Intellect Design Arena Ltd (IN:INTELLECT)
:INTELLECT
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Intellect Design Arena Ltd
(INTELLECT)
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Rating:63Neutral
Price Target:
₹744.00
▼(-22.45% Downside)
Action:Reiterated
Date:05/10/26
The score is driven primarily by solid underlying financial resilience (notably a strong, low-leverage balance sheet) but weighed down by a sharp margin decline and only moderate/volatile cash conversion. Technicals are supportive in the near term but look overbought, and the high P/E with a low dividend yield further limits the score.
Positive Factors
Conservative balance sheet
Consistently very low leverage and steady equity growth give the company durable financial flexibility; this supports funding multi-year deals, absorbing cyclical tech spend, and pursuing strategic investments without reliance on volatile external financing.
Negative Factors
Sharp gross margin decline
A severe drop in gross margin signals structural pressure on pricing, mix, or cost of delivery (e.g., higher implementation or cloud costs). Such margin erosion materially reduces sustainable profitability and limits capacity to invest without raising returns.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Consistently very low leverage and steady equity growth give the company durable financial flexibility; this supports funding multi-year deals, absorbing cyclical tech spend, and pursuing strategic investments without reliance on volatile external financing.
Read all positive factors
Intellect Design Arena Ltd (INTELLECT) vs. iShares MSCI India ETF (INDA)
Market Cap
₹96.54B
Dividend Yield0.69%
Average Volume (3M)15.60K
Price to Earnings (P/E)24.0
Beta (1Y)1.54
Revenue Growth21.53%
EPS Growth3.38%
CountryIN
Employees6,075
SectorTechnology
Sector Strength88
IndustrySoftware - Application
Share Statistics
EPS (TTM)29.06
Shares Outstanding139,894,520
10 Day Avg. Volume8,543
30 Day Avg. Volume15,602
Financial Highlights & Ratios
PEG Ratio8.31
Price to Book (P/B)2.61
Price to Sales (P/S)2.72
P/FCF Ratio24.59
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)32.73
Revenue Forecast (FY)₹35.12B
Intellect Design Arena Ltd Business Overview & Revenue Model
Company Description
Intellect Design Arena Limited provides software development and related services for banking, insurance, and other financial services in India and internationally. It offers platforms and products, such as iGTB, a suite of transaction banking sol...
How the Company Makes Money
Intellect primarily earns revenue by selling and servicing its financial-technology software products to financial institutions. Key revenue streams typically include: (1) software license and/or subscription fees for its banking and financial ser...
Intellect Design Arena Ltd Financial Statement Overview
Summary
Income Statement
68
Positive
Balance Sheet
86
Very Positive
Cash Flow
60
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 27.95B | 30.38B | 25.00B | 25.06B | 22.31B | 18.78B |
| Gross Profit | 9.32B | 3.72B | 9.69B | 11.56B | 10.74B | 9.57B |
| EBITDA | 5.38B | 5.80B | 3.97B | 4.25B | 3.31B | 3.90B |
| Net Income | 4.02B | 3.45B | 3.33B | 3.21B | 2.67B | 3.49B |
Balance Sheet | ||||||
| Total Assets | 40.94B | 45.80B | 38.82B | 34.05B | 28.87B | 25.94B |
| Cash, Cash Equivalents and Short-Term Investments | 4.29B | 8.51B | 5.31B | 3.03B | 1.27B | 4.08B |
| Total Debt | 898.06M | 1.59B | 717.78M | 443.03M | 271.28M | 204.19M |
| Total Liabilities | 11.07B | 13.80B | 10.65B | 9.54B | 8.19B | 7.72B |
| Stockholders Equity | 29.57B | 31.70B | 27.86B | 24.39B | 20.58B | 18.09B |
Cash Flow | ||||||
| Free Cash Flow | -152.95M | 3.37B | 2.60B | 2.37B | 85.09M | 3.24B |
| Operating Cash Flow | 802.56M | 5.56B | 4.31B | 4.10B | 1.74B | 4.53B |
| Investing Cash Flow | 790.15M | -3.18B | -2.45B | -2.55B | -1.77B | -3.99B |
| Financing Cash Flow | -1.04B | -1.13B | -633.06M | -490.26M | -495.42M | -521.01M |
Intellect Design Arena Ltd Technical Analysis
Negative
959.35
Price Trends
688.43
Positive
768.96
Negative
895.75
Negative
Market Momentum
0.56
Positive
44.39
Neutral
15.58
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:INTELLECT, the sentiment is Negative. The current price of 959.35 is above the 20-day moving average (MA) of 727.85, above the 50-day MA of 688.43, and above the 200-day MA of 895.75, indicating a neutral trend. The MACD of 0.56 indicates Positive momentum. The RSI at 44.39 is Neutral, neither overbought nor oversold. The STOCH value of 15.58 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:INTELLECT.
Intellect Design Arena Ltd Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ₹64.15B | 13.30 | ― | 0.59% | 5.89% | -5.03% | |
72 Outperform | ₹38.22B | 28.47 | ― | 0.21% | 35.08% | 26.95% | |
65 Neutral | ₹142.89B | 46.62 | ― | 0.68% | 19.09% | 2.91% | |
64 Neutral | ₹20.89B | 29.12 | ― | 1.34% | 8.19% | -1.00% | |
63 Neutral | ₹96.54B | 23.95 | ― | 0.69% | 21.53% | 3.38% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
53 Neutral | ₹14.70B | 163.07 | ― | ― | 18.25% | ― |
* Technology Sector Average
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Intellect Design Arena Ltd Corporate Events
Intellect Wins Major Canadian Digital Banking Deal with 37 Financial Institutions
May 12, 2026
Intellect Design Arena has been chosen by 37 Canadian financial institutions participating in the National Digital Banking Working Group to implement its eMACH.ai Digital Engagement Platform. The collaboration aims to deliver a unified digital ban...
Intellect Design Arena Wins Mainstreet Credit Union Deal for AI-Driven Digital Platform
May 11, 2026
Intellect Design Arena has secured a deployment with Mainstreet Credit Union in Southwestern Ontario, which will implement the company’s eMACH.ai Digital Engagement Platform as a multi-tenant SaaS solution. The rollout, including Retail and ...
Intellect Design Arena Unveils FY26 Results in Investor Presentation
May 8, 2026
Intellect Design Arena Ltd has released an investor presentation detailing its audited financial results for the fourth quarter and full year ended March 31, 2026. The materials, prepared for analysts and institutional investors, highlight the com...
Intellect Design Arena Announces Senior Management Changes Effective March 2026
Mar 16, 2026
Intellect Design Arena Ltd, a financial technology provider to banks and financial institutions, has announced changes in its senior management as part of an upcoming leadership transition. The company, which offers digital platforms and software ...
Intellect Design Arena Schedules One-on-One Virtual Meet With Hornbill Capital Advisers
Mar 9, 2026
Intellect Design Arena Ltd has notified the exchanges that senior management from its IntellectAI division will hold a one-on-one virtual meeting with Hornbill Capital Advisers LLP on March 9, 2026, from 12 p.m. IST onward. The session, led by Int...
Intellect Design Schedules One-on-One Meet With CJW Investments
Mar 2, 2026
Intellect Design Arena Ltd has notified the stock exchanges about a scheduled one-on-one virtual meeting with CJW Investments on March 2, 2026, starting at 1:30 p.m. IST. The interaction will feature the company’s Chief Financial Officer, Va...
Intellect Design Arena Plans One-to-One Investor Meet with Nine Rivers Capital
Mar 2, 2026
Intellect Design Arena Ltd has scheduled a one-to-one virtual meeting with Nine Rivers Capital on March 2, 2026, starting at 2:30 p.m. IST. The session will be attended by Chairman and Managing Director Arun Jain, Chief Financial Officer Vasudha S...
Intellect Design Arena Schedules One-on-One Meet With WhiteOak Capital
Mar 2, 2026
Intellect Design Arena Ltd. has announced the schedule for a one-on-one virtual meeting with analyst and institutional investor WhiteOak Capital on March 2, 2026, from 3:30 PM IST onwards. The session will feature Chairman and Managing Director Ar...
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.