INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of INDIA SHELTER FINANCE CORPORATION LIMITED ₹300, price ₹646, upside -53.6%, quality 59 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 2, 2026.
How to read this chart
33‑month range ₹518.94 – ₹989.06 · fair‑value band ₹256.94 – ₹734.84 · the ₹645.60 price screens above the ₹299.59 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 2, 2026.
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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.
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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.
Stock analysis
INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR) currently trades at ₹645.60, while our model-based Fair Value estimate is ₹299.59, 53.6% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of ₹1,613 per share, and 4 of the 13 models we run sit above the ₹645.60 price.
Bear case: the Dividend Discount group reads lowest at ₹63.20, and 9 of the 13 models stay below the price. Evidence for this calculation is high.
Scenario range: ₹256.94 (bear) to ₹734.84 (bull), the price of ₹645.60 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 59/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
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.
Key figures
Market cap ₹70.7B (≈ $734M) · P/E ratio 13.6 · P/S ratio 4.49 · EPS (TTM) ₹47.35 · Dividend yield 1.5% · Net margin 32.9% · Return on equity 17.0% · Return on assets (EBIT) 4.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 29% below its 52-week high and 3% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 21% fair-value upside, at −54%, INDIASHLTR screens richer than that median.
Fair Value models
Bear ₹256.94Fair Value ₹299.59Bull ₹734.84
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then (₹37.35 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+53.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+45.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+41.9%
Start year 2020 (pandemic)
Revenue growth 9 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+40.9%
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What shareholders gained per year (last 5 years), in INR (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+42.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+41.4%
Dividend (yield on the price)1.5%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.40.7% vs 28.8%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.30% → 45%
2025 sits 79% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Start year 2020 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes less growth than the company has delivered so far and more than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+23.0%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+8.6%
Yearly sales growth analysts expect, extended to five years.
After inflation (India: IMF forecast 4.1% a year to 2030, 4.7% from 2016 to 2025) that is about +18.1% a year for the price and +4.3% for the forecasts.
Compare INDIA SHELTER FINANCE CORPORATION LIMITED with another stock
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.Mortgage Finance · 90 stocks
Beats the industry median on 5/14 measures
Overall it trails its industry peers.
Valuation
Quality Score60 · Top 25%
Fair Value upside−53.6% · Below median
Profitability
Return on equity (TTM)17.0% · Top 25%
Return on assets5.8% · Top 25%
Net margin (TTM)48.0% · Below median
Operating margin (TTM)62.2% · Below median
Growth and dividend
Revenue growth21.8% · Above median
Dividend yield (TTM)1.5% · Bottom 25%
Balance sheet
Debt / equity1.95× · Above median
Valuation Multiplesvs Mortgage Finance median · lower = cheaper
P/E (TTM)13.6× · Cheaper than median
P/B2.21× · Priciest 25%
P/S (TTM)6.44× · Priciest 25%
P/FCF12.0× · Pricier than median
EV/EBITDA19.7× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 15
FUTURE (revenue growth)100· sector 84
PAST (return on equity)68· sector 36
HEALTH (low debt)2· sector 24
DIVIDEND (yield)31· sector 100
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR) overvalued or undervalued?
As of Oct 2, 2026, our model estimates a fair value of ₹299.59 versus a price of ₹645.60, about −54% upside (overvalued).
What is the fair value of INDIASHLTR?
Our model-based fair value for INDIA SHELTER FINANCE CORPORATION LIMITED is ₹299.59 (as of Oct 2, 2026), built from audited fundamentals. The current price: ₹645.60.
What is the quality score of INDIASHLTR?
INDIA SHELTER FINANCE CORPORATION LIMITED has a Quality Score of 59/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR)?
Our model-based price target is the fair value of ₹299.59 (as of Oct 2, 2026) from 13 valuation models. Cautious scenario ₹256.94, optimistic scenario ₹734.84. It is a calculation from audited fundamentals, not an analyst target.
What is the INDIA SHELTER FINANCE CORPORATION LIMITED stock forecast for 2026?
Our models put fair value at ₹299.59, about −54% upside versus a price of ₹645.60 (overvalued). Cautious scenario ₹256.94, optimistic scenario ₹734.84. The calculation is refreshed regularly with new filings.
What is the revenue of INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR)?
INDIA SHELTER FINANCE CORPORATION LIMITED reported trailing-twelve-month revenue of about ₹11.0B (latest available figure, as of Oct 2, 2026).
Does INDIA SHELTER FINANCE CORPORATION LIMITED pay a dividend?
INDIA SHELTER FINANCE CORPORATION LIMITED currently shows a dividend yield of about 1.55% relative to its recent price (as of Oct 2, 2026).
What growth is priced into INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR)?
For today's price to be fair in a discounted-cash-flow model, INDIA SHELTER FINANCE CORPORATION LIMITED would have to grow free cash flow by +23.0 % per year for five years (discount rate 13.9 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +41.9 % per year. As of Oct 2, 2026.
What discount rate (WACC) does the fair value of INDIASHLTR use?
Our models discount INDIA SHELTER FINANCE CORPORATION LIMITED at 13.9 %: a base by market capitalisation (small), country premium for India. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For INDIA SHELTER FINANCE CORPORATION LIMITED that is +23.0 % per year a year over ten years, using the same discount rate (13.9 %) and the same formula as our fair value.
How much growth has INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR) delivered so far?
Over the past 5 years revenue at INDIA SHELTER FINANCE CORPORATION LIMITED grew +41.9 % a year. The price currently implies +23.0 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR) growing?
The median revenue growth in the sector is +9.3 % a year. That is the yardstick for the growth priced into INDIA SHELTER FINANCE CORPORATION LIMITED (+23.0 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR)?
The free-cash-flow yield on the price is 8.36 %: that much free cash flow INDIA SHELTER FINANCE CORPORATION LIMITED produces per unit of market value. When it exceeds the discount rate of our models (13.9 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For INDIA SHELTER FINANCE CORPORATION LIMITED it is ₹299.59 per share (as of Oct 2, 2026), against a price of ₹645.60. It is the blended result of 13 valuation models (cash flow, earnings, asset, dividend).
Is INDIA SHELTER FINANCE CORPORATION LIMITED stock overvalued or undervalued in 2026?
As of Oct 2, 2026, INDIASHLTR trades above its calculated fair value: price ₹645.60, fair value ₹299.59, a gap of about −54% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of INDIASHLTR?
No. The price is what the market pays today (₹645.60); the fair value is what the company's own numbers justify (₹299.59). For INDIA SHELTER FINANCE CORPORATION LIMITED the two are ₹346.01 per share apart. That gap is exactly why we show both numbers side by side.
How much is INDIA SHELTER FINANCE CORPORATION LIMITED worth?
The market values INDIA SHELTER FINANCE CORPORATION LIMITED at about ₹70.7B (market capitalisation, as of Oct 2, 2026). Per share that is ₹645.60; our models calculate a fair value of ₹299.59 per share.
What do the bullish and bearish scenarios say about INDIASHLTR?
Our models span a range for INDIA SHELTER FINANCE CORPORATION LIMITED: cautious scenario ₹256.94, base ₹299.59, optimistic ₹734.84 per share (as of Oct 2, 2026, price ₹645.60). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of INDIASHLTR?
INDIA SHELTER FINANCE CORPORATION LIMITED trades at a price-to-earnings ratio of 13.6 (as of Oct 2, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹299.59 is built from several models across several years. Other multiples: P/B 2.2, P/S 6.4, EV/EBITDA 19.7.
How solid is the balance sheet of INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR)?
Balance-sheet figures for INDIA SHELTER FINANCE CORPORATION LIMITED (as of Oct 2, 2026): return on equity 17.0%, debt of 1.95 per unit of equity. They feed the Quality Score of 59/100, which measures business quality independently of the share price.
How far is INDIASHLTR from its 52-week high?
INDIA SHELTER FINANCE CORPORATION LIMITED trades at ₹645.60, about 29% below its 52-week high of ₹906.99 and 3% above the low of ₹628.90 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹299.59 is for.
Which stocks are comparable to INDIA SHELTER FINANCE CORPORATION LIMITED?
From the same area (Financial Services) we also value Federal Home Loan Mortgage Corporation, Rocket Companies, Inc, Federal National Mortgage Association, Bajaj Housing Finance Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is INDIA SHELTER FINANCE CORPORATION LIMITED stock attractive at the current price?
The data as of Oct 2, 2026: price ₹645.60, calculated fair value ₹299.59 (−54%), Quality Score 59/100, from 13 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of INDIASHLTR calculated?
We run INDIA SHELTER FINANCE CORPORATION LIMITED through 13 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹299.59, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. INDIA SHELTER FINANCE CORPORATION LIMITED itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR)?
The closing price on Oct 1, 2026 was ₹645.60. Our model-based fair value is ₹299.59, about −54% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with INDIA SHELTER FINANCE CORPORATION LIMITED right now?
The model range is unusually wide (₹256.94 to ₹734.84). 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.
Key figures of INDIA SHELTER FINANCE CORPORATION LIMITED
How large is the market capitalisation of INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR)?
The market capitalisation of INDIA SHELTER FINANCE CORPORATION LIMITED is ₹70.7B (≈ $734M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR)?
The price-to-sales ratio of INDIA SHELTER FINANCE CORPORATION LIMITED is 4.49 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR)?
Earnings per share at INDIA SHELTER FINANCE CORPORATION LIMITED are ₹47.35 (price ÷ EPS = P/E 13.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR)?
The dividend yield of INDIA SHELTER FINANCE CORPORATION LIMITED is 1.5% (payout 21.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR)?
The net margin of INDIA SHELTER FINANCE CORPORATION LIMITED is 32.9% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR)?
The return on equity (ROE) of INDIA SHELTER FINANCE CORPORATION LIMITED is 17.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR)?
On an EBIT basis the return on assets of INDIA SHELTER FINANCE CORPORATION LIMITED is 4.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR)?
The operating margin of INDIA SHELTER FINANCE CORPORATION LIMITED is 62.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR)?
Revenue at INDIA SHELTER FINANCE CORPORATION LIMITED is growing +21.8% versus a year earlier (3y avg +45.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR)?
Earnings per share at INDIA SHELTER FINANCE CORPORATION LIMITED are growing +22.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR) carry?
The net debt of INDIA SHELTER FINANCE CORPORATION LIMITED is ₹60.5B (fiscal year 2025, ≈ 10.2 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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