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India Shelter Finance Corporation
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India Shelter Finance Corporation Share price and Fundamental Analysis
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India Shelter Finance Corporation Management and History
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Company History
India Shelter Finance Corporation Ltd was incorporated under the name 'Satyaprakash Housing Finance India Limited' on October 26, 1998, as a Public Limited Company, pursuant to a Certificate of Incorporation dated October 26, 1998. A Certificate for Commencement of Business dated November 18, 1998, was granted to 'Satyaprakash Housing Finance India Limited' by the Registrar of Companies, Madhya Pradesh at Gwalior. Pursuant to Change of the Name of Company from 'Satyaprakash Housing Finance India Limited' to 'India Shelter Finance Corporation Limited', as approved by Shareholders, Company was issued a fresh Certificate of Incorporation dated July 8, 2010, by the Registrar of Companies, Madhya Pradesh and Chhattisgarh at Gwalior. A Certificate of Registration dated September 14, 2010 was granted to Company by the National Housing Bank (NHB) to carry on the business of a housing finance institution without accepting public deposits.
The Company is a retail housing finance company with a distribution network of 183 branches in the States of Rajasthan, Maharashtra, Madhya Pradesh, Karnataka and Gujarat and a scalable technology infrastructure. The Company has presence in states which cover nearly 94% of the affordable housing finance market in India. The Company leverage technology and analytics across the operations and throughout the customer life cycle including onboarding, underwriting, asset quality monitoring, collections and customer services.
The Company has introduced a paperless approach to customer acquisition and onboarding, with mobile solutions in different stages of lending process. On these solutions, the iSales application integrates, streamlines and optimizes customer acquisition process whereas IndiaShelter iCredit application facilitates underwriting. Overall sales and productivity is enhanced while maintaining customer relationships combining digital solutions with personal interaction. The Company introduced IndiaShelter iServe application service, designed to address concerns and queries from the existing customers online.
Apart from these, the Company has an integrated customer relationship management and loan management system set up on a cloud-based platform, providing with connectivity and access to real time information for customers. The IT systems allows them to increase productivity, reduce turnaround times and transaction costs. It has adopted the key aspects of lending operations including customer acquisition, underwriting, collateral valuation, legal assessment, and collections. This allows the customers to directly connect with our customers, minimize turnaround times, increases customer retention, and mitigate the risk of fraudulent activities.
The underwriting processes are customized to access creditworthiness of the low and middle-income segment and as a result, have developed data centric and iterative processes. The Company has different and separate verticals to underwrite customer's creditworthiness, collateral legal verification, and collateral valuation which work in parallel and are independent to each other.
In 2009, the Company was taken over by the Individual Promoter. In 2010, the Company started operations by opening the first branch in Rajasthan. In 2016, the Company opened first branch in Southern India in Karnataka State through expansion of geographical presence. In 2023, the Asset Under Management (AUM) crossed Rs 4,359.4 Crores.
The Company is planning issuing Equity Shares aggregating upto Rs 1800 Crores, comprising Rs 1000 Crores Equity Shares through Fresh Issue and Rs 800 Crores through Offer for Sale.
India Shelter Finance Corporation Share Price
India Shelter Finance Corporation share price reflects investor sentiment toward the company and is impacted by various factors such as financial performance, market trends, and economic conditions. Share price is an indicator which shows the current value of the company's shares at which buyers or sellers can transact.
India Shelter Finance Corporation Market Cap
Market capitalization of India Shelter Finance Corporation indicates the total value of its outstanding shares. Marketcap is calculated by multiplying share price and outstanding shares of the company. It is a helpful metric for assessing the company's size and market Valuation. It also helps investors understand how India Shelter Finance Corporation is valued compared to its competitors.
India Shelter Finance Corporation PE Ratio
India Shelter Finance Corporation PE ratio helps investors understand what is the market value of each stock compared to India Shelter Finance Corporation 's earnings. A PE ratio higher than the average industry PE could indicate an overvaluation of the stock, whereas a lower PE compared to the average industry PE could indicate an undervaluation.
India Shelter Finance Corporation PEG Ratio
The PEG ratio of India Shelter Finance Corporation evaluates its PE ratio in relation to its growth rate. A PEG ratio of 1 indicates a fair value, a PEG ratio of less than 1 indicates undervaluation, and a PEG ratio of more than 1 indicates overvaluation.
India Shelter Finance Corporation ROE (Return on Equity)
Return on Equity (ROE) measures how effectively India Shelter Finance Corporation generates profit from shareholders' equity. A higher ROE of more than 20% indicates better financial performance in terms of profitability.
India Shelter Finance Corporation ROCE (Return on Capital Employed)
Return on Capital Employed (ROCE) evaluates the profitability of India Shelter Finance Corporation in relation to its capital employed. In simple terms, ROCE provides insight to investors as to how well the company is utilizing the capital deployed. A high ROCE of more than 20% shows that the business is making profitable use of its capital.
India Shelter Finance Corporation Total Debt
Total debt of India Shelter Finance Corporation shows how much the company owes to either banks or individual creditors. In simple terms, this is the amount the company has to repay. Total debt can be a very useful metric to show the financial health of the company. Total debt more than equity is considered to be a bad sign.
India Shelter Finance Corporation Debt to Equity Ratio
The Debt-to-Equity (DE) ratio of India Shelter Finance Corporation compares its total debt to shareholders' equity. A higher Debt to Equity ratio could indicate higher financial risk, while a lower ratio suggests that the company is managing its debt efficiently.
India Shelter Finance Corporation CAGR (Compound Annual Growth Rate)
CAGR shows the consistent growth rate of India Shelter Finance Corporation over a specific period, whether it is over a month, a year, or 10 years. It is a key metric to evaluate the company’s long-term growth potential. Main metrics for which CAGR is calculated are net sales, net profit, operating profit, and stock returns.
India Shelter Finance Corporation Technical Analysis
Technical analysis of India Shelter Finance Corporation helps investors get an insight into when they can enter or exit the stock. Key components of India Shelter Finance Corporation Technical Analysis include:
Support Levels (S1, S2, S3)
There are usually multiple support levels, but the main support levels for a stock are S1, S2, S3. Support levels indicate price points where stock might get support from buyers, helping the stock stop falling and rise.
Resistance Levels (R1, R2, R3)
There are usually multiple resistance levels, but the main resistance levels for a stock are R1, R2, R3. Resistance levels represent price points where India Shelter Finance Corporation shares often struggle to rise above due to selling pressure.
India Shelter Finance Corporation Dividends
Dividends refer to the portion of the company’s profits distributed to its shareholders. Dividends are typically paid out in cash and reflect India Shelter Finance Corporation ’s financial health and profitability.
India Shelter Finance Corporation Bonus Shares
Bonus shares are usually given by companies to make the stock more affordable, increase liquidity, boost investor confidence, and more.
India Shelter Finance Corporation Stock Split
Stock split increases the number of its outstanding shares by dividing each existing share into multiple shares. When the company offers a stock split, the face value of the stock reduces in the same proportion as the split ratio.
India Shelter Finance Corporation Financials
The financials of India Shelter Finance Corporation provide a complete view to investors about its net sales, net profit, operating profits, expenses, and overall financial health. Investors can analyze financial data to assess the company’s stability and also understand how the company has been growing financially.
India Shelter Finance Corporation Profit and Loss Statements
The profit and loss statement of India Shelter Finance Corporation highlights its net sales, net profit, total expenditure, and operating profits in the current financial year. This Profit and Loss statement is crucial for evaluating the profitability and financial stability of India Shelter Finance Corporation .
India Shelter Finance Corporation Balance Sheet
The balance sheet presents a snapshot of India Shelter Finance Corporation ’s assets, liabilities, and equity of shareholders, providing insights into the financials of the company.
India Shelter Finance Corporation Cashflow Statements
Cashflow statements track the company's cash inflows and outflows over a period. It is an essential tool for understanding how well the company manages its liquidity and finances.
India Shelter Finance Corporation Net Interest Margin (NIM)
India Shelter Finance Corporation Net Interest Margin (NIM) tells about the profitability earned by all NBFCs and financial institutions. It represents the income generated by the bank from the difference between the interest earned on loans and the interest paid on public deposits. Net Interest Margin (NIM) is a metric that monitors the profitability generated from a bank's lending activities.
India Shelter Finance Corporation Non-Performing Assets (NPA) Ratio
Non-Performing Assets (NPA) indicate the ratio of a bank's loans that are classified as non-performing. A lower NPA ratio reflects stronger asset quality and more effective risk management.
India Shelter Finance Corporation Capital Adequacy Ratio (CAR)
Capital Adequacy Ratio (CAR) is a metric to measure the bank's ability to absorb losses and still remain financially stable. A higher CAR shows that the bank is financially sound and can absorb potential losses.
India Shelter Finance Corporation Gross NPA
Gross NPA is the percentage of total non-performing loans before provisioning, while net NPA is the percentage after provisioning. Lower gross and net NPA ratios indicate better loan quality.
India Shelter Finance Corporation Net NPA Ratio
Net NPA is the actual losses a bank has incurred due to NPA accounts. Lower the NPA, better the banks can maintain stable income from interest on loans.
India Shelter Finance Corporation CASA Ratio
CASA ratio tells how much of a bank's total deposits are in both current and savings accounts.
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SEBI REGISTERED RESEARCH ANALYST REGISTRATION NUMBER: INH000015729Disclaimer: "Investments in securities are subject to market risks. Read all the related documents carefully before investing." Receiving registration from SEBI and certification from NISM does not assure the performance of the intermediary or guarantee returns to investors in any manner. Compliance Email: [email protected]
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