WEBSITE BSE:544044 NSE : INDIASHLTR 10 May, 16:01
Market Cap ₹6480 Cr.
Stock P/E 23.4
P/B 2.8
Current Price ₹605.3
Book Value ₹ 214.7
Face Value 5
52W High ₹723
Dividend Yield 0%
52W Low ₹ 519
India Shelter Finance Corporation started in 1998. They are known for affordable home loans. They give loans for building, buying, extending, and renovating homes. They also give loans against property. They work in 15 states. They have helped over 15,000 families. They have given more than Rs.480 Crores in loans. They want to help people in small towns own homes. They focus on Tier-2 and Tier-3 cities. They are careful with their money. Anil Mehta started the company. They have 180 branches. They use both online and offline ways to talk to customers. This mix of old and new ways is key to their success. They want to serve their customers well. They also want to help the places they work in. This will help them grow in the future.
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2022 | Dec 2022 | Mar 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|---|
| Operating Revenue | 140 | 150 | 170 | 204 | 209 | 235 |
| Other Income | 4 | 6 | 8 | 7 | 10 | 10 |
| Total Income | 144 | 156 | 177 | 211 | 218 | 244 |
| Total Expenditure | 45 | 44 | 51 | 59 | 61 | 67 |
| Operating Profit | 99 | 113 | 126 | 151 | 158 | 177 |
| Interest Expense | 50 | 58 | 56 | 72 | 74 | 75 |
| Depreciation | 2 | 2 | 2 | 2 | 2 | 3 |
| Profit Before Tax | 47 | 53 | 68 | 77 | 81 | 100 |
| Provision for Tax | 11 | 12 | 15 | 17 | 19 | 22 |
| Profit After Tax | 36 | 40 | 53 | 60 | 62 | 78 |
| Adjustments | 0 | 0 | 0 | -0 | 0 | 0 |
| Profit After Adjustments | 36 | 40 | 53 | 60 | 62 | 78 |
| Adjusted Earnings Per Share | 8.2 | 7.5 | 6.1 | 6.7 | 5.8 | 7.3 |
| #(Fig in Cr.) | Mar 2021 | Mar 2022 | Mar 2023 | TTM |
|---|---|---|---|---|
| Operating Revenue | 317 | 448 | 585 | 818 |
| Other Income | 6 | 12 | 22 | 35 |
| Total Income | 323 | 460 | 606 | 850 |
| Total Expenditure | 97 | 135 | 183 | 238 |
| Operating Profit | 225 | 325 | 423 | 612 |
| Interest Expense | 107 | 152 | 213 | 277 |
| Depreciation | 5 | 7 | 8 | 9 |
| Profit Before Tax | 113 | 167 | 202 | 326 |
| Provision for Tax | 26 | 38 | 47 | 73 |
| Profit After Tax | 87 | 128 | 155 | 253 |
| Adjustments | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 87 | 128 | 155 | 253 |
| Adjusted Earnings Per Share | 20.3 | 29.4 | 35.5 | 25.9 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 31% | 0% | 0% | 0% |
| Operating Profit CAGR | 30% | 0% | 0% | 0% |
| PAT CAGR | 21% | 0% | 0% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | NA% | NA% | NA% | NA% |
| ROE Average | 14% | 12% | 12% | 12% |
| ROCE Average | 11% | 11% | 11% | 11% |
| #(Fig in Cr.) | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|
| Shareholder's Funds | 937 | 1076 | 1241 |
| Minority's Interest | 0 | 0 | 0 |
| Borrowings | 1491 | 2070 | 2989 |
| Current Liability | 30 | 66 | 61 |
| Other Liabilities & Provisions | -6 | 7 | 2 |
| Total Liabilities | 2453 | 3218 | 4293 |
| Loans | 0 | 0 | 0 |
| Investments | 0 | 0 | 42 |
| Fixed Assets | 15 | 17 | 24 |
| Other Loans | 0 | 0 | 0 |
| Other Non Current Assets | 0 | 0 | 0 |
| Current Assets | 2435 | 3197 | 4220 |
| Total Assets | 2453 | 3218 | 4293 |
| #(Fig in Cr.) | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|
| Opening Cash & Cash Equivalents | 17 | 233 | 144 |
| Cash Flow from Operating Activities | -421 | -495 | -852 |
| Cash Flow from Investing Activities | 77 | -186 | 162 |
| Cash Flow from Financing Activities | 560 | 592 | 907 |
| Net Cash Inflow / Outflow | 216 | -89 | 217 |
| Closing Cash & Cash Equivalent | 233 | 144 | 361 |
| # | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|
| Earnings Per Share (Rs) | 20.33 | 29.39 | 35.49 |
| CEPS(Rs) | 21.52 | 30.88 | 37.37 |
| DPS(Rs) | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 216.8 | 244.31 | 279.66 |
| Net Profit Margin | 27.59 | 28.67 | 26.58 |
| Operating Margin | 69.55 | 71.08 | 71.04 |
| PBT Margin | 35.67 | 37.26 | 34.55 |
| ROA(%) | 3.56 | 4.53 | 4.14 |
| ROE(%) | 9.38 | 12.85 | 13.56 |
| ROCE(%) | 9.07 | 11.42 | 11.26 |
| Price/Earnings(x) | 0 | 0 | 0 |
| Price/Book(x) | 0 | 0 | 0 |
| Dividend Yield(%) | 0 | 0 | 0 |
| EV/Net Sales(x) | 3.54 | 3.98 | 4.32 |
| EV/Core EBITDA(x) | 4.97 | 5.49 | 5.96 |
| Interest Earned Growth(%) | 0 | 41.45 | 30.48 |
| Net Profit Growth | 0 | 46.98 | 20.94 |
| EPS Growth(%) | 0 | 44.53 | 20.78 |
| Interest Coverage(x) % | 2.05 | 2.1 | 1.95 |
| # | Dec 2023 | Mar 2024 |
|---|---|---|
| Promoter | 48.3 | 48.3 |
| FII | 5.84 | 5.28 |
| DII | 12.62 | 16.09 |
| Public | 33.25 | 30.33 |
| Others | 0 | 0 |
| Total | 100 | 100 |
| # | Dec 2023 | Mar 2024 |
|---|---|---|
| Promoter | 5.17 | 5.17 |
| FII | 0.62 | 0.57 |
| DII | 1.35 | 1.72 |
| Public | 3.56 | 3.25 |
| Others | 0 | 0 |
| Total | 10.71 | 10.71 |
Pros
Cons
* 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.
Sell or Purchase Share (Tentative Price)
| Companies | Open Date | Close Date | Issue Price | Cost of 1 Lot | GMP | Expected Listing | Listing Gain(%) | Listing Price | Current Price | Type | Exchange |
|---|
| Companies | Open Date | Close Date | Issue Price | Cost of 1 Lot | GMP | Expected Listing | Listing Gain(%) | Listing Price | Current Price | Type | Exchange |
|---|
| Companies | Open Date | Close Date | Issue Price | Cost of 1 Lot | GMP | Expected Listing | Listing Gain(%) | Listing Price | Current Price | Type | Exchange |
|---|
| Companies | Open Date | Close Date | Issue Price | Cost of 1 Lot | GMP | Expected Listing | Listing Gain(%) | Listing Price | Current Price | Type | Exchange |
|---|
| Companies | Open Date | Close Date | Issue Price | Cost of 1 Lot | GMP | Expected Listing | Listing Gain(%) | Listing Price | Current Price | Type | Exchange |
|---|
You May Also Know About
