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

• Market Cap: ₹92.99B
• Dividend Yield: 0.58%
• Average Volume (3M): 17.24K
• Price to Earnings (P/E): 20.7
• Beta (1Y): 0.56
• Revenue Growth: 35.30%
• EPS Growth: 41.06%
• Country: IN
• Employees: 3,323
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Mortgages
• EPS (TTM): 11.30
• Shares Outstanding: 108,597,015
• 10 Day Avg. Volume: 31,272
• 30 Day Avg. Volume: 17,240
• PEG Ratio: 0.71
• Price to Book (P/B): 3.34
• Price to Sales (P/S): 7.71
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 55 Neutral
• Price Target: ₹907.00 ▲(5.50% Upside)

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

Profitability

High profit margins indicate effective cost management and operational efficiency, which can support long-term financial stability and growth.

Market Position

Targeting the affordable housing segment positions the company to benefit from growing demand, expanding its customer base and revenue potential.

Revenue Generation

Consistent interest income from long-term loans provides a stable revenue stream, supporting sustained business operations and growth.

Negative Factors

Revenue Growth Decline

Declining revenue growth can impact future profitability and indicates potential challenges in maintaining market competitiveness.

High Leverage

High leverage increases financial risk, particularly in volatile markets, and can limit the company's ability to invest in growth opportunities.

Negative Cash Flow

Negative cash flow suggests potential liquidity issues, which could hinder the company's ability to fund operations and growth initiatives.

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

Company Description

India Shelter Finance Corporation Ltd. (INDIASHLTR) is a financial services company based in India, primarily focused on providing affordable housing finance solutions. The company operates in the housing finance sector, catering to the needs of low- and middle-income individuals seeking to purchase, construct, or renovate homes. INDIASHLTR offers a variety of financial products, including home loans, loan against property, and a range of tailored financial solutions designed to facilitate home ownership and enhance living conditions for its clients.

How the Company Makes Money

India Shelter Finance Corporation generates revenue primarily through the interest income from its housing finance loans. The company disburses loans to individuals and families, and the interest charged on these loans forms the core of its revenue stream. Additionally, the company may earn processing fees and other charges associated with loan origination and servicing. INDIASHLTR also benefits from partnerships with various financial institutions and government schemes aimed at promoting affordable housing, which can enhance its lending capacity and reduce borrowing costs. The growth of the affordable housing sector in India, along with favorable regulatory environments, contributes to its earnings potential.

India Shelter Finance Corp. Ltd. Financial Statement Overview

Summary

India Shelter Finance Corp. Ltd. shows strong profitability with high profit margins, but faces challenges with declining revenue growth and high leverage. The negative cash flow situation is a significant concern, suggesting potential liquidity issues that need to be managed to ensure long-term sustainability.

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 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	10.99B	9.99B	6.82B	4.97B	3.71B	2.66B
Gross Profit	5.01B	4.47B	2.40B	1.71B	1.36B	1.05B
EBITDA	5.54B	5.05B	3.31B	2.12B	1.74B	1.19B
Net Income	4.14B	3.78B	2.48B	1.55B	1.28B	873.89M
Balance Sheet
Total Assets	0.00	77.48B	57.94B	42.96B	32.21B	24.63B
Cash, Cash Equivalents and Short-Term Investments	0.00	3.43B	3.92B	5.17B	2.92B	4.14B
Total Debt	0.00	49.69B	34.15B	29.89B	20.70B	14.91B
Total Liabilities	-27.09B	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: Neutral
• Last Price: 859.70
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• 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 Neutral. The current price of 859.7 is below the 20-day moving average (MA) of 869.08, below the 50-day MA of 873.78, and below the 200-day MA of 869.43, indicating a bearish trend. The MACD of -5.99 indicates Positive momentum. The RSI at 46.71 is Neutral, neither overbought nor oversold. The STOCH value of 62.66 is Neutral, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CANFINHOME	73 Outperform	₹121.96B	13.24	―	1.31%	8.92%	12.32%
SHAREINDIA	69 Neutral	₹39.34B	14.15	―	0.64%	-25.37%	-48.56%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PAISALO	65 Neutral	₹34.04B	16.27	―	0.28%	11.75%	-6.52%
REPCOHOME	62 Neutral	₹24.53B	5.35	―	1.66%	8.10%	2.97%
INDIASHLTR	55 Neutral	₹92.99B	20.72	―	0.58%	35.30%	41.06%
CGCL	52 Neutral	₹174.15B	22.04	―	0.11%	43.41%	109.52%

India Shelter Finance Corp. Ltd. Corporate Events

India Shelter Finance Announces Investor Meetings in Gurgaon

India Shelter Finance Corporation Limited has announced a schedule for upcoming investor and analyst meetings to be held on September 25 and 26, 2025, in Gurgaon. These meetings, with Creaegis Capital and William Blair, aim to engage stakeholders and provide insights into the company’s operations and strategic direction. The company has made its investor presentation available on its website and will use publicly available documents for discussion, reflecting a commitment to transparency and stakeholder engagement.