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India Shelter Finance Corporation Limited

India Shelter Finance Corporation Limited

INDIASHLTR.BO
India Shelter Finance Corporation LimitedIN flagBombay Stock Exchange
774.25
INR
+4.15
- -
84.23BMarket Cap
India Shelter Finance Corporation Limited
INDIASHLTR.BO
(Bombay Stock Exchange)

Recent

price

774.25

P/E

ratio

- -

div

yld

- -

ROIC.AI

2021
2022
2023
2024
2025
2026
TTM
FRC
24.84
34.69
46.39
72.48
98.38
127.21
107.51
Revenue per Share
8.16
12
14.51
26.32
35.1
46.63
38.43
Basic EPS, GAAP
-39.48
-46.74
-80.2
-131.64
-134.41
-110.45
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
4.98
- -
Dividend per Share
19.54
29.21
40.83
68.56
88.25
5.02
- -
Book Value per Share
87.45
100.48
115.84
244.28
252.06
295.07
- -
Tangible Book Value per Share
107
107
107
94
107
108
108
Basic Weighted Avg Shares
2,659
3,714
4,966
6,820
10,568
13,779
11,571
Sales/Revenue/Turnover
29.68
25.51
22.57
24.5
37.52
39.41
38.63
Operating Margin (%)
51
65
82
99
116
124
116
Depreciation Expense
874
1,284
1,553
2,476
3,770
5,051
4,136
Net Income, GAAP
22.64
23.04
23.08
22.43
22.75
22.89
22.85
Effective Tax Rate (%)
32.87
34.59
31.28
36.31
35.68
36.66
35.74
Profit Margin (%)
-5,820
-7,781
3,029
3,770
2,804
88,652
- -
Working Capital
4,281
6,438
22,740
26,494
38,836
62,460
- -
LT Debt
9,373
10,761
12,405
22,987
27,087
31,981
- -
Total Equity
- -
2.61
2.34
2.61
4.57
4.89
- -
Return on Invested Capital (%)
- -
6.33
5.39
6.66
7.62
8.27
15.52
Return on Capital (%)
- -
49.23
41.44
45.76
47.34
100.78
- -
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
ST Debt
- -
10,854
- -
LT Borrowings
- -
38,836
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
108
- -
Market Capitalization
75,626
88,710
94,652

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
Total Current Assets
- -
14,343
- -
Cash, Cash Equivalents & STI
- -
5,749
- -
Accounts Receivable, Net
- -
4
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
11,539
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
10,854
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
30.26%
18.07%
Free Cash Flow
- -
26.73%
-17.14%
Net Income, GAAP
- -
42.71%
33.95%
Sales/Revenue/Turnover
- -
39.22%
30.38%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,601
1,778
1,865
1,576
6,820
2025
2,244
2,530
2,744
3,059
10,568
2026
3,238
3,467
3,753
- -
13,779

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4.4
5.63
6.75
- -
26.32
2025
7.8
8.4
8.94
10.01
35.1
2026
11.07
11.44
12.89
- -
46.63

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
4.98
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Business
India Shelter Finance Corporation Limited India Shelter Finance Corporation Limited is a housing finance company that provides affordable home loans and loans against property to low- and middle-income customers, primarily self-employed individuals with informal income documentation, targeting first-time homebuyers in underserved markets across India. The company offers home purchase loans, home construction loans on owned plots, home improvement and extension financing, and loans against property (LAP) up to Rs 30 lakh for tenures of up to 20 years; it operates through a network of over 290 branches in 15-16 states including Rajasthan, Chhattisgarh, Maharashtra, Madhya Pradesh, Haryana, Gujarat, and others. Incorporated in 1998 as Satyaprakash Housing Finance India Limited and renamed in 2010, India Shelter Finance Corporation Limited maintains its headquarters at 6th Floor, Plot No. 15, Sector-44, Gurugram, Haryana. Recent developments include a 31% year-on-year growth in assets under management to Rs 9,252 crore and 35% increase in profit after tax to Rs 122 crore as of Q2 FY26; addition of 9 branches to reach 299 locations; grant of 13.73 lakh stock options to employees under ESOP 2025 in November 2025; approval for private placement of Rs 200 crore secured non-convertible debentures at 7.85% in November 2025; and ICRA reaffirmation of AA-(Stable) ratings on term loans and NCDs in November 2025.