India Shelter Finance Corporation Ltd's Q4FY25 Quarter Results
- 10 May 2025
Result Summary
- India Shelter Finance Corporation Ltd reported a 19.7% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 37.9%.
- Its expenses for the quarter were down by 18.7% QoQ and up 33.4% YoY.
- The net profit decreased 18.9% QoQ and increased 46.8% YoY.
- The earnings per share (EPS) of India Shelter Finance Corporation Ltd stood at 7 during Q4FY25.
Financial Statments for Q4FY25
| (₹ crores) | Q4FY25 | Q3FY25 | Q4FY24 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 244.42 | 304.39 | 177.22 | -19.7% | 37.9% |
Total Expenses | 139.10 | 171.17 | 104.29 | -18.7% | 33.4% |
Profit Before Tax | 99.67 | 124.37 | 68.25 | -19.9% | 46.0% |
Tax | 21.74 | 28.23 | 15.19 | -23.0% | 43.1% |
Profit After Tax | 77.93 | 96.14 | 53.07 | -18.9% | 46.8% |
Earnings Per Share | 7.00 | 8.60 | 6.00 | -18.6% | 16.7% |
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 financial institution that primarily operates in the housing finance sector. The company focuses on providing home loans and loans against property to individuals, particularly targeting low and middle-income groups in India. As a significant player in the housing finance industry, India Shelter Finance Corporation Ltd aims to facilitate home ownership and property acquisition for its customers. The company's operations are centered on offering tailored financial solutions to meet the diverse needs of its clientele. Recent developments in the housing finance sector, such as regulatory changes or shifts in the economic environment, may impact its operations; however, specific recent developments related to India Shelter Finance Corporation Ltd are not available.
Revenue
In the fourth quarter of the fiscal year 2025 (Q4FY25), India Shelter Finance Corporation Ltd reported a total income of ₹244.42 crores. This figure represents a decrease of 19.7% compared to the previous quarter (Q3FY25), where the total income was ₹304.39 crores. However, on a year-over-year basis, there is a significant increase of 37.9% from Q4FY24, when the total income was ₹177.22 crores. These figures highlight the fluctuations in the company's revenue streams over different periods, reflecting both a strong annual growth and a quarterly decline.
Profitability
The company's profitability metrics for Q4FY25 show a profit before tax of ₹99.67 crores, which is a decrease of 19.9% from the previous quarter's ₹124.37 crores. Compared to the same quarter in the previous fiscal year (Q4FY24), which recorded a profit before tax of ₹68.25 crores, there is a substantial year-over-year increase of 46.0%. The profit after tax for Q4FY25 stands at ₹77.93 crores, marking an 18.9% reduction from ₹96.14 crores in Q3FY25. However, on a year-over-year basis, the profit after tax increased by 46.8% from ₹53.07 crores in Q4FY24. The tax expense for the quarter was ₹21.74 crores, showing a quarter-over-quarter decrease of 23.0% and a year-over-year rise of 43.1%.
Operating Metrics
For Q4FY25, India Shelter Finance Corporation Ltd reported an earnings per share (EPS) of ₹7.00, which represents an 18.6% decrease from the EPS of ₹8.60 in the previous quarter. Despite this quarterly decline, the EPS has grown by 16.7% compared to ₹6.00 in Q4FY24. The total expenses for Q4FY25 amounted to ₹139.10 crores, reflecting an 18.7% decrease from the previous quarter's ₹171.17 crores, and a 33.4% increase from ₹104.29 crores in the same quarter of the previous year. These operating metrics provide insights into the company's efficiency and cost management over the reported periods.
