India Shelter Fin. Quarterly Results

Charts

YoY Net Sales (Quarterly)

Operating Margin

EPS Growth

POSITIVES

Consistent growth in net interest income showcases strong lending capabilities and demand.
Improved asset quality metrics indicate better credit management and risk assessment processes.
Expansion into new customer segments reflects strategic growth initiatives and market outreach.

NEGATIVES

Rising operating expenses may pressure net profit margins if not controlled.
Increased provisioning for bad loans suggests potential credit risks impacting future earnings.
Regulatory changes in the financial sector could impose additional compliance costs and constraints.

Field	Jun 23	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25	Sep 25
Revenue	182.02	203.97	208.87	234.76	251.54	282.56	304.25	327.29	361.22	369.21
Expenses	56.67	59.46	60.67	66.96	73.19	78.83	85.01	83.24	96.83	98.34
Operating Profit	125.35	144.51	148.20	167.80	178.35	203.73	219.24	244.05	264.38	270.87
Other Income	6	6.58	9.51	9.66	9.17	0.84	0.15	0.13	0.09	0.03
Interest	68.20	71.55	74.10	74.67	76.64	84.61	92.03	101.59	106.45	109.63
Depreciation	2.17	2.17	2.45	3.12	2.82	2.81	2.99	2.98	2.78	3.19
Profit Before Tax	60.98	77.38	81.16	99.67	108.07	117.16	124.37	139.60	155.24	158.07
Tax	13.85	17.15	18.84	21.74	24.54	27.08	28.23	31.47	35.79	36.03
Net Profit	47.13	60.22	62.31	77.93	83.53	90.08	96.14	108.13	119.45	122.04
Eps in Rs	5.38	6.73	6.75	7.28	7.80	8.40	8.94	10.03	11.07	11.29