India Shelter Fin Corp L

INDIASHLTR NSE Financial Services Housing Finance Company
Microcap 250
₹657.15
-2.23%
Delayed · cached 15 min

Fair value analysis

INDIASHLTR
India Shelter Fin Corp L
Financial ServicesHousing Finance Company
₹672.15
Close used for this calculation
₹738.94Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
57/100
Profitability19/25
Returns14/25
Balance Sheet6/25
Efficiency18/25
Growth8/25
Good
Quality radar
57Prof.19/25Ret.14/25Eff.18/25B.Sht6/25Growth8/25

Consensus fair value

₹738.94
Near FV
▲ +9.9% against the close used
Model range ₹430.22 – ₹1,164.10
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear₹430.22Fair value₹738.94Bull₹1,164.10
FairClose
52-week traded range
52W low ₹628.9052W high ₹918.95

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading close to the consensus fair value

India Shelter Fin Corp L closed at ₹672.15, 9.0% below the consensus fair value of ₹738.94 drawn from 9 valuation models.

Financial DNA score 57/100 — Good. P/E of 14.2x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
₹918.22
+36.6%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
₹560.11
-16.7%
√(22.5 × EPS × BVPS)
EPS=46.26, BVPS=301.41 · outside Graham range (P/E 14.2, P/B 2.2) — asset-light, treat as a rough floor
Graham Formula
₹1,164.10
+73.2%
EPS × (8.5 + 2g) × 6.5 ÷ FD_Rate
g=9.3%, FD=7%
P/E Fair Value
₹615.26
-8.5%
EPS × 13.3x (sector P/E)
EPS=46.26, Sector P/E=13.3x
Peter Lynch (PEG)
₹430.22
-36.0%
EPS × Growth% (PEG = 1 is fair)
EPS=46.26, g=9.3%
Dividend Discount (DDM)
₹555.33
-17.4%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=10.28, r=10%, g=8%
Book Value (P/B)
₹828.88
+23.3%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=301.41, ROE=17%, g=6%, r=10%
Reverse DCF
₹672.15
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 2.8% | Historical: 9.3%
Margin of Safety
₹610.82
-9.1%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=814.42, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.