ICL Fincrop Limited
-3.7 %As of May 11, 2025, ICL Fincrop Limited share price is INR 26.00 per share and the face value is INR 10.00 per share. The lot size of ICL Fincrop Limited is 0 shares. The 52 week high for ICL Fincrop Limited is INR 27.00, while the 52 week low is INR 26.00
About ICL Fincrop Limited
A Comprehensive Overview of Price & Journey
Understanding ICL Fincrop Limited Inception and Growth
SHOW MORE...About ICL Fincrop Limited
IPO Details, Price movement
Performance Highlights for the FY 2023-24
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Gold Loan AUM rose to Rs. 465 crores in FY24, up from Rs. 392 crores in FY23.
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The company generated its revenue from operations from two sources: one source is through interest income, and another source is Revenue from financial services.
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The revenue from operations for FY24 was Rs. 143 Crores, and in FY23, it was Rs. 113 Crores, an increase of 27%.
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The revenue from interest income involve two major components, Interest on Loan and Interest on Fixed Assets and the revenue from them in FY24 was Rs. 140 Crores and 0.42 Crores respectively and in FY23 the revenue from them was Rs. 110 Crores and 0.13 Crores respectively and here it can be seen that the one of the reason of increase in revenue is due to increase in interest income for the company and it showing upward trend.
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The revenue from financial services also involve two major components, Income From Money Transfer Fees and Service Charges Received, and the revenue from both of them in FY24 was Rs. 0.72 Crores, and in FY23, the revenue from them was Rs. 0.85 Crores and this source doesn't have much impact on revenue.
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The Profit for FY24 was Rs. 0.08 Crores, and in FY23, it was Rs. 3.03 Crores, so here, despite the increase in revenue, the company generated lesser profits than the previous year.
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The company spent Rs. 49.30 Crores in operating activities, Rs. 19.97 Crores on investing activities, and both activities showed cash outflow, but there is cash inflow in Financing activities of Rs. 74.59 Crores.
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The return on average loan assets stood at 0.85% in 2023 24, against 0.62% in 2022-23.
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Interest yield was 32.55%, as compared to 29.96% in 2022-23. Net interest margin was 19.32%, as against 17.01% in 2022-23.
Fundamentals
Financials
| P&L Statement | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Revenue | - | 88.48 | 113.08 | 143.16 |
| Other Income | - | 0.95 | -0.44 | 2.54 |
| COGS | - | - | - | - |
| Gross Profit | - | 89.43 | 112.64 | 145.69 |
| Total Expense | - | 38.98 | 50.32 | 74.68 |
| EBIDTA | - | 50.46 | 62.32 | 71.02 |
| D&A | - | 8.00 | 11.02 | 13.23 |
| EBIT | - | 42.45 | 51.30 | 57.79 |
| Interest Expense | - | 38.73 | 47.06 | 56.74 |
| PBT | - | 3.72 | 4.24 | 1.05 |
| TAX | - | 1.01 | 1.20 | 0.97 |
| PAT | - | 2.71 | 3.04 | 0.08 |
| Diluted EPS | - | 0.61 | 0.64 | 0.02 |
| Basic EPS | - | 0.61 | 0.64 | 0.02 |
| Total income | 0.00 | 89.43 | 112.64 | 145.70 |
ASSETS
| CURRENT ASSETS | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Cash and Cash Equivalents | - | 13.75 | 9.79 | 15.11 |
| Trade Payables | - | - | - | - |
| Inventory | - | - | - | - |
| Other Current Assets | - | 387.03 | 447.37 | 530.06 |
| Total Current Assets | 0.00 | 400.78 | 457.16 | 545.17 |
| NON CURRENT ASSETS | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Plant Property and Equipment | - | 32.62 | 44.36 | 64.50 |
| Long Term Investment | - | - | - | - |
| Other Non Current Assets | - | 25.27 | 26.05 | 28.29 |
| TOTOAL NON CURRENT ASSSETS | 0.00 | 57.89 | 70.41 | 92.79 |
| Total Assets | 0.00 | 458.67 | 527.57 | 637.96 |
|---|
| CURRENT LIABILITES | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| TRADW Payable | - | 1.04 | 1.44 | 4.17 |
| Other Current Liab | - | 370.01 | 427.48 | 529.74 |
| Total Current Liab | 0.00 | 371.05 | 428.92 | 533.91 |
| NON CURRENTLIABILITIES | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Long Term Debt | - | - | - | - |
| Deffered Tax Liab | - | - | - | - |
| Other Non Current Liab | - | 6.60 | 7.41 | 7.05 |
LIABILITIES
| EQUITY | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Share Capital | - | 44.33 | 47.39 | 49.79 |
| Reserves And Surplus | - | - | - | - |
| Other Equity | - | 36.65 | 43.94 | 47.19 |
| Retained Earnings | - | - | - | - |
| share Equity | 0.00 | 80.98 | 91.33 | 96.98 |
| Total Liabilities | 0.00 | 87.58 | 98.74 | 104.03 |
|---|
| CASH FLOW STAT | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Cash Flow from operating | - | -36.01 | -27.99 | -49.30 |
| Cash Flow from financing | - | 59.94 | 39.60 | 74.59 |
| Cash Flow from investing | - | -21.27 | -15.56 | -19.97 |
| Net cash flow | 0.00 | 2.66 | -3.95 | 5.32 |
Revenue Growth
PAT Growth %
EPS Growth %
TOTAL ASSETS Growth %
QUICK RATIO Growth %
LONG TERM DEBT TO EQUITY RATIO Growth %
Frequently Asked Questions
- The lockin period is of 6 months for pre-ipo investors i.e. they cannot sell their shares for 6 months after they get listed. However, they can definitely sell the shares in pre-ipo market before they get listed.