India Shelter Finance Corporation Limited
India Shelter Finance Corporation Limited operates as a housing finance company in India. The company offers home loan, purchase and home construction loan, home renovation loan, and loan against property. 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 Limited was incorporated in 1998 and is headquartered in Gurugram, India.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Strong 5-year revenue CAGR of 29.2%
Concerns0
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 7 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ1.17 K Cr | β | βΉ377.00 Cr | β | β | β | 40.5% | 52.6% |
| Mar 2024 | βΉ829.00 Cr | β | βΉ247.00 Cr | β | β | β | 42.0% | 59.4% |
| Mar 2023 | βΉ584.00 Cr | β | βΉ155.00 Cr | β | β | β | 30.4% | 21.1% |
| Mar 2022 | βΉ448.00 Cr | β | βΉ128.00 Cr | β | β | β | 41.3% | 47.1% |
| Mar 2021 | βΉ317.00 Cr | β | βΉ87.00 Cr | β | β | β | 37.8% | 85.1% |
| Mar 2020 | βΉ230.00 Cr | β | βΉ47.00 Cr | β | β | β | 33.7% | 67.9% |
| Mar 2019 | βΉ172.00 Cr | β | βΉ28.00 Cr | β | β | β | β | β |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue | 1,361 |
| Finance Costs | 410 |
| Total Expenses | 363 |
| Financing Profit | 588 |
| Financing Margin % | 43% |
| Other Income | 0 |
| Depreciation & Amortisation | 12 |
| Profit Before Tax | 576 |
| Tax % | - |
| Net Profit / PAT | 445 |
| EPS (βΉ) | 41.20 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| India Shelter Finance Corporation Limitedthis co. | βΉ8.51 K Cr | βΉ1.17 K Cr | 19.10 | 2.91 | 0.00 | 40.5% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |