Price
Financials
Standalone, Rs crore| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 204 | 209 | 234 | 251 | 282 | 304 | 327 | 361 | 369 | 390 | 411 | 432 |
| Interest | 72 | 74 | 75 | 77 | 85 | 92 | 102 | 106 | 110 | 114 | 115 | 121 |
| Expenses | 59 | 61 | 67 | 73 | 79 | 85 | 83 | 97 | 98 | 113 | 110 | 123 |
| Financing Profit | 73 | 74 | 93 | 101 | 119 | 127 | 142 | 158 | 161 | 163 | 186 | 188 |
| Financing Margin % | 36% | 35% | 40% | 40% | 42% | 42% | 43% | 44% | 44% | 42% | 45% | 44% |
| Other Income | 7 | 10 | 10 | 9 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 |
| Profit before tax | 77 | 81 | 99 | 108 | 117 | 124 | 139 | 155 | 158 | 160 | 182 | 185 |
| Tax % | 22% | 23% | 22% | 23% | 23% | 23% | 23% | 23% | 23% | 22% | 23% | 23% |
| Net Profit | 60 | 62 | 78 | 83 | 90 | 96 | 108 | 119 | 122 | 124 | 140 | 143 |
| EPS in Rs | 6.67 | 5.80 | 7.26 | 7.77 | 8.37 | 8.91 | 10.00 | 11.05 | 11.24 | 11.41 | 12.88 | 13.14 |
| Gross NPA % | 1.25% | 0.99% | 1.24% | 1.25% | 1.54% | 1.25% | 1.55% | |||||
| Net NPA % | 0.94% | 0.75% | 0.95% | 0.94% | 1.16% | 0.93% | 1.15% |
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 172 | 230 | 317 | 448 | 584 | 829 | 1,165 | 1,530 | 1,601 |
| Interest | 49 | 76 | 106 | 149 | 211 | 289 | 356 | 446 | 459 |
| Expenses | 83 | 84 | 99 | 138 | 185 | 243 | 319 | 417 | 444 |
| Financing Profit | 40 | 70 | 112 | 162 | 188 | 297 | 490 | 668 | 698 |
| Financing Margin % | 23% | 30% | 35% | 36% | 32% | 36% | 42% | 44% | 44% |
| Other Income | 0 | 0 | 6 | 12 | 22 | 32 | 10 | -0 | 0 |
| Depreciation | 2 | 6 | 5 | 7 | 8 | 10 | 12 | 12 | 13 |
| Profit before tax | 38 | 64 | 113 | 167 | 201 | 318 | 488 | 655 | 685 |
| Tax % | 26% | 27% | 23% | 23% | 23% | 22% | 23% | 23% | |
| Net Profit | 28 | 47 | 87 | 128 | 155 | 247 | 377 | 505 | 529 |
| EPS in Rs | 6.59 | 10.95 | 20.33 | 29.39 | 35.32 | 23.06 | 34.95 | 46.44 | 48.67 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 14% | 22% |
| 10 Years | 5 Years | 3 Years | TTM | 1 Year | Last Year | |
|---|---|---|---|---|---|---|
| Compounded Sales Growth | % | 37% | 38% | 26% | ||
| Compounded Profit Growth | % | 42% | 48% | 28% | ||
| Stock Price CAGR | % | % | % | -27% | ||
| Return on Equity | % | 15% | 16% | 17% |
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Equity Capital | 42 | 43 | 43 | 44 | 44 | 54 | 54 | 54 |
| Reserves | 751 | 805 | 894 | 1,032 | 1,196 | 2,244 | 2,653 | 3,144 |
| Borrowing | 508 | 689 | 1,491 | 2,070 | 2,989 | 3,415 | 4,969 | 6,246 |
| Other Liabilities | 61 | 262 | 41 | 75 | 66 | 80 | 70 | 171 |
| Total Liabilities | 1,362 | 1,799 | 2,470 | 3,221 | 4,295 | 5,793 | 7,746 | 9,615 |
| Fixed Assets | 7 | 18 | 15 | 17 | 24 | 30 | 29 | 29 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 80 | 94 | 0 | 175 | 59 | 170 | 327 | 395 |
| Other Assets | 1,276 | 1,687 | 2,455 | 3,029 | 4,212 | 5,593 | 7,389 | 9,191 |
| Total Assets | 1,362 | 1,799 | 2,470 | 3,221 | 4,295 | 5,793 | 7,746 | 9,615 |
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | -341 | -292 | -421 | -495 | -853 | -1,233 | -1,436 | -1,183 |
| Cash from Investing Activity | 26 | -150 | 77 | 1 | 161 | -233 | -61 | -107 |
| Cash from Financing Activity | 344 | 395 | 560 | 592 | 907 | 1,220 | 1,566 | 1,238 |
| Net Cash Flow | 28 | -46 | 216 | 97 | 215 | -247 | 70 | -52 |
| Free Cash Flow | -345 | -293 | -423 | -500 | -859 | -1,239 | -1,444 | -1,194 |
| CFO/OP | -372% | -188% | -184% | -151% | -201% | -198% | -158% | -94% |
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| ROE % | 4% | 6% | 10% | 13% | 13% | 14% | 15% | 17% |
| Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 48.30% | 48.30% | 48.23% | 48.14% | 48.00% | 47.92% | 47.91% | 47.71% | 47.60% | 47.53% | 46.05% |
| FIIs | 5.84% | 5.28% | 5.16% | 5.77% | 6.23% | 6.93% | 7.96% | 8.02% | 7.48% | 6.87% | 6.86% |
| DIIs | 12.61% | 16.09% | 17.53% | 21.87% | 20.66% | 18.52% | 17.67% | 21.00% | 20.72% | 21.39% | 21.92% |
| Public | 33.24% | 30.32% | 29.09% | 24.22% | 25.09% | 26.64% | 26.46% | 23.27% | 24.20% | 24.21% | 25.15% |
| No. of Shareholders | 1,14,300 | 64,293 | 54,929 | 52,748 | 53,706 | 55,264 | 65,803 | 65,949 | 62,619 | 59,100 | 56,218 |
Fundamentals
Market Cap₹ 6,986 Cr.
Current Price₹ 640
Stock P/E13.2
Book Value₹ 294
ROCE12.9 %
ROE17.1 %
Dividend Yield1.56 %
Face Value₹ 5.00
Compounded Sales Growth (TTM)26%
Compounded Profit Growth (TTM)28%
Standalone figures.
Valuation
Market capRs 6,911 Cr
Enterprise valueRs 9,962 Cr
P/E (TTM)13.07x
Price to book3.01x
Price to sales4.32x
EV / EBITDA8.61x
EV / EBIT8.70x
EV / sales6.22x
Earnings yield7.65%
P/E, 3-year average27.05x
P/B, 3-year average2.91x
P/E, 5-year average27.05x
P/B, 5-year average2.91x
Profitability
Operating margin (excl. other income)70.68%
Operating margin (incl. other income)74.49%
EBITDA margin72.27%
Pre-tax margin42.79%
Net profit margin33.02%
Net margin, latest quarter33.08%
ROE13.96%
ROCE12.22%
ROA4.89%
ROE, 3-year average13.37%
ROCE, 3-year average11.57%
ROA, 3-year average4.51%
ROE, 5-year average11.12%
ROCE, 5-year average11.12%
ROA, 5-year average4.12%
ROIC (approx.)16.61%
Tax rate22.42%
Other income / net worth1.37%
Growth
Sales growth (latest year)41.90%
Profit growth (latest year)59.29%
Sales CAGR, 3 years37.80%
Sales CAGR, 5 years36.94%
Profit CAGR, 3 years41.36%
Profit CAGR, 5 years54.62%
Sales growth QoQ5.29%
Profit growth QoQ2.11%
Sales growth YoY (latest quarter)19.80%
Profit growth YoY (latest quarter)19.95%
Per share
EPS (TTM)Rs 49.40
EPS (latest year)Rs 23.06
EPS (latest quarter)Rs 13.36
EPS, 3-year averageRs 29.22
EPS, 5-year averageRs 23.78
Book value per shareRs 214.62
Sales per shareRs 149.60
Cash flow per shareRs -115.18
Free cash flow per shareRs -111.54
Efficiency
Asset turnover0.14x
Fixed asset turnover27.80x
Leverage
Total debtRs 3,415 Cr
Cash and bankRs 365 Cr
Net debtRs 3,050 Cr
Debt to equity1.49x
Net debt / EBITDA2.64x
Interest coverage2.49x
Owners' fund to total sources39.66%
Debt to assets58.95%
Cash flow
Cash from Operating Activity (latest year)Rs -1,233 Cr
Cash from Investing Activity (latest year)Rs -233 Cr
Cash from Financing Activity (latest year)Rs 1,220 Cr
Net Cash Flow (latest year)Rs -247 Cr
Free cash flow (latest year)Rs -1,194 Cr
FCFE (approx.: FCF + change in debt)Rs -768 Cr
Cash from ops / profit, 5 years-3.68x
Statement figures
Net sales (TTM)Rs 1,601 Cr
Net sales (latest year)Rs 829 Cr
Sales (latest quarter)Rs 432 Cr
Operating profit excl. other income (latest year)Rs 586 Cr
Operating profit (latest quarter)Rs 309 Cr
Other income (TTM)Rs 0 Cr
EBITDA (TTM)Rs 1,157 Cr
PBDT (TTM)Rs 698 Cr
Profit before tax (TTM)Rs 685 Cr
Tax (latest year)Rs 71 Cr
Net profit (TTM)Rs 529 Cr
Net profit (latest year)Rs 247 Cr
Net profit (latest quarter)Rs 143 Cr
Depreciation (TTM)Rs 13 Cr
Depreciation (latest quarter)Rs 3 Cr
Interest (TTM)Rs 459 Cr
Cost of goods sold (latest year)Rs 9 Cr
Total expenditure (latest year)Rs 243 Cr
Total income (latest year)Rs 860 Cr
Share capitalRs 54 Cr
ReservesRs 2,244 Cr
Shareholders' fundsRs 2,298 Cr
Total assetsRs 5,793 Cr
Net blockRs 30 Cr
InvestmentsRs 170 Cr
Other liabilitiesRs 80 Cr
Shares outstanding (crore)10.71
Ownership
Promoter holding46.05% (-1.86 in a year)
Computed by MarketFriction from the standalone statements. Returns use average balances.
P/E 13.1 is at the 3th percentile of its own 2.9-year range
(median 25.0, low 12.9, high 77.2).
P/B 3.01 is at the 3th percentile (median 7.00).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
| Period | INDIASHLTR | Nifty 50 | Difference |
|---|---|---|---|
| 1 week | -1.1% | -2.8% | +1.6 pts |
| 1 month | +2.7% | -6.8% | +9.4 pts |
| 3 months | -18.3% | -7.6% | -10.6 pts |
| 6 months | -14.5% | +0.4% | -14.9 pts |
| 1 year | -25.3% | -9.9% | -15.4 pts |
| 2 years | -11.6% | -13.6% | +2.0 pts |
34 mutual fund schemes hold about ₹988 Cr.
Over three months 3 bought more and 13 sold (share counts, price move removed).
| Fund | Weight | Est. Cr | 3m shares |
|---|---|---|---|
| Kotak Mid Cap Fund | 0.67% | 477 | -2% |
| Axis Small Cap Fund | 0.49% | 155 | -3% |
| Nippon India Small Cap Fund | 0.10% | 86 | +53% |
| WOC Flexi Cap Fund | 0.58% | 53 | -4% |
| Edelweiss Large & Mid Cap Fund | 0.73% | 36 | -2% |
| WOC Mid Cap Fund | 0.46% | 35 | -9% |
| Nippon India Value Fund | 0.37% | 34 | +2% |
| WOC Multi Cap Fund | 0.61% | 25 | +3% |
| Groww Multicap Fund | 1.07% | 16 | -19% |
| UTI Small Cap Fund | 0.24% | 13 | -77% |
| WOC Multi Asset Allocation Fund | 0.13% | 12 | -8% |
| Motilal Oswal Nifty Microcap 250 Index Fund | 0.30% | 8 | -4% |
| WOC Balanced Advantage Fund | 0.31% | 7 | -1% |
| UTI Banking and Financial Services Fund | 0.48% | 7 | -39% |
| WOC Quality Equity Fund | 0.96% | 6 | +4% |
| Franklin India Large & Mid Cap Fund | 0.10% | 4 | -87% |
| Axis Value Fund | 0.19% | 4 | -49% |
| WOC ELSS Tax Saver Fund | 0.59% | 3 | -3% |
| Edelweiss ELSS Tax saver Fund | 0.56% | 3 | -1% |
| Groww Banking & Financial Services Fund | 1.92% | 2 | -14% |
| WOC Aggressive Hybrid Fund | 0.27% | 1 | -41% |
| WOC Balanced Hybrid Fund | 0.29% | 1 | +0% |
| WOC Dividend Yield Fund | 0.24% | 0 | +100% |
| WOC ESG Best-In-Class Strategy Fund | 0.72% | 0 | +9% |
| WOC Equity Savings Fund | 0.13% | 0 | +4% |
Red flags
F-score 5 of 8| explain | Weak cash conversion Cash from operations was -487% of net profit over the last 3 years |
| explain | High accruals Profit exceeded operating cash by 26% of total assets in 2026 |
| explain | Share dilution Share count up 144% in a year, 149% in three |
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.
Latest quarter
Jun 2026Revenue ₹432 Cr +19.7% vs Jun 2025.
Net profit ₹143 Cr +20.2%.
Activity
Compare| Company | Mcap (Cr) | P/E | ROCE |
|---|---|---|---|
| Bajaj Housing Finance Ltd | 67,709 | 25.0 | 8.85 % |
| Piramal Finance Ltd | 50,343 | 112 | 6.47 % |
| LIC Housing Finance Ltd | 30,171 | 5.26 | 8.59 % |
| PNB Housing Finance Ltd | 28,641 | 12.2 | 9.44 % |
| Aadhar Housing Finance Ltd | 18,960 | 16.4 | 11.4 % |
| Sammaan Capital Ltd | 15,853 | 4.92 % | |
| Aptus Value Housing Finance India Ltd | 11,686 | 11.9 | 15.4 % |
| Home First Finance Company India Ltd | 11,443 | 19.7 | 11.1 % |
| AAVAS Financiers Ltd | 9,899 | 14.4 | 9.92 % |
| Can Fin Homes Ltd | 9,743 | 8.62 | 9.14 % |
| Repco Home Finance Ltd | 2,161 | 4.49 | 10.1 % |
| GIC Housing Finance Ltd | 723 | 4.60 | 7.71 % |
| SRG Housing Finance Ltd | 221 | 6.46 | 11.8 % |
| Reliance Home Finance Ltd | 76 | -432 % | |
| Ind Bank Housing Ltd | 51 | 13.0 | -1.11 % |
No bulk or block deals on record.
| Ex-date | Action | Factor |
|---|---|---|
| 2026-06-19 | Dividend - Rs 10 Per Share | |
| 2025-07-04 | Dividend - Rs 5 Per Share |
No announcements in our files yet.
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Not on any NSE surveillance list in the latest file.
Quick answers
What is the market cap of India Shelter Finance Corporation Ltd?
India Shelter Finance Corporation Ltd (INDIASHLTR) has a market capitalisation of Rs 6,986 Cr. at the 2026-10-01 close.
What is the P/E ratio of India Shelter Finance Corporation Ltd?
India Shelter Finance Corporation Ltd trades at a P/E of 13.2 on trailing twelve-month profit, at the 2026-10-01 close.
What were India Shelter Finance Corporation Ltd's latest quarterly results?
In the Jun 2026 quarter, India Shelter Finance Corporation Ltd revenue was Rs 432 Cr (+19.7% vs Jun 2025) and net profit was Rs 143 Cr.
What is the 52-week high and low of India Shelter Finance Corporation Ltd?
The 52-week high is Rs 924.00 and the 52-week low is Rs 620.15.