India Shelter Finance Corporation Limited
Fundamental Score
India Shelter Finance Corporation Limited Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of INDIASHLTR across key market metrics for learning purposes.
Positive Indicators
8 factors identified
Strong Return on Equity (15.07%)
Observation: Efficient use of shareholders' capital generating superior returns.
Analysis: ROE >15% indicates strong profitability and effective management. This metric suggests the company can generate substantial returns on invested capital.
Strong Operating Margins (70.55%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Robust Profit Growth (35.56%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture. This suggests positive business trajectory.
Strong Revenue Growth (30.69%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential. This indicates business expansion success.
Consistent Growth Track Record (38.34% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Excellent EPS Growth (26.10% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential and effective capital allocation over extended periods.
Strong Profit Growth Track Record (51.70% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Strong Institutional Confidence (FII+DII: 29.02%)
Observation: Significant professional investor participation indicates quality recognition.
Analysis: High institutional holding often signals thorough due diligence and quality business fundamentals.
Risk Factors
5 factors identified
Elevated Debt Levels (D/E: 1.89)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (2.41x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Negative Free Cash Flow (₹-4464.62 Cr over 5Y)
Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.
Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.
High Share Pledging Risk (96.96%)
Observation: Significant promoter share pledging creates potential overhang.
Analysis: High pledging levels may create selling pressure during market downturns or margin calls.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Financial Statements
Comprehensive financial data for India Shelter Finance Corporation Limited
About INDIASHLTR
Business Overview
India Shelter Finance Corporation Limited operates as a housing finance company in India. The company offers home loan, purchase and home construction loan, home renovation loan, and loan against property. The company was formerly known as Satyaprakash Housing Finance India Limited and changed its name to India Shelter Finance Corporation Limited in March 2010. India Shelter Finance Corporation Limited was incorporated in 1998 and is headquartered in Gurugram, India.
Company Details
Key Leadership
Corporate Events
INDIASHLTR Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of India Shelter Finance Corporation Limited (INDIASHLTR)?
As of 30 Jan 2026, 01:35 pm IST, India Shelter Finance Corporation Limited (INDIASHLTR) is currently trading at ₹802.55. The stock has a market capitalization of ₹9.43K (Cr).
Is INDIASHLTR share price Overvalued or Undervalued?
INDIASHLTR is currently trading at a P/E ratio of 21.19x, compared to the industry average of 18.03x. Based on this relative valuation, the stock appears to be Overvalued against its sector peers.
What factors affect the India Shelter Finance Corporation Limited share price?
Key factors influencing INDIASHLTR's price include its quarterly earnings growth (Sales Growth: 30.69%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is India Shelter Finance Corporation Limited a good stock for long-term investment?
India Shelter Finance Corporation Limited shows a 5-year Profit Growth of 51.70% and an ROE of 15.07%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 1.89 before investing.
How does India Shelter Finance Corporation Limited compare with its industry peers?
India Shelter Finance Corporation Limited competes with major peers in the Housing Finance Company. Investors should compare INDIASHLTR's P/E of 21.19x and ROE of 15.07% against the industry averages to determine its competitive standing.
What is the P/E ratio of INDIASHLTR and what does it mean?
INDIASHLTR has a P/E ratio of 21.19x compared to the industry average of 18.03x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹21 for every ₹1 of annual earnings.
How is INDIASHLTR performing according to Bull Run's analysis?
INDIASHLTR has a Bull Run fundamental score of 44.3/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does INDIASHLTR belong to?
INDIASHLTR operates in the Housing Finance Company industry. This classification helps understand the competitive landscape and sector-specific trends affecting India Shelter Finance Corporation Limited.
What is Return on Equity (ROE) and why is it important for INDIASHLTR?
INDIASHLTR has an ROE of 15.07%, which indicates excellent management efficiency and profitable operations. Return on Equity measures how efficiently India Shelter Finance Corporation Limited generates profits from shareholders' equity.
How is INDIASHLTR's debt-to-equity ratio and what does it indicate?
INDIASHLTR has a debt-to-equity ratio of 1.89, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is INDIASHLTR's dividend yield and is it a good dividend stock?
INDIASHLTR offers a dividend yield of 0.58%, which means you receive ₹0.58 annual dividend for every ₹100 invested.
How has INDIASHLTR grown over the past 5 years?
INDIASHLTR has achieved 5-year growth rates of: Sales Growth 38.34%, Profit Growth 51.70%, and EPS Growth 26.10%.
What is the promoter holding in INDIASHLTR and why does it matter?
Promoters hold 47.71% of INDIASHLTR shares, with 96.96% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is INDIASHLTR's market capitalization category?
INDIASHLTR has a market capitalization of ₹9429 crores, placing it in the Mid-cap category.
How volatile is INDIASHLTR stock?
INDIASHLTR has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for INDIASHLTR?
INDIASHLTR has a 52-week high of ₹N/A and low of ₹N/A.
What is INDIASHLTR's operating profit margin trend?
INDIASHLTR has a 5-year average Operating Profit Margin (OPM) of 70.55%, indicating the company's operational efficiency.
How is INDIASHLTR's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 30.69% and YoY Profit Growth of 35.56%.
What is the institutional holding pattern in INDIASHLTR?
INDIASHLTR has FII holding of 8.02% and DII holding of 21.00%. Significant institutional holding often suggests professional confidence in the stock.