India Shelter Finance Corporation Q1 FY27 Share Price & Earnings Call Analysis
- Market cap
- ₹6,850 Cr
- P/E
- 12.96
- ROE
- 17.11%
- PEG
- 0.27
- Price to sales
- 4.28
- Debt to equity
- 1.95
- 52W high / low
- ₹919 / ₹608
- Sales growth (5Y)
- 37.03%
- EBITDA margin
- 72.26%
- Net profit margin
- 33.02%
- Promoter holding
- 46.05%
- Sales (last year)
- ₹1,601 Cr
Incorporated in 1998, India Shelter Finance Corporation Limited is engaged in the business of housing finance. [1]
Guidance scorecard · Q1 FY27 call
What India Shelter Finance Corporation Ltd's management guided
and where it ranks in Finance
Finance
RevenueQ1 FY27 call
20–40%- Targeted AUM growth for FY27 is 25% to 30%, reaffirmed by management.
- Disbursement growth expected to cross 20% mark for the year, with July disbursements at Rs. 400 Cr under new cheque realization methodology.
- Planned branch additions of 40-45 branches during the year to support growth.
- Business trends remain strong with robust login and sanction pipelines.
- Growth is anticipated to accelerate in Q2 and Q3, with Q3 typically a stronger quarter.
2 more points from India Shelter Finance Corporation Ltd's call on revenue
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MarginsQ1 FY27 call
FlatSee what India Shelter Finance Corporation Ltd said on margins — free account, 30 seconds.
CapexQ1 FY27 call
Planned- Continued investment in expanding distribution network: planned branch addition of around 40-45 branches in the year.
- Strengthening technology capabilities, including adoption of conversational AI across functions for improved productivity, customer experience, and operational efficiency.
- Building organizational capabilities to capture opportunities in affordable housing finance market.
2 more points from India Shelter Finance Corporation Ltd's call on capex
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FundraisingQ1 FY27 call
See what India Shelter Finance Corporation Ltd said on fundraising — free account, 30 seconds.
Order bookQ1 FY27 call
Rising- AUM growth guidance: 25-30% expected for the ongoing financial year.
- Disbursement trends: INR 1,046 crores disbursed in Q1, with confidence to crossover 20% disbursement growth based on recent trends.
- Branch expansion plan: 40-45 branches planned, mostly opening in Q2 and Q3.
2 more points from India Shelter Finance Corporation Ltd's call on the order book
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Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.
Potential multibaggers · Q2 FY27
Potential multibaggers in Finance
on management's own guidance
- Strong growth2
- Strong growth1
- Strong growth3
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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.
Peers
Finance companies ranked on guidance
| # | Company | Revenue guided | Margin guided | Market cap | P/E |
|---|---|---|---|---|---|
| 1 | 40%+ | Up 2%+ | ₹2,742 Cr | 71.8 | |
| 2 | 40%+ | Up 2%+ | ₹464 Cr | 23.9 | |
| 3 | 40%+ | Up 0–2% | ₹961 Cr | 32.7 | |
| 4 | 40%+ | Flat | ₹23,820 Cr | 21.1 | |
| 5 | 40%+ | Flat | ₹16,498 Cr | 72.4 | |
| 6 | 40%+ | Flat | ₹15,549 Cr | — |
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Pro shows every company guiding 40%+ revenue growth →Full Finance rankingFinancials of India Shelter Finance Corporation Ltd
Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.
Financials of India Shelter Finance Corporation Ltd
Quarterly Results
Quarter-by-quarter operating performance
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 170 | 182 | 204 | 209 | 235 | 252 | 283 | 304 | 327 | 361 | 369 | 390 | 408 |
| Interest | 56 | 68 | 72 | 74 | 75 | 77 | 85 | 92 | 102 | 106 | 110 | 114 | 115 |
| Expenses + | 51 | 57 | 59 | 61 | 67 | 73 | 79 | 85 | 83 | 97 | 98 | 113 | 110 |
| Financing Profit | 63 | 57 | 73 | 74 | 93 | 102 | 119 | 127 | 142 | 158 | 161 | 163 | 183 |
| Financing Margin % | 37% | 31% | 36% | 35% | 40% | 40% | 42% | 42% | 44% | 44% | 44% | 42% | 45% |
| Other Income + | 8 | 6 | 7 | 10 | 10 | 9 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
| 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 |
| Tax % | 22% | 23% | 22% | 23% | 22% | 23% | 23% | 23% | 23% | 23% | 23% | 22% | 24% |
| Net Profit + | 53 | 47 | 60 | 62 | 78 | 84 | 90 | 96 | 108 | 119 | 122 | 124 | 138 |
| EPS in Rs | 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 |
| Gross NPA % | 1.13% | 1.09% | 1.20% | 0.97% | 1.14% | 1.24% | 1.25% | 0.99% | 1.24% | 1.25% | 1.54% | 1.25% | |
| Net NPA % | 0.85% | 0.80% | 0.90% | 0.73% | 0.86% | 0.94% | 0.94% | 0.75% | 0.95% | 0.94% | 1.16% | 0.93% |
Financials of India Shelter Finance Corporation Ltd
Profit & Loss
Annual income statement trend
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Revenue + | 317 | 448 | 585 | 830 | 1,166 | 1,528 |
| Interest | 106 | 149 | 211 | 289 | 356 | 445 |
| Expenses + | 99 | 138 | 185 | 243 | 319 | 418 |
| Financing Profit | 112 | 162 | 189 | 298 | 491 | 665 |
| Financing Margin % | 35% | 36% | 32% | 36% | 42% | 44% |
| Other Income + | 6 | 12 | 21 | 32 | 10 | 0 |
| Depreciation | 5 | 7 | 8 | 10 | 12 | 12 |
| Profit before tax | 113 | 167 | 202 | 319 | 489 | 653 |
| Tax % | 23% | 23% | 23% | 22% | 23% | 23% |
| Net Profit + | 87 | 128 | 155 | 248 | 378 | 503 |
| EPS in Rs | 20.33 | 29.39 | 35.41 | 23.13 | 35.02 | 46.26 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 14% | 22% |
Financials of India Shelter Finance Corporation Ltd
Balance Sheet
Capital structure and asset base
| 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 |
| Borrowing | 1,491 | 2,070 | 2,989 | 3,415 | 4,969 | 6,246 |
| 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 |
Financials of India Shelter Finance Corporation Ltd
Cash Flows
Operating, investing and financing cash movement
| 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 |
| Free Cash Flow | -423 | -500 | -858 | -1,238 | -1,443 | -1,196 |
| CFO/OP | -183% | -151% | -201% | -197% | -157% | -95% |
Financials of India Shelter Finance Corporation Ltd
Ratios
Working capital efficiency and return ratios
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| ROE % | 9% | 13% | 13% | 14% | 15% | 17% |
Guidance history
How India Shelter Finance Corporation Ltd's guidance has moved, call by call
| Call | Revenue | Margins | Capex | Fundraising | Order book |
|---|---|---|---|---|---|
| Q1 FY27 call → | 20–40% | Flat | Planned | — | Rising |
| Q4 FY26 call → | 20–40% | Flat | Planned | Planned | Rising |
| Q3 FY26 call → | 20–40% | Flat | Planned | Planned | — |
| Q2 FY26 call → | 20–40% | Flat | Planned | — | — |
What management guided on each call, newest first. Not investment advice, and not a forecast of returns.
Momentum score · price trend
11 out of 100 — Cooling
Over the past year its share price has done worse than most of the stocks we track.
| Period | Share price change | Better than … of 1,910 stocks |
|---|---|---|
| Last 12 months | −28.7% | 24% |
| Last 6 months | −22.5% | 15% |
| Last 3 months | −12.7% | 33% |
The price is 35.5% below its all-time high of ₹973.65 (18 Jul 2025). Stocks more than 20% below their peak have their score halved, so 22 became 11.
How we calculate it
“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).
The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For India Shelter Finance Corporation Ltd: 0.4 × 24 + 0.4 × 15 + 0.2 × 33 = 22, halved to 11 because the price is more than 20% below its all-time high.
Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.
Full methodology →This describes only how the share price has moved up to 29 Oct 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.
Continue your research
What India Shelter Finance Corporation Ltd's management said in earlier quarters
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