Skip to content
thestock.space

As of 6 Nov 2026, India Shelter Finance Corporation trades at 12.6× trailing earnings, and the shares are 32% below their 52-week high. Its ROE of 17% is the second-highest among the 7 largest Mortgage Finance peers, and net profit grew 48% a year over 3 years. For banks and lenders, ROCE and debt-to-equity are not used; it trades at 2.12× book value and its dividend yield is 1.6%. It is a small-cap company with a market cap of ₹6,821 Cr, ranked 10th of 21 Mortgage Finance companies by market cap; the shares fell 28% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Jun 2026.How we calculate this

past year
Open
₹626.00
Day high
₹635.10
Day low
₹606.60
Prev. close
₹635.55
Volume
68.7K

Health check

1 good · 1 fair · 3 to check
  • ReturnsBehind

    −28.3% over a year, better than 0 of 7 peers.

  • Price tagPricier

    P/B 2.12 vs peer median 1.55.

  • GrowthStrong

    Profit +47.9% a year over 3 years.

  • ProfitabilityAverage

    ROE 17.0% vs peer median 14.3%.

  • Balance sheetn/a

    Asset quality (bad loans) isn’t in our data.

  • Red flags1 to check

    32% below its 52-week high.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Mortgage Finance

20 listed peers. Screen the industry

Small cap

₹6,821 Cr, #10 of 21 in its industry by size.

Market sensitivity

Measuring against the NIFTY 50…

Key metrics

Last 12 months to Jun 2026: sales ₹1,098 Cr · profit ₹527 Cr
Market cap
₹6,821 Cr
Small cap
P/E
12.6
Industry 12.2
Price to book
2.12
Peers 1.55
Dividend yield
1.57%
ROE
17.0%
Peers 14.3%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹49.73
Face value ₹5
OPM (TTM)
62.2%
Net margin 48.0%
Sales growth
n/m
Not meaningful for lenders
Profit growth
+19.9%
Latest quarter vs a year ago
Price to sales
6.21

Strengths and risks

Risks to check

  • 32% below its 52-week high.

No standout strengths in the headline numbers.

Derived automatically from reported figures. Not a recommendation.

About India Shelter Finance Corporation

India Shelter Finance Corporation Limited operates as a housing finance company in India. The company offers home, purchase and construction, and home renovation loans, as well as loans against property. It also provides secured retail home and home equity loans. The company was formerly known as Satyaprakash Housing Finance India Limited and changed its name to India Shelter Finance Corporation Limited in March 2010. India Shelter Finance Corporation…

Headquarters
Gurugram
Employees
4,800
Sector
Financial Services
ISIN
INE922K01024
Website
indiashelter.in

Price range

52 weeks

₹592.40₹924.00

Today

₹606.60₹635.10
Avg volume (3M)
97.6K
1-year return
minus 28.3%
From 52-week high
minus 32.4%

Analyst consensus

9 analysts
Strong buyMean target ₹940.33 plus 50.6%

Target range, with today’s price

Low ₹796.00High ₹1,152.00

Today’s price ₹624.40 is below the lowest analyst target.

Consensus from Yahoo Finance. Not a recommendation.

Peers · Mortgage Finance

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
BAJAJHFLBajaj Housing Finance80.00minus 3.80%66,63223.72.7712.4%2.2%26.7%0.00%minus 24.1%
LICHSGFINLIC Housing Finance536.00plus 1.32%29,4835.00.6714.3%1.8%24.7%1.87%minus 7.8%
PNBHOUSINGPNB Housing Finance1,100.20plus 0.02%28,69412.21.4212.3%2.5%29.9%0.73%plus 18.1%
AADHARHFCAadhar Housing Finance429.65minus 1.96%18,83616.12.4815.8%–26.2%0.00%minus 13.9%
SAMMAANCAPSammaan Capital132.27minus 1.12%16,343–0.57−35.0%––0.00%minus 28.2%
HOMEFIRSTHome First Finance Company India1,090.90minus 1.13%11,40818.52.4414.3%4.0%33.3%0.48%minus 7.7%
CANFINHOMECan Fin Homes748.95plus 0.72%9,9738.61.5519.4%2.6%20.5%2.14%minus 13.7%
INDIASHLTRIndia Shelter Finance Corporation624.40minus 1.75%6,82112.62.1217.0%–47.9%1.57%minus 28.3%
Median of 7 peers–−1.12%18,83614.21.5514.3%2.5%26.5%0.48%−13.7%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrMar 25Jun 25Sep 25Dec 25Mar 26Jun 26
306324–347375395
––––+22.7%+22.1%
182193–214217231
124130–133158164
40.6%40.3%–38.3%42.1%41.6%
0.10.1–000.1
32.8–3.33.13.1
1827.2−9.530.427.423.8
139155–160182185
22.5%23.1%–22.4%23.3%22.8%
108119–124140143
––––+29.8%+19.9%
9.6510.66–11.0212.5313.06

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
+47.9%
EPS CAGR 3Y
+45.8%
ROE
17.0%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
4976829991,300
–+37.3%+46.5%+30.1%
377505635808
120177364492
24.2%25.9%36.4%37.9%
55.884.359.464.7
1.52.23.93.1
8.29.911.612.4
35.87081.1112
202319489653
23.1%22.4%22.8%23.0%
155248378503
–+59.4%+52.6%+33.2%
14.5125.1833.9344.96

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
43.853.553.954.4
1,1972,2452,6553,144
2,9893,4154,9696,246
66.280.469.7171
4,2965,7947,7489,615
23.829.528.327
127112252306
517550575631
3,6275,1036,8938,652
4,2965,7947,7489,615

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
−852−1,232−1,435−1,185
162−236−61.4−105
9071,2201,5661,238
217−24970−52.6
−6.4−6.2−9.1−11.3
−859−1,239−1,444−1,196
–––−54

Shareholding pattern

Source: NSE filings
45.9%
promoters
  • Promoters45.91%
  • Public54.09%
  • As of 30 Sep 2026
QuarterSplitPromotersPublicPromoter change
30 Sep 202645.91%54.09%minus 0.14
30 Jun 202646.05%53.95%minus 1.49
31 Mar 202647.54%52.46%minus 0.06
31 Dec 202547.60%52.40%minus 0.11
30 Sep 202547.71%52.29%–

Major shareholders

NSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you