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IKF FINANCE LIMITED

  • www.ikffinance.com
  • Sector: Banks/NBFC
  • CHRYSEUM SCORE: 6.00/10.00
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    IKF FINANCE LIMITED

    • Sector: Banks/NBFC
    • CHRYSEUM SCORE: 6.00/10.00

    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

    3.65

    Avg P/B of Key Peers

    3.47

    P/B of Industry

    1.76

    Valuation Score

    0.00

    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

    46.86%

    PAT Growth

    40.83%

    BVPS Growth

    46.86%

    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

    1.00

    Net NPA

    3.00

    Capital Adequacy

    2.00

    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.

₹430.00 -30.00 (-6.52%)

As on 04 Mar, 2026
L 273.00 52 Week Range H 505.00
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 ₹ 430.00
  • No. of Shares outstanding 9.21 Cr.
  • Market Cap ₹ 3,960.30 Cr
Financials
  • Revenue from operations ₹ 853.95 Cr.
  • EBITDA ₹ 616.68 Cr.
  • EBITDA Margin % 72.22%
  • Profit After Tax ₹ 142.81 Cr.
  • PAT Margin % 16.36%
  • EPS 15.51
  • Stock P/E 27.72
  • Book Value Per Share 116.51
  • P/B 3.69
  • Debt/Equity 3.80
Other Key Statistics
  • 52 week High/Low 505.00/273.00
  • Dividend Per Share 0.00
  • Dividend Yield 0.00%
  • Sales Growth - 3 years 46.86%
  • EBITDA Growth - 3 years 44.02%
  • PAT Growth - 3 years 40.83%
  • EPS Growth - 3 years 16.90%
  • ROE 13.31%
  • ROCE 28.20%
  • Cash Equivalents 320.10
All figures below are in INR Crores unless otherwise stated

Peer Comparison

Key Financials - FY25
Company Name IKF Finance Limited Cholamandalam Investment & Finance Company Ltd Indostar Capital Finance Ltd
Listing Status Unlisted Listed Listed
Revenue from Operations 853.95 23,747.74 1,404.17
Total Income 872.94 26,152.76 1,409.66
Finance Cost 420.38 12,494.53 740.84
Depreciation & Amortization 5.16 244.83 30.62
Total Expenses 681.80 20,411.31 1,357.11
EBITDA 616.68 18,480.81 824.01
PAT 101.81 4,262.70 120.52
No. of Shares Outstanding 9.21 84.09 13.61
EPS (in ₹) 11.05 50.69 8.86
Share Capital 70.16 168.25 136.10
Total Net Worth 1,073.02 23,668.69 3,635.23
Total Assets 6,249.89 201,886.76 13,255.90
Total Debt 4,076.81 133,791.98 3,124.30
Key Metrics:
CMP* 430.00 1,653.60 216.12
Market Cap (In Cr.) 3,960.30 139,051.22 2,941.39
Market Cap/Sales 4.54 5.32 2.09
EPS (Earnings Per Share) 11.05 32.44 8.86
BVPS (Book Value Per Share) 116.51 281.45 267.10
P/E 38.91 50.97 24.39
P/BV 3.69 5.88 0.81
EBITDA Margin 72.22% 77.82% 58.68%
ROE 9.49% 18.01% 3.32%
ROA 1.63% 2.11% 0.91%
Net NPA 1.50% 2.63% 2.46%
Capital Adequacy Ratio 20.86% 19.22% 28.46%
*Market Price in ₹ as on 04 Mar, 2026

Profit Loss

FY25 FY24 FY23 FY22 FY21
Revenue from operations 853.95 579.42 374.44 269.61 237.52
Y-o-Y Revenue Growth 47.38% 54.74% 38.88% 13.51% -0.52%
Other Income 18.99 6.58 4.00 2.08 0.57
Total Income 872.94 586.00 378.44 271.69 238.09
Total Expenses (Excludes Interest and Depreciation) 256.26 159.54 100.36 65.23 54.39
Operating Profit (After deducting Depreciation) 592.53 415.19 270.66 202.48 181.20
OPM % 69.39 71.66 72.28 75.10 76.29
EBITDA 616.68 426.46 278.08 206.46 183.70
Depreciation 5.16 4.69 3.42 1.90 1.93
EBIT 611.52 421.77 274.66 204.56 181.77
Interest 420.38 284.76 192.18 136.18 128.66
EBT before Exceptional Items 191.14 137.01 82.48 68.38 53.11
Prior period/Exceptional /Extra Ordinary Items 0.00 0.00 0.00 0.00 0.00
Profit before tax/EBT 191.14 137.01 82.48 68.38 53.11
Tax 48.33 35.20 20.96 17.25 15.21
Net Profit 142.81 101.81 61.52 51.13 37.90
Profit (loss) of minority interest 0.46 0.00 0.00 0.00 0.00
Total profit (loss) for period 142.35 101.81 61.52 51.13 37.90
EPS in Rs 15.51 11.05 6.68 9.71 7.54
EPS Change % 40.27% 65.49% -31.21% 28.78% 5.75%
EBITDA Change % 44.61% 53.36% 34.69% 12.39% 4.71%
Profit growth 40.27% 65.49% 20.32% 34.91% 5.72%
ROCE 28.20% 9.93% 37.03% 48.37% 49.83%
ROE 13.31% 10.76% 8.50% 12.46% 10.73%
Debt / Equity Ratio 3.80 3.25 3.31 3.80 3.83
Sales growth 3Years 46.86%
Sales growth 5Years 29.03%
Dividend per share 0.00

Balance Sheet

FY25 FY24 FY23 FY22 FY21
Share Capital 70.16 70.16 64.58 52.66 51.67
Reserves 1,002.86 863.92 659.45 357.81 301.69
Total shareholders' funds 1,073.02 946.55 724.03 410.47 353.36
Borrowings 4,076.81 3,074.65 2,397.23 1,559.67 1,353.59
Other Liabilities 123.66 73.40 206.35 92.63 97.91
Total Liabilities 5,176.86 3,534.32 2,612.02 1,657.86 1,455.94
Fixed Assets 10.20 8.42 7.48 4.77 3.72
Capital WIP 55.40 4.76 0.00 0.00 0.00
Investments 15.12 124.07 212.48 0.00 0.00
Other Assets 139.37 109.85 81.47 44.74 25.88
Total Assets 6,249.89 4,480.87 3,343.90 2,074.09 1,814.30
Cash Equivalents 320.10 82.70 339.16 121.98 186.39
Total Current liability 4,081.43 234.94 2,602.13 1,651.19 1,449.53
Total Assets -Total Current liabilty 2,168.46 4,245.93 741.77 422.90 364.77

Cash Flow

FY25 FY24 FY23 FY22 FY21
Net Cash from / (used in) Operating Activity -1,384.92 -1,321.11 -810.26 -320.85 -252.49
Net Cash from / (used in) Investing Activity 52.03 86.84 -214.69 -2.59 -0.87
Net Cash from / (used in) Financing Activity 1,568.19 1,003.31 1,206.48 275.35 365.81
Net Inc/Dec In Cash And Cash Equivalents 235.30 -230.96 181.53 -48.08 112.45

Share Holding Pattern

No. of Shares in Crs. % Holding
Promoters 3.29 35.71%
Non Promoters 5.92 64.29%

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