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Intellect Design Arena Ltd
(INTELLECT)
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Rating:62Neutral
Price Target:
₹772.00
▲(6.54% Upside)
Action:Reiterated
Date:08/11/26
The score is supported primarily by a strong, conservatively financed balance sheet, but is held back by meaningful margin deterioration and only moderate/volatile cash conversion. Technically, momentum is weak (below key moving averages with negative MACD), and valuation appears relatively expensive with a low dividend yield.
Positive Factors
Conservative balance sheet and low leverage
Very low leverage and steady equity growth give the firm financial flexibility to fund multi‑year implementations, invest in product development, and absorb shocks. This conservatively financed balance sheet reduces refinancing risk and supports strategic execution over months.
Negative Factors
Severe gross margin deterioration
A collapse in gross margin of this magnitude suggests meaningful loss of pricing power, higher costs, or adverse product mix. Sustained margin erosion materially reduces reinvestment capacity and long‑term profitability, undermining the benefits of revenue growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet and low leverage
Very low leverage and steady equity growth give the firm financial flexibility to fund multi‑year implementations, invest in product development, and absorb shocks. This conservatively financed balance sheet reduces refinancing risk and supports strategic execution over months.
Read all positive factors
Intellect Design Arena Ltd (INTELLECT) vs. iShares MSCI India ETF (INDA)
Market Cap
₹96.83B
Dividend Yield0.58%
Average Volume (3M)15.60K
Price to Earnings (P/E)27.3
Beta (1Y)1.54
Revenue Growth22.59%
EPS Growth-0.57%
CountryIN
Employees6,876
SectorGeneral
Sector StrengthN/A
IndustrySoftware - Application
Share Statistics
EPS (TTM)25.35
Shares Outstanding140,266,710
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)33.38
Revenue Forecast (FY)₹35.63B
Intellect Design Arena Ltd Business Overview & Revenue Model
Company Description
Intellect Design Arena Limited engages in the development, marketing, and sale of integrated banking software systems in India and internationally. It is also involved in supporting the implementation of the systems; and provides help desk support...
How the Company Makes Money
Intellect Design Arena primarily makes money by selling and supporting enterprise financial software to institutional customers (e.g., banks and other financial services organizations). Key revenue streams typically include: (1) Software/product l...
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 | 31.82B | 30.38B | 25.00B | 25.06B | 22.31B | 18.78B |
| Gross Profit | 3.85B | 3.72B | 9.69B | 11.56B | 10.74B | 9.57B |
| EBITDA | 6.64B | 6.75B | 3.97B | 4.25B | 3.31B | 3.90B |
| Net Income | 3.53B | 3.45B | 3.33B | 3.21B | 2.67B | 3.49B |
Balance Sheet | ||||||
| Total Assets | 0.00 | 45.80B | 38.82B | 34.05B | 28.87B | 25.94B |
| Cash, Cash Equivalents and Short-Term Investments | 8.51B | 8.51B | 5.31B | 3.03B | 1.27B | 4.08B |
| Total Debt | 0.00 | 1.59B | 717.78M | 443.03M | 271.28M | 204.19M |
| Total Liabilities | -31.99B | 13.80B | 10.65B | 9.54B | 8.19B | 7.72B |
| Stockholders Equity | 31.99B | 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
724.60
Price Trends
732.81
Negative
717.27
Negative
806.69
Negative
Market Momentum
-13.10
Positive
39.04
Neutral
13.83
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 724.6 is above the 20-day moving average (MA) of 713.77, below the 50-day MA of 732.81, and below the 200-day MA of 806.69, indicating a bearish trend. The MACD of -13.10 indicates Positive momentum. The RSI at 39.04 is Neutral, neither overbought nor oversold. The STOCH value of 13.83 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 (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | ₹169.47B | 49.47 | ― | 1.40% | 22.26% | -0.41% | |
70 Outperform | ₹44.78B | 38.36 | ― | 0.27% | 29.74% | 25.01% | |
70 Outperform | ₹74.46B | 23.46 | ― | 1.19% | 7.88% | -1.77% | |
69 Neutral | ₹19.47B | 18.49 | ― | 1.71% | 1.66% | -37.05% | |
62 Neutral | ₹96.83B | 27.27 | ― | 0.55% | 22.59% | -0.57% | |
56 Neutral | ₹20.41B | 48.98 | ― | ― | 15.71% | ― | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IN:INTELLECT
Intellect Design Arena Ltd
690.30
-288.76
-29.49%
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522.50
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-42.68%
IN:NUCLEUS
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739.70
-286.64
-27.93%
IN:RAMCOSYS
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542.75
111.60
25.88%
Intellect Design Arena Ltd Corporate Events
Intellect Design Arena Schedules One‑to‑One Meet With Institutional Investor
Aug 4, 2026
Intellect Design Arena Ltd has scheduled a one‑to‑one meeting with Amansa Holdings Pvt Ltd, an institutional investor, on August 4, 2026, in Chennai, with Chairman and Managing Director Arun Jain representing the company. The engagemen...
Intellect Design Arena Sets Q1 FY27 Investor Earnings Call for July 31
Jul 22, 2026
Intellect Design Arena Ltd has scheduled an investor earnings conference call to discuss its financial performance for the first quarter of FY 2026-27. Senior management will present results and engage directly with investors, reinforcing the comp...
Intellect Design Arena to Hold 15th AGM via Virtual Platform, Notifies Shareholders in Press
Jul 4, 2026
Intellect Design Arena Ltd has published newspaper advertisements announcing that its 15th Annual General Meeting will be conducted via video conferencing and other audio-visual means, with notices appearing in the English daily Business Line and ...
Intellect Design Named Notable Vendor in Forrester Digital Wealth Report
Jun 18, 2026
Intellect Design Arena Ltd., a Chennai-based AI-first financial technology provider for the financial services and insurance sectors, has developed its WealthForce.ai platform as part of the broader eMACH.ai Wealth Solutions suite. The platform is...
Intellect Design Arena Elevates Deepak Dastrala to CEO of Purple Fabric
Jun 8, 2026
Intellect Design Arena Ltd has appointed long-time executive Deepak Dastrala as Chief Executive Officer of its Purple Fabric business, elevating him to senior management as of June 7, 2026. Dastrala, who joined the company in 2011 and previously s...
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 ...
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.