Market Data
Market Cap₹7,069.01 Cr.
52W High₹923.95
Current Price₹649.4
52W Low₹620.85
Down from 52W High29.7 %
Face Value₹5
Performance
ROCE11.63 %
ROE15.74 %
EPS (TTM)₹12.66
EPS Prev Qtr₹11.44
EPS Last Year₹11.07
EBITDA Qtr₹179.99 Cr.
Book Value₹294
Financial Health
Debt/Equity1.95
Debt/Profit12.41
Total Assets₹9,614.976 Cr.
Dividend Yield1.54 %
Promoter Holding46.05 %
Earning Power6.79 %
Valuation
Stock P/E13.98
Industry P/E18.22
Price to Book2.21
Price to Sales4.63
Graham Number₹554.23
Key Metrics
Book Value
₹294.1
Capital Adequacy %
56%
Cost to Income %
35.5%
Debt/Equity
1.92
__derived
1
Employees
4,800
Face Value
₹5
Gross NPA %
1.55%
Loans Disbursed
₹1,040 Cr
Net NPA %
1.15%
NIM %
12.7%
Provision Coverage %
25.72%
ROE %
17.6%
About India Shelter Finance Corporation Ltd
Financial Services · Finance
India Shelter Finance Corporation Ltd is listed on NSE in the Financial Services / Finance sector. Face value ₹5. Market cap ₹7,069.01 Cr.
Price Chart
Strengths & Weaknesses
Strengths
- Net NPA ratio is low at 1.15%, indicating strong asset quality.
- NIM is healthy at 12.7%, reflecting good interest income generation.
- Provision Coverage ratio is 25.72%, showing adequate reserves against potential defaults.
- Capital Adequacy ratio stands at 56%, meeting regulatory requirements and indicating sufficient capital buffer.
- Cost to Income ratio is 35.5%, suggesting efficient operational cost management.
Weaknesses
- Debt to Equity ratio is 1.95, indicating higher leverage which could increase financial risk.
- Dividend Yield is low at 1.55%, potentially limiting income for investors.
- ROCE of 11.63% may be considered moderate, suggesting room for improvement in capital efficiency.
Peer Comparison
| Name | CMP | P/E | Market Cap | Div Yield | NP Qtr | Qtr Profit Var% | Sales Qtr | Qtr Sales Var% | ROCE% | Debt/Eq |
|---|---|---|---|---|---|---|---|---|---|---|
| Bajaj Finance Ltd | - | 30.16 | ₹6,13,256.5 Cr | 0.61% | ₹20,647.67 Cr | - | ₹85,963.63 Cr | - | 10.43% | 3.82 |
| Bajaj Finserv Ltd | - | 27.52 | ₹2,80,096.25 Cr | 0.09% | ₹20,636.97 Cr | - | ₹1,57,641.68 Cr | - | 11.43% | 5.5 |
| Shriram Finance Ltd | - | 17.28 | ₹2,30,350.39 Cr | 1.1% | ₹11,295.71 Cr | - | ₹49,997.06 Cr | - | 11.48% | 3.8 |
| ICICI Prudential Asset Management Co Ltd | - | 31.77 | ₹1,58,506.24 Cr | - | ₹3,485.73 Cr | - | ₹6,040.44 Cr | - | 111.52% | 0 |
| Jio Financial Services Ltd | - | 68.4 | ₹1,45,434.19 Cr | 0.27% | ₹2,066.49 Cr | - | ₹4,905.27 Cr | - | 2.33% | 0.17 |
| Cholamandalam Investment & Finance Company Ltd | - | 24.17 | ₹1,39,794.37 Cr | 0.12% | ₹5,751 Cr | - | ₹32,662.59 Cr | - | 9.35% | 6.93 |
| Tata Capital Ltd | - | 25.45 | ₹1,39,274.15 Cr | 0.17% | ₹5,478.16 Cr | - | ₹32,695.45 Cr | - | 8.42% | 5.28 |
| Bajaj Holdings & Investment Ltd | - | 13.63 | ₹1,20,749.01 Cr | 1.8% | ₹8,993.16 Cr | - | ₹1,139.25 Cr | - | 12.4% | 0 |
| Muthoot Finance Ltd | - | 9.76 | ₹1,11,046.18 Cr | 1.08% | ₹11,457.46 Cr | - | ₹33,430.7 Cr | - | 14.43% | 3.88 |
| Power Finance Corporation Ltd | - | 4.18 | ₹1,08,952.86 Cr | 5.62% | ₹33,641.82 Cr | - | ₹1,15,431.43 Cr | - | 9.81% | 7.62 |
| SBI Funds Management Ltd | - | - | ₹1,06,475.16 Cr | - | - | - | - | - | - | 0 |
| Aditya Birla Capital Ltd | - | 25.05 | ₹1,04,186.93 Cr | - | ₹4,118.85 Cr | - | ₹48,185.84 Cr | - | 8.39% | 5.2 |
| Indian Railway Finance Corporation Ltd | - | 14.28 | ₹1,02,653.11 Cr | 1.34% | ₹7,190.69 Cr | - | ₹28,630.42 Cr | - | 5.78% | 7.69 |
| HDFC Asset Management Company Ltd | - | 26.91 | ₹98,766 Cr | 2.34% | ₹2,947.64 Cr | - | ₹4,253.73 Cr | - | 41.46% | 0 |
| REC Ltd | - | 4.99 | ₹79,918.35 Cr | 6.11% | ₹16,035.21 Cr | - | ₹59,202.49 Cr | - | 9.42% | 6.09 |
| L&T Finance Ltd | - | 22.07 | ₹70,266.92 Cr | 0.98% | ₹3,198.02 Cr | - | ₹18,897.97 Cr | - | 8.23% | 3.93 |
| Nippon Life India Asset Management Ltd | - | 42.74 | ₹70,191.49 Cr | 1.96% | ₹1,635.54 Cr | - | ₹2,869 Cr | - | 45.49% | 0 |
| Bajaj Housing Finance Ltd | - | 25.54 | ₹68,733.43 Cr | - | ₹2,692.32 Cr | - | ₹11,604.2 Cr | - | 8.35% | 4.6 |
| SBI Cards & Payment Services Ltd | - | 24.73 | ₹56,249.93 Cr | 0.42% | ₹2,275.15 Cr | - | ₹20,063.29 Cr | - | 10.14% | 2.8 |
| HDB Financial Services Ltd | - | 23.24 | ₹52,882.54 Cr | 0.16% | ₹2,175.9 Cr | - | ₹16,300.3 Cr | - | 9.03% | 5.52 |
Quarterly Results
| Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | |
|---|---|---|---|---|
| Sales | 361.22 | 369.21 | 389.74 | 408.23 |
| ↳ QoQ Growth | - | +2.2% | +5.6% | +4.7% |
| Expenses | 206.07 | 211.16 | 229.81 | 228.24 |
| Operating Profit | 155.15 | 158.04 | 159.93 | 179.99 |
| OPM % | 42.95% | 42.8% | 41.04% | 44.09% |
| Other Income | 0.09 | 0.03 | 0.02 | 0.04 |
| Interest | 106.46 | 109.63 | 113.53 | 115.19 |
| Depreciation | 2.78 | 3.19 | 3.31 | 3.1 |
| EBITDA | 157.93 | 161.23 | 163.24 | 183.09 |
| EBITDA Margin % | 43.72% | 43.67% | 41.88% | 44.85% |
| Profit Before Tax | 155.24 | 158.07 | 159.95 | 180.03 |
| Tax % | 23.05% | 22.79% | 22.43% | 23.57% |
| Net Profit | 119.45 | 122.04 | 124.07 | 137.59 |
| ↳ QoQ Growth | - | +2.2% | +1.7% | +10.9% |
| EPS | 11.07 | 11.29 | 11.44 | 12.66 |
Profit & Loss
| Mar 2026 | TTM | |
|---|---|---|
| Sales | 1528.4 | 1528.4 |
| Expenses | 875.28 | 875.28 |
| Operating Profit | 653.11 | 653.11 |
| OPM % | 42.73% | 42.73% |
| Other Income | 0.18 | 0.18 |
| Interest | 444.81 | 444.81 |
| Depreciation | 12.38 | 12.38 |
| Profit Before Tax | 653.29 | 653.29 |
| Tax % | 22.98% | 22.98% |
| Net Profit | 503.15 | 503.15 |
| EPS | 46.46 | 46.46 |
Compounded Sales Growth
10Y
-
5Y
-
3Y
-
TTM
-
Compounded Profit Growth
10Y
-
5Y
-
3Y
-
TTM
-
Stock Price CAGR
10Y
-
5Y
-
3Y
-
1Y
-25.04%
Return on Equity
10Y
-
5Y
-
3Y
-
Last Year
15.74%
Balance Sheet
| Mar 2025 | Mar 2026 | |
|---|---|---|
| Equity Capital | 53.95 | 54.3792 |
| Reserves | 2654.79 | 3143.0884 |
| Borrowings | 4969.06 | 6246.04 |
| Other Liabilities | 69.7 | 171.47 |
| Total Liabilities | 7747.5 | 9614.976 |
| Fixed Assets | 28.28 | 29.1771 |
| CWIP | 0 | 0 |
| Investments | 315.27 | 395.21 |
| Other Assets | 7403.95 | 9190.59 |
| Total Assets | 7747.5 | 9614.976 |
Cash Flows
| Mar 2026 | |
|---|---|
| Cash from Operating Activity | -1184.9979 |
| Cash from Investing Activity | -105.3701 |
| Cash from Financing Activity | 1237.7878 |
| Net Cash Flow | -52.5802 |
Ratios
| Mar 2026 | |
|---|---|
| Debtor Days | - |
| Inventory Days | - |
| Days Payable | - |
| Cash Conversion Cycle | - |
| Working Capital Days | 804.54 |
| ROCE % | 19.39% |
Shareholding Pattern
| Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|
| Promoters % | 47.71% | 47.6% | 47.54% | 46.05% |
| FIIs % | 8.01% | 7.48% | 6.87% | 6.87% |
| DIIs % | 21% | 20.71% | 21.39% | 21.92% |
| Public % | 8.98% | 9.58% | 9.73% | 10.62% |
| No. of Shareholders | 65,949 | 62,619 | 59,100 | 56,218 |
Major Shareholders (>1%)
- Aravali Investment HoldingsPromoter and Promoter Group26.11%
- Westbridge Crossover Fund, LlcPromoter and Promoter Group19.94%
- Nexus Ventures Iii LimitedPublic Shareholding7.72%
- Kotak Mahindra Trustee Co Ltd A/c Kotak Rural Opportunities FundPublic Shareholding6.99%
As of 2026-06-30View all shareholders →