INDIA SHELTER FINANCE CORPORATION LIMITED
India Shelter Finance Corporation Limited operates as a housing finance company in India. The company offers home loan, purchase and home construction loan, home renovation loan, and loan against property. The company was formerly known as Satyaprakash Housing Finance India Limited and changed its name to India Shelter Finance Corporation Limited in March 2010. India Shelter Finance Corporation L… Read more
INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR) - Net Assets
Latest net assets as of September 2025: ₹29.15 Billion INR
Based on the latest financial reports, INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR) has net assets worth ₹29.15 Billion INR as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (₹85.80 Billion) and total liabilities (₹56.65 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | ₹29.15 Billion |
| % of Total Assets | 33.98% |
| Annual Growth Rate | 29.09% |
| 5-Year Change | 189.0% |
| 10-Year Change | N/A |
| Growth Volatility | 26.6 |
INDIA SHELTER FINANCE CORPORATION LIMITED - Net Assets Trend (2016–2024)
This chart illustrates how INDIA SHELTER FINANCE CORPORATION LIMITED's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for INDIA SHELTER FINANCE CORPORATION LIMITED (2016–2024)
The table below shows the annual net assets of INDIA SHELTER FINANCE CORPORATION LIMITED from 2016 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-09-30 | ₹27.09 Billion | +17.84% |
| 2023-09-30 | ₹22.99 Billion | +85.30% |
| 2022-09-30 | ₹12.41 Billion | +15.28% |
| 2021-09-30 | ₹10.76 Billion | +14.82% |
| 2020-09-30 | ₹9.37 Billion | +10.49% |
| 2019-09-30 | ₹8.48 Billion | +6.10% |
| 2018-09-30 | ₹8.00 Billion | +41.77% |
| 2017-09-30 | ₹5.64 Billion | +60.60% |
| 2016-09-30 | ₹3.51 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to INDIA SHELTER FINANCE CORPORATION LIMITED's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 3377.4% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (September 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | ₹8.94 Billion | 33.00% |
| Common Stock | ₹539.48 Million | 1.99% |
| Other Comprehensive Income | ₹2.46 Billion | 9.08% |
| Other Components | ₹15.15 Billion | 55.92% |
| Total Equity | ₹27.09 Billion | 100.00% |
INDIA SHELTER FINANCE CORPORATION LIMITED Competitors by Market Cap
The table below lists competitors of INDIA SHELTER FINANCE CORPORATION LIMITED ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Beijing Infosec Technologies Co. Ltd. A
SHG:688201
|
$357.07 Million |
|
Elior Group SA
OTCGREY:ELROF
|
$357.22 Million |
|
TIMBERCREEK FINL
F:58O
|
$357.23 Million |
|
GDI Integrated
TO:GDI
|
$357.25 Million |
|
Yujin Robot Co. Ltd
KQ:056080
|
$356.98 Million |
|
Beijing Centergate Technologies Holding Co Ltd
SHE:000931
|
$356.80 Million |
|
Niva Bupa Health Insurance Company Limited
NSE:NIVABUPA
|
$356.73 Million |
|
Contec Medical Systems Co Ltd
SHE:300869
|
$356.65 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in INDIA SHELTER FINANCE CORPORATION LIMITED's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 22,986,657,000 to 27,087,354,000, a change of 4,100,697,000 (17.8%).
- Net income of 3,778,734,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 856,130,001.
- Other factors decreased equity by 534,167,001.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | ₹3.78 Billion | +13.95% |
| Other Comprehensive Income | ₹856.13 Million | +3.16% |
| Other Changes | ₹-534.17 Million | -1.97% |
| Total Change | ₹- | 17.84% |
Book Value vs Market Value Analysis
This analysis compares INDIA SHELTER FINANCE CORPORATION LIMITED's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 2.85x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 11.36x to 2.85x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2016-09-30 | ₹61.09 | ₹694.25 | x |
| 2017-09-30 | ₹82.60 | ₹694.25 | x |
| 2018-09-30 | ₹101.09 | ₹694.25 | x |
| 2019-09-30 | ₹97.68 | ₹694.25 | x |
| 2020-09-30 | ₹87.55 | ₹694.25 | x |
| 2021-09-30 | ₹100.52 | ₹694.25 | x |
| 2022-09-30 | ₹115.88 | ₹694.25 | x |
| 2023-09-30 | ₹233.74 | ₹694.25 | x |
| 2024-09-30 | ₹243.22 | ₹694.25 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently INDIA SHELTER FINANCE CORPORATION LIMITED utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 13.95%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 37.81%
- • Asset Turnover: 0.13x
- • Equity Multiplier: 2.86x
- Recent ROE (13.95%) is above the historical average (8.63%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2016 | 5.84% | 29.41% | 0.11x | 1.75x | ₹-146.00 Million |
| 2017 | 3.97% | 25.26% | 0.09x | 1.68x | ₹-339.88 Million |
| 2018 | 3.80% | 25.41% | 0.09x | 1.67x | ₹-495.66 Million |
| 2019 | 5.53% | 32.82% | 0.08x | 2.12x | ₹-379.17 Million |
| 2020 | 9.32% | 32.87% | 0.11x | 2.63x | ₹-63.38 Million |
| 2021 | 11.94% | 34.59% | 0.12x | 2.99x | ₹208.34 Million |
| 2022 | 12.52% | 31.28% | 0.12x | 3.46x | ₹312.89 Million |
| 2023 | 10.77% | 36.31% | 0.12x | 2.52x | ₹177.31 Million |
| 2024 | 13.95% | 37.81% | 0.13x | 2.86x | ₹1.07 Billion |
Industry Comparison
This section compares INDIA SHELTER FINANCE CORPORATION LIMITED's net assets metrics with peer companies in the Mortgage Finance industry.
Industry Context
- Industry: Mortgage Finance
- Average net assets among peers: $41,207,240,444
- Average return on equity (ROE) among peers: 12.54%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR) | ₹29.15 Billion | 5.84% | 1.94x | $357.03 Million |
| Aadhar Housing Finance Ltd (AADHARHFC) | $26.93 Billion | 0.00% | 4.06x | $588.72 Million |
| Aavas Financiers Limited (AAVAS) | $1.01 Billion | 18.81% | 7.40x | $497.55 Million |
| Aptus Value Housing Finance India Limited (APTUS) | $33.39 Billion | 15.06% | 1.15x | $898.91 Million |
| Bajaj Housing Finance (BAJAJHFL) | $36.58 Billion | 2.85% | 4.26x | $877.90 Million |
| Can Fin Homes Limited (CANFINHOME) | $1.74 Billion | 15.52% | 9.45x | $860.40 Million |
| GIC Housing Finance Limited (GICHSGFIN) | $4.66 Billion | 24.40% | 6.99x | $58.58 Million |
| Home First Finance Company India Limited (HOMEFIRST) | $5.23 Billion | 8.75% | 3.75x | $950.21 Million |
| LIC Housing Finance Limited (LICHSGFIN) | $111.57 Billion | 17.41% | 12.53x | $1.73 Billion |
| PNB Housing Finance Limited (PNBHOUSING) | $149.74 Billion | 10.07% | 3.84x | $1.58 Billion |