āagmanLoginNot investment advice. Data and computed figures, for information only.
India Shelter Finance Corporation Ltd
₹624.75
−₹3.45 (−0.55%)
NSE · 15 Oct 2026, close
Market Cap
₹7,145 Cr
CMP
₹624.75
52-wk High / Low
₹924 / 620
P/E
14.2
P/B
2.2
Book Value
₹294.0
Div Yield
1.53%
ROCE
12.8%
ROE
17.0%
Face Value
₹5
D/E
1.95
Price−29.1% over 1Y
āagman read
Computed by āagmanPiotroski F-Score
4
/ 9
4 of 9 F-score tests passed
Graham Number
₹553
√(22.5 × EPS × book value per share)
Cash flow to profit
−2.36
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Sustainable growth
13.3%
ROE × earnings retention ratio
ROE stability
1.7
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom −1.48FII −0.01DII +0.53
Latest quarter vs the previous one
Cash-accrual divergence
19.4%
of assets
Low = accruals track cash flow
Strengths
+PE of 14.2x is below the sector median of 20.4x
Watch-outs
−Price trades below its 200-day moving average (0.8x)
−Price is 32.4% below its 52-week high
−Balance-sheet accruals of 19.4% of average assets — earnings are not cash-backed
Peer comparison
| Name | P/E | Mar Cap ₹ Cr | ROCE % | ROE % |
|---|
Quarterly results
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 170 | 182 | 204 | 209 | 235 | 252 | 283 | 304 | 327 | 361 | 369 | 390 | 408 |
| Expenses | 51 | 57 | 59 | 61 | 67 | 73 | 79 | 85 | 83 | 97 | 98 | 113 | 110 |
| Operating Profit | — | — | — | — | — | — | — | — | — | — | — | — | — |
| OPM % | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Income | 8 | 6 | 7 | 10 | 10 | 9 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 56 | 68 | 72 | 74 | 75 | 77 | 85 | 92 | 102 | 106 | 110 | 114 | 115 |
| Depreciation | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 |
| Profit before tax | 68 | 61 | 77 | 81 | 100 | 108 | 117 | 124 | 140 | 155 | 158 | 160 | 180 |
| Net Profit | 53 | 47 | 60 | 62 | 78 | 84 | 90 | 96 | 108 | 119 | 122 | 124 | 138 |
| EPS (₹) | 12.10 | 10.73 | 6.69 | 5.82 | 7.28 | 7.79 | 8.39 | 8.92 | 10.02 | 11.07 | 11.26 | 11.42 | 12.65 |
Profit & Loss
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Sales | 317 | 448 | 585 | 830 | 1,166 | 1,529 |
| Expenses | 99 | 138 | 185 | 243 | 319 | 417 |
| Operating Profit | — | — | — | — | — | — |
| OPM % | — | — | — | — | — | — |
| Other Income | 6 | 12 | 21 | 32 | 10 | 0 |
| Interest | 106 | 149 | 211 | 289 | 356 | 446 |
| Depreciation | 5 | 7 | 8 | 10 | 12 | 12 |
| Profit before tax | 113 | 167 | 202 | 319 | 489 | 653 |
| Net Profit | 87 | 128 | 155 | 248 | 378 | 503 |
| EPS (₹) | 20.33 | 29.39 | 35.41 | 23.13 | 35.02 | 46.26 |
Balance Sheet
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Equity Capital | 43 | 44 | 44 | 54 | 54 | 54 |
| Reserves | 894 | 1,032 | 1,197 | 2,245 | 2,655 | 3,144 |
| Other Liabilities | 34 | 75 | 66 | 80 | 70 | 171 |
| Total Liabilities | 2,463 | 3,221 | 4,296 | 5,794 | 7,748 | 9,615 |
| Fixed Assets | 15 | 17 | 24 | 30 | 29 | 29 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 175 | 47 | 158 | 315 | 395 |
| Other Assets | 2,448 | 3,029 | 4,224 | 5,607 | 7,403 | 9,191 |
| Total Assets | 2,463 | 3,221 | 4,296 | 5,794 | 7,748 | 9,615 |
| Borrowing | 1,491 | 2,070 | 2,989 | 3,415 | 4,969 | 6,246 |
Cash Flows
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Cash from Operating Activity | −421 | −495 | −852 | −1,232 | −1,435 | −1,185 |
| Cash from Investing Activity | 77 | −186 | 162 | −236 | −61 | −105 |
| Cash from Financing Activity | 560 | 592 | 907 | 1,220 | 1,566 | 1,238 |
| Net Cash Flow | 216 | −89 | 217 | −249 | 70 | −53 |
Ratios
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| ROCE % | — | — | — | — | — | 12.8 |
| ROE % | 9.0 | 13.0 | 13.0 | 14.0 | 15.0 | 17.0 |
| EPS (₹) | 20.33 | 29.39 | 35.41 | 23.13 | 35.02 | 46.26 |
| Book Value (₹) | — | — | — | — | — | 294.0 |
| Face Value (₹) | — | — | — | — | — | 5 |
| P/E | — | — | — | — | — | 14.2 |
| Div Yield % | — | — | — | — | — | 1.53 |
| NPM % | 26.9 | 27.8 | 25.6 | 28.8 | 32.1 | 32.9 |
| OPM % | — | — | — | — | — | — |
| D/E | 1.59 | 1.92 | 2.41 | 1.49 | 1.83 | 1.95 |
| P/B | — | — | — | — | — | 2.2 |
Growth
Compounded sales growth
5 years+37.0%
3 years+38.0%
TTM+31.0%
Compounded profit growth
5 years+42.0%
3 years+48.0%
TTM+33.0%
Stock price CAGR
Last year−25.0%
Return on equity
5 years15.0%
3 years16.0%
Last year17.0%
Documents
Announcements
Closure of Trading WindowAnnouncement under Regulation 30 (LODR)-Allotment of ESOP / ESPSAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAnnouncement under Regulation 30 (LODR)-Allotment of ESOP / ESPSAnnouncement under Regulation 30 (LODR)-Earnings Call TranscriptCorporate actions
19 Jun 2026DIVIDENDDividend - Rs 10 Per Share—
4 Jul 2025DIVIDENDDividend - Rs 5 Per Share—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman