DSE : IFADAUTOS
IFAD Autos PLC. — Financial statements
Motor Vehicles And Motor Vehicle Parts And Supplies · Bangladesh
Last price 21.6 BDT (At close: Oct 29, 2026) · Market cap 5.79B
Latest research: IFAD Autos financial analysis: BDT 27.8bn receivables, 3x debt to equity, FY26 EPS BDT 0.45 (Oct 2026) · IFAD Autos: a BDT 27.8bn instalment book funded by BDT 29.7bn of bank lines; FY2026 EPS back to BDT 0.45 after three loss years
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Financial statements
IFAD Autos PLC. (IFADAUTOS) reported revenue of 10.55B BDT (TTM). Five years of income statement, balance sheet, cash flow and ratios below.
Income statement
Fiscal year July - June; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Revenue | 10.55B | 8.92B | 7.48B | 9.04B | 9.49B | 8.66B |
| Cost of Revenue | 9.37B | 7.80B | 6.39B | 7.60B | 7.82B | 7.07B |
| Gross Profit | 1.19B | 1.12B | 1.10B | 1.44B | 1.67B | 1.59B |
| Selling, General & Admin | 757.83M | 643.07M | 633.17M | 634.08M | 625.79M | 610.87M |
| Operating Expenses | 757.83M | 643.07M | 633.17M | 634.08M | 625.79M | 610.87M |
| Operating Income | 429.17M | 477.48M | 462.20M | 805.35M | 1.04B | 980.97M |
| Interest Expense | -565.74M | -489.62M | -386.93M | -276.60M | -250.08M | -313.25M |
| Interest & Investment Income | 188.04M | 135.81M | 98.09M | 90.87M | 85.11M | 105.42M |
| Earnings From Equity Investments | 107.42M | 100.77M | 126.43M | 98.66M | 98.34M | 35.60M |
| Currency Exchange Gain (Loss) | -12.72M | -84.65M | -196.51M | -608.50M | -247.05M | -506.35K |
| Other Non Operating Income (Expenses) | 3.72M | -4.60M | -28.07M | -21.65M | -10.29M | -2.52M |
| EBT Excluding Unusual Items | 149.89M | 135.20M | 75.21M | 88.13M | 717.16M | 805.71M |
| Gain (Loss) on Sale of Investments | 1.29M | -29.21M | -63.50M | -16.57M | -42.55M | 6.21M |
| Gain (Loss) on Sale of Assets | -981.29K | 512.76K | -892.50K | -41.74M | -5.76M | 10.17M |
| Other Unusual Items | 1.44M | 1.44M | 1.70M | 446.22K | 222.64K | 720.16K |
| Pretax Income | 151.63M | 107.95M | 12.52M | 30.26M | 669.07M | 822.80M |
| Income Tax Expense | 237.99M | 181.15M | 177.06M | 184.01M | 255.07M | 271.62M |
| Net Income | -86.36M | -73.20M | -164.55M | -153.75M | 414.00M | 551.18M |
| Net Income to Common | -86.36M | -73.20M | -164.55M | -153.75M | 414.00M | 551.18M |
| Shares Outstanding (Basic) | 268.25M | 268.25M | 268.25M | 268.25M | 268.25M | 268.25M |
| Shares Outstanding (Diluted) | 268.25M | 268.25M | 268.25M | 268.25M | 268.25M | 268.25M |
| EPS (Basic) | -0.32 | -0.27 | -0.61 | -0.57 | 1.54 | 2.05 |
| EPS (Diluted) | -0.32 | -0.27 | -0.61 | -0.57 | 1.54 | 2.05 |
| Free Cash Flow | 1.23B | 679.64M | -515.81M | -836.22M | 815.19M | -416.44M |
| Free Cash Flow Per Share | 4.59 | 2.53 | -1.92 | -3.12 | 3.04 | -1.55 |
| Dividend Per Share | 0.20 | 0.20 | 0.10 | 0.99 | 0.47 | 1.04 |
| Gross Margin | 11.25% | 12.56% | 14.64% | 15.93% | 17.57% | 18.38% |
| Operating Margin | 4.07% | 5.35% | 6.18% | 8.91% | 10.97% | 11.32% |
| Profit Margin | -0.82% | -0.82% | -2.20% | -1.70% | 4.36% | 6.36% |
| Free Cash Flow Margin | 11.68% | 7.62% | -6.89% | -9.25% | 8.59% | -4.81% |
| EBITDA | 502.61M | 565.56M | 556.23M | 906.96M | 1.13B | 1.06B |
| EBITDA Margin | 4.76% | 6.34% | 7.43% | 10.04% | 11.96% | 12.21% |
| D&A For EBITDA | 73.43M | 88.08M | 94.03M | 101.61M | 93.45M | 76.56M |
| EBIT | 429.17M | 477.48M | 462.20M | 805.35M | 1.04B | 980.97M |
| EBIT Margin | 4.07% | 5.35% | 6.18% | 8.91% | 10.97% | 11.32% |
| Effective Tax Rate | 156.95% | 167.82% | 1,414.76% | 608.16% | 38.12% | 33.01% |
| Advertising Expenses | 1.85M | 3.36M | 3.35M | 2.81M | 5.35M |
Balance sheet
Fiscal year July - June; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 1.56B | 1.44B | 1.15B | 1.30B | 1.94B | 2.23B |
| Short-Term Investments | 839.75M | 832.30M | 845.90M | 655.44M | 709.54M | 847.84M |
| Trading Asset Securities | 70.66M | 72.71M | 139.37M | 210.79M | 220.27M | |
| Cash & Short-Term Investments | 2.47B | 2.35B | 2.14B | 2.16B | 2.87B | 3.08B |
| Accounts Receivable | 28.55B | 27.70B | 27.90B | 27.58B | 26.31B | 26.23B |
| Other Receivables | 139.24M | 110.29M | 95.99M | 32.50M | 30.36M | 33.49M |
| Receivables | 28.69B | 27.81B | 27.99B | 27.61B | 26.34B | 26.26B |
| Inventory | 1.20B | 2.20B | 2.44B | 2.81B | 2.18B | 1.54B |
| Other Current Assets | 3.02B | 2.73B | 2.89B | 2.52B | 1.92B | 1.77B |
| Total Current Assets | 35.37B | 35.08B | 35.46B | 35.10B | 33.32B | 32.64B |
| Property, Plant & Equipment | 4.18B | 4.24B | 4.30B | 4.40B | 4.53B | 4.22B |
| Long-Term Investments | 1.93B | 1.86B | 1.76B | 1.23B | 1.13B | 233.57M |
| Other Long-Term Assets | 17.19M | 17.19M | 17.19M | 17.19M | 17.19M | |
| Total Assets | 41.50B | 41.19B | 41.53B | 40.75B | 38.99B | 37.09B |
| Accounts Payable | 121.58M | 90.11M | 127.57M | 106.76M | 99.09M | 1.36B |
| Accrued Expenses | 64.82M | 57.76M | 50.83M | 50.61M | 82.58M | 101.04M |
| Short-Term Debt | 4.59B | 6.69B | 6.85B | 5.63B | 8.08B | 5.27B |
| Current Portion of Long-Term Debt | 279.04M | 121.95M | 146.92M | 168.36M | 207.99M | 208.87M |
| Current Portion of Leases | 1.36B | 1.79B | 7.82B | 7.42B | 5.89B | 5.91B |
| Current Income Taxes Payable | 1.34B | 1.19B | 1.03B | 874.41M | 702.50M | 856.00M |
| Current Unearned Revenue | 795.03K | 1.02M | 911.95K | 2.06M | 2.88M | 1.62M |
| Other Current Liabilities | 421.62M | 298.55M | 828.39M | 1.44B | 71.44M | 49.77M |
| Total Current Liabilities | 8.18B | 10.23B | 16.85B | 15.70B | 15.13B | 13.76B |
| Long-Term Debt | 683.54M | 814.36M | 924.76M | 633.64M | 648.61M | 547.29M |
| Long-Term Leases | 22.65B | 20.25B | 13.78B | 14.04B | 12.56B | 12.27B |
| Long-Term Deferred Tax Liabilities | 360.22M | 343.43M | 321.04M | 297.78M | 175.87M | 171.75M |
| Other Long-Term Liabilities | 14.11M | 13.81M | 13.21M | 12.41M | 12.51M | 12.11M |
| Total Liabilities | 31.90B | 31.65B | 31.89B | 30.68B | 28.53B | 26.77B |
| Common Stock | 2.68B | 2.68B | 2.66B | 2.66B | 2.53B | 2.53B |
| Additional Paid-In Capital | 990.80M | 990.80M | 990.80M | 990.80M | 990.80M | 990.80M |
| Retained Earnings | 5.08B | 5.02B | 5.15B | 5.57B | 5.91B | 5.77B |
| Comprehensive Income & Other | 844.13M | 844.13M | 844.13M | 848.59M | 1.03B | 1.03B |
| Shareholders' Equity | 9.60B | 9.54B | 9.64B | 10.07B | 10.46B | 10.32B |
| Total Liabilities & Equity | 41.50B | 41.19B | 41.53B | 40.75B | 38.99B | 37.09B |
| Total Debt | 29.57B | 29.66B | 29.52B | 27.90B | 27.39B | 24.22B |
| Net Cash (Debt) | -27.10B | -27.31B | -27.39B | -25.73B | -24.51B | -21.14B |
| Net Cash Per Share | -101.01 | -101.81 | -102.09 | -95.93 | -91.39 | -78.80 |
| Filing Date Shares Outstanding | 268.25M | 268.25M | 268.25M | 268.25M | 268.25M | 268.25M |
| Total Common Shares Outstanding | 268.25M | 268.25M | 268.25M | 268.25M | 268.25M | 268.25M |
| Working Capital | 27.19B | 24.85B | 18.61B | 19.41B | 18.18B | 18.88B |
| Book Value Per Share | 35.79 | 35.56 | 35.93 | 37.54 | 38.99 | 38.48 |
| Tangible Book Value | 9.60B | 9.54B | 9.64B | 10.07B | 10.46B | 10.32B |
| Tangible Book Value Per Share | 35.79 | 35.56 | 35.93 | 37.54 | 38.99 | 38.48 |
| Land | 2.51B | 2.51B | 2.49B | 2.50B | 2.60B | 2.46B |
| Buildings | 1.49B | 1.49B | 1.49B | 1.49B | 1.59B | 1.48B |
| Machinery | 769.35M | 767.13M | 761.01M | 768.34M | 720.64M | 597.36M |
| Construction In Progress | 5.47M | 34.60M |
Cash flow statement
Fiscal year July - June; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -86.36M | -73.20M | -164.55M | -153.75M | 414.00M | 551.18M |
| Depreciation & Amortization | 98.54M | 102.61M | 109.52M | 116.54M | 100.50M | 82.99M |
| Loss (Gain) From Sale of Assets | 981.29K | -512.76K | 892.50K | 41.74M | 5.76M | -10.17M |
| Loss (Gain) From Sale of Investments | -1.29M | 29.21M | 63.50M | 16.57M | 42.55M | -6.21M |
| Loss (Gain) on Equity Investments | -107.42M | -100.77M | -126.43M | -98.66M | -98.34M | -35.60M |
| Provision & Write-off of Bad Debts | 14.54M | -99.04K | 159.26K | 633.50K | 42.74K | 913.27K |
| Other Operating Activities | 412.88M | 262.08M | 378.04M | 50.10M | 351.72M | -14.65M |
| Change in Accounts Receivable | -547.13M | 183.79M | -382.02M | -1.27B | -82.35M | -1.80B |
| Change in Inventory | 1.38B | 243.26M | 374.02M | -635.00M | -640.26M | 271.60M |
| Change in Accounts Payable | -218.16M | -475.13M | -633.08M | 1.45B | 1.44B | 1.32B |
| Change in Unearned Revenue | -292.42K | 105.50K | -1.15M | -818.65K | 1.26M | 586.00K |
| Change in Other Net Operating Assets | 295.92M | 510.76M | -100.72M | -253.36M | -318.45M | -242.90M |
| Operating Cash Flow | 1.24B | 682.08M | -481.81M | -733.26M | 1.22B | 110.07M |
| Capital Expenditures | -5.22M | -2.45M | -34.01M | -102.96M | -403.38M | -526.51M |
| Sale of Property, Plant & Equipment | 2.40M | 2.15M | 22.79M | 167.51M | 8.00M | 34.26M |
| Investment in Securities | 289.23M | 51.05M | -582.54M | 47.00M | -924.52M | 189.55M |
| Other Investing Activities | 18.12M | 874.16K | 2.10M | 3.38M | 55.38M | 2.59M |
| Investing Cash Flow | 304.54M | 51.63M | -591.65M | 114.92M | -1.26B | -300.12M |
| Short-Term Debt Issued | 1.26B | 215.38M | 350.00M | |||
| Long-Term Debt Issued | 392.23M | 523.18M | 2.91B | 348.60M | 2.05B | |
| Total Debt Issued | 2.05B | 392.23M | 1.78B | 2.91B | 563.98M | 2.40B |
| Short-Term Debt Repaid | -168.06M | -35.00M | -2.45B | -255.00M | -856.72M | |
| Long-Term Debt Repaid | -134.57M | -143.91M | -54.59M | -130.56M | ||
| Total Debt Repaid | -2.34B | -302.63M | -178.91M | -2.50B | -255.00M | -987.28M |
| Net Debt Issued (Repaid) | -289.67M | 89.60M | 1.60B | 408.60M | 308.98M | 1.41B |
| Common Dividends Paid | -24.46M | -27.91M | -264.73M | -126.73M | -279.55M | -82.54M |
| Other Financing Activities | -576.79M | -505.12M | -409.97M | -307.28M | -270.59M | |
| Financing Cash Flow | -890.93M | -443.43M | 927.20M | -25.41M | -241.16M | 1.33B |
| Miscellaneous Cash Flow Adjustments | -2.00 | -1.00 | -1.00 | -1.00 | ||
| Net Cash Flow | 651.49M | 290.29M | -146.26M | -643.74M | -287.11M | 1.14B |
| Free Cash Flow | 1.23B | 679.64M | -515.81M | -836.22M | 815.19M | -416.44M |
| Free Cash Flow Margin | 11.68% | 7.62% | -6.89% | -9.25% | 8.59% | -4.81% |
| Free Cash Flow Per Share | 4.59 | 2.53 | -1.92 | -3.12 | 3.04 | -1.55 |
| Levered Free Cash Flow | 754.06M | 286.05M | -701.40M | -635.08M | -2.10B | -475.62M |
| Unlevered Free Cash Flow | 1.11B | 592.06M | -459.57M | -462.20M | -1.95B | -279.84M |
| Cash Interest Paid | 71.67M | |||||
| Cash Income Tax Paid | 360.66M | 331.70M | 260.76M | 363.55M | 334.91M | 283.69M |
| Change in Working Capital | 906.01M | 462.78M | -742.95M | -706.43M | 402.34M | -458.39M |
Ratios
Fiscal year July - June; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 5.79B | 5.90B | 7.38B | 11.71B | 12.77B | 12.77B |
| Enterprise Value | 32.89B | 33.64B | 33.79B | 37.17B | 34.63B | 34.31B |
| Last Close Price | 21.60 | 21.78 | 27.13 | 42.06 | 45.37 | 44.37 |
| PE Ratio | 30.86 | 23.18 | ||||
| Forward PE | 11.98 | 11.98 | 11.98 | 11.98 | 11.98 | |
| PS Ratio | 0.55 | 0.66 | 0.99 | 1.30 | 1.35 | 1.48 |
| PB Ratio | 0.60 | 0.62 | 0.77 | 1.16 | 1.22 | 1.24 |
| P/TBV Ratio | 0.60 | 0.62 | 0.77 | 1.16 | 1.22 | 1.24 |
| P/FCF Ratio | 4.70 | 8.68 | 15.67 | |||
| P/OCF Ratio | 4.68 | 8.65 | 10.48 | 116.05 | ||
| EV/Sales Ratio | 3.12 | 3.77 | 4.52 | 4.11 | 3.65 | 3.96 |
| EV/EBITDA Ratio | 52.69 | 59.48 | 60.75 | 40.99 | 30.52 | 32.44 |
| EV/EBIT Ratio | 61.29 | 70.45 | 73.10 | 46.16 | 33.26 | 34.98 |
| EV/FCF Ratio | 26.68 | 49.50 | 42.48 | |||
| Debt / Equity Ratio | 3.08 | 3.11 | 3.06 | 2.77 | 2.62 | 2.35 |
| Debt / EBITDA Ratio | 57.21 | 51.13 | 51.64 | 30.26 | 23.99 | 22.76 |
| Debt / FCF Ratio | 23.99 | 43.64 | 33.59 | |||
| Net Debt / Equity Ratio | 2.82 | 2.86 | 2.84 | 2.56 | 2.34 | 2.05 |
| Net Debt / EBITDA Ratio | 53.91 | 48.29 | 49.24 | 28.37 | 21.61 | 19.99 |
| Net Debt / FCF Ratio | 21.98 | 40.18 | -53.09 | -30.77 | 30.07 | -50.76 |
| Asset Turnover | 0.25 | 0.22 | 0.18 | 0.23 | 0.25 | 0.24 |
| Inventory Turnover | 4.97 | 3.37 | 2.43 | 3.04 | 4.21 | 4.22 |
| Quick Ratio | 3.81 | 2.95 | 1.79 | 1.90 | 1.93 | 2.13 |
| Current Ratio | 4.32 | 3.43 | 2.10 | 2.24 | 2.20 | 2.37 |
| Return on Equity (ROE) | -0.89% | -0.76% | -1.67% | -1.50% | 3.98% | 5.46% |
| Return on Assets (ROA) | 0.64% | 0.72% | 0.70% | 1.26% | 1.71% | 1.73% |
| Return on Invested Capital (ROIC) | -0.67% | -0.88% | -16.69% | -11.56% | 1.94% | 2.12% |
| Return on Capital Employed (ROCE) | 1.30% | 1.50% | 1.90% | 3.20% | 4.40% | 4.20% |
| Earnings Yield | -1.49% | -1.24% | -2.23% | -1.31% | 3.24% | 4.32% |
| FCF Yield | 21.27% | 11.52% | -6.99% | -7.14% | 6.38% | -3.26% |
| Dividend Yield | 0.93% | 0.91% | 0.36% | 2.27% | 0.99% | 2.18% |
| Payout Ratio | 67.52% | 14.97% | ||||
| Buyback Yield / Dilution | 0.00% | |||||
| Total Shareholder Return | 0.93% | 0.91% | 0.36% | 2.27% | 0.99% | 2.18% |