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Intellect Design Arena Ltd
(INTELLECT)
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Rating:63Neutral
Price Target:
₹764.00
▼(-20.36% 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 / low leverage
Very low debt-to-equity and steady equity growth provide durable financial resilience. This financing conservatism preserves borrowing capacity, supports multi-year product investments and R&D, and reduces solvency risk during project-heavy banking transformations, aiding long-term stability.
Negative Factors
Sharp gross margin compression
A collapse in gross margin to ~12% in FY2026 is a structural concern: it signals pricing pressure, rising cost of delivery, or a shift toward lower‑margin contract mixes. Sustained margin erosion materially reduces internal funding for R&D and weakens operating leverage even if revenue grows.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet / low leverage
Very low debt-to-equity and steady equity growth provide durable financial resilience. This financing conservatism preserves borrowing capacity, supports multi-year product investments and R&D, and reduces solvency risk during project-heavy banking transformations, aiding long-term stability.
Read all positive factors
Intellect Design Arena Ltd (INTELLECT) vs. iShares MSCI India ETF (INDA)
Market Cap
₹100.38B
Dividend Yield0.69%
Average Volume (3M)15.60K
Price to Earnings (P/E)28.9
Beta (1Y)1.55
Revenue Growth21.53%
EPS Growth3.38%
CountryIN
Employees6,012
SectorTechnology
Sector Strength88
IndustrySoftware - Application
Share Statistics
EPS (TTM)29.06
Shares Outstanding140,010,740
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)35.5
Revenue Forecast (FY)₹35.12B
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 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 | 6.75B | 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
729.62
Negative
711.80
Positive
863.49
Negative
Market Momentum
8.50
Positive
52.71
Neutral
41.76
Neutral
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 744.98, above the 50-day MA of 729.62, and above the 200-day MA of 863.49, indicating a bearish trend. The MACD of 8.50 indicates Positive momentum. The RSI at 52.71 is Neutral, neither overbought nor oversold. The STOCH value of 41.76 is Neutral, 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 | ₹36.93B | 33.69 | ― | 0.21% | 35.08% | 26.95% | |
69 Neutral | ₹19.93B | 17.04 | ― | 1.34% | 5.26% | -27.92% | |
65 Neutral | ₹152.11B | 44.10 | ― | 0.68% | 19.09% | 2.92% | |
65 Neutral | ₹67.20B | 22.05 | ― | 0.59% | 5.89% | -5.16% | |
63 Neutral | ₹100.38B | 28.93 | ― | 0.69% | 21.53% | 3.38% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
60 Neutral | ₹31.48B | 74.71 | ― | ― | 18.54% | ― |
* Technology Sector Average
IN:INTELLECT
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110.56%
Intellect Design Arena Ltd Corporate Events
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 ...
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...
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.