Key Metrics 
Check Before You Invest 
10 Yrs X-Ray 
Profit & Loss 
Valuation 
Analyst Note 
Balance Sheet 
Cash Flow 
Financial Ratio 
Qtr. Results 
News 
About
Intellect Design Arena Ltd (INTELLECT)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 538835 NSE: INTELLECT IT - Software | Small Cap | Intellect Design Share Price
₹741.45 -8.05 (-1.07%)
As on 09-Jul'26 16:01
Intellect Design Arena Ltd (INTELLECT)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 538835 NSE: INTELLECT IT - Software | Small Cap | Intellect Design Share Price
₹741.45 -8.05 (-1.07%)
As on 09-Jul'26 16:01
Key Metrics
Valuation Multiples
Market Cap
₹10,506 Cr.
Current Price
₹741.5
52-Week Low / High
₹595 / 1,245
TTM EPS
₹24.6
TTM Sales
₹3,038 Cr.
Book Value per Share
₹217.1
P/E Ratio
30.41
Lower than its 5-year historical median
Industry PE
20.7
Price to Book (P/B)
3.45
Lower than its 5-year historical median
Price to Sales (P/S)
3.46
Lower than its 5-year historical median
EV/EBITDA
14.18
Lower than its 5-year historical median
Dividend Yield
0.94%
Profitability Efficiency
Return on Equity (ROE)
11.99%
Outperforms industry median
Return on Capital Employed (ROCE)
15.78%
Outperforms industry median
Return on Assets (ROA)
7.38%
Operating Profit Margin
19.2%
Net Profit Margin
11.3%
Gross Profit Margin
22.9%
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Sales Growth (1 Year)
Improving versus 3-year growth rate
21.53%
Operating Profit Growth (1 Year)
Slowing versus 3-year growth rate
9.33%
Net Profit Growth (1 Year)
Slowing versus 3-year growth rate
2.64%
Asset Quality
Promoter Holding
29.73%
Pledged shares (%) of Promoter's holding (%)
0.00%
Reserves
₹2,973 Cr.
Equity
₹70.1 Cr.
Face Value
₹5
All Time Low / High
₹44.00 / 1255.00
Check Before You Invest
Quality
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Valuation
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Price Trend
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Is Intellect Design Arena Ltd a good quality company?
Intellect Design Arena Ltd is a average quality company, based on a somewhat consistent multi-year financial track record.
This assessment is based on company’s performance on Revenue growth, ROCE, Equity and Assets, key margin ratios, cash conversion cycle, and debt to cash flow from operations and how it compares with its long term averages.
We have analysed the performance of the company on the following:
-
How has it performed on generating Profits?
By checking its Revenue growth, Gross, Operating and Net Margins compared to its last 5-year median.
-
How efficiently has it utilized Capital?
By checking its ROCE, ROA, ROE and its Cash Conversion Cycle.
-
How is it managing its Debt?
By checking its Debt to Equity and Cash Flow from Operations.
How does Intellect Design Arena Ltd performance compare with that of its Peers?
Revenue growth of Intellect Design Arena Ltd vs industry peers?
Intellect Design Arena Ltd revenue CAGR is 13.17%, compared to the industry median CAGR of 2.48%, indicating faster growth and gaining its market share.
Promoter shareholding and pledge status of Intellect Design Arena Ltd?
Promoters hold 29.73% of the Intellect Design Arena Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Stock return of Intellect Design Arena Ltd over the last decade?
Over the last 9 year(s), the stock has delivered a CAGR of 13.4% based on the current price.
10 Year X-Ray : Login to view analysis.
Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Intellect Design Arena Ltd has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
Value Creation ⓘ
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROCE % ⓘ | -0.9% | 9% | 14.8% | 3.7% | 22.1% | 25.9% | 19.1% | 20.8% | 17.3% | 15.8% | - |
| Value Creation Index ⓘ | -1.1 | -0.4 | 0.1 | -0.7 | 0.6 | 0.9 | 0.4 | 0.5 | 0.3 | 0.2 | - |
Growth Parameters ⓘ |
|||||||||||
| Sales ⓘ | 914 | 1,087 | 1,450 | 1,347 | 1,497 | 1,878 | 2,231 | 2,506 | 2,500 | 3,038 | 3,038 |
| Sales YoY Gr. | - | 19% | 33.3% | -7.1% | 11.2% | 25.4% | 18.8% | 12.3% | -0.3% | 21.5% | - |
| Adj EPS ⓘ | -3.7 | 3.2 | 8 | 0.3 | 19.7 | 25.2 | 18.9 | 23.5 | 23.6 | 24.1 | 24.6 |
| YoY Gr. | - | NA | 150.3% | -96.6% | 7177.8% | 28% | -24.9% | 24.4% | 0.3% | 2.3% | - |
| BVPS (₹) ⓘ | 53 | 61.6 | 75.4 | 75.7 | 100 | 127.9 | 143.3 | 168.1 | 193.3 | 217.9 | 217.1 |
| Adj Net Profit ⓘ | -39.8 | 39.9 | 105 | 3.5 | 261 | 338 | 256 | 322 | 328 | 337 | 345 |
| Cash Flow from Ops. ⓘ | -65 | 49.5 | -50.3 | 43.6 | 463 | 453 | 174 | 410 | 431 | 511 | - |
| Debt/CF from Ops. ⓘ | -3.6 | 3.2 | -2.7 | 5.9 | 0.1 | 0 | 0 | 0 | 0 | 0 | - |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Sales ⓘ | 14.3% | 15.2% | 10.8% | 21.5% | ||||
| Adj EPS ⓘ | NA | 4.2% | 8.5% | 2.3% | ||||
| BVPSⓘ | 17% | 16.9% | 15% | 12.7% | ||||
| Share Price | 14% | 0.8% | 7.2% | -37.2% | ||||
Key Financial Parameters ⓘ
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity % ⓘ | -6.6 | 5.7 | 11.5 | 0.3 | 21.4 | 21.1 | 13.3 | 14.3 | 12.5 | 11.3 | 11.3 |
| Op. Profit Mgn % ⓘ | -2.6 | 7.5 | 9.9 | 5.6 | 24 | 25.3 | 19.7 | 21.7 | 21.4 | 19.2 | 19.1 |
| Net Profit Mgn % ⓘ | -4.4 | 4.6 | 7.2 | 0.4 | 17.6 | 18.1 | 11.6 | 12.9 | 13.2 | 11 | 11.4 |
| Debt to Equity ⓘ | 0.4 | 0.2 | 0.1 | 0.3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Working Cap Days ⓘ | 224 | 208 | 194 | 249 | 229 | 204 | 221 | 242 | 302 | 305 | 128 |
| Cash Conv. Cycle ⓘ | 22 | 28 | 0 | -7 | -18 | -28 | -17 | 8 | 23 | 29 | 68 |
Profit And Loss
(All Figures are in Crores.)| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 914 | 1,087 | 1,450 | 1,347 | 1,497 | 1,878 | 2,231 | 2,506 | 2,500 | 3,038 |
| Operating Expenses > ⓘ + | 937 | 1,012 | 1,317 | 1,271 | 1,139 | 1,403 | 1,793 | 1,964 | 1,966 | 2,454 |
| Operating Profit > ⓘ | -23 | 75 | 132 | 75 | 359 | 475 | 438 | 542 | 534 | 584 |
| Operating Profit Margin (%) | -2.6% | 6.9% | 9.1% | 5.6% | 23.9% | 25.3% | 19.7% | 21.6% | 21.4% | 19.2% |
| Other Income > ⓘ + | 34 | 27 | 63 | 26 | 13 | 41 | 51 | 59 | 77 | 123 |
| Interest > ⓘ | 13 | 17 | 16 | 22 | 13 | 7 | 7 | 6 | 8 | 10 |
| Depreciation > ⓘ | 24 | 27 | 42 | 69 | 77 | 98 | 122 | 137 | 156 | 209 |
| Profit Before Tax > ⓘ | -20 | 64 | 140 | 23 | 290 | 413 | 363 | 461 | 444 | 460 |
| Tax > ⓘ | 3 | 7 | 9 | 5 | 25 | 63 | 95 | 138 | 109 | 117 |
| Profit After Tax | -22 | 57 | 131 | 18 | 265 | 350 | 269 | 323 | 334 | 343 |
| PAT Margin (%) | -2.5% | 5.2% | 9.1% | 1.3% | 17.7% | 18.7% | 12.0% | 12.9% | 13.4% | 11.3% |
| Adjusted EPS (₹) | -2.1 | 3.7 | 10.0 | 1.2 | 19.8 | 25.9 | 19.7 | 23.5 | 24.0 | 24.7 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 0% | 0% | 9.60% | 12.70% | 14.90% | 29.20% | 28.30% |
Valuation of Intellect Design - Consolidated
Analyst's Notes
No data found!
Balance Sheet
(All Figures are in Crores.)| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | |||||||||||
| Shareholders Fund + | 576 | 773 | 993 | 1,002 | 1,330 | 1,721 | 1,944 | 2,300 | 2,684 | 3,043 | |
| Debt + | 232 | 129 | 101 | 221 | 51 | 1 | 0 | 0 | 0 | 0 | |
| Minority Interest | 0 | 10 | 9 | 12 | 12 | 13 | 11 | 12 | 31 | 29 | |
| Trade Payables | 99 | 117 | 166 | 208 | 166 | 257 | 269 | 267 | 211 | 236 | |
| Others Liabilities ⓘ | 265 | 317 | 318 | 382 | 404 | 543 | 630 | 799 | 1,321 | 1,742 | |
| Total Liabilities ⓘ | 1,173 | 1,346 | 1,587 | 1,825 | 1,963 | 2,534 | 2,854 | 3,378 | 4,247 | 5,050 | |
Fixed Assets | |||||||||||
| Net Fixed Assets ⓘ + | 278 | 274 | 334 | 368 | 397 | 433 | 493 | 555 | 724 | 888 | |
| CWIP ⓘ | 138 | 196 | 228 | 312 | 349 | 344 | 370 | 374 | 307 | 298 | |
| Investments ⓘ | 66 | 69 | 68 | 77 | 146 | 416 | 365 | 449 | 538 | 635 | |
| Inventories | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Trade Receivables | 205 | 241 | 203 | 285 | 187 | 257 | 416 | 554 | 449 | 679 | |
| Cash Equivalents | 116 | 140 | 82 | 106 | 153 | 159 | 97 | 204 | 328 | 491 | |
| Others Assets ⓘ | 370 | 425 | 673 | 678 | 732 | 925 | 1,113 | 1,242 | 1,901 | 2,059 | |
| Total Assets ⓘ | 1,173 | 1,346 | 1,587 | 1,825 | 1,963 | 2,534 | 2,854 | 3,378 | 4,247 | 5,050 | |
Cash Flow
(All Figures are in Crores.)| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ + | -65 | 49 | -50 | 44 | 463 | 453 | 174 | 410 | 431 | 510 |
| Cash Flow From Investing Activity ⓘ + | -109 | -149 | 1 | -100 | -190 | -399 | -177 | -255 | -245 | -272 |
| Cash Flow From Financing Activity ⓘ + | 146 | 143 | 63 | 80 | -225 | -52 | -50 | -49 | -63 | -113 |
| Net Cash Flow ⓘ | -28 | 42 | 14 | 24 | 48 | 2 | -53 | 106 | 123 | 125 |
Financial Ratio
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Ratios | ||||||||||
| ROE (%) | -3.83 | 8.41 | 14.87 | 1.77 | 22.69 | 22.97 | 14.66 | 15.21 | 13.42 | 11.99 |
| ROCE (%) | -0.94 | 8.96 | 14.78 | 3.65 | 22.08 | 25.85 | 19.13 | 20.76 | 17.28 | 15.78 |
| Asset Turnover Ratio | 0.84 | 0.86 | 0.99 | 0.79 | 0.79 | 0.84 | 0.83 | 0.8 | 0.66 | 0.65 |
| PAT to CFO Conversion(x) | N/A | 0.86 | -0.38 | 2.44 | 1.75 | 1.29 | 0.65 | 1.27 | 1.29 | 1.49 |
| Working Capital Days | ||||||||||
| Receivable Days | 71.10 | 74.90 | 55.90 | 66.10 | 57.50 | 43.10 | 55 | 70.60 | 73.20 | 67.70 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Top 5 Mutual Funds Holding
Last Visited Stocks
Announcements
Intellect Design Arena Ltd FAQs
The current trading price of Intellect Design on 09-Jul-2026 16:01 is ₹741.5.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 08-Jul-2026 the market cap of Intellect Design stood at ₹10,506.2 Cr
The latest P/E ratio of Intellect Design as of 08-Jul-2026 is 53.92.
The latest P/B ratio of Intellect Design as of 08-Jul-2026 is 5.52.
The 52-week high of Intellect Design is ₹1,244.9 and the 52-week low is ₹594.6.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Intellect Design is ₹1,662 ( Cr.) .
Past 10 year's financial track record analysis by Moneyworks4me indicates that Intellect Design Arena Ltd is a average quality company.
The key valuation ratios of Intellect Design Arena Ltd's currently when compared to its past seem to suggest it is in the Fair zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Intellect Design Arena Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.
About Intellect Design Arena Ltd
Intellect Design Arena creates financial technologies that help banks lead businesses on the path to growth and success. Its solutions help move the banking world forward; because that’s what happens when the world knows it has financial institutions they can rely on. This is the philosophy that the company, at Intellect follows, and is its commitment to its customers’ success.
Business area of the company
Intellect Design Arena is a global leader in financial technology for banking, insurance and other financial services. With a rich suite of products, they are an authority on vertical and integrated products that enable institutions to meet their ambition to be the principal service provider to their customers.
Products and services
Corporate Banking
- Digital Transaction Banking
- Trade & Supply Chain Finance
- Liquidity Management Solution
- Payments
- Contextual Banking Experience
Retail Banking
- Digital Core
- Digital Lending
- Digital Wealth (Wealth Qube)
- Retail Banking (CBX Retail)
- Central Banking
Risk, Treasury & Captial Markets
- Brokerage Solution (Capital Alpha)
- Treasury and ALM (Capital Cube)
- Asset Servicing (Capital Sigma)
Insurance
- Risk Analyst
- Underwriting (Xponent)
- Magic Submission
Digital Solutions
- e-Governance Solutions
Awards and Accolades
FY2017-18
- Intellect was on the winner’s podium for Best Use of IT in Treasury & Capital Markets Banking Tech Awards 2017
- Intellect ranked 4 in IBS Sales League Table 2017 for Risk Management Systems by IBS
- Celent Model Banker award for Intellect Digital Lending powered Majid Al Futtaim Finance
- Intellect Digital Core ranked Global No.2 in Peer Insights by Gartner
- Rated No.1 in Retail Banking & Payments System IBS Sales League Table 2018
- Winner of Celent Model Bank Award 2018
- Featured Intellect's implementation at Chittagong Stock Exchange
FY2018-19
- Intellect rated as strong performer and among top 5 in 2018 global Digital Banking Platform of Forrester- August 2018
- Intellect recognized as a leader in Gartner’s Magic Quadrant for Global Retail Core Banking Report
FY2019-20
- Intellect Revolutionary Contextual Banking Technology ranked 1 in the world for both Retail Banking and Transaction Banking by IBS Annual Sales League Table 2020.
- Intellect Design named a Leader in the IDC MarketScape: Worldwide Trade Finance Report, highlighting its keen focus on transforming the corporate customer’s experience
- Emirates NBD wins Celent’s Model Bank Award for Transaction Banking Transformation.
- Intellect CBX Retail Digital Onboarding wins XCelent Functionality Award from Analyst Firm Celent
- Intellect Design rated as a Strong Performer in The Forrester Wave: Digital Banking Engagement Platforms
- Intellect Design Arena has been recognised as a Challenger in the July 2019 Gartner Magic Quadrant for Global Retail Core Banking
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