India Shelter Finance Corporation Ltd: Why Is It Outperforming Nifty 500?

India Shelter Finance Corporation Ltd's latest quarterly results (Mar 2026) show

• PAT Growth YoY: +27.8% (decelerating)
• Revenue Growth YoY: +24.8%
• Net Interest Margin: 45.00%
• Gross NPA: 1.25%

India Shelter Finance Corporation Ltd's profit is growing with an decelerating trend.

• PAT Growth YoY: +27.8% (latest quarter)
• PAT Growth QoQ: +11.3% (sequential)
• 3-Year PAT CAGR: +48.0%
• Trend: Decelerating — growth rate slowing from prior quarter

India Shelter Finance Corporation Ltd's revenue growth trend is decelerating.

• Revenue Growth YoY: +24.8%
• Revenue Growth QoQ: +4.6% (sequential)
• 3-Year Revenue CAGR: +37.7%

India Shelter Finance Corporation Ltd's asset quality trend is deteriorating.

• Gross NPA: 1.25%
• Net NPA: 0.93%
• GNPA Change YoY: +0.3% bps

India Shelter Finance Corporation Ltd's long-term compounding rates

• 3-Year Profit CAGR: +48.0%
• 3-Year Revenue CAGR: +37.7%

India Shelter Finance Corporation Ltd's earnings growth is decelerating with positive momentum on a sequential basis.

• YoY Acceleration: -1.4% bps
• Sequential Acceleration: +9.7% bps
• Margin Warning: Operating margins are under pressure

India Shelter Finance Corporation Ltd's trailing twelve month (TTM) performance

• TTM PAT: ₹503 Cr
• TTM PAT Growth: +33.1% YoY
• TTM Revenue: ₹2,000 Cr
• TTM Revenue Growth: +31.1% YoY

India Shelter Finance Corporation Ltd's current PE ratio is 18.1x.

• Current PE: 18.1x
• Market Cap: 9.1K Cr
• Dividend Yield: 0.60%

India Shelter Finance Corporation Ltd's price-to-book ratio is 2.8x.

• Price-to-Book (P/B): 2.8x
• Book Value per Share: ₹294
• Current Price: ₹836

India Shelter Finance Corporation Ltd is rated Average with a fundamental score of 41.39/100. This score is calculated from objective financial metrics

• PAT Growth YoY: +27.8% (20% weight)
• PAT Growth QoQ: +11.3% (15% weight)
• Earnings trend: decelerating (5% weight)

India Shelter Finance Corporation Ltd has a debt-to-equity ratio of N/A.

• Total Debt: ₹6,000 Cr

India Shelter Finance Corporation Ltd's return ratios over recent years

• FY2024: ROE 14.0%
• FY2025: ROE 15.0%
• FY2026: ROE 17.0%

India Shelter Finance Corporation Ltd's operating cash flow is negative (FY2026).

• Cash from Operations (CFO): ₹-1,000 Cr
• Free Cash Flow (FCF): ₹-1,000 Cr
• CFO/PAT Ratio: -236% (weak cash conversion)

India Shelter Finance Corporation Ltd's current dividend yield is 0.60%.

• Dividend Yield: 0.60%
• Current Price: ₹836

India Shelter Finance Corporation Ltd's shareholding pattern (Mar 2026)

• Promoters: 47.5%
• FII (Foreign): 6.9%
• DII (Domestic): 21.4%
• Public: 24.2%

India Shelter Finance Corporation Ltd's promoter holding has decreased recently.

• Current Promoter Holding: 47.5% (Mar 2026)
• Previous Quarter: 47.6% (Dec 2025)
• Change: -0.07% (decreasing — worth monitoring)

India Shelter Finance Corporation Ltd has been outperforming Nifty 500 for 1 consecutive week, indicating early-stage outperformance.

India Shelter Finance Corporation Ltd is a new entry this week — it just started outperforming Nifty 500. New entries are worth monitoring for follow-through.

Based on quantitative research signals, here is why India Shelter Finance Corporation Ltd may be worth studying

• Earnings growing at +27.8% YoY
• Strong returns — ROE 17.0%

India Shelter Finance Corporation Ltd investment thesis summary:

India Shelter Finance Corporation Ltd's forward outlook based on current data signals

• Earnings Trend: decelerating
• Revenue Trend: decelerating