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Financial Services | Small Cap
Health Score : 9.15India Shelter Finance Corporation Ltd demonstrates exceptional financial health, driven by phenomenal growth and profitability. The company is expanding rapidly, with significant increases in revenue, profits, and overall size. It operates with what appears to be zero debt, an unusual and strong position for a finance company, making it highly stable. Profit margins are excellent, and it provides strong returns to its investors. However, there are areas of concern. A key weakness is its cash flow from core business operations, which is consistently negative, meaning it spends more cash than it brings in from its main activities. While its ability to cover interest payments is adequate, it is not as strong as its other metrics. The company's future looks promising due to its powerful growth engine, but its reliance on external financing to cover operational cash shortfalls is a significant risk factor to monitor.
Health Score : 9.15India Shelter Finance Corporation Ltd demonstrates exceptional financial health, driven by phenomenal growth and profitability. The company is expanding rapidly, with significant increases in revenue, profits, and overall size. It operates with what appears to be zero debt, an unusual and strong position for a finance company, making it highly stable. Profit margins are excellent, and it provides strong returns to its investors. However, there are areas of concern. A key weakness is its cash flow from core business operations, which is consistently negative, meaning it spends more cash than it brings in from its main activities. While its ability to cover interest payments is adequate, it is not as strong as its other metrics. The company's future looks promising due to its powerful growth engine, but its reliance on external financing to cover operational cash shortfalls is a significant risk factor to monitor.
Overall Valuation Score
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0.00
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Last Traded Time
N/A
Price Movement Indicator
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P/E RATIO (TTM)
13.55
Industry Median
11.04
Small Cap Median
9.25
P/E RATIO
13.59
P/B RATIO
2.14
Industry Median
1.46
Small Cap Median
1.12
P/S RATIO
4.41
Industry Median
3.91
Small Cap Median
2.44
Others
PEG RATIO
0.00
EV/EBITDA RATIO
11.43
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹628.9 as on Sep 1, 2026.
Growth Score : 10.00The company is experiencing a period of outstanding and comprehensive growth. It is expanding at an exceptional rate across all key financial metrics, including revenue, operating profit, earnings per share, and net income. Its asset base is also growing robustly, indicating significant investment in its future lending capacity. This uniform and powerful growth trajectory suggests strong market demand for its products, successful business expansion strategies, and effective execution. This is a clear sign of a thriving business that is rapidly increasing its scale and market presence.
Revenue Growth RateExcellentOperating Profit Growth RateExcellentEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RateExcellent| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | 41.32 | 30.58 | 41.88 | 40.48 | 31.05 |
| Operating Profit Growth Rate | 44.64 | 16.67 | 57.67 | 64.77 | 35.44 |
| Earnings Per Share (EPS) Growth | 44.56 | 20.48 | -34.68 | 51.41 | 32.1 |
| Asset Growth Rate | 30.78 | 33.37 | 34.87 | 33.72 | 24.1 |
| Net Income Growth Rate | 47.13 | 21.09 | 60 | 52.42 | 33.07 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | India Shelter Finance Corporation Ltd | 9.15 | 13.59 | Neutral | 665.00 | 46.40 | 503.00 |
| 2 | Home First Finance Company India Ltd | 9.08 | 22.83 | Highly Overvalued | 719.00 | 51.70 | 540.00 |
| 3 | AAVAS Financiers Ltd | 8.80 | 20.14 | Highly Overvalued | 655.00 | 82.60 | 491.00 |
| 4 | Aptus Value Housing Finance India Ltd | 8.77 | 13.46 | Overvalued | 1171.00 | 13.84 | 943.00 |
| 5 | Can Fin Homes Ltd | 7.49 | 9.73 | Overvalued | 1318.00 | 81.54 | 1086.00 |
| 6 | Sammaan Capital Ltd | 3.61 | -2.39 | Neutral | -2221.00 | -65.24 | -7145.00 |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Market Sentiment
Analysis Driven By 1 Technical Indicators From The 1 Hour Timeframe
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
Annual Report⬤3rd Jul 25
Annual Report for Financial Year 2024-25
BULLISH SENTIMENT
No Stock News Available at This Moment.
India Shelter Finance Corporation Ltd is a housing finance company providing affordable home loans primarily to self-employed individuals in Tier II and Tier III cities. It specializes in serving the informal and semi-formal sectors for home purchase, construction, and renovation, positioning itself in the growing affordable housing finance market.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. India Shelter Finance Corporation Ltd's P/E ratio (TTM) is 13.55, compared to the industry median of 11.04 and large cap median of 9.25.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. India Shelter Finance Corporation Ltd's P/B ratio is 2.14, compared to the industry median of 1.46 and large cap median of 1.12.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. India Shelter Finance Corporation Ltd's P/S ratio is 4.41, compared to the industry median of 3.91 and large cap median of 2.44.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. India Shelter Finance Corporation Ltd's PEG ratio is 1.20.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. India Shelter Finance Corporation Ltd's EV/EBITDA ratio is 11.43.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. India Shelter Finance Corporation Ltd's ROE is 15.73%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. India Shelter Finance Corporation Ltd's ROA is 6.92%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. India Shelter Finance Corporation Ltd's ROCE is 34.33%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. India Shelter Finance Corporation Ltd's operating margin is 43.52%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. India Shelter Finance Corporation Ltd's net margin is 32.92%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. India Shelter Finance Corporation Ltd's current ratio is 53.75.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. India Shelter Finance Corporation Ltd's debt-to-equity ratio is 0.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. India Shelter Finance Corporation Ltd's interest coverage ratio is 2.47.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. India Shelter Finance Corporation Ltd's DPS is ₹10.18.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. India Shelter Finance Corporation Ltd's EPS is 32.10.
(Source line: "Ratios as of 24 Oct 2026, based on last traded price of ₹628.90. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 2010
Headquarters: Gurugram, Haryana
Core Offerings: Home Loans, Loan Against Property (LAP), Home Renovation Loans, Plot Purchase & Construction Loans
Stock Listing: NSE (INDIASHLTR), BSE (544044)
Promoter: WestBridge Capital, Nexus Ventures, Lightrock (Key institutional investors)
Incorporated in 2010, India Shelter Finance Corporation Ltd commenced operations after securing its Housing Finance Company (HFC) license in 2011. The company has focused on expanding its presence in underserved semi-urban and rural areas across India. A significant milestone was its successful Initial Public Offering (IPO) in December 2023, listing on NSE and BSE to support its growth trajectory and capital requirements.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Housing Finance | 100% | N/A (Primary revenue is interest income; profitability assessed via Net Interest Margin and Net Profit before/after tax) |
Housing Finance: Offers a comprehensive range of housing finance solutions, including loans for purchasing or constructing new homes, home improvement, and loans against existing property. The business primarily generates revenue through interest income on its loan portfolio.
Target Demographics: Specializes in catering to self-employed individuals from low and middle-income segments in Tier II and Tier III cities, a demographic often overlooked by traditional banking institutions.
Mr. Anil Mehta (Chairman & Independent Director): A veteran in the financial services industry, bringing extensive leadership and governance experience. Mr. Rupinder Singh (Managing Director & CEO): Leads the company's strategic direction and operational execution, with a strong background in financial services and business growth.
No major subsidiaries reported.
Successfully completed its Initial Public Offering (IPO) in December 2023, raising significant capital for business expansion and growth.
The India Shelter Finance Corporation Ltd share price today is ₹628.90 on NSE (INDIASHLTR), as of 24 Oct 2026.
As of 24 Oct 2026, India Shelter Finance Corporation Ltd share price is ₹628.90, with previous close ₹628.90. Today's range is ₹628.90 to ₹628.90. The 52-week range is ₹N/A to ₹N/A.
As of today, India Shelter Finance Corporation Ltd's market cap is ₹6,741.81 crore (Mid Cap).
India Shelter Finance Corporation Ltd's current P/E ratio is 13.55, compared to the BANKING AND FINANCE sector average of 27.50.
India Shelter Finance Corporation Ltd's current P/B ratio is 2.14.
India Shelter Finance Corporation Ltd's current dividend yield is 1.62%. Last dividend of ₹0.00 per share was declared on N/A.
India Shelter Finance Corporation Ltd's EPS (TTM) is ₹32.10.
India Shelter Finance Corporation Ltd is a housing finance company providing affordable home loans primarily to self-employed individuals in Tier II and Tier III cities. It specializes in serving the informal and semi-formal sectors for home purchase, construction, and renovation, positioning itself in the growing affordable housing finance market.
India Shelter Finance Corporation Ltd is promoted by WestBridge Capital, Nexus Ventures, Lightrock (Key institutional investors), holding 47.54% as of 24 Oct 2026.
India Shelter Finance Corporation Ltd is listed on NSE (INDIASHLTR) and BSE (544044). Its next quarterly results are expected on July/August 2024 (for Q1 FY25).
Dividend Per Share (DPS)