Intellect Design Arena Ltd (INTELLECT) AI Stock Analysis

• Market Cap: ₹146.67B
• Dividend Yield: 0.66%
• Average Volume (3M): 15.60K
• Price to Earnings (P/E): 36.4
• Beta (1Y): 1.66
• Revenue Growth: 15.87%
• EPS Growth: 39.55%
• Country: IN
• Employees: 6,075
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Application
• EPS (TTM): 7.20
• Shares Outstanding: 139,292,080
• 10 Day Avg. Volume: 8,543
• 30 Day Avg. Volume: 15,602
• PEG Ratio: 12.07
• Price to Book (P/B): 3.46
• Price to Sales (P/S): 3.86
• P/FCF Ratio: 37.18
• 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: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 73 Outperform
• Price Target: ₹1,263.00 ▲(19.94% Upside)

Intellect Design Arena Ltd's strong financial performance and positive technical indicators are offset by its high valuation. The stock's bullish momentum is a positive sign, but the high P/E ratio suggests caution. Investors should monitor the company's ability to address the recent decline in gross profit and increase in liabilities.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term expansion and stability.

Cash Flow Generation

Strong cash flow generation provides financial flexibility for reinvestment and growth, ensuring sustainability and resilience against market fluctuations.

Balance Sheet Health

A strong balance sheet with low leverage enhances financial stability, enabling the company to withstand economic challenges and pursue growth opportunities.

Negative Factors

Gross Profit Decline

A decline in gross profit could indicate rising costs or pricing pressures, potentially affecting profitability if not addressed.

Increase in Liabilities

Rising liabilities can strain financial resources, impacting the company's ability to invest in growth and manage operational risks effectively.

High Valuation Concerns

High valuation may limit upside potential and increase risk, requiring the company to deliver strong performance to justify investor expectations.

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 solutions that includes digital transaction banking, trade and supply chain finance, liquid management, payment, and virtual account management solutions; iGCB, an end-to-end contextual banking suite for retail and corporate banking solution, which consists of digital core, digital lending, quantum core, and cards; iRTM, a risk, treasury, and capital markets platform that supports straight-through processing (STP) and various asset classes over a configurable and scalable platform; Intellect SEEC, an insurance solution; and Intellect WealthQube, a solution for wealth managers, private bankers, advisory firms, and financial advisors. The company was incorporated in 2011 and is based in Chennai, India.

How the Company Makes Money

Intellect Design Arena generates revenue primarily through the sale of software licenses, subscription-based services, and consulting fees. The company's revenue model is based on a combination of one-time licensing agreements and recurring subscription fees for its software solutions. Key revenue streams include the implementation of its digital banking platforms, customization services, and ongoing support and maintenance contracts. Additionally, INTELLECT has established strategic partnerships with financial institutions and technology providers, which enhance its market reach and contribute to its earnings through collaborative projects and joint ventures.

Intellect Design Arena Ltd Financial Statement Overview

Summary

Intellect Design Arena Ltd exhibits strong financial performance with consistent revenue and profit growth, a solid balance sheet with low leverage, and healthy cash flows. However, the recent decline in gross profit and increase in liabilities require attention.

Income Statement

Intellect Design Arena Ltd has shown consistent revenue growth over the past five years, with a particularly strong increase from 2021 to 2022. The company maintains healthy gross and net profit margins, indicating strong profitability. However, there was a notable decline in gross profit in the most recent year, which might need attention. The EBIT and EBITDA margins remain robust, reflecting efficient cost management and operational efficiency.

Balance Sheet

The balance sheet of Intellect Design Arena Ltd demonstrates solid financial health with a strong equity position. The debt-to-equity ratio is low, indicating prudent leverage management, and the equity ratio is high, suggesting that the company is well-capitalized. Return on equity has been stable, reflecting consistent profitability. However, there has been an increase in total liabilities, which needs monitoring to maintain financial stability.

Cash Flow

The company has maintained positive operating and free cash flow, with a positive trend in free cash flow growth, which highlights strong cash generation capability. The operating cash flow to net income ratio is healthy, indicating efficient cash conversion from profits. The free cash flow to net income ratio is also favorable, underscoring effective capital expenditure management. The company should continue to focus on optimizing its cash flow to support growth and investment.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	25.95B	25.00B	25.06B	22.31B	18.78B	14.97B
Gross Profit	10.13B	9.69B	11.56B	10.74B	9.57B	6.89B
EBITDA	4.33B	3.97B	4.25B	3.31B	3.90B	2.96B
Net Income	3.53B	3.33B	3.21B	2.67B	3.49B	2.63B
Balance Sheet
Total Assets	0.00	38.82B	34.05B	28.87B	25.94B	20.44B
Cash, Cash Equivalents and Short-Term Investments	5.31B	5.31B	3.03B	1.27B	4.08B	2.49B
Total Debt	0.00	717.78M	443.03M	271.28M	204.19M	824.61M
Total Liabilities	-28.17B	10.65B	9.54B	8.19B	7.72B	6.39B
Stockholders Equity	28.17B	27.86B	24.39B	20.58B	18.09B	13.93B
Cash Flow
Free Cash Flow	0.00	2.60B	2.37B	85.09M	3.24B	3.50B
Operating Cash Flow	0.00	4.31B	4.10B	1.74B	4.53B	4.63B
Investing Cash Flow	0.00	-2.45B	-2.55B	-1.77B	-3.99B	-1.90B
Financing Cash Flow	0.00	-633.06M	-490.26M	-495.42M	-521.01M	-2.25B

Intellect Design Arena Ltd Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1053.00
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:INTELLECT, the sentiment is Positive. The current price of 1053 is below the 20-day moving average (MA) of 1062.10, below the 50-day MA of 1059.94, and above the 200-day MA of 980.94, indicating a neutral trend. The MACD of -13.76 indicates Positive momentum. The RSI at 49.06 is Neutral, neither overbought nor oversold. The STOCH value of 47.39 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:INTELLECT.

Intellect Design Arena Ltd Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LATENTVIEW	74 Outperform	₹99.45B	52.06	―	―	31.50%	11.32%
INTELLECT	73 Outperform	₹146.67B	36.37	―	0.66%	15.87%	39.55%
DATAPATTNS	72 Outperform	₹143.04B	61.28	―	0.30%	77.99%	26.08%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
NEWGEN	61 Neutral	₹117.91B	35.33	―	0.60%	11.47%	12.41%
TEJASNET	54 Neutral	₹79.66B	-19.68	―	0.56%	-17.23%	-185.73%

Intellect Design Arena Ltd Corporate Events

Intellect Design Arena Elevates Manish Maakan to Executive President and GCRO

Intellect Design Arena Ltd has announced a significant change in its senior management, with Manish Maakan being elevated to the position of Executive President and Group Chief Revenue Officer. This strategic move is expected to enhance the company’s global revenue governance and strengthen its market position in the financial technology industry, reflecting its commitment to expanding its global footprint and improving its operational capabilities.

Intellect Design Arena Engages with Investors at G-200 Summit

Intellect Design Arena Ltd participated in the Anand Rathi Annual Flagship Conference G-200 Summit, where company representatives met with a variety of investors, including institutional and retail investors, to discuss potential opportunities and strategies. This engagement highlights the company’s proactive approach in strengthening investor relations and potentially expanding its market influence through strategic partnerships and investments.

Intellect Design Arena Ltd Announces Financial Results and Management Changes

Intellect Design Arena Ltd announced its unaudited financial results for the quarter and half-year ending September 30, 2025, which were approved by the Board of Directors. Additionally, the company has made changes in its management team by nominating John Owen and Vivek Gupta as Senior Management Personnel, indicating a strategic move to strengthen its leadership in the Western Hemisphere and consulting sectors.

Intellect Design Arena Schedules Q2 FY26 Investor Earnings Call

Intellect Design Arena Limited has announced an upcoming Investors Earning Conference Call scheduled for October 31, 2025, where the company’s senior management will discuss the second quarter performance of FY 26 and address questions from participants. This event is significant as it provides stakeholders with insights into the company’s financial health and strategic direction, potentially impacting investor confidence and market positioning.

Intellect Design Arena Unveils PF Credit to Revolutionize Bank Lending

Intellect Design Arena Ltd has launched PF Credit, a suite of AI-driven digital experts designed to transform the loan management process for banks. This new offering aims to improve efficiency across the lending lifecycle, from origination to collections, by integrating with existing systems and addressing key challenges such as data entry, risk assessment, customer service, and collections. The launch of PF Credit positions Intellect as a forward-thinking player in the financial technology sector, potentially enhancing its market standing and offering significant benefits to banking stakeholders through increased operational efficiency and customer satisfaction.