Want to see IN:INDIASHLTR full AI Analyst Report?
Top Page
India Shelter Finance Corp. Ltd.
(INDIASHLTR)
Select Model
Select Model
Rating:60Neutral
Price Target:
₹708.00
▼(-9.83% Downside)
Action:Reiterated
Date:06/13/26
The score is primarily held back by balance-sheet and cash-flow risk (high leverage and historically volatile/negative cash generation), despite strong revenue growth and solid profitability. Technicals are mixed with weak momentum but oversold signals, while valuation appears reasonable on a mid-teens P/E with a low dividend yield.
Positive Factors
Strong Revenue Growth
Sustained revenue expansion indicates that the lender is increasing its loan-book scale and extending market reach. Continued growth can improve operating leverage, strengthen the branch platform, and support compounding earnings if underwriting and funding discipline remain intact.
Negative Factors
Elevated Leverage
Meaningful leverage is inherent to mortgage lending but increases sensitivity to funding costs, refinancing access, and liquidity conditions. If borrowing costs rise or funding becomes less available, elevated debt can pressure spreads, restrict growth flexibility, and amplify balance-sheet stress.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Revenue Growth
Sustained revenue expansion indicates that the lender is increasing its loan-book scale and extending market reach. Continued growth can improve operating leverage, strengthen the branch platform, and support compounding earnings if underwriting and funding discipline remain intact.
Read all positive factors
India Shelter Finance Corp. Ltd. (INDIASHLTR) vs. iShares MSCI India ETF (INDA)
Market Cap
₹73.47B
Dividend Yield2.29%
Average Volume (3M)7.21K
Price to Earnings (P/E)13.4
Beta (1Y)0.49
Revenue Growth25.32%
EPS Growth26.24%
CountryIN
Employees4,800
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)48.53
Shares Outstanding108,966,710
10 Day Avg. Volume4,190
30 Day Avg. Volume7,206
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)56.53
Revenue Forecast (FY)₹13.42B
India Shelter Finance Corp. Ltd. Business Overview & Revenue Model
Company Description
India Shelter Finance Corporation Limited (ISFCL) is a financial institution specializing in housing loans, primarily catering to moderately-earning individuals across India. The company offers a diverse range of mortgage products, including stand...
How the Company Makes Money
India Shelter Finance Corporation primarily makes money through net interest income on its lending business: it borrows funds (via bank borrowings, refinance lines, and/or market instruments such as debentures, subject to availability and regulato...
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 | 16.00B | 15.29B | 9.99B | 6.82B | 4.97B | 3.71B |
| Gross Profit | 11.18B | 10.59B | 4.47B | 2.40B | 1.71B | 1.36B |
| EBITDA | 6.96B | 6.66B | 5.05B | 3.31B | 2.12B | 1.74B |
| Net Income | 5.27B | 5.03B | 3.78B | 2.48B | 1.55B | 1.28B |
Balance Sheet | ||||||
| Total Assets | 0.00 | 96.15B | 77.48B | 57.94B | 42.96B | 32.21B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 3.05B | 3.43B | 3.92B | 5.17B | 2.92B |
| Total Debt | 0.00 | 62.46B | 49.69B | 34.15B | 29.89B | 20.70B |
| Total Liabilities | -31.98B | 64.17B | 50.39B | 34.96B | 30.55B | 21.45B |
| Stockholders Equity | 31.98B | 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
Neutral
785.20
Price Trends
716.49
Negative
749.05
Negative
760.29
Negative
Market Momentum
-10.69
Negative
48.17
Neutral
80.60
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:INDIASHLTR, the sentiment is Neutral. The current price of 785.2 is above the 20-day moving average (MA) of 663.74, above the 50-day MA of 716.49, and above the 200-day MA of 760.29, indicating a neutral trend. The MACD of -10.69 indicates Negative momentum. The RSI at 48.17 is Neutral, neither overbought nor oversold. The STOCH value of 80.60 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:INDIASHLTR.
India Shelter Finance Corp. Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ₹102.15B | 14.70 | ― | ― | 13.18% | 16.88% | |
69 Neutral | ₹22.20B | 4.70 | ― | 2.36% | 4.35% | 3.85% | |
62 Neutral | ₹126.41B | 12.66 | ― | 1.81% | 20.54% | 23.05% | |
60 Neutral | ₹73.47B | 13.44 | ― | 2.29% | 25.32% | 26.24% | |
59 Neutral | ₹126.51B | 21.17 | ― | 0.44% | 21.42% | 25.43% | |
58 Neutral | ₹104.11B | 9.19 | ― | 1.92% | 8.20% | 28.17% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IN:INDIASHLTR
India Shelter Finance Corp. Ltd.
652.05
-209.95
-24.36%
IN:AAVAS
Aavas Financiers Ltd.
1,275.10
-358.05
-21.92%
IN:APTUS
Aptus Value Housing Finance India Limited
249.30
-77.39
-23.69%
IN:CANFINHOME
Can Fin Homes Ltd.
781.05
47.77
6.51%
IN:HOMEFIRST
Home First Finance Company India Ltd.
1,184.65
-107.61
-8.33%
IN:REPCOHOME
Repco Home Finance Ltd.
359.85
-14.75
-3.94%
India Shelter Finance Corp. Ltd. Corporate Events
India Shelter Finance to host Q1 FY27 earnings call on August 7
Jul 29, 2026
India Shelter Finance Corporation Ltd has scheduled an earnings conference call on Friday, August 7, 2026, at 9:00 a.m. IST to discuss its financial and operational performance for the quarter ended June 30, 2026. The call, led by MD and CEO Rupin...
India Shelter Finance Reclassifies Promoter Group Members as Public Shareholders
Jun 25, 2026
India Shelter Finance Corporation Limited has secured shareholder approval via postal ballot and remote e-voting to reclassify several individuals and entities from the promoter and promoter group category to the public category, in line with Regu...
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.