹ as on 18 Apr, 2025

Profit Loss

FY24 FY23 FY22 FY21 FY20
Revenue from operations 579.42 374.44 269.61 237.52 238.77
Y-o-Y Revenue Growth 54.74% 38.88% 13.51% -0.52% 51.32%
Other Income 6.58 4.00 2.08 0.57 0.74
Total Income 586.00 378.44 271.69 238.09 239.51
Total Expenses (Excludes Interest and Depreciation) 159.54 100.36 65.23 54.39 64.07
Operating Profit (After deducting Depreciation) 415.19 270.66 202.48 181.20 172.75
OPM % 71.66 72.28 75.10 76.29 72.35
EBITDA 426.46 278.08 206.46 183.70 175.44
Depreciation 4.69 3.42 1.90 1.93 1.95
EBIT 421.77 274.66 204.56 181.77 173.49
Interest 284.76 192.18 136.18 128.66 125.34
EBT before Exceptional Items 137.01 82.48 68.38 53.11 48.15
Prior period/Exceptional /Extra Ordinary Items 0.00 0.00 0.00 0.00 0.00
Profit before tax/EBT 137.01 82.48 68.38 53.11 48.15
Tax 35.20 20.96 17.25 15.21 12.30
Net Profit 101.81 61.52 51.13 37.90 35.85
Profit (loss) of minority interest 0.00 0.00 0.00 0.00 0.00
Total profit (loss) for period 101.81 61.52 51.13 37.90 35.85
EPS in Rs 14.51 8.77 9.71 7.54 7.13
EPS Change % 65.49% -9.69% 28.78% 5.75% 80.51%
EBITDA Change % 53.36% 34.69% 12.39% 4.71% 56.99%
Profit growth 65.49% 20.32% 34.91% 5.72% 91.30%
ROCE 9.93% 37.03% 48.37% 49.83% 55.21%
ROE 10.76% 8.50% 12.46% 10.73% 11.72%
Debt / Equity Ratio 3.25 3.31 3.80 3.83 3.50
Sales growth 3Years 34.62%
Sales growth 5Years 29.71%
Dividend per share 0.00

Balance Sheet

FY24 FY23 FY22 FY21 FY20
Share Capital 70.16 64.58 52.66 51.67 50.28
Reserves 863.92 659.45 357.81 301.69 255.55
Total shareholders' funds 946.55 724.03 410.47 353.36 305.83
Borrowings 3,074.65 2,397.23 1,559.67 1,353.59 1,069.44
Other Liabilities 73.40 206.35 92.63 97.91 103.81
Total Liabilities 3,534.31 2,612.02 1,657.86 1,455.94 1,175.74
Fixed Assets 8.42 7.48 4.77 3.72 4.45
Capital WIP 4.76 0.00 0.00 0.00 0.00
Investments 124.07 212.48 0.00 0.00 0.00
Other Assets 109.85 81.47 44.74 25.88 17.72
Total Assets 4,480.87 3,343.90 2,074.09 1,814.30 1,485.79
Cash Equivalents 47.21 339.16 121.98 186.39 70.05
Total Current liability 234.94 2,602.13 1,651.19 1,449.53 1,171.55
Total Assets -Total Current liabilty 4,245.93 741.77 422.90 364.77 314.24

Cash Flow

FY24 FY23 FY22 FY21 FY20
Net Cash from / (used in) Operating Activity -1,321.11 -810.26 -320.85 -252.49 -97.75
Net Cash from / (used in) Investing Activity 86.84 -214.69 -2.59 -0.87 -1.80
Net Cash from / (used in) Financing Activity 1,003.31 1,206.48 275.35 365.81 114.25
Net Inc/Dec In Cash And Cash Equivalents -230.96 181.53 -48.08 112.45 14.69

Share Holding Pattern

No. of Shares in Crs. % Holding
Promoters 3.01 42.84%
Non Promoters 4.01 57.16%

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