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 21.5
  • 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

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 Allcap Nifty Total Market BSE SmallCap BSE Financial Services

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
Revenue 143 140 150 170 182 204 209 235 252 283 304
Interest 43 50 58 56 68 72 74 75 77 85 92
39 45 44 51 57 59 61 67 73 79 85
Financing Profit 61 45 49 63 57 73 74 93 102 119 127
Financing Margin % 42% 32% 32% 37% 31% 36% 35% 40% 40% 42% 42%
5 4 6 8 6 7 10 10 9 1 0
Depreciation 2 2 2 2 2 2 2 3 3 3 3
Profit before tax 64 47 53 68 61 77 81 100 108 117 124
Tax % 23% 24% 23% 22% 23% 22% 23% 22% 23% 23% 23%
50 36 40 53 47 60 62 78 84 90 96
EPS in Rs 11.33 8.23 9.17 12.10 10.73 6.69 5.82 7.28 7.79 8.39 8.92
Gross NPA % 1.13% 1.09% 1.20% 0.97% 1.14% 1.25%
Net NPA % 0.85% 0.80% 0.90% 0.73% 0.86% 0.94%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 317 448 585 830 1,073
Interest 106 149 211 290 328
99 138 185 243 304
Financing Profit 112 162 189 298 441
Financing Margin % 35% 36% 32% 36% 41%
6 12 21 32 20
Depreciation 5 7 8 10 12
Profit before tax 113 167 202 319 449
Tax % 23% 23% 23% 22%
87 128 155 248 348
EPS in Rs 20.33 29.39 35.41 23.13 32.38
Dividend Payout % 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: 38%
TTM: 40%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: 41%
TTM: 56%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: 10%
Return on Equity
10 Years: %
5 Years: %
3 Years: 14%
Last Year: 14%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 43 44 44 54 54
Reserves 894 1,032 1,197 2,245 2,435
1,491 2,070 2,989 3,415 4,011
34 75 66 80 101
Total Liabilities 2,463 3,221 4,296 5,794 6,600
15 17 24 30 30
CWIP 0 0 0 0 0
Investments 0 175 47 158 323
2,448 3,029 4,224 5,607 6,247
Total Assets 2,463 3,221 4,296 5,794 6,600

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Mar 2022 Mar 2023 Mar 2024
-421 -495 -852 -1,232
77 -186 162 -236
560 592 907 1,220
Net Cash Flow 216 -89 217 -249

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 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.

Click on the line-items to see the names of individual entities.

Documents

Announcements

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DRHP

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