India Shelter Finance Corporation (INDIASHLTR) Fair Value & Analysis
Financial Services · IN · Market cap ₹84.1B
Fair value as of: Jul 3, 2026
From 26 valuation models · updated yesterday
Share price +2.5% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹644.34 – ₹967.33 · fair‑value band ₹308.60 – ₹1,597 · the ₹772.50 price screens above the ₹600.89 fair value. As of Jul 3, 2026.
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India Shelter Finance Corporation (INDIASHLTR) currently trades at ₹772.50, while our model-based Fair Value estimate is ₹600.89 — implying the stock looks roughly 22.2% overvalued today. We read business quality at 55/100 (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 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 Jul 3, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.
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. 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.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
India Shelter Finance Corporation 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.
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Similar stocks
6 more Mortgage Finance stocks, each showing price versus our Fair Value estimate (as of Jul 3, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCCT | $16.65 | $30.59 | +84% |
| Rocket Companies, Inc RKT | $13.34 | $3.90 | -71% |
| Federal National Mortgage Association FNMAS | $11.65 | $23.30 | +100% |
| Bajaj Housing Finance Limited BAJAJHFL | ₹84.14 | ₹52.91 | -37% |
| PennyMac Financial Services, Inc PFSI | $79.81 | $125.45 | +57% |
| LIC Housing Finance Limited LICHSGFIN | ₹553.70 | ₹1,107 | +100% |
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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.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.