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INTELLECT: AI Lending Wins Will Drive Stronger 2025 Outlook

Digital Banking And AI Trends Will Expand Markets

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INTELLECT
AnalystConsensusTarget
Not Invested
Published 12 Feb 2025

Update shared on 18 Dec 2025

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28.5%
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2.3%

Analysts have made a marginal upward revision to their price target on Intellect Design Arena to ₹1,222.5. This reflects slightly higher discount rate and valuation assumptions, while leaving core growth and profitability forecasts essentially unchanged.

What's in the News

  • Launched PF Credit tailored for the Philippines market, a suite of AI driven digital lending experts built on the Purple Fabric platform to speed up, de-risk and automate end-to-end credit operations for local banks (Key Developments)
  • PF Credit for the Philippines embeds compliance with BSP, AMLC and Data Privacy Act norms, and aims to cut onboarding times by up to 10X, reduce NPA risk by up to 30 percent and improve loan recovery rates by up to 20 percent (Key Developments)
  • NCBA rolled out Connect Plus, an upgraded transaction banking platform powered by Intellect's eMACH.ai Digital Transaction Banking stack, to deliver faster, more secure and more intuitive corporate banking services across Africa (Key Developments)
  • The new NCBA platform provides integrated account services, payments, collections, liquidity and trade finance on a cloud native, microservices based architecture to speed product rollouts and enhance operational efficiency (Key Developments)
  • The board has scheduled a meeting on October 31, 2025 to review unaudited financial results for the September quarter and half year, consider a change in management and address other business matters (Key Developments)

Valuation Changes

  • Fair Value: Unchanged at ₹1,222.5 per share, indicating no revision to the core valuation output.
  • Discount Rate: Risen slightly from 15.16 percent to 15.17 percent, reflecting a marginally higher perceived risk or cost of capital.
  • Revenue Growth: Effectively unchanged at around 14.54 percent, with only a negligible model level adjustment.
  • Net Profit Margin: Stable at approximately 18.32 percent, implying no material change in long term profitability assumptions.
  • Future P/E: Edged up slightly from about 33.96x to 33.97x, consistent with the minor tweak in discount rate and other valuation inputs.

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Disclaimer

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