India Shelter Finance Corporation Limited

BSE:544044 Stock Report

Market Cap: ₹70.1b

India Shelter Finance Valuation

Is 544044 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 544044 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 544044 (₹639.65) is trading above our estimate of fair value (₹284.91)

Significantly Below Fair Value: 544044 is trading above our estimate of fair value.


Key Valuation Metric

Which metric is best to use when looking at relative valuation for 544044?

Key metric: As 544044 is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 544044. This is calculated by dividing 544044's market cap by their current earnings.
What is 544044's PE Ratio?
PE Ratio21.9x
Earnings₹3.14b
Market Cap₹70.12b

Price to Earnings Ratio vs Peers

How does 544044's PE Ratio compare to its peers?

The above table shows the PE ratio for 544044 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average22.5x
HOMEFIRST Home First Finance Company India
28.5x22.3%₹97.7b
511196 Can Fin Homes
13.4x12.9%₹110.2b
AAVAS Aavas Financiers
24.8x20.2%₹132.3b
APTUS Aptus Value Housing Finance India
23.5x18.8%₹158.1b
544044 India Shelter Finance
21.9x20.1%₹70.1b

Price-To-Earnings vs Peers: 544044 is good value based on its Price-To-Earnings Ratio (21.9x) compared to the peer average (22.5x).


Price to Earnings Ratio vs Industry

How does 544044's PE Ratio compare vs other companies in the IN Diversified Financial Industry?

7 CompaniesPrice / EarningsEstimated GrowthMarket Cap
531310 Available Finance
2.5xn/aUS$39.05m
539217 Srestha Finvest
4.6xn/aUS$11.26m
531735 Prism Finance
4.9xn/aUS$2.55m
539946 Bazel International
3.7xn/aUS$1.73m
544044 21.9xIndustry Avg. 24.6xNo. of Companies20PE020406080100+
7 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 544044 is good value based on its Price-To-Earnings Ratio (21.9x) compared to the Indian Diversified Financial industry average (24.6x).


Price to Earnings Ratio vs Fair Ratio

What is 544044's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

544044 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio21.9x
Fair PE Ratio19.4x

Price-To-Earnings vs Fair Ratio: 544044 is expensive based on its Price-To-Earnings Ratio (21.9x) compared to the estimated Fair Price-To-Earnings Ratio (19.4x).


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 544044 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current₹639.65
₹890.67
+39.2%
6.5%₹972.00₹850.00n/a3
Nov ’25₹697.95
₹890.67
+27.6%
6.5%₹972.00₹850.00n/a3
Oct ’25₹753.25
₹865.33
+14.9%
7.0%₹946.00₹800.00n/a3
Sep ’25₹735.50
₹865.33
+17.7%
7.0%₹946.00₹800.00n/a3
Aug ’25₹727.75
₹833.33
+14.5%
10.2%₹950.00₹750.00n/a3
Jul ’25₹728.65
₹816.67
+12.1%
12.6%₹950.00₹700.00n/a3

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.


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