IndoStar Capital Finance Limited (INDOSTAR) AI Stock Analysis

• Market Cap: ₹29.50B
• Dividend Yield: N/A
• Average Volume (3M): 7.94K
• Price to Earnings (P/E): 98.9
• Beta (1Y): 1.39
• Revenue Growth: -5.36%
• EPS Growth: 469.19%
• Country: IN
• Employees: 3,067
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 0.58
• Shares Outstanding: 161,537,260
• 10 Day Avg. Volume: 6,211
• 30 Day Avg. Volume: 7,943
• PEG Ratio: 19.89
• Price to Book (P/B): 2.71
• Price to Sales (P/S): 7.75
• P/FCF Ratio: -9.11
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 39.2
• Revenue Forecast (FY): ₹7.72B

• Rating: 50 Neutral
• Price Target: ₹183.00 ▼(-21.32% Downside)
• Action: Reiterated Date: 11/14/25
• Date: Action: Reiterated 11/14/25

The overall stock score reflects significant financial challenges, including inconsistent revenue growth and high leverage, which are major concerns. Technical indicators suggest a bearish trend, while the low P/E ratio indicates potential undervaluation. The absence of earnings call data and corporate events limits additional insights.

Positive Factors

Secured lending business model

IndoStar's focus on secured lending (vehicle and other asset-backed loans) provides structural loss mitigation through collateral recoveries and clearer underwriting parameters. Over 2–6 months this reduces loss severity, supports recoveries in stress, and stabilizes credit performance.

Negative Factors

High leverage

Material reliance on debt amplifies funding and refinancing risk for an NBFC reliant on wholesale borrowings. High leverage reduces financial flexibility, increases interest burden sensitivity to rate moves, and raises the probability that credit stress requires external support or deleveraging.

IndoStar Capital Finance Limited Business Overview & Revenue Model

Company Description

IndoStar Capital Finance Limited, a non-banking financial company, provides various financing services to corporates, small and medium enterprises, and individual customers in India. The company operates through four segments: Large Corporate, SME...

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IndoStar Capital Finance Limited, a non-banking financial company, provides various financing services to corporates, small and medium enterprises, and individual customers in India. The company operates through four segments: Large Corporate, SME...

How the Company Makes Money

INDOSTAR makes money primarily by lending and earning a spread between (1) interest and fees it collects from borrowers and (2) the interest and costs it pays to fund those loans. Key revenue streams typically include: - Interest income on loans:...

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INDOSTAR makes money primarily by lending and earning a spread between (1) interest and fees it collects from borrowers and (2) the interest and costs it pays to fund those loans. Key revenue streams typically include: - Interest income on loans:...

IndoStar Capital Finance Limited Financial Statement Overview

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	13.39B	12.72B	9.26B	10.86B	10.94B	11.83B
Gross Profit	7.91B	6.67B	4.23B	3.83B	5.50B	5.53B
EBITDA	5.09B	4.63B	3.57B	3.49B	-6.99B	397.15M
Net Income	6.20B	1.21B	1.16B	2.25B	-7.37B	-2.14B
Balance Sheet
Total Assets	102.31B	132.56B	111.21B	91.22B	96.61B	100.84B
Cash, Cash Equivalents and Short-Term Investments	3.63B	9.02B	14.44B	10.75B	4.36B	17.23B
Total Debt	57.09B	69.16B	75.72B	56.48B	62.23B	60.08B
Total Liabilities	62.37B	96.20B	78.85B	60.11B	67.32B	63.86B
Stockholders Equity	39.95B	36.35B	32.35B	31.12B	29.29B	36.98B
Cash Flow
Free Cash Flow	-2.47B	-10.83B	-22.22B	8.80B	-16.00B	10.58B
Operating Cash Flow	-2.43B	-10.61B	-22.08B	8.99B	-15.64B	10.68B
Investing Cash Flow	14.43B	-3.05B	6.83B	-2.59B	11.65B	-9.92B
Financing Cash Flow	-12.57B	10.70B	19.59B	-5.40B	2.00B	352.88M

IndoStar Capital Finance Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 232.60
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:INDOSTAR, the sentiment is Negative. The current price of 232.6 is above the 20-day moving average (MA) of 203.56, above the 50-day MA of 215.86, and below the 200-day MA of 257.24, indicating a bearish trend. The MACD of -9.53 indicates Positive momentum. The RSI at 35.68 is Neutral, neither overbought nor oversold. The STOCH value of 27.87 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:INDOSTAR.

IndoStar Capital Finance Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FEDFINA	70 Outperform	₹48.63B	16.05	―	―	14.44%	-10.84%
SHAREINDIA	68 Neutral	₹27.10B	10.29	―	0.68%	-25.37%	-48.56%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PAISALO	65 Neutral	₹31.23B	12.44	―	0.29%	11.75%	-6.52%
MASFIN	64 Neutral	₹53.02B	15.92	―	0.43%	24.90%	11.78%
INDOSTAR	50 Neutral	₹29.50B	98.87	―	―	-5.36%	469.19%

IndoStar Capital Finance Limited Corporate Events