Hero FinCorp Limited

Last Traded Price : ₹1290

About

Finance Made Easy. Three simple words, that drive India's next generation ultra-lean credit champion Hero FinCorp. Incorporated in December 1991 as Hero Honda FinLease Limited; the restructuring of our parent company Hero MotoCorp Limited, led to our present form as Hero FinCorp Limited. Today, we're present at close to 2000 retail financing touch-points across Hero MotoCorp's network, and have partnered with over 2000 satisfied corporate clients. Going forward, we plan to continuously expand our offerings and geographic presence, whilst offering class leading financial services to all sections of our society.

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Fundamental


Company Name :
Hero FinCorp Limited
Scrip Name :
Hero Fincorp
ISIN No. :
INE957N01016
No. of Outstanding Shares :
127,412,759
PAN No. :
AAACH0157J
Face Value :
₹10.00
EPS :
₹8.63
PE ratio :
149.49
P/S Ratio :
1.66
Market Capitalization :
₹16,436.25 Crore
Book value :
₹451.53
P/BV :
2.86
52 Week High :
₹ 2,060.00 (22/10/24)
52 Week Low :
₹ 1,240.00 (15/03/25)
Lifetime High :
₹ 2,150.00 (30/05/24)
Lifetime Low :
₹ 680.00 (23/12/22)
DRHP Filed ?
No
Available on :
NSDL and CDSL
ROFR Require :
No
Sector :
Financial Service
CIN :
U74899DL1991PLC046774
Registration Date :
16/12/1981

Balance Sheet (RS in Crore)

Particulars 2025 2024
Financial Assets
Cash and cash equivalents 1,964.60 98.78
Bank balance other than cash and cash equivalents 67.4 59.07
Derivative financial instruments 114.91 133.72
Trade receivables 27.4 10.07
Loans 53,815.30 49,880.47
Investments 2,556.14 1,895.96
Other financial assets 355.28 186.86
Non-Financial Assets
Current tax assets 165.65 155.54
Deferred tax assets 463.53 369.02
Property, plant and equipment 172.19 181
Capital work in progress 1.55 -
Right-of-use assets 112.47 118.27
Intangible assets under development 18.15 0.75
Other intangible assets 73.66 27.17
Other non-financial assets 134.16 87.98
Total Assets 60,042.39 53,204.66
Financial Liabilities
Trade payables 4.91 0.73
Total outstanding dues of creditors other than above 527.24 438.27
Debt securities 7,174.74 6,703.72
Borrowings (other than debt securities) 40,782.99 35,840.39
Subordinated liabilities 4,996.91 3,625.37
Lease liabilities 123.87 127.24
Other financial liabilities 498.92 511.33
Non-Financial Liabilities
Current tax liabilities 10.05 40.85
Deferred tax liabilities 5.05 -
Provisions 75.68 69.86
Other non-financial liabilities 81.27 74.87
Equity
Equity share capital 127.41 127.31
Other equity 5,625.74 5,638.66
Non-controlling interests 7.61 6.06
Total Liabilities and Equity 60,042.39 53,204.66

Profit & Loss Statement (RS in Crore)

Particulars 2025 2024
Income
Interest income 8588.67 7479.38
Dividend income 0.02 0.71
Profit on sale of investments 44.62 64.7
Gain on derecognition of financial instruments 134.82 21.28
Insurance commission 185.53 113.99
Other charges 879.07 610.84
Other income 70.6 68.82
Total income 9903.33 8359.72
Expenses
Finance costs 3827.71 3097.36
Net loss on fair value changes 302.8 338.52
Impairment on financial instruments 2884.09 1722.39
Employee benefits expenses 729.84 692.71
Depreciation and amortization 95.97 65.96
Other expenses 1806.83 1482.23
Total expenses 9647.24 7399.17
Profit before tax 256.09 960.55
Current tax 226.45 307.46
Deferred tax charge -80.31 18.04
Profit/(loss) after tax 109.95 637.05
Other comprehensive income/(loss)
Remeasurement of gains/(losses) on defined benefit plans 6.19 -1.43
Income tax relating to items that will not be reclassified to profit/loss -1.56 0.44
Cash flow hedge reserve -42.33 -33.38
Income tax relating to items that may be reclassified to profit or loss 10.71 8.46
Other comprehensive loss for the year, net of tax -26.99 -25.91
Total comprehensive income for the year, net of tax 82.96 611.14
Profit/(loss) for the period/year attributable to
Owners of the Company 109.49 636.78
Non-controlling interests 0.46 0.27
Other comprehensive income/(loss) for the period/year, net of tax
Owners of the Company -26.98 -25.91
Non-controlling interests -0.01 0
Total comprehensive income/(loss) for the period/year, net of tax
Owners of the Company 82.51 610.86
Non-controlling interests 0.45 0.28
Earnings per equity share
Basic 8.63 0.04
Diluted 8.62 49.94

Cash Flow Statement (RS in Crore)

Particulars 2025 2024
Cash flow from operating activities Profit before tax 256.09 960.55
Adjustments for:
Interest income -8587.01 -7477.66
Interest on income tax refund -5.36 -
Finance costs 3827.73 3097.36
Depreciation and amortization 95.97 65.96
Impairment on financial instruments 2884.1 1722.4
Dividend income from investments -0.02 -0.71
Discount on commercial paper - 11.15
Employee share-based payment expense 27.81 19.28
Net loss on sale of property, plant and equipment 1.6 0.74
Net gain on modification of lease -3.75 -
Gain on derecognition of financial instruments -134.82 -21.28
Net loss on fair value changes 302.8 338.52
Profit on sale of investments -44.62 -64.7
Cash inflow from interest on loans 8264.1 7218.91
Cash inflow from interest on fixed deposits 12.31 8.93
Cash outflow towards finance costs -3920.22 -2810.19
Operating profit before working capital changes 2976.71 3069.26
Increase in trade receivables -17.33 -8.77
Increase in loans -6606.29 -11580.68
Increase in bank balance other than cash and cash equivalents -6.98 -18.46
(Increase)/decrease in other financial assets -39.75 18.92
Increase in other non-financial assets -50.01 -16.54
Decrease in other financial liability -19.72 -395.06
Increase/(decrease) in trade payables 93.32 -54.38
Increase in other non-financial liabilities 6.39 8.88
Increase in provisions 12 13.78
Income tax paid -262 -275.78
Net cash used in operating activities -3913.66 -9238.83
Cash flows from investing activities
Purchase of property, plant and equipment and intangible assets -43.96 -142.65
Purchase of other intangible assets & assets under development -76.01 -18
Proceeds from sale of property, plant & equipment 4.09 4.28
Dividend received 0.02 0.71
Interest received on investments 114.05 114.14
Purchase of investments -12877.44 -14832.31
Sale of investments 12286.1 14744.04
Net cash used in investing activities -593.15 -129.79
Cash flows from financing activities
Proceeds from issue of equity shares 7.27 -
Proceeds from conversion of partly paid equity shares - 0.02
Proceeds from issue of equity shares of subsidiary to Non-controlling int. - 0.61
Share issue expenses paid - -0.25
Proceeds from issue of debt securities 9572.05 5349
Repayment of debt securities -8989.1 -5623.76
Proceeds from issue of borrowings 24671.56 23907.37
Repayment of borrowings -19744.5 -14785.74
Proceeds from issue of subordinated liabilities 1085 55.07
Repayment of lease liability -42.34 -34.61
Dividend paid on equity shares -127.31 -102.94
Dividend paid on compulsorily convertible preference shares -60 -47.51
Net cash generated from financing activities 6372.63 8717.26
Cash and cash equivalents at the beginning of the year 98.78 750.14
Cash and cash equivalents at the end of the year 1964.6 98.78

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