India Shelter Finance Corp. Ltd. (INDIASHLTR) AI Stock Analysis

• Market Cap: ₹96.66B
• Dividend Yield: 0.56%
• Average Volume (3M): 11.73K
• Price to Earnings (P/E): 23.2
• Beta (1Y): 0.56
• Revenue Growth: 36.66%
• EPS Growth: 39.33%
• Country: IN
• Employees: 3,323
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Mortgages
• EPS (TTM): 11.10
• Shares Outstanding: 108,226,100
• 10 Day Avg. Volume: 5,679
• 30 Day Avg. Volume: 11,735
• PEG Ratio: 0.71
• Price to Book (P/B): 3.34
• Price to Sales (P/S): 11.40
• P/FCF Ratio: -6.27
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹901.00
• Price Target Upside: 0.88% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 52 Neutral
• Price Target: ₹901.00 ▲(0.88% Upside)

The overall stock score is primarily influenced by the company's strong profitability and efficient operations. However, significant concerns arise from declining revenue growth, high leverage, and negative cash flow, which pose risks to financial stability. The technical analysis indicates a bearish trend, further impacting the score. Valuation is moderate, but the low dividend yield offers limited income potential.

India Shelter Finance Corp. Ltd. Business Overview & Revenue Model

Company Description

India Shelter Finance Corporation Limited, a housing finance company, provides home loans to low-middle income individuals in India. The company offers retail home loans, home equity loans, and loans against property. It also provides loans for home purchase, home improvements, home extension, and for construction of home. The company was formerly known as Satyaprakash Housing Finance India Limited and changed its name to India Shelter Finance Corporation Limited in March 2010. India Shelter Finance Corporation Limited was incorporated in 1998 and is based in Gurugram, India.

How the Company Makes Money

India Shelter Finance Corp. Ltd. generates revenue primarily through interest income from the loans it provides to customers. The company offers various loan products, including home loans and loans against property, which are typically repaid over several years, allowing for consistent interest earnings. Additionally, INDIASHLTR may earn income from fees and charges associated with loan processing and servicing. The company may engage in partnerships with housing developers, government programs, and financial institutions to expand its reach and access to capital, further enhancing its revenue potential. The growing demand for affordable housing in India, coupled with the company's targeted focus on this segment, positions INDIASHLTR to benefit from increasing loan disbursements and a larger customer base.

India Shelter Finance Corp. Ltd. Financial Statement Overview

Summary

India Shelter Finance Corp. Ltd. shows strong profitability with high profit margins and efficient operations. However, declining revenue growth, high leverage, and negative cash flow present significant risks to financial stability and liquidity.

Income Statement

The company has demonstrated strong profitability with a consistent gross profit margin of 100% in recent years. However, revenue growth has been volatile, with a significant decline of 12.6% in the latest year, following previous growth. Net profit margins have been healthy, averaging around 47.5% in the latest year, indicating effective cost management. The EBIT and EBITDA margins are also strong, suggesting efficient operations, though the recent revenue decline is a concern.

Balance Sheet

The balance sheet shows a high debt-to-equity ratio of 1.83, indicating significant leverage, which could pose risks in a volatile market. However, the return on equity is solid at 13.95%, reflecting effective use of equity to generate profits. The equity ratio is moderate, suggesting a balanced approach to financing assets, but the high leverage remains a potential risk.

Cash Flow

The cash flow statement reveals negative operating and free cash flows, which is concerning. The free cash flow to net income ratio is slightly above 1, indicating that free cash flow is just covering net income. However, the negative growth in free cash flow and the negative operating cash flow to net income ratio highlight potential liquidity issues that need addressing.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	9.75B	7.95B	5.54B	4.97B	3.71B	2.66B
Gross Profit	6.05B	7.95B	5.54B	1.71B	1.36B	1.05B
EBITDA	4.57B	8.56B	3.31B	2.12B	3.22B	2.24B
Net Income	3.78B	3.78B	2.48B	1.55B	1.28B	873.89M
Balance Sheet
Total Assets	77.48B	77.48B	57.94B	42.96B	32.21B	24.63B
Cash, Cash Equivalents and Short-Term Investments	3.43B	3.43B	3.92B	5.17B	2.92B	3.79B
Total Debt	49.69B	49.69B	34.15B	29.89B	20.70B	14.91B
Total Liabilities	50.39B	50.39B	34.96B	30.55B	21.45B	15.25B
Stockholders Equity	27.09B	27.09B	22.99B	12.41B	10.76B	9.37B
Cash Flow
Free Cash Flow	0.00	-14.44B	-12.39B	-8.59B	-5.00B	-4.23B
Operating Cash Flow	0.00	-14.35B	-12.32B	-8.52B	-4.95B	-4.21B
Investing Cash Flow	0.00	-613.77M	-2.36B	1.62B	-1.86B	766.42M
Financing Cash Flow	0.00	15.66B	12.20B	9.07B	5.92B	5.60B

India Shelter Finance Corp. Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 893.10
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:INDIASHLTR, the sentiment is Positive. The current price of 893.1 is below the 20-day moving average (MA) of 904.01, below the 50-day MA of 922.35, and above the 200-day MA of 808.72, indicating a neutral trend. The MACD of -7.70 indicates Positive momentum. The RSI at 50.25 is Neutral, neither overbought nor oversold. The STOCH value of 63.90 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:INDIASHLTR.

India Shelter Finance Corp. Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CANFINHOME	72 Outperform	103.86B	11.78	16.91%	1.55%	9.28%	14.93%
SHAREINDIA	67 Neutral	31.62B	9.97	14.04%	0.87%	-14.58%	-43.34%
REPCOHOME	61 Neutral	23.85B	5.14	13.47%	1.74%	9.72%	7.08%
PAISALO	60 Neutral	35.50B	17.21	13.04%	0.25%	13.28%	-6.07%
CGCL	56 Neutral	181.99B	27.30	11.12%	0.11%	39.82%	96.14%
INDIASHLTR	52 Neutral	₹96.66B	23.21		0.56%	36.66%	39.33%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

India Shelter Finance Corp. Ltd. Corporate Events

India Shelter Finance Corp. Successfully Concludes 27th AGM with Key Resolutions Passed

India Shelter Finance Corporation Limited conducted its 27th Annual General Meeting on July 28, 2025, via video conferencing, where all proposed resolutions were passed with the requisite majority. The meeting, which lasted just under an hour, included the adoption of the audited financial statements for the fiscal year ending March 31, 2025. The voting results and scrutinizer’s report have been made available on the company’s website, reflecting a transparent approach to shareholder engagement.

India Shelter Finance Releases 2024-2025 Sustainability Report

India Shelter Finance Corporation Limited has released its Business Responsibility and Sustainability Report for the financial year 2024-2025, emphasizing its commitment to ethical, environmental, and social responsibility. The report outlines the company’s dedication to transparency and accountability, highlighting key initiatives and accomplishments in corporate responsibility and sustainability. By fostering an inclusive and sustainable ecosystem, India Shelter aims to deliver long-term value through innovative, customer-centric solutions, enhancing its role as a dependable partner for stakeholders and contributing to economic development.