Overview

Detailed Summary

Intec Capital Limited is a Non-Banking Financial Company (NBFC) providing financial services to SMEs, focusing on asset finance, working capital, and loan against property.
Intec has a diverse portfolio including corporate advisory services, life and general insurance products, and investment funds, targeting comprehensive financial solutions for clients.
The company is known for its customer-centric approach, offering flexible and timely credit solutions that cater specifically to SME needs, boosting its reputation as a reliable financial partner.
Strategically, Intec has expanded its capabilities through mergers, such as with Unitel Credit Private Limited, enhancing its service offerings and market reach.
Intec is considered innovative in the financial services sector, integrating strategic acquisitions to expand its business lines and deliver differentiated value to its clients.

Sector: Finance
Industry: NBFC-Others
Market Cap: 18 Cr
Volatility: Low Risk
P/E Ratio: 3.6
Industry P/E: 27.9
PEG Ratio: 0.0
P/B Ratio: 0.5
52W High: 18.98
52W Low: 9.00

Sales CAGR

1Y: 15.96%
3Y: -31.12%
5Y: -25.87%
10Y: -33.03%

Profit CAGR

1Y: 103.89%
3Y: -56.27%
5Y: —
10Y: -28.85%

ROE

TTM: 13.06%
3Y: -30.89%
5Y: -5.57%
10Y: -10.10%

ROCE

TTM: 13.70%
3Y: -16.77%
5Y: 0.87%
10Y: 8.40%

Technicals

‌

Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
GREENCREST	0.50	19 Cr	-12.50	0.33	0.00	-1.90	1.38	-1.33
TCIFINANCE	14.00	19 Cr	3.65	0.00	0.00	-4.66	-4.76	33.50
INTECCAP	9.98	18 Cr	3.60	0.48	0.00	13.06	13.70	6.95
RFLL	18.62	18 Cr	22.71	1.07	0.00	4.33	4.92	4.35
PRISMFN	26.96	18 Cr	-11.19	0.69	0.00	-10.11	-19.47	-5.81
SHYMINV	12.60	17 Cr	10.33	2.31	1.57	12.00	8.76	9.14
GILADAFINS	11.80	16 Cr	7.38	0.76	0.00	8.55	12.17	6.22

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

View Standalone

Total Figures

QoQ Changes

Total Figures

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	1.09	0.63	0.99	0.01	0.14	0.41	3.01	6.22	0.82	1.94
Expenses	1.85	1.41	1.24	1.04	0.67	0.64	-0.70	0.26	-0.11	1.16
Interest	0.02	0.04	0.13	0.14	0.17	0.20	0.65	0.72	1.10	0.91
Financing Profit	-0.78	-0.82	-0.38	-1.17	-0.70	-0.43	3.06	5.24	-0.17	-0.13
Financing Margin %	-71.56	-130.16	-38.38	-11,700.00	-500.00	-104.88	101.66	84.24	-20.73	-6.70
Other Income	0.03	0.03	0.06	0.03	0.02	0.02	0.81	0.02	0.01	0.27
Depreciation	0.12	0.11	0.14	0.10	0.11	0.10	0.18	0.09	0.09	0.09
Profit Before Tax	-0.87	-0.90	-0.46	-1.24	-0.79	-0.50	3.69	3.92	-0.24	0.05
Tax %	-2.30	-8.89	426.09	-5.65	-15.19	-32.00	15.99	24.23	-150.00	880.00
Net Profit	-0.89	-0.98	1.50	-1.32	-0.91	-0.65	3.10	2.97	-0.60	-0.39
EPS in Rs	-0.48	-0.54	0.81	-0.72	-0.49	-0.36	1.69	1.62	-0.33	-0.21
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	96	53	39	15	5.88	9.73	6.89	3.74	3.57	3.57
Expenses	41	59	25	56	-11	13	27	12	1.66	1.65
Interest	55	34	20	7.85	0.20	0.13	0.15	0.23	1.16	1.16
Financing Profit	0.31	-40	-5.53	-49	17	-3.72	-21	-8.55	0.75	0.76
Financing Margin %	0.32	-75.02	-14.04	-329.87	282.60	-38.24	-298.42	-228.70	21.05	21.29
Other Income	1.76	6.87	2.60	1.34	1.08	0.07	1.61	0.16	0.89	0.88
Depreciation	0.70	0.65	0.57	0.73	0.70	0.56	0.56	0.49	0.48	0.49
Profit Before Tax	1.36	-34	-3.51	-48	17	-4.21	-20	-8.88	1.16	1.16
Tax %	74.51	10.06	-168.56	22.75	46.22	-3.55	-44.24	36.33	81.08	81.03
Net Profit	0.35	-30	-9.41	-37	18	2.27	-28	-5.65	0.22	0.22
EPS in Rs	—	—	-5.12	-20.36	9.69	1.24	-15.33	-3.09	0.12	2.77
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	—

Consolidated Balance Sheet (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	18	18	18	18	18	18	18	18	18	18
Reserves	146	146	118	67	30	48	50	22	16	16
Borrowings	399	271	168	109	85	72	57	53	55	41
Other Liabilities	162	126	154	7.85	6.00	4.42	4.67	3.93	5.95	6.39
Total Liabilities	725	561	459	202	139	142	130	97	95	82
Fixed Assets	11	11	14	14	14	14	14	13	13	13
CWIP	0.77	0.77	0.07	0.05	0.05	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	0.07	0.07	0.07	0.07	0.07	0.07	0.07
Other Assets	713	549	445	188	125	128	116	84	82	69
Total Assets	725	561	459	202	139	142	130	97	95	82

Consolidated Cash Flows (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-14	158	140	103	32	6.56	9.54	1.53	2.70	9.81
Cash from Investing Activity	-0.28	-0.05	-0.32	11	0.14	-1.04	-0.24	-0.19	0.13	1.12
Cash from Financing Activity	-18	-159	-142	-113	-32	-4.95	-8.09	-4.24	1.21	-15
Net Cash Flow	-33	-0.20	-2.02	1.70	-0.32	0.57	1.22	-2.90	4.04	-4.48

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	74.56%	74.56%	74.50%	74.12%	73.54%	72.97%	72.68%	71.76%	71.09%	71.09%	71.05%	71.05%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
DIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Public	25.44%	25.44%	25.50%	25.88%	26.46%	27.03%	27.32%	28.24%	28.91%	28.91%	28.95%	28.95%
Total Shareholders	1,296	1,298	1,302	1,353	1,452	1,845	1,819	1,970	1,918	1,914	1,970	1,973

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