INDIA SHELTE FIN (INDIASHLTR)
Fast GrowerFairStock Score: 46/100 — MIXED
Score breakdown: P/E: 2/3 · ROCE: 1/2 · Growth: 2/2 · Dividend: 0/1
Key Financials
| Current Price | ₹670.7 |
| Market Cap | ₹7,300.88 Cr |
| P/E Ratio | 14.16 |
| ROCE | 12.61% |
| ROE | 19.01% |
| Dividend Yield | 1.48% |
| Profit Growth | 19.95% |
| Debt/Equity | 1.95 |
| Sales Growth | 19.77% |
| Promoter Holding | 47.6% |
| 52-Week Range | ₹592.9 — ₹924 |
| Sector | Finance |
| Book Value | ₹294.06 |
AI Analysis
AI-generated, general educational analysis — not personal investment advice.
India Shelter Fin is the kind of business that catches my attention because it combines growth with reasonable price. Sales grew 28.14% and net profit grew 29.20%, while return on equity is 19.01%. Those are strong numbers. In Graham's language, earnings power is growing; in Buffett's language, the engine is compounding at a good clip. The P/E of 16.86 is not excessive, and with 29% profit growth, the PEG ratio is only 0.59. That is a classic growth-at-reasonable-price signal. The Piotroski F-score of 7 out of 9 is reassuring. It tells me the reported profits are backed by solid fundamentals, not aggressive accounting. Promoter holding of 47.60% also means the people running the business have a large stake in its success. The latest quarter shows net profit of ₹124 Cr on sales of ₹390 Cr, so the margin is healthy. Still, I must be careful. Price-to-book of 3.49 is not cheap for a finance company. Since the business lends money, book value is the foundation, and paying more than three times book leaves less margin of safety. Debt-to-equity of 1.88 is expected for a housing finance company, but it is also a source of risk if interest rates rise or credit quality weakens. The dividend yield of only 0.68% means I cannot lean on income while I wait. And FairStock score of 51/100 is mixed, so this is not a perfect setup. My approach is to buy good businesses at sensible prices. India Shelter Fin is a fast grower with solid economics and a valuation that is not unreasonable, but I would want the growth to continue and leverage to stay under control. I will watch asset quality and debt levels closely before committing a large amount of capital.
The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.
Data from BSE/NSE filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer