WEBSITE BSE:539692 NSE: IFINSER Inc. Year: 1994 Industry: Finance - Others My Bucket: Add Stock
Last updated: 10:25
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1. Business Overview
Interactive Financial Services Ltd. (IFINSER) operates in the financial services sector in India. Categorized under "Finance - Others," the company's specific activities within this broad sector (e.g., lending, asset management, brokerage, insurance, or niche financial services) are not specified. Therefore, its core business model generally involves providing financial services to clients within the Indian market. How it makes money would depend on its specific offerings, which could include interest income, fee-based revenue, commissions, or other financial service charges, but the exact revenue streams are unknown.
2. Key Segments / Revenue Mix
Information regarding IFINSER's key business segments or a breakdown of its revenue mix is not available.
3. Industry & Positioning
IFINSER operates within the diverse and competitive Indian financial services industry, which includes banks, non-banking financial companies (NBFCs), asset management companies, insurance firms, and various other financial intermediaries. The "Finance - Others" categorization suggests it might operate in a specialized or niche area, or it could be a holding company or a diversified financial entity. Without specific details on its business activities, its exact positioning relative to peers and the structure of its specific sub-industry cannot be determined.
4. Competitive Advantage (Moat)
Based on the limited information available, there is no discernible indication of any specific competitive advantages or "moats" such as a strong brand, significant scale, proprietary technology, network effects, or high switching costs that would protect IFINSER's market position.
5. Growth Drivers
Potential growth drivers for IFINSER, assuming it can capitalize on broader market trends, may include:
Indian Economic Growth: Sustained GDP growth in India can increase demand for financial services across various segments.
Financialization of Savings: A growing trend of individuals and businesses utilizing formal financial instruments and services.
Digital Adoption: Increasing digital penetration and technological innovation in financial services could create new avenues for growth and efficiency, if IFINSER is positioned to leverage them.
Under-penetrated Markets: Opportunities in specific financial services segments that are currently underserved in India.
6. Risks
Key risks for IFINSER, common to the Indian financial services sector and specific to the lack of detailed information, include:
Regulatory Changes: The financial sector is highly regulated; changes in policy, interest rates, or compliance requirements can impact profitability.
Economic Downturns: A slowdown in the Indian economy can reduce demand for financial services, increase credit defaults (if involved in lending), and affect asset valuations.
Intense Competition: The Indian financial services market is crowded and highly competitive, making it challenging to maintain market share and margins without a clear differentiator.
Credit Risk: If the company is involved in lending activities, the risk of loan defaults poses a significant threat.
Interest Rate Fluctuations: Changes in interest rates can impact funding costs and lending margins.
Operational and Technology Risks: Dependence on technology for service delivery exposes the company to operational outages, cyber threats, and data security risks.
7. Management & Ownership
Information regarding the promoters, management quality, or the ownership structure of Interactive Financial Services Ltd. is not available.
8. Outlook
IFINSER operates in the dynamic and growing Indian financial services sector, which presents broad opportunities driven by economic expansion and increasing financial inclusion. The company's future performance will largely depend on its specific business model, strategic execution, and ability to navigate the competitive and regulatory landscape. Without detailed information on its core operations, specific offerings, market positioning, or competitive advantages, it is challenging to assess its specific prospects. Growth would likely hinge on capitalizing on general sector tailwinds, while risks include intense competition, regulatory changes, and exposure to economic cycles, particularly without a clear differentiator.
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Market Cap ₹10 Cr.
Stock P/E 3.6
P/B 0.3
Current Price ₹14.9
Book Value ₹ 47.1
Face Value 10
52W High ₹23
Dividend Yield 0%
52W Low ₹ 12.6
Price goes above X
Price falls below X
PE goes above X
PE falls below X
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| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Sales | 1 | 1 | 1 | 3 | 2 | 1 | 1 | 1 | 2 | 2 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 |
| Total Income | 1 | 1 | 1 | 4 | 2 | 1 | 1 | 2 | 2 | 2 |
| Total Expenditure | 1 | 0 | 1 | 1 | 1 | 1 | 2 | 1 | 1 | 1 |
| Operating Profit | 1 | 0 | 0 | 3 | 1 | 1 | -1 | 1 | 2 | 1 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 | -0 |
| Profit Before Tax | 1 | 0 | 0 | 3 | 1 | 1 | -1 | 1 | 2 | 1 |
| Provision for Tax | 0 | 0 | 1 | 1 | 0 | 0 | -0 | 0 | 0 | 0 |
| Profit After Tax | 0 | 0 | -0 | 2 | 1 | 0 | -0 | 1 | 1 | 0 |
| Adjustments | 0 | -0 | 0 | 0 | -0 | 0 | -0 | -0 | 0 | 0 |
| Profit After Adjustments | 0 | 0 | -0 | 2 | 1 | 0 | -0 | 1 | 1 | 0 |
| Adjusted Earnings Per Share | 1.2 | 0.5 | -1 | 5.5 | 2.4 | 0.9 | -0.6 | 0.9 | 1.6 | 0.6 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Sales | 0 | 0 | 0 | 3 | 4 | 1 | 1 | 0 | 2 | 3 | 7 | 6 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 1 | 1 |
| Total Income | 0 | 0 | 1 | 3 | 4 | 1 | 1 | 2 | 3 | 3 | 9 | 7 |
| Total Expenditure | 0 | 1 | 1 | 2 | 3 | 1 | 0 | 1 | 1 | 2 | 4 | 5 |
| Operating Profit | 0 | -0 | 0 | 1 | 1 | 0 | 1 | 1 | 2 | 2 | 4 | 3 |
| Interest | 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 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 0 | -0 | 0 | 1 | 1 | 0 | 1 | 1 | 2 | 2 | 4 | 3 |
| Provision for Tax | -0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 |
| Profit After Tax | 0 | -0 | 0 | 0 | 1 | 0 | 0 | 1 | 1 | 1 | 3 | 2 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 0 | -0 | 0 | 0 | 1 | 0 | 0 | 1 | 1 | 1 | 3 | 2 |
| Adjusted Earnings Per Share | 0.1 | -0.4 | 0 | 1.3 | 2.2 | 0.4 | 1.2 | 2.7 | 3.3 | 1.7 | 4.1 | 2.5 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 133% | 0% | 48% | 0% |
| Operating Profit CAGR | 100% | 59% | 0% | 0% |
| PAT CAGR | 200% | 44% | 0% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -32% | 5% | 17% | -0% |
| ROE Average | 14% | 11% | 12% | 7% |
| ROCE Average | 20% | 18% | 17% | 11% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 3 | 3 | 5 | 6 | 5 | 4 | 5 | 8 | 9 | 12 | 28 |
| 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 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | -0 | -0 | -0 | -0 | -0 | -0 | 0 |
| Total Current Liabilities | 1 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 1 | 1 | 3 |
| Total Liabilities | 4 | 3 | 5 | 7 | 6 | 4 | 5 | 8 | 9 | 14 | 31 |
| Fixed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 4 | 3 | 0 | 6 | 5 | 3 | 3 | 5 | 5 | 1 | 4 |
| Total Current Assets | 0 | 0 | 5 | 1 | 1 | 1 | 1 | 3 | 5 | 12 | 27 |
| Total Assets | 4 | 3 | 5 | 7 | 6 | 4 | 5 | 8 | 9 | 14 | 31 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 1 | 2 |
| Cash Flow from Operating Activities | -0 | 1 | -1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 |
| Cash Flow from Investing Activities | 0 | 0 | -2 | 0 | -1 | 0 | 0 | 0 | -0 | 0 | -3 |
| Cash Flow from Financing Activities | 0 | -1 | 3 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | 12 |
| Net Cash Inflow / Outflow | 0 | -0 | 0 | 0 | -1 | 0 | 0 | 0 | -0 | 1 | 8 |
| Closing Cash & Cash Equivalent | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 2 | 9 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 0.09 | -0.43 | 0.03 | 1.35 | 2.2 | 0.36 | 1.22 | 2.72 | 3.26 | 1.65 | 4.12 |
| CEPS(Rs) | 0.09 | -0.42 | 0.04 | 1.35 | 2.2 | 0.37 | 1.23 | 2.73 | 3.26 | 1.67 | 4.14 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 8.37 | 7.94 | 12.67 | 17.18 | 14.7 | 11.16 | 13.21 | 21.38 | 23.37 | 33.9 | 40.53 |
| Core EBITDA Margin(%) | 34.79 | -28.83 | -96.26 | 19.26 | 21.91 | 9.13 | 40.33 | -23.78 | 20.84 | 38.43 | 40.11 |
| EBIT Margin(%) | 34.6 | -27.98 | 11.69 | 27.14 | 25.95 | 28.5 | 101.82 | 265.81 | 99.51 | 51.61 | 54.76 |
| Pre Tax Margin(%) | 10.6 | -34.25 | 6.49 | 26.04 | 25.65 | 28.42 | 101.79 | 265.7 | 98.49 | 51.12 | 53.1 |
| PAT Margin (%) | 13.97 | -34.25 | 2.76 | 19.49 | 19.65 | 20.71 | 70.11 | 220.39 | 77.1 | 19.87 | 38.52 |
| Cash Profit Margin (%) | 14.35 | -33.6 | 3.46 | 19.61 | 19.72 | 21.18 | 70.58 | 221.05 | 77.2 | 20.08 | 38.77 |
| ROA(%) | 0.85 | -4.37 | 0.28 | 8.23 | 12.65 | 2.72 | 10.46 | 15.61 | 13.76 | 5.31 | 12.77 |
| ROE(%) | 1.04 | -5.28 | 0.31 | 9.02 | 13.77 | 2.77 | 10.04 | 15.71 | 14.57 | 5.78 | 14.06 |
| ROCE(%) | 2.16 | -3.82 | 1.28 | 12.07 | 17.88 | 3.82 | 14.58 | 18.95 | 18.8 | 15 | 19.72 |
| Receivable days | 0 | 0 | 40.87 | 0 | 30.18 | 106.91 | 61.76 | 75.58 | 2.79 | 15.73 | 6.65 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PER(x) | 0 | 0 | 796.15 | 22.1 | 12.31 | 40.24 | 3.58 | 2.79 | 3.41 | 11.53 | 6.08 |
| Price/Book(x) | 0 | 1.76 | 2.02 | 1.73 | 1.84 | 1.29 | 0.33 | 0.35 | 0.48 | 0.56 | 0.62 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 16.26 | 11 | 22.25 | 4.14 | 2.35 | 7.44 | 1.49 | 5.33 | 2.03 | 1.8 | 1.15 |
| EV/Core EBITDA(x) | 46.48 | -40.24 | 179.61 | 15.2 | 9.03 | 25.69 | 1.46 | 2 | 2.04 | 3.47 | 2.1 |
| Net Sales Growth(%) | 8.82 | 103.37 | -7.54 | 494.06 | 61.66 | -84.5 | 0.74 | -29.33 | 242.95 | 96.86 | 141.58 |
| EBIT Growth(%) | 43.8 | -264.42 | 138.64 | 1279.21 | 54.57 | -82.98 | 259.84 | 84.49 | 28.39 | 2.1 | 156.31 |
| PAT Growth(%) | -39.75 | -598.46 | 107.45 | 4094.89 | 63.01 | -83.66 | 241 | 122.15 | 19.98 | -49.26 | 368.25 |
| EPS Growth(%) | -39.79 | -598.73 | 107.45 | 4095.64 | 63.01 | -83.66 | 240.95 | 122.15 | 19.98 | -49.26 | 148.94 |
| Debt/Equity(x) | 0.25 | 0 | 0.06 | 0.03 | 0 | 0 | 0 | 0 | 0 | 0 | 0.02 |
| Current Ratio(x) | 0.1 | 0.11 | 11.5 | 2.04 | 2.07 | 6.78 | 8.32 | 8.76 | 5.37 | 10.68 | 9.19 |
| Quick Ratio(x) | 0.1 | 0.11 | 11.5 | 2.04 | 2.07 | 6.78 | 8.32 | 8.76 | 5.37 | 10.68 | 9.19 |
| Interest Cover(x) | 1.44 | -4.46 | 2.25 | 24.64 | 86.02 | 324.28 | 3272 | 2414.6 | 98.1 | 104.81 | 32.98 |
| Total Debt/Mcap(x) | 0 | 0 | 0.03 | 0.02 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.69 | 0.69 | 0.69 | 0.69 | 0.69 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.69 | 0.69 | 0.69 | 0.69 | 0.69 |
* The pros and cons are machine generated.
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