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INVESTMENT INSIGHTS

Check Before You Invest : India Shelter Finance Corporation Ltd

BSE: 544044 NSE: INDIASHLTR ISIN: INE922K01024
  |   Sector:  BFSI   |   Industry:  Finance - Housing

Snapshot

Q.1 Which industry/sub-sector does India Shelter Finance Corporation Ltd belong to?
India Shelter Finance Corporation Ltd belongs to the BFSI sector, operating specifically within the Finance - Housing segment.
Q.2 Is India Shelter Finance Corporation Ltd a good quality company?
India Shelter Finance Corporation Ltd is a average quality company, based on a somewhat consistent 10-year financial track record.
Q.3 Is India Shelter Finance Corporation Ltd undervalued or overvalued?
India Shelter Finance Corporation Ltd appears Fair, as its key valuation ratios are in line with their past averages.
Q.4 Is India Shelter Finance Corporation Ltd a good buy now?
India Shelter Finance Corporation Ltd is a good buy now, based on strong price trend analysis suggesting prices may rise. However, you need to check its quality and valuation before making a decision

Performance Analysis

Q.1 Total Income growth of India Shelter Finance Corporation Ltd?
India Shelter Finance Corporation Ltd Operating Income growth is 40.54% for FY-2025, which is above its 5-year CAGR of 38.43%, indicating faster growth.
Q.2 Return on Assets of India Shelter Finance Corporation Ltd?
India Shelter Finance Corporation Ltd Return on Asset is 5.6%, which is above its 5-year historical median of 4.5%, indicating improved earnings on assets.
Current Level 5-year
Historic Median
NPM% 32.38 28.67
PPOP% 52.05 52.05
RoA% 5.6 4.5
Q.3 Return on Equity (ROE) of India Shelter Finance Corporation Ltd?
India Shelter Finance Corporation Ltd Return on Equity is 15.2% for FY-2025, which is above its 5-year historical median of 13.5%, indicating the business is making better use of its shareholders capital.
Q.4 Pre-provisioning operating profit margin of India Shelter Finance Corporation Ltd?
India Shelter Finance Corporation Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 52.05% for FY-2025, which is in line with its 5-year median(52.05%), indicating stable margins.
Q.5 Net Profit Margin of India Shelter Finance Corporation Ltd?
India Shelter Finance Corporation Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 32.38% for FY-2025, which is above its 5-year median( 28.67%), indicating increasing margins.
Q.6 Total Asset growth of India Shelter Finance Corporation Ltd?
India Shelter Finance Corporation Ltd Total Asset growth is 33.66% for FY-2025, which is above its 5-year CAGR of 33.41%, indicating faster growth.
Q.7 Capital Adequacy ratio of India Shelter Finance Corporation Ltd?
India Shelter Finance Corporation Ltd Capital Adequacy ratio (CAR) is 60.6% for FY-2025, which is above the regulatory requirement of 15%, indicating strong capital position.
Q.8 Asset Quality of India Shelter Finance Corporation Ltd?
India Shelter Finance Corporation Ltd Gross Non-Performing Assets, which are loans overdue by more than 90 days, is 0.99% for FY-2025, which is below its 5-year median 1.13%, while Net Non-Performing Assets, which is GNPA minus provisions made for bad loans is 0.75% which is below its 5-year median( 0.85%), indicating improving asset quality.

Ownership & governance

Q.1 Promoter shareholding and pledge status of India Shelter Finance Corporation Ltd?
Promoters hold 47.54% of the India Shelter Finance Corporation Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of India Shelter Finance Corporation Ltd vs Industry Peers?
India Shelter Finance Corporation Ltd AUM CAGR is 33.41%, compared to the 5-year industry median CAGR of 4.02%, indicating faster growth and gaining its market share.
Q.2 Profit metrics (NPM, PPOP, RoA) of India Shelter Finance Corporation Ltd vs industry peers
India Shelter Finance Corporation Ltd profit metrics are above the industry median level of 10.39%, indicating stronger profitability compared to peers.
Profit Metrics
Current Level 5-year
Industry Median
NPM% 32.38 17.47
PPOP% 52.05 11.85
RoA% 5.6 1.85
Q.3 Operating efficiency of India Shelter Finance Corporation Ltd vs industry peers?
India Shelter Finance Corporation Ltd ROCE (11.4) is above the industry median of (8.9); while the current ROE (13.5) are below than the 5-year average Industry ROE (13.55). This shows that the business is positioned in the middle quartile of the industry.
Operating Efficiency
Current Level 5-year
Industry Median
NPM% 32.38 17.47
PPOP% 52.05 11.85
RoA% 5.6 1.85
ROCE% 12.7 8.9
ROE% 15.2 13.55

Valuation & price assessment

Q.1 Stock return of India Shelter Finance Corporation Ltd over the last decade?
Over the last 1 years, the stock has delivered a CAGR of -5.92% based on the current price.
Q.2 What return has the stock given over the last decade?
9Y 5Y 3Y 1Y
Share Price
CAGR		 - - - -5.9%
Q.3 How do the current valuation ratios compare with 5-year historical median and industry numbers?
Valuation Ratios Current 5-year
Historic Median		 5-year
Industry Median
Price to Earnings 18.61 25.15 14.89
Price to Book 2.9 3.04 1.26
Price to Sales 6.08 8.06 3.55
EV to EBITDA 13.33 15.88 10.70
Q.4 Valuation ratios of India Shelter Finance Corporation Ltdvs historical and industry averages?
The current Price to book ratio (P/B) 2.9% is lower than its historical median of 3.04%, indicating that at the current price the stock is undervalued. However, you need a deeper analysis to make a better judgement.

Strategic outlook

Q.1 Does its ROIC exceed its WACC?
India Shelter Finance Corporation Ltd return on invested capital (ROIC) is 9.44% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 13.5%, indicating value erosion.

Check more companies

1. LIC Housing Finance
2. PNB Housing Finance
3. Aadhar Housing Fin
4. Sammaan Capital
5. Aptus Value Housing
6. Home First Finance
7. Can Fin Homes
8. Aavas Financiers
9. India Shelter Fin.
10. Repco Home Finance

Check trending companies

1. Force Motors Ltd.
2. KEI Industries Ltd.
3. Aadhar Housing Finance Ltd.
4. State Bank Of India
5. Power Finance Corporation Ltd.
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