India Shelter Finance Corporation Ltd

INDIA SHELTE FIN Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

India Shelter Finance Corporation Ltd

₹ 694 -0.34%
21 Feb - close price
indiashelter.in BSE: 544044 NSE: INDIASHLTR
About

Incorporated in 1998, India Shelter Finance Corporation Limited is engaged in the business of housing finance. [1]

Key Points

Business Profile[1] The company finances purchase and self-construction of residential properties by first-time home loan takers through home loans and offers loans against property (LAP).

Website BSE NSE
  • Market Cap ₹ 7,490 Cr.
  • Current Price ₹ 694
  • High / Low ₹ 799 / 521
  • Stock P/E 21.6
  • Book Value ₹ 231
  • Dividend Yield 0.00 %
  • ROCE 12.2 %
  • ROE 14.0 %
  • Face Value ₹ 5.00
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Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 54.6% CAGR over last 5 years

Cons

  • Stock is trading at 3.01 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has a low return on equity of 13.5% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance - Housing

Part of Nifty Microcap 250 BSE SmallCap BSE Allcap BSE Financial Services Nifty Total Market

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
Revenue 150 169 182 204 209 234 251 282 304
Interest 58 56 68 72 74 75 77 85 92
44 51 57 59 61 67 73 79 85
Financing Profit 49 63 57 73 74 93 101 119 127
Financing Margin % 32% 37% 31% 36% 35% 40% 40% 42% 42%
6 8 6 7 10 10 9 1 0
Depreciation 2 2 2 2 2 3 3 3 3
Profit before tax 52 68 61 77 81 99 108 117 124
Tax % 23% 22% 23% 22% 23% 22% 23% 23% 23%
40 53 47 60 62 78 83 90 96
EPS in Rs 9.14 12.06 10.69 6.67 5.80 7.26 7.77 8.37 8.91
Gross NPA % 1.25%
Net NPA % 0.85% 0.94%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 172 230 317 448 584 829 1,072
Interest 49 76 106 149 211 290 328
83 84 99 138 185 243 304
Financing Profit 40 70 112 162 188 297 440
Financing Margin % 23% 30% 35% 36% 32% 36% 41%
0 0 6 12 22 32 20
Depreciation 2 6 5 7 8 10 12
Profit before tax 38 64 113 167 201 318 448
Tax % 26% 27% 23% 23% 23% 22%
28 47 87 128 155 247 347
EPS in Rs 6.59 10.95 20.33 29.39 35.32 23.06 32.31
Dividend Payout % 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 37%
3 Years: 38%
TTM: 40%
Compounded Profit Growth
10 Years: %
5 Years: 55%
3 Years: 41%
TTM: 56%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: 10%
Return on Equity
10 Years: %
5 Years: 12%
3 Years: 13%
Last Year: 14%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 42 43 43 44 44 54 54
Reserves 751 805 894 1,032 1,196 2,244 2,433
508 689 1,491 2,070 2,989 3,415 4,011
61 262 41 75 94 117 101
Total Liabilities 1,362 1,799 2,470 3,221 4,323 5,830 6,599
7 18 15 17 24 30 30
CWIP 0 0 0 0 0 0 0
Investments 80 94 0 175 59 170 335
1,276 1,687 2,455 3,029 4,240 5,630 6,233
Total Assets 1,362 1,799 2,470 3,221 4,323 5,830 6,599

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-341 -292 -421 -495 -853 -1,233
26 -150 77 1 161 -233
344 395 560 592 907 1,220
Net Cash Flow 28 -46 216 97 215 -247

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 6% 10% 13% 13% 14%

Shareholding Pattern

Numbers in percentages

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024
48.30% 48.30% 48.23% 48.14% 48.00%
5.84% 5.28% 5.16% 5.77% 6.23%
12.61% 16.09% 17.53% 21.87% 20.66%
33.24% 30.32% 29.09% 24.22% 25.09%
No. of Shareholders 1,14,30064,29354,92952,74853,706

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

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