RATING

RECOMMENDATION

Sell

  • ROFR Required
  • Available in Depository:

  • NSDL

  • CDSL

  • Available for Investment:

  • Primary

  • Secondary

RATING

RECOMMENDATION

Sell

Business Type

Traditional Business

RATING

RECOMMENDATION

Sell

Business Type

Traditional Business

  • Fincare Business Service Growth

Fincare Business Service Revenue Growth

Growth in %

  • -9.12%

    1 Year

  • 63.29%

    3 Year

  • 59.15%

    4 Year

The company's net revenue has decreased by 9% due to an increase in loan loss provisions, while interest income has climbed by 17.2%, and income from fees and commissions has increased by 13.1%.

Fincare Business Service Net Profit Growth(PAT)

Growth in %

  • -44.11%

    1 Year

  • NA

    3 Year

  • 101.37%

    4 Year

Net profit has decreased by 44% as a consequence of an increase in expenditures, such as those connected to employee perks and finance charges as a result of the company's increased borrowing.

Fincare Business Service EPS Growth

Growth in %

  • -45.48%

    1 Year

  • NA

    3 Year

  • -9.76%

    4 Year

EPS of the company has seen a fall purely due to fall in profit of the company, while no. of shares of the company are constant.

  • Fincare Business Service Book Value Growth

Growth in %

  • 27.14%

    1 Year

  • 21.60%

    2 Year

  • 42.74%

    3 Year

The company's book value per share has improved as a result of an increase in reserves and surplus due to reserve fund created as per banking regulations that can only be used for certain purposes, and the company has also raised its minority stake in its subsidiary, which further boosted the company's equity. Overall, the company's equity declined by 3.98% in FY22. While in FY20, the abrupt decline in book value per share was caused by the company's share split, which increased the total number of shares from 3.28 Cr. to 32.84 Cr.

Fincare Business Service EBITDA Growth

Growth in %

  • -41.60%

    1 Year

  • NA

    3 Year

  • 80.31%

    4 Year

Fincare Business Service Operating Profit Growth

Growth in %

  • -50.34%

    1 Year

  • NA

    3 Year

  • 75.91%

    4 Year

Fincare Business Service Asset Growth

Growth in %

  • 11.12%

    1 Year

  • 52.51%

    3 Year

  • 58.85%

    4 Year

Due to an increase in investments and loans given to its subsidiary firm, Fincare Small Finance Bank, the company's total assets have grown by almost 11%. The company's loans increased overall by 8.8%.

Fincare Business Service Cash Flow from Financing

Growth in %

  • NA

    1 Year

  • -49.35%

    3 Year

  • -24.66%

    4 Year

The Cash Flow From Financing has grown due to borrowing proceeds, while the firm has returned a large portion of its borrowing and has given some borrowing to the RBI and other parties for the purpose of liquidity adjustment facility.

  • Fincare Business Service Solvency Ratios

Fincare Business Service D/E Ratio

The company's debt-to-equity ratio is constantly decreasing; total equity increased in FY21 as a consequence of increased reserves, surpluses, and other comprehensive equity. Although the company's debt has increased somewhat as a result of a rise in fixed rate borrowings, it is still relatively steady compared to prior years.

Fincare Business Service Current Ratio

Due to security deposits held by the firm and cash kept by their company with the banks and RBI, the company's current ratio is high in contrast to the industry. This makes it secure for investment as they have money for backup.

Fincare Business Service Quick Ratio

Fincare Business Service Interest Coverage Ratio

  • Fincare Business Service Operating Efficiency

The operating efficiency of the company is deteriorating for the past 2 years due to an increase in the provision of impaired assets made by the company. The company's profitability decreased as a result, despite increased net interest income.

Fincare Business Service Operating Profit EBIT Margin(OPM)

Fincare Business Service Profit Before Tax Margin (PBT Margin)

Fincare Business Service Profit After Tax Margin (PAT Margin)

  • Fincare Business Service Profitablity Ratio

Fincare Business Service Return on Equity(RoE)

The company's ROE has declined as a result of a loss in earnings caused by increased expenses, rising minority interest income, and reserves retained in accordance with banking and RBI rules.

Fincare Business Service Return to Assets (RoA)


  • Fincare Business Service Valuation Ratios

Fincare Business Service Earning Yield

  • Fincare Business Service NBFC's Ratios

Fincare Business Service Tangibe Book Value