India Shelter Finance Corp. Ltd. (IN:INDIASHLTR)
:INDIASHLTR
Top Page
India Shelter Finance Corp. Ltd.
(INDIASHLTR)
Select Model
Select Model
Rating:55Neutral
Price Target:
₹779.00
▼(-0.79% Downside)
Action:ReiteratedDate:11/01/25
The overall stock score reflects strong profitability and efficient operations, but is weighed down by declining revenue growth, high leverage, and negative cash flow, which pose significant risks. The technical indicators suggest a neutral trend, and the valuation appears fair, but the low dividend yield limits income potential.
Positive Factors
High Profit Margins
Very high reported gross and net margins indicate the company operates with strong pricing power and cost control in its core lending business. Durable margins can buffer credit volatility and support internal capital generation, helping fund growth and returns over the medium term.
Negative Factors
High Leverage
A D/E of 1.83 leaves the business sensitive to interest-rate moves and refinancing cycles; it raises funding and solvency risk during stress. High leverage constrains flexibility to grow the loan book or absorb losses without raising costly external capital, affecting long-term stability.
Read all positive and negative factors
Positive Factors
Negative Factors
High Profit Margins
Very high reported gross and net margins indicate the company operates with strong pricing power and cost control in its core lending business. Durable margins can buffer credit volatility and support internal capital generation, helping fund growth and returns over the medium term.
Read all positive factors
India Shelter Finance Corp. Ltd. (INDIASHLTR) vs. iShares MSCI India ETF (INDA)
Market Cap
₹82.66B
Dividend Yield0.6%
Average Volume (3M)17.24K
Price to Earnings (P/E)17.6
Beta (1Y)0.39
Revenue Growth35.30%
EPS Growth41.06%
CountryIN
Employees3,323
SectorFinancial
Sector Strength70
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)44.20
Shares Outstanding108,758,446
10 Day Avg. Volume31,272
30 Day Avg. Volume17,240
Financial Highlights & Ratios
PEG Ratio0.71
Price to Book (P/B)3.34
Price to Sales (P/S)9.07
P/FCF Ratio-6.27
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)55.56
Revenue Forecast (FY)₹13.26B
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 ho...
How the Company Makes Money
India Shelter Finance Corp. Ltd. primarily makes money through net interest income earned on its loan portfolio. It raises funds (liabilities) via borrowings and other funding sources at a cost of funds and lends these funds to customers as secure...
India Shelter Finance Corp. Ltd. Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
55
Neutral
Cash Flow
40
Negative
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 12.15B | 9.99B | 6.82B | 4.97B | 3.71B | 2.66B |
| Gross Profit | 6.43B | 4.47B | 2.40B | 1.71B | 1.36B | 1.05B |
| EBITDA | 6.28B | 5.05B | 3.31B | 2.12B | 1.74B | 1.19B |
| Net Income | 4.46B | 3.78B | 2.48B | 1.55B | 1.28B | 873.89M |
Balance Sheet | ||||||
| Total Assets | 85.80B | 77.48B | 57.94B | 42.96B | 32.21B | 24.63B |
| Cash, Cash Equivalents and Short-Term Investments | 1.94B | 3.43B | 3.92B | 5.17B | 2.92B | 4.14B |
| Total Debt | 54.92B | 49.69B | 34.15B | 29.89B | 20.70B | 14.91B |
| Total Liabilities | 56.65B | 50.39B | 34.96B | 30.55B | 21.45B | 15.25B |
| Stockholders Equity | 29.15B | 27.09B | 22.99B | 12.41B | 10.76B | 9.37B |
Cash Flow | ||||||
| Free Cash Flow | -4.85B | -14.44B | -12.39B | -8.59B | -5.00B | -4.23B |
| Operating Cash Flow | -4.77B | -14.35B | -12.32B | -8.52B | -4.95B | -4.21B |
| Investing Cash Flow | -1.79B | -613.77M | -2.36B | 1.62B | -1.86B | 766.42M |
| Financing Cash Flow | 4.80B | 15.66B | 12.20B | 9.07B | 5.92B | 5.60B |
India Shelter Finance Corp. Ltd. Technical Analysis
Neutral
785.20
Price Trends
738.20
Positive
788.58
Negative
844.28
Negative
Market Momentum
8.59
Negative
55.63
Neutral
81.73
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:INDIASHLTR, the sentiment is Neutral. The current price of 785.2 is above the 20-day moving average (MA) of 718.90, above the 50-day MA of 738.20, and below the 200-day MA of 844.28, indicating a neutral trend. The MACD of 8.59 indicates Negative momentum. The RSI at 55.63 is Neutral, neither overbought nor oversold. The STOCH value of 81.73 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:INDIASHLTR.
India Shelter Finance Corp. Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ₹111.22B | 11.69 | ― | 1.37% | 8.92% | 12.32% | |
68 Neutral | ₹30.60B | 10.29 | ― | 0.68% | -25.37% | -48.56% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ₹34.73B | 12.44 | ― | 0.29% | 11.75% | -6.52% | |
62 Neutral | ₹24.35B | 5.62 | ― | 1.61% | 8.10% | 2.97% | |
55 Neutral | ₹82.66B | 17.57 | ― | 0.60% | 35.30% | 41.06% | |
52 Neutral | ₹172.32B | 17.22 | ― | 0.11% | 43.41% | 109.52% |
* Financial Sector Average
IN:INDIASHLTR
India Shelter Finance Corp. Ltd.
760.00
-68.40
-8.26%
IN:CANFINHOME
Can Fin Homes Ltd.
835.25
188.52
29.15%
IN:CGCL
Capri Global Capital Limited
179.10
25.21
16.38%
IN:PAISALO
Paisalo Digital Ltd.
38.18
6.68
21.21%
IN:REPCOHOME
Repco Home Finance Ltd.
389.15
47.00
13.74%
IN:SHAREINDIA
Share India Securities Ltd
139.85
-6.13
-4.20%
India Shelter Finance Corp. Ltd. Corporate Events
India Shelter Finance Allots 20,250 Equity Shares Under ESOP Schemes
Apr 8, 2026
India Shelter Finance Corporation Limited has allotted 20,250 equity shares with a face value of Rs. 5 each following the exercise of employee stock options under its 2021 and 2023 ESOP schemes. As a result, the company’s paid-up share capit...
India Shelter Finance Allots 42,700 Shares on ESOP Exercise, Marginally Ups Equity Base
Mar 13, 2026
India Shelter Finance Corporation Limited has allotted 42,700 equity shares with a face value of Rs. 5 each following the exercise of vested employee stock options under its 2021 and 2023 ESOP schemes. The company’s paid-up share capital has...
India Shelter Finance Retains IND AA- Rating on Expanded Bank Facilities
Mar 9, 2026
India Shelter Finance Corporation Limited announced that India Ratings and Research has affirmed an IND AA-/Stable rating on existing bank loan facilities of Rs 10,000 million and assigned the same rating and outlook to an additional Rs 10,000 mil...
India Shelter Finance Unveils Q3 and Nine-Month FY26 Investor Presentation
Feb 7, 2026
India Shelter Finance Corporation Limited has released an investor presentation detailing its unaudited financial results for the quarter and nine months ended December 31, 2025, in compliance with Regulation 30 of SEBI’s Listing Obligations...
India Shelter Finance Grants 562,386 Stock Options Under ESOP 2025
Feb 7, 2026
India Shelter Finance Corporation Limited has granted 562,386 stock options with a face value of Rs 5 each to eligible employees under its Employee Stock Option Scheme 2025, as approved by the company’s Nomination and Remuneration Committee ...
India Shelter Finance Clears Q3 FY25 Results, Okays Rs 1,000-Crore NCD Issue and Promoter Reclassification
Feb 7, 2026
India Shelter Finance Corporation Limited’s board has approved the unaudited standalone and consolidated financial results for the quarter and nine months ended 31 December 2025, along with associated regulatory disclosures, including securi...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.