INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR) Fair Value & Analysis
Financial Services · IN · Market cap ₹84.1B
Fair value as of: Aug 13, 2026
From 13 valuation models · updated 4 days ago
Share price −17.2% over the past month.
A solid business, but screening 14% overvalued on our models.
What matters now
- The model range is unusually wide (₹273.35 to ₹839.22). The outcome hinges heavily on assumptions, so read the point estimate with caution.
- Solid but not exceptional quality (59/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (3 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
32‑month range ₹518.94 – ₹989.06 · fair‑value band ₹273.35 – ₹839.22 · the ₹674.75 price screens above the ₹583.05 fair value. Dashed = 300-day average. As of Aug 13, 2026.
Analysis
INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR) currently trades at ₹674.75, while our model-based Fair Value estimate is ₹583.05, implying the stock looks roughly 13.6% overvalued today. The Quality Score stands at 59/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, INDIA SHELTER FINANCE CORPORATION LIMITED generated revenue of ₹10.4B at a net margin of 48.2%. Revenue grew 28.0% year over year. It earns a return on equity of 17.0%. Net debt stands at ₹60.5B. Fundamentals as of Aug 13, 2026
Our scenario range runs from ₹273.35 (bear case) to ₹839.22 (bull case); at ₹674.75, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 32% below its 52-week high and 5% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -35% fair-value upside, at -14%, INDIASHLTR screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 13 models by family
Widest divergence: Earnings-Based (₹1,618) versus Dividend Discount (₹79.81). Highest evidence: Growth DCF (80).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 57 · Market factors (momentum, volatility) 38
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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 Limited was incorporated in 1998 and is based in Gurugram, India.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
INDIA SHELTER FINANCE CORPORATION LIMITED reported revenue of ₹15.3B in FY2025 versus ₹3.7B in FY2021, a compound +42.4%/yr. Reported net income was ₹5.0B in FY2025, compounding +40.7%/yr from FY2021.
INDIASHLTR screens 14% overvalued. Compare with Federal Home Loan Mortgage Corporation →
Peer Group
Mortgage Finance · 91 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Mortgage Finance median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Mortgage Finance stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCCT | $15.00 | $30.00 | +100% |
| Rocket Companies, Inc RKT | $14.05 | $10.56 | -25% |
| Federal National Mortgage Association FNMAS | $10.06 | $2.01 | -80% |
| Bajaj Housing Finance Limited BAJAJHFL | ₹84.75 | ₹39.96 | -53% |
| LIC Housing Finance Limited LICHSGFIN | ₹502.00 | ₹1,004 | +100% |
| PNB Housing Finance Limited PNBHOUSING | ₹1,165 | ₹762.89 | -35% |
| Aadhar Housing Finance Limited AADHARHFC | ₹502.00 | ₹325.75 | -35% |
| Aptus Value Housing Finance India Limited APTUS | ₹254.75 | ₹244.80 | -4% |
| Home First Finance Company HOMEFIRST | ₹1,181 | ₹455.73 | -61% |
| Aavas Financiers Limited AAVAS | ₹1,416 | ₹675.38 | -52% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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