| Management target | Revenue 30.0% FY27 |
|---|
| Revenue growth | AUM growth guided at 25-30% for FY27. |
|---|---|
| Margins | Spreads stable at 6%; portfolio yield at 14.8%. |
| Demand visibility | Strong login and sanction pipeline cited by management. |
| Management confidence | High; July disbursements showed strong recovery at ₹400 Cr. |
Growth
Gross AUM grew 24% YoY to ₹11,284 Cr. PAT grew 23% YoY to ₹143 Cr. Net worth stands at ₹3,353 Cr.
Outlook
FY27 guidance reiterated: loan growth of 25-30%, 40-45 branch additions, and credit costs between 40-50bps.
Risks
Stage 3 assets increased to 1.5% due to seasonal factors and stress in self-employed/lower ticket-size cohorts.
Last quarter's promises, checked
Delivered
- Guided 40-45 branch additions → delivered 41 (= BEAT)
- Guided spreads > 6% → delivered 6% (= BEAT)
- Guided ROE > 17% → delivered 17.5% (= BEAT)
Partly delivered
- Guided disbursement growth > 20% → delivered 11% in Q4 (Partial recovery in July) (= PARTIAL)
Missed
- Guided AUM growth 25-30% → delivered 24% (= MISS)
- Guided credit cost 40-50bps → delivered Stage 3 at 1.5% (= MISS)
Earnings Call Transcript filed with BSE, NSE: INDIASHLTR. Summary written with AI assistance from the document.
India Shelter Finance Corporation Ltd: key numbers
- Share price
- ₹654.30
- Market cap
- ₹7,145 Cr
- Revenue (annual)
- ₹1,530 Cr
- Net profit (annual)
- ₹505.1 Cr
- P/E (TTM)
- 13.5×Sector 22.0×
- Promoter holding
- 46.05%-1.49% QoQ
- FII holding
- 6.86%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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