India Shelter Finance Corporation's Q4 FY 2025-26 Quarterly Results

Result Summary

• India Shelter Finance Corporation Ltd reported a 4.7% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Mar (Q4 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 24.7%.
• Its expenses for the quarter were up by 1.5% QoQ and 19.3% YoY.
• The net profit increased 10.9% QoQ and increased 27.2% YoY.
• The earnings per share (EPS) of India Shelter Finance Corporation Ltd stood at 12.31 during Q4 FY 2025-26.

Financial Statments for Q4 FY 2025-26

Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

India Shelter Finance Corporation Ltd is a non-banking financial company (NBFC) in India that primarily focuses on providing housing finance solutions. The company offers mortgage loans to individuals, primarily in the informal income segment, who are typically underserved by traditional banks. As a player in the housing finance industry, the company aims to facilitate home ownership for a broader demographic by providing access to financial resources for housing needs. As of the latest data, there have not been any recent major developments or changes in the company's primary business focus. This report will analyze the financial performance of India Shelter Finance Corporation Ltd based on the given data for the fourth quarter of the fiscal year 2026 (Q4FY26).

Revenue

In Q4FY26, India Shelter Finance Corporation Ltd reported a total income of ₹408.27 crores, reflecting a growth of 4.7% when compared to the preceding quarter, Q3FY26, where the total income was ₹389.76 crores. On a year-over-year basis, the total income increased by 24.7% from ₹327.42 crores in Q4FY25. These figures indicate a consistent upward trajectory in the company's revenue generation over both the quarterly and annual periods. This increase in total income can be attributed to the company's ongoing efforts to expand its customer base and the effective management of its financial products.

Profitability

The company demonstrated strong profitability metrics during Q4FY26. Profit before tax rose to ₹180.03 crores, marking a 12.6% increase from the previous quarter's figure of ₹159.95 crores and a 29.0% increase from the ₹139.60 crores reported in Q4FY25. The tax expenses for the quarter were ₹42.44 crores, representing an 18.3% rise from Q3FY26 and a 34.9% increase from the same quarter last year. Profit after tax for Q4FY26 stood at ₹137.59 crores, a 10.9% growth quarter-over-quarter and a 27.2% increase year-over-year. This consistent growth in profitability highlights the company's efficient cost management and revenue generation strategies.

Operating Metrics

The company reported an Earnings Per Share (EPS) of ₹12.31 for Q4FY26, which is a 11.7% improvement over the previous quarter's EPS of ₹11.02 and a 27.3% increase when compared to ₹9.67 in Q4FY25. Total expenses for the quarter were ₹220.37 crores, showing a modest 1.5% increase from ₹217.15 crores in Q3FY26 and a 19.3% rise from ₹184.70 crores in Q4FY25. These figures suggest a stable and controlled growth in expenses relative to the significant increase in revenue and profitability. The consistent rise in EPS and controlled expense growth are indicative of the company's effective operational management and the successful execution of its business strategies.