India Shelter Finance Corp. Ltd. (IN:INDIASHLTR)
:INDIASHLTR
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India Shelter Finance Corp. Ltd.
(INDIASHLTR)
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Rating:66Neutral
Price Target:
₹901.00
▲(14.75% Upside)
Action:Reiterated
Date:05/09/26
The score is driven primarily by solid financial performance (strong growth and profitability, improving ROE) tempered by leverage and historically volatile cash flows. Technicals are supportive with price above key moving averages and positive momentum. Valuation is fair on earnings (P/E ~16) but only lightly supported by the low dividend yield.
Positive Factors
Secured retail housing loan franchise
A branch-led franchise focusing on secured home loans builds durable net interest income and lower loss severity than unsecured products. Physical distribution plus mortgage collateral supports steady origination flows and predictable servicing economics over multiple cycles.
Negative Factors
Elevated leverage and funding sensitivity
High debt-to-equity amplifies refinancing and liquidity risk for a mortgage lender. Reliance on borrowed funds makes margins and growth highly sensitive to interest-rate moves and wholesale funding availability, constraining flexibility in stressed markets or tighter credit conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Secured retail housing loan franchise
A branch-led franchise focusing on secured home loans builds durable net interest income and lower loss severity than unsecured products. Physical distribution plus mortgage collateral supports steady origination flows and predictable servicing economics over multiple cycles.
Read all positive factors
India Shelter Finance Corp. Ltd. (INDIASHLTR) vs. iShares MSCI India ETF (INDA)
Market Cap
₹85.41B
Dividend Yield0.6%
Average Volume (3M)17.24K
Price to Earnings (P/E)16.2
Beta (1Y)0.42
Revenue Growth29.99%
EPS Growth32.10%
CountryIN
Employees3,323
SectorFinancial
Sector Strength70
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)41.33
Shares Outstanding108,785,095
10 Day Avg. Volume31,272
30 Day Avg. Volume17,240
Financial Highlights & Ratios
PEG Ratio0.51
Price to Book (P/B)2.56
Price to Sales (P/S)5.35
P/FCF Ratio13.83
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)55.59
Revenue Forecast (FY)₹13.21B
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
78
Positive
Balance Sheet
63
Positive
Cash Flow
44
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 12.15B | 15.29B | 9.99B | 6.82B | 4.97B | 3.71B |
| Gross Profit | 6.43B | 10.59B | 4.47B | 2.40B | 1.71B | 1.36B |
| EBITDA | 6.28B | 6.66B | 5.05B | 3.31B | 2.12B | 1.74B |
| Net Income | 4.46B | 5.03B | 3.78B | 2.48B | 1.55B | 1.28B |
Balance Sheet | ||||||
| Total Assets | 85.80B | 96.15B | 77.48B | 57.94B | 42.96B | 32.21B |
| Cash, Cash Equivalents and Short-Term Investments | 1.94B | 3.05B | 3.43B | 3.92B | 5.17B | 2.92B |
| Total Debt | 54.92B | 62.46B | 49.69B | 34.15B | 29.89B | 20.70B |
| Total Liabilities | 56.65B | 64.17B | 50.39B | 34.96B | 30.55B | 21.45B |
| Stockholders Equity | 29.15B | 31.98B | 27.09B | 22.99B | 12.41B | 10.76B |
Cash Flow | ||||||
| Free Cash Flow | -4.85B | 5.91B | -14.44B | -12.39B | -8.59B | -5.00B |
| Operating Cash Flow | -4.77B | 6.02B | -14.35B | -12.32B | -8.52B | -4.95B |
| Investing Cash Flow | -1.79B | -18.93B | -613.77M | -2.36B | 1.62B | -1.86B |
| Financing Cash Flow | 4.80B | 12.38B | 15.66B | 12.20B | 9.07B | 5.92B |
India Shelter Finance Corp. Ltd. Technical Analysis
Negative
785.20
Price Trends
776.92
Positive
771.22
Positive
827.67
Negative
Market Momentum
-0.80
Positive
41.12
Neutral
23.95
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:INDIASHLTR, the sentiment is Negative. The current price of 785.2 is below the 20-day moving average (MA) of 815.10, above the 50-day MA of 776.92, and below the 200-day MA of 827.67, indicating a neutral trend. The MACD of -0.80 indicates Positive momentum. The RSI at 41.12 is Neutral, neither overbought nor oversold. The STOCH value of 23.95 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 | ₹110.90B | 13.03 | ― | ― | ― | ― | |
71 Outperform | ₹130.29B | 10.33 | ― | 1.60% | 24.47% | 25.35% | |
70 Outperform | ₹113.41B | 7.63 | ― | 1.37% | 8.73% | 26.67% | |
69 Neutral | ₹111.00B | 17.28 | ― | 0.33% | 24.92% | 22.21% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₹85.41B | 16.24 | ― | 0.60% | 29.99% | 32.10% | |
63 Neutral | ₹24.26B | 4.79 | ― | 1.61% | 5.45% | 1.41% |
* Financial Sector Average
IN:INDIASHLTR
India Shelter Finance Corp. Ltd.
779.70
-82.45
-9.56%
IN:AAVAS
Aavas Financiers Ltd.
1,374.80
-389.55
-22.08%
IN:APTUS
Aptus Value Housing Finance India Limited
262.30
-76.10
-22.49%
IN:CANFINHOME
Can Fin Homes Ltd.
838.35
94.10
12.64%
IN:HOMEFIRST
Home First Finance Company India Ltd.
1,079.80
-92.46
-7.89%
IN:REPCOHOME
Repco Home Finance Ltd.
396.20
11.50
2.99%
India Shelter Finance Corp. Ltd. Corporate Events
India Shelter Finance clears FY26 results, proposes 200% final dividend
May 2, 2026
India Shelter Finance Corporation Limited’s board has approved the audited standalone and consolidated financial results for the quarter and full year ended March 31, 2026, along with related regulatory disclosures. These include an unmodifi...
India Shelter Finance clears FY26 results, proposes Rs 10 final dividend
May 2, 2026
India Shelter Finance Corporation Limited’s board has approved the audited standalone and consolidated financial results for the quarter and full year ended March 31, 2026, along with related regulatory disclosures and certificates. The resu...
India Shelter Finance Allots 6,400 Shares on ESOP Exercise, Marginally Raises Capital Base
May 1, 2026
India Shelter Finance Corporation Limited has approved the allotment of 6,400 equity shares with a face value of Rs. 5 each following the exercise of employee stock options under its 2021 and 2023 ESOP schemes. The issuance, split between 2,400 sh...
India Shelter Finance Grants 284,700 ESOP Options Under 2023 Scheme
May 1, 2026
India Shelter Finance Corporation Limited has granted 284,700 stock options with a face value of Rs. 5 each to eligible employees under its Employee Stock Option Scheme 2023, as approved by the Nomination and Remuneration Committee on May 1, 2026....
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...
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.