India Shelter Finance Corporation (INDIASHLTR) Fair Value & Analysis
Financial Services · IN · Market cap ₹73.3B
Strengths
Risks
Fair value as of: Aug 21, 2026
From 7 valuation models · updated today
Share price −17.3% over the past month.
Below-average quality, and screening another 11% overvalued on our models.
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- Our model range runs from ₹450.20 (bear) to ₹717.88 (bull), base ₹600.27. The closer the price sits to the lower half, the larger the margin of safety.
- Quality 46/100 (below-average quality) with high evidence: the data supports the verdict.
Price vs Fair Value (3 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 21, 2026.
How to read this chart
32‑month range ₹526.58 – ₹1,004 · fair‑value band ₹450.20 – ₹717.88 · the ₹675.05 price screens above the ₹600.27 fair value. Dashed = 300-day average. As of Aug 21, 2026.
Analysis
India Shelter Finance Corporation (INDIASHLTR) currently trades at ₹675.05, while our model-based Fair Value estimate is ₹600.27, implying the stock looks roughly 11.1% overvalued today. The Quality Score stands at 46/100 (below-average 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 ₹11.0B at a net margin of 48.0%. Revenue grew 21.8% year over year. It earns a return on equity of 17.0%. Net debt stands at ₹61.2B. Fundamentals as of Aug 21, 2026
Our scenario range runs from ₹450.20 (bear case) to ₹717.88 (bull case); at ₹675.05, 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 30% 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 -11%, 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 7 models by family
Widest divergence: Earnings-Based (₹1,616) versus Asset-Based (₹196.64). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 21, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 40 · Market factors (momentum, volatility) 37
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, a housing finance company, provides housing loans in India. The company offers retail home loans, home equity loans, and loans against property to borrowers. It also provides loans for home purchase, home improvements, home extension, and for construction of dwelling units on plots.
Full company description
India Shelter Finance Corporation Limited, a housing finance company, provides housing loans in India. The company offers retail home loans, home equity loans, and loans against property to borrowers. It also provides loans for home purchase, home improvements, home extension, and for construction of dwelling units on plots. 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 reported revenue of ₹13.0B in FY2025 versus ₹3.7B in FY2021, a compound +36.8%/yr. Reported net income was ₹5.0B in FY2025, compounding +40.7%/yr from FY2021.
INDIASHLTR screens 11% overvalued. Compare with Federal Home Loan Mortgage Corporation →
Peer Group
Mortgage Finance · 93 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
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Mortgage Finance stocks, each showing price versus our Fair Value estimate (as of Aug 21, 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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