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Intellect Design Arena Limited (INTELLECT) Fair Value & Analysis

Technology · IN · Market cap ₹105B

ID Intellect Design Arena Limited INTELLECT · NSE
Price₹695.45
Fair Value₹664.32
Upside-4.5%
Quality60/100
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Healthy Growth
Solidly profitable · 11.4% net margin
Low debt · generates free cash flow
0.55% dividend yield
Ranks above peers (9/14)
Moderate moat 50/100
Evidence: High Range ₹402.12 – ₹824.43 Share as image

Fair value as of: Aug 13, 2026

From 26 valuation models · updated 4 days ago

Fair value updated Aug 13, 2026, revised from ₹496.19 to ₹664.32 (+33.9%) since Aug 6, 2026. Share price −8.5% over the past month.

A solid business, currently priced close to our fair value.

What matters now

  • The price sits close to our fair value, market and models broadly agree here, little valuation tension.
  • A fairly wide model range (₹402.12 to ₹824.43) leaves room in how you read the outcome.
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Price vs Fair Value (5 years)

₹1,224 ₹392.81 Fair Value ₹664.32 Apr 2021 Aug 2026

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

60‑month range ₹392.81 – ₹1,224 · fair‑value band ₹402.12 – ₹824.43 · the ₹695.45 price screens above the ₹664.32 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.

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Analysis

Intellect Design Arena Limited (INTELLECT) currently trades at ₹695.45, while our model-based Fair Value estimate is ₹664.32, implying the stock looks roughly 4.5% fairly valued today. The Quality Score stands at 60/100 (solid quality), in the Technology 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, Intellect Design Arena Limited generated revenue of ₹30.4B at a net margin of 11.4%. Revenue grew 16.7% year over year. It earns a return on equity of 11.4%. The balance sheet holds a net cash position of ₹3.3B. Fundamentals as of Aug 13, 2026

Our scenario range runs from ₹402.12 (bear case) to ₹824.43 (bull case); at ₹695.45, 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 44% below its 52-week high and 17% above its 52-week low, currently below its 200-day average. For context, the median of 10 Technology peers we cover trades at -40% fair-value upside, at -4%, INTELLECT 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.

Model 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. Evidence
Highest evidence
Growth DCF ₹368.51 ₹706.33 ₹1,236 80
Residual Income ₹204.86 ₹233.70 ₹436.67 76
Rev-Margin DCF ₹310.75 ₹534.51 ₹844.98 74
All 26 models by family
DCF Models
FCF DCF ₹377.20 ₹675.35 ₹1,389 38
Owner Earnings ₹375.46 ₹721.85 ₹1,382 31
5Y Revenue Exit ₹310.75 ₹542.94 ₹870.54 39
5Y EBITDA Exit ₹511.20 ₹984.91 ₹1,615 41
5Y P/E Exit ₹483.51 ₹923.86 ₹1,460 38
10Y Revenue Exit ₹320.75 ₹556.58 ₹947.29 36
10Y EBITDA Exit ₹466.50 ₹893.37 ₹1,614 37
10Y P/E Exit ₹447.62 ₹846.85 ₹1,475 35
Earnings-Based
Graham-Dodd ₹168.71 ₹968.88 ₹1,347 54
Lynch FV ₹273.01 ₹390.01 ₹507.01 50
PEG = 1.0 ₹273.01 ₹390.01 ₹507.01 46
EPV ₹209.51 ₹238.55 ₹263.96 59
Dividend Discount
Gordon GGM ₹63.50 ₹132.03 ₹209.46 70
DDM Multi-Stage ₹63.50 ₹111.33 ₹138.57 61
Multiples
P/E Multiple ₹521.00 ₹694.67 ₹868.34 63
P/S Multiple ₹316.32 ₹421.76 ₹527.21 58
P/B Multiple ₹316.32 ₹421.76 ₹527.21 55
EV/EBIT ₹515.60 ₹675.71 ₹835.83 53
EV/EBITDA ₹598.07 ₹785.67 ₹973.27 54
EV/Revenue ₹278.10 ₹382.18 ₹486.25 43
Asset-Based
NCAV (Graham) ₹113.84 ₹152.55 ₹227.68 50
Growth DCF
Growth DCF ₹368.51 ₹706.33 ₹1,236 80
Rev-Margin DCF ₹310.75 ₹534.51 ₹844.98 74
Economic Profit
Residual Income ₹204.86 ₹233.70 ₹436.67 76
ROIC Compounder ₹209.51 ₹254.56 ₹322.01 72
Growth Earnings
Growth-Adj P/E ₹468.61 ₹669.44 ₹870.27 68

Widest divergence: DCF Models (₹721.85) versus Dividend Discount (₹111.33). Highest evidence: Growth DCF (80).

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Key figures & financial health

Revenue (TTM) ₹30.4B
Revenue growth (YoY) +16.7%
Net margin 11.4%
Return on equity 11.4%
Free cash flow ₹3.4B FY2026
P/E ratio 28.6
More key figures
Operating margin 14.7%
EPS (TTM) ₹24.32
Dividend yield 0.6%
EPS growth (YoY) -11.3%
Net cash ₹3.3B FY2026

Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 60/100

Of which business quality 61 · Market factors (momentum, volatility) 38

Profitability 42
Margins and returns on capital today
Quality Growth 58
Are margins and returns improving?
Cashflow 59
Earnings quality: real cash, not paper profit
Fin. Strength 87
Balance sheet, leverage, solvency risk
Investment 37
Disciplined investing over empire-building
Low Volatility 68
Calm price path (market factor)
Momentum 35
Price trend over the last 3–12 months (market factor)
52W Momentum 10
Distance to the 52-week high (market factor)
Net Issuance 74
Buybacks instead of dilution

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

Intellect Design Arena Limited engages in the development, marketing, and sale of integrated banking software systems in India and internationally. It is also involved in supporting the implementation of the systems; and provides help desk support services to users of intellect software systems.

Full company description

Intellect Design Arena Limited engages in the development, marketing, and sale of integrated banking software systems in India and internationally. It is also involved in supporting the implementation of the systems; and provides help desk support services to users of intellect software systems. In addition, the company provides software development services in the areas of wholesale banking comprising corporate core, commercial lending, payments, liquidity management, investments, virtual accounts, trade and supply chain finance, receivables and collections, treasury, corporate procurement exchange, and corporate banking exchange. Further, it offers consumer banking, including core banking, lending, cards, and digital engagement; quantum; wealth management; capital markets, such as brokerage and securities; insurance, such as magic submission, risk analyst, and underwriting; bank treasury; governance risk and compliance, as well as ESG edge; and accounts payable, procurement management, and retail solutions. The company develops IntellectAI's Purple Fabric an open business impact AI platform that delivers secure, decision-grade intelligence with measurable business impact; eMACH.ai, an open finance platform which focuses on finance operations; iTurmeric, an integration and configuration platform; and Academic TeamSpace, an AI collaboration platform for the education sector. It serves retail and corporate customers, banks, wealth managers, private bankers, card issuers, as well as capital market participants such as brokers, custodians, asset managers, insurance carriers, government enterprises, corporates and retail chains, and educational institutions. Intellect Design Arena Limited was incorporated in 2011 and is headquartered in Chennai, India.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

Intellect Design Arena Limited reported revenue of ₹30.4B in FY2026 versus ₹18.8B in FY2022, a compound +12.8%/yr. Reported net income was ₹3.5B in FY2026, compounding −0.3%/yr from FY2022.

Growth Quality 95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Latest Revenue (FY 2026)
₹30.4B
Latest YoY
+21.5%
Avg. growth/yr (3Y) 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.
+10.8%
Avg. growth/yr (5Y) 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.
+15.2%
Avg. growth/yr (11Y) 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.
+15.7%
Revenue +12.8%/yr
FY22 ₹18.8B
FY23 ₹22.3B
FY24 ₹25.1B
FY25 ₹25.0B
FY26 ₹30.4B
Net income −0.3%/yr
FY22 ₹3.5B
FY23 ₹2.7B
FY24 ₹3.2B
FY25 ₹3.3B
FY26 ₹3.5B

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Cite: Fair Value Calculator (2026). "Intellect Design Arena Limited Fair Value". https://www.fairvalue-calculator.com/stock/INTELLECT

Peer Group

Software - Application · 723 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.

Quality Score 60 · Above median
Fair Value upside −5% · Above median
Return on equity (TTM) 11% · Above median
Return on assets 5% · Above median
Net margin (TTM) 11% · Above median
Operating margin (TTM) 15% · Above median
Revenue growth 17% · Above median
Dividend yield (TTM) 0.6% · Below median

Valuation Multiples vs Software - Application median · lower = cheaper

P/E (TTM) 28.6× · Pricier than median
P/B 3.32× · Pricier than median
P/S (TTM) 3.46× · Pricier than median
P/FCF 0.3× · Cheaper than 75% of peers
EV/EBITDA 17.3× · Pricier than median

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.

VALUE 27 · sector 0
FUTURE 84 · sector 38
PAST 46 · sector 12
HEALTH 100 · sector 98
DIVIDEND 11 · sector 34

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

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Beijing Kingsoft Office Software, Inc 688111 ¥254.50 ¥81.23 -68%
Tata Elxsi Limited TATAELXSI ₹3,712 ₹2,519 -32%
Douzone Bizon Co 012510 120,000 KRW 92,181 KRW -23%
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Frequently asked questions

Is Intellect Design Arena Limited (INTELLECT) overvalued or undervalued?
As of Aug 13, 2026, our model estimates a fair value of ₹664.32 versus a price of ₹695.45, about −4% (fairly valued).
What is the fair value of INTELLECT?
Our model-based fair value for Intellect Design Arena Limited is ₹664.32 (as of Aug 13, 2026), built from audited fundamentals. The current price is ₹695.45.
What is the quality score of INTELLECT?
Intellect Design Arena Limited has a Quality Score of 60/100. 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 revenue of Intellect Design Arena Limited (INTELLECT)?
Intellect Design Arena Limited reported trailing-twelve-month revenue of about ₹30.4B (latest available figure, as of Aug 13, 2026).
What is the net profit margin of INTELLECT?
The net profit margin of Intellect Design Arena Limited is about 11.4%, meaning it keeps roughly 11.4% of revenue as net income. Based on the latest reported figures.
Does Intellect Design Arena Limited pay a dividend?
Intellect Design Arena Limited currently shows a dividend yield of about 0.55% relative to its recent price (as of Aug 13, 2026).

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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