Key Financials Snapshot

TTM · Standalone · ₹ in Cr
Market Cap
₹6 Cr.
Stock P/E
13.8
P/B
1.1
Current Price
₹12.7
Book Value
₹ 11.2
Face Value
10
52W High
₹16.3
52W Low
₹ 12.2
Dividend Yield
0%

Integra Capital Overview

Business

Integra Capital Ltd. is a Non-Banking Financial Company (NBFC) operating in India. Its core business revolves around providing various financial services, primarily lending and investment activities. As an NBFC, it engages in activities such as providing loans and advances, acquiring shares, stocks, bonds, debentures, or other marketable securities. The company earns revenue primarily through interest income generated from its loan portfolio, fees for financial services rendered, and gains from its investment activities.

Revenue Mix

While specific breakdowns for Integra Capital Ltd. are not readily available, typical NBFCs in India operate across segments such as corporate finance (loans to businesses), retail finance (personal loans, business loans to SMEs, loans against securities), and potentially investment in marketable securities. The revenue mix would primarily be driven by net interest income from its lending book and, to a lesser extent, fee income and investment gains.

Industry

Integra Capital Ltd. operates within India's highly competitive and regulated Finance - NBFC sector. The industry comprises a large number of players, ranging from large, diversified NBFCs with pan-India presence to smaller, niche-focused entities. The sector is characterized by strong competition from both public and private sector banks, as well as other NBFCs. Integra Capital Ltd. is likely a smaller-to-medium sized player, competing by potentially focusing on specific geographies, customer segments, or product niches where it can leverage its expertise and relationships, rather than competing on scale with larger entities.

MOAT

For an NBFC of its likely size, durable competitive advantages or moats are often limited. The company may possess some advantages through:

Niche Expertise: Specialization in certain lending segments or customer groups that are underserved by larger players.

Local Relationships: Strong borrower relationships and a deep understanding of local market dynamics in its operating regions.

Efficient Credit Assessment: Ability to accurately assess credit risk for its target segments.

However, products are generally commoditized, and barriers to entry in many lending segments are not exceptionally high, making sustained competitive advantage challenging in the face of intense competition.

Growth Drivers

Key factors that can drive Integra Capital Ltd.'s growth over the next 3-5 years include:

Economic Growth: A growing Indian economy fuels demand for credit across various sectors (retail, corporate, SME).

Financial Inclusion: Expansion into underserved segments or geographies that require access to formal credit.

Capital Availability: Ability to raise capital efficiently at competitive rates to expand its lending book.

Effective Risk Management: Maintaining strong asset quality and managing non-performing assets (NPAs) effectively allows for sustainable growth.

Diversification: Identifying and capitalizing on new, profitable lending or investment opportunities.

Risks

Integra Capital Ltd. faces several risks inherent to the NBFC sector:

Asset Quality Risk: Potential for non-performing assets (NPAs) to rise due to economic downturns or poor credit underwriting, impacting profitability and capital.

Liquidity Risk: Dependence on market borrowings for funding, making it susceptible to tight liquidity conditions or rising interest rates.

Interest Rate Risk: Mismatches between interest rate sensitivities of assets and liabilities can impact net interest margins.

Regulatory Risk: Changes in RBI regulations concerning NBFCs (e.g., capital adequacy, NPA recognition norms, lending guidelines) can impact operations and profitability.

Competition: Intense competition from banks and other NBFCs can squeeze margins and limit growth opportunities.

Economic Slowdown: A general economic slowdown can reduce credit demand and increase default rates.

Management & Ownership

Information on promoters and specific management quality is not publicly detailed without deeper investigation. However, in most Indian companies, a promoter group typically holds a significant ownership stake and plays a crucial role in strategic direction. For an NBFC, management quality is paramount, particularly in areas of credit risk assessment, capital allocation, and regulatory compliance. The ownership structure would typically involve the promoter group, public shareholders, and potentially institutional investors.

Outlook

Integra Capital Ltd. operates in a dynamic yet challenging Indian financial landscape. The bull case for the company rests on its ability to effectively identify and serve specific market niches, maintain stringent credit underwriting standards, ensure robust asset quality, and manage its funding costs efficiently in a growing economy. Its performance would also benefit from a favorable regulatory environment and stable interest rates.

Conversely, the bear case highlights risks such as a deterioration in asset quality due to economic headwinds, increased competition leading to margin compression, and potential challenges in raising timely and affordable capital. Any adverse changes in regulatory policies for NBFCs or significant liquidity crunches in the financial system could also impact its operational viability and growth prospects. Ultimately, the company's performance will hinge on its strategic execution in navigating a competitive and regulated sector while balancing growth aspirations with effective risk management.

Integra Capital Share Price

Live · BSE · Inception: 1990
₹ | |
Volume
Price

Key Financials — Profit & Loss

₹ in Cr · Standalone · annual

Integra Capital Quarterly Results

#(Fig in Cr.) Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
Operating Revenue 0 0 0 -0 -0 0 0 1 -0 0
Other Income 0 0 0 0 0 0 0 0 0 0
Total Income 0 0 0 -0 -0 0 0 1 -0 0
Total Expenditure 0 0 0 0 0 0 0 0 0 0
Operating Profit 0 0 0 -0 -0 0 0 1 -0 -0
Interest Expense 0 0 0 0 0 0 0 0 0 0
Depreciation 0 0 0 0 0 0 0 0 0 0
Profit Before Tax 0 0 0 -0 0 0 0 1 -0 -0
Provision for Tax 0 0 0 -0 -0 0 -0 0 -0 -0
Profit After Tax 0 0 0 -0 0 0 0 1 -0 -0
Adjustments -0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 0 0 0 -0 0 0 0 1 -0 -0
Adjusted Earnings Per Share 0.3 0.5 0.5 -0.6 0.1 0.7 0.1 1.4 -0.6 -0.1

Integra Capital Profit & Loss

#(Fig in Cr.) Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
Operating Revenue 1 1 3 0 0 1 0 0 1 0 1 1
Other Income 0 0 0 0 0 0 0 0 0 0 0 0
Total Income 1 1 3 0 0 1 0 0 1 0 1 1
Total Expenditure 1 1 3 0 1 0 0 0 0 0 0 0
Operating Profit 0 0 0 0 -0 0 0 -0 1 0 0 1
Interest Expense 0 0 0 0 0 0 0 0 0 0 0 0
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0
Profit Before Tax 0 0 0 0 -0 0 0 -0 1 0 0 1
Provision for Tax 0 0 0 0 0 0 0 0 0 0 0 0
Profit After Tax 0 0 0 0 -1 0 0 -0 1 0 0 1
Adjustments 0 0 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 0 0 0 0 -1 0 0 -0 1 0 0 1
Adjusted Earnings Per Share 0.2 0.3 0.3 0.2 -1.1 0.8 0.2 -0.7 2 0.5 0.9 0.8

Integra Capital Balance Sheet

#(Fig in Cr.) Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Shareholder's Funds 4 4 4 4 4 4 4 4 5 5 5
Minority's Interest 0 0 0 0 0 0 0 0 0 0 0
Borrowings 0 0 0 0 0 0 0 0 0 0 0
Current Liability 0 0 0 0 0 0 0 0 0 0 0
Other Liabilities & Provisions 0 0 0 0 0 0 0 0 0 0 0
Total Liabilities 4 4 4 4 4 4 4 4 5 5 6
Loans 0 0 0 0 0 0 0 0 1 1 0
Investments 3 3 3 1 2 2 2 1 0 0 0
Fixed Assets 0 0 0 0 0 0 0 0 0 0 0
Other Loans 0 0 0 0 0 0 0 0 0 0 0
Other Non Current Assets 0 0 0 0 0 0 0 0 0 0 0
Current Assets 1 1 1 3 1 2 3 3 4 5 6
Total Assets 4 4 4 4 4 4 4 4 5 5 6

Integra Capital Cash Flow

#(Fig in Cr.) Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Opening Cash & Cash Equivalents 0 0 0 0 0 0 0 0 0 0 0
Cash Flow from Operating Activities 0 0 -1 0 0 -1 -0 -0 0 1 0
Cash Flow from Investing Activities -0 -0 1 -0 -0 1 0 0 -0 -0 -0
Cash Flow from Financing Activities 0 0 0 0 0 0 0 0 0 0 0
Net Cash Inflow / Outflow -0 0 -0 0 -0 0 -0 -0 0 0 -0
Closing Cash & Cash Equivalent 0 0 0 0 0 0 0 0 0 0 0

Integra Capital Ratios

# Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Earnings Per Share (Rs) 0.16 0.3 0.31 0.23 -1.13 0.83 0.2 -0.65 2.04 0.5 0.91
CEPS(Rs) 0.17 0.3 0.32 0.23 -1.13 0.83 0.2 -0.65 2.04 0.5 0.91
DPS(Rs) 0 0 0 0 0 0 0 0 0 0 0
Book NAV/Share(Rs) 7.92 8.22 8.36 8.59 7.45 8.28 8.48 7.83 9.87 10.36 11.28
Net Profit Margin 12.44 12.03 5.15 34.16 -314.72 70.45 27.62 -301.25 76.49 81.75 53.69
Operating Margin 17.9 12.03 5.15 34.16 -283.55 76.09 48.56 -301.25 77.7 118.55 61.55
PBT Margin 17.9 12.03 5.15 34.16 -283.55 76.09 47.21 -301.25 77.7 118.55 61.55
ROA(%) 1.99 3.62 3.65 2.58 -13.56 10.01 2.23 -7.54 21.97 4.69 7.97
ROE(%) 2.07 3.77 3.79 2.68 -14.12 10.49 2.35 -7.98 23.05 4.93 8.44
ROCE(%) 2.86 3.62 3.65 2.58 -12.24 10.89 3.98 -7.68 22.61 6.93 9.4
Price/Earnings(x) 0 0 125.44 199.78 0 12.36 103.1 0 9.32 27.77 15.79
Price/Book(x) 0 0 4.71 5.28 6.04 1.23 2.39 2.87 1.93 1.34 1.28
Dividend Yield(%) 0 0 0 0 0 0 0 0 0 0 0
EV/Net Sales(x) 7.62 3.9 6.46 68.18 124.95 8.63 28.38 103.86 7.12 21.52 8.4
EV/Core EBITDA(x) 41.06 32.46 124.35 197.48 -44.17 11.34 58.45 -34.48 9.16 154.89 13.65
Interest Earned Growth(%) 3.54 93.88 141.17 -89.1 -45.85 225.55 -39.15 -69.7 1134.38 -77.13 179.09
Net Profit Growth -66.41 87.47 3.32 -27.73 -598.92 172.88 -76.15 -430.47 413.42 -75.56 83.31
EPS Growth(%) -66.4 87.42 3.32 -27.73 -598.94 172.88 -76.14 -430.42 413.4 -75.56 83.3
Interest Coverage(x) % 0 0 0 0 0 0 35.93 0 0 0 0

Growth Rates

Compounded annual
# 1 Year 3 Year 5 Year 10 Year
Sales CAGR — — 0% 0%
Operating Profit CAGR — — — —
PAT CAGR — — — —
Share Price CAGR -22% -7% -13% -4%
ROE Average +8% +12% +6% +4%
ROCE Average +9% +13% +7% +4%

Integra Capital Shareholding Pattern

Latest · Sep 2026
100% held
Promoters 50.01 %
FII 0 %
DII (MF + Insurance) 0 %
Public (retail) 49.99 %
# Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026
Promoter 50.0150.0150.0150.0150.0150.0150.0150.0150.0150.01
FII 0000000000
DII 0000000000
Public 49.9949.9949.9949.9949.9949.9949.9949.9949.9949.99
Others 0000000000
Total 100100100100100100100100100100

Integra Capital Peer Comparison

Finance - NBFC Edit Columns

Integra Capital Quarterly Price

10-year quarterly close · BSE
Show Value Show %

News & Updates

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Integra Capital Pros & Cons

Pros

  • Company is almost debt free.

Cons

  • Company has a low return on equity of 12% over the last 3 years.
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