INDIASHLTRIndia Shelter Fin.

₹886.6-0.01%

Market Cap

₹9,616.28 Cr

Stock P/E

21.57

ROCE

12.74%

ROE

15.22%

Book Value

₹258.56

Financials

YoY Net Sales

EPS Growth

Operating Margin

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Shareholding

Holdings

Distribution

Promoter

Foreign Investors

Domestic Investors

Public

From Last Concall

POSITIVES

•
AUM growth remained strong in Q1FY26, with 34% YoY expansion to Rs 8,712 crore, underscoring scale-up momentum.
•
Profitability strengthened, with PAT at Rs 119 crore (+43% YoY) and ROE at 17.2% (annualized), signaling improved efficiency and capital returns.

NEGATIVES

•
Asset-quality stress evident in 30+ DPD, signaling potential downside risk in collections and credit costs.
•
Stage 3 delinquencies and higher ECL provisioning raise near-term credit-cost headwinds.

Peers Summary

Sector Leader

India Shelter Finance Corporation Ltd. stands out with robust revenue growth and profitability metrics, showcasing strong performance relative to its peers. While some companies exhibit higher returns, India's Shelter's valuation metrics indicate it remains a compelling investment opportunity in the housing finance sector.

Key Points

• India Shelter Finance Corporation Ltd. leads in revenue growth (YoY: 40.5%, 3-Year: 196.99%) and profitability (PAT Margin: 32.42%).
• LIC Housing Finance Ltd. is the best value pick with a low PE ratio of 5.71 and strong profitability (ROE: 16.05%).
• Bajaj Housing Finance Ltd. shows financial weakness with a high debt-to-equity ratio (4.16) and negative revenue growth over three years.

Top Performers

India Shelter Finance Corporation Ltd.

Highest revenue growth (YoY: 40.5%) and strong profitability (PAT Margin: 32.42%).

LIC Housing Finance Ltd.

Best value pick with lowest PE ratio of 5.71 and solid ROE of 16.05%.

Housing & Urban Development Corporation Ltd.

High EBITDA margin (99.26%) and strong ROE (15.67%), making it an attractive option.

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