India Shelter Finance Corporation Limited

NSEI:INDIASHLTR Stock Report

Market Cap: ₹70.5b

India Shelter Finance Valuation

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

Valuation Score

2/6

Valuation Score 2/6

  • 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 INDIASHLTR when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: INDIASHLTR (₹655.45) is trading above our estimate of fair value (₹285.02)

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


Key Valuation Metric

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

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

The above table shows the Price to Earnings ratio for INDIASHLTR. This is calculated by dividing INDIASHLTR's market cap by their current earnings.
What is INDIASHLTR's PE Ratio?
PE Ratio22.5x
Earnings₹3.14b
Market Cap₹70.51b

Price to Earnings Ratio vs Peers

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

The above table shows the PE ratio for INDIASHLTR vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average22.4x
HOMEFIRST Home First Finance Company India
28.9x22.3%₹99.0b
511196 Can Fin Homes
13.3x12.9%₹109.4b
AAVAS Aavas Financiers
24.6x20.2%₹131.2b
APTUS Aptus Value Housing Finance India
22.9x18.8%₹154.9b
INDIASHLTR India Shelter Finance
22.5x20.1%₹70.5b

Price-To-Earnings vs Peers: INDIASHLTR is expensive based on its Price-To-Earnings Ratio (22.5x) compared to the peer average (22.4x).


Price to Earnings Ratio vs Industry

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

8 CompaniesPrice / EarningsEstimated GrowthMarket Cap
531310 Available Finance
2.5xn/aUS$39.93m
538732 Vibrant Global Capital
4.9xn/aUS$17.49m
539217 Srestha Finvest
4.6xn/aUS$11.28m
531735 Prism Finance
4.7xn/aUS$2.55m
INDIASHLTR 22.5xIndustry Avg. 24.5xNo. of Companies21PE020406080100+
8 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: INDIASHLTR is good value based on its Price-To-Earnings Ratio (22.5x) compared to the Indian Diversified Financial industry average (24.5x).


Price to Earnings Ratio vs Fair Ratio

What is INDIASHLTR'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.

INDIASHLTR PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio22.5x
Fair PE Ratio19.4x

Price-To-Earnings vs Fair Ratio: INDIASHLTR is expensive based on its Price-To-Earnings Ratio (22.5x) 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 INDIASHLTR forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current₹655.45
₹890.67
+35.9%
6.5%₹972.00₹850.00n/a3
Nov ’25₹696.75
₹890.67
+27.8%
6.5%₹972.00₹850.00n/a3
Oct ’25₹754.55
₹865.33
+14.7%
7.0%₹946.00₹800.00n/a3
Sep ’25₹735.15
₹865.33
+17.7%
7.0%₹946.00₹800.00n/a3
Aug ’25₹726.65
₹833.33
+14.7%
10.2%₹950.00₹750.00n/a3
Jul ’25₹729.85
₹816.67
+11.9%
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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