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India Shelter Finance (BOM:544044) Forward PE Ratio Explanation
The Forward PE Ratio of a company is often used to compare current earnings to estimated future earnings, as well as gaining a clearer picture of what earnings will look like without charges and other accounting adjustments. If earnings are expected to grow in the future, the Forward PE Ratio will be lower than the current PE Ratio. This measure is also used to compare one company to another with a forward-looking focus.
Trailing PE Ratio relies on what is already done. It uses the current share price and divides by the total EPS (Basic) over the past 12 months. PE Ratio can be affected by Non Operating Income such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio .
India Shelter Finance Forward PE Ratio Related Terms
India Shelter Finance Forward PE Ratio Historical Data
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The historical data trend for India Shelter Finance's Forward PE Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
India Shelter Finance Forward PE Ratio Chart
India Shelter Finance Annual Data
Trend
2025-03
2026-03
Forward PE Ratio
20.36
13.16
India Shelter Finance Quarterly Data
2024-12
2025-03
2025-06
2025-09
2025-12
2026-03
2026-06
Forward PE Ratio
17.34
20.36
20.90
20.65
14.39
13.16
14.08
BOM:544044 vs RKT, FNMA, PFSI: Forward PE Ratio Comparison
For the Mortgage Finance subindustry, India Shelter Finance's Forward PE Ratio, along with its competitors' market caps and Forward PE Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
India Shelter Finance Forward PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, India Shelter Finance's Forward PE Ratio distribution charts can be found below:
* The bar in red indicates where India Shelter Finance's Forward PE Ratio falls into.
India Shelter Finance Forward PE Ratio Calculation
It's a measure of the price-to-earnings ratio (PE Ratio) using forecasted earnings for the calculation. While the earnings used are just an estimate and are not as reliable as current earnings data, there is still benefit in estimated P/E analysis. The forecasted earnings used in the formula can either be for the next 12 months or for the next full-year fiscal period.
India Shelter Finance (BOM:544044) has a Forward PE Ratio of 12.79 as of Sep. 16, 2026. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on India Shelter Finance and its competitors. According to the industry distribution chart, India Shelter Finance ranks #662 out of 821 companies in the Banks industry, placing it in the top 80.6%.
Is India Shelter Finance's Forward PE Ratio too high?
India Shelter Finance's current Forward PE Ratio is 12.79. The Banks industry median Forward PE Ratio is 10.13. India Shelter Finance's value of 12.79 is 26.3% above this industry median. Based on the distribution chart, India Shelter Finance ranks #662 out of 821 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, India Shelter Finance has a GF Score™ of 60/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does India Shelter Finance's Forward PE Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, India Shelter Finance ranks #662 out of 821 companies for Forward PE Ratio. This places India Shelter Finance in the lower half of its industry. The industry median Forward PE Ratio is 10.13. India Shelter Finance's value of 12.79 is 26.3% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Forward PE Ratio for a Banks company?
The median Forward PE Ratio among Banks companies is 10.13, based on 821 companies in the industry. Companies in the top quartile (top 25%) have a Forward PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Forward PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. India Shelter Finance's current Forward PE Ratio of 12.79 is 26.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Forward PE Ratio mean?
A high Forward PE Ratio can signal that a stock is expensive relative to its fundamentals. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on India Shelter Finance and its competitors. For the Banks industry, the median Forward PE Ratio is 10.13 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. India Shelter Finance's current Forward PE Ratio is 12.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is India Shelter Finance stock overvalued right now?
Based on GuruFocus' analysis, India Shelter Finance (BOM:544044) is currently considered Possible Value Trap. The stock's GF Value™ is ₹1,165.54, compared to a current price of ₹646.95 — trading 44.5% below its estimated fair value. The current Forward PE Ratio is 12.79 and 26.3% above the Banks industry median of 10.13. India Shelter Finance's overall GF Score™ is 60/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Forward PE Ratio calculated?
Forward PE Ratio is calculated from a company's financial statements. For India Shelter Finance (BOM:544044), the current Forward PE Ratio is 12.79 as of Sep. 16, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is India Shelter Finance (BOM:544044) Overvalued in 2026?
Based on GuruFocus' analysis, India Shelter Finance stock appears to be undervalued.
The current stock price of ₹646.95 is trading 44.5% below its estimated GF Value™ of ₹1,165.54.
GuruFocus considers India Shelter Finance to be Possible Value Trap.
Key valuation signals for BOM:544044:
Forward PE Ratio: 12.79
GF Value™: ₹1,165.54 vs. price of ₹646.95 (44.5% below fair value)
Industry Position: 26.3% above the Banks median (#662 of 821)
No single metric tells the full story. See the BOM:544044 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
India Shelter Finance Corporation Ltd caters to the housing needs of the self-employed, informal segment of customers, belonging to the middle income, predominantly from semi-urban and rural markets. It is engaged in providing secured retail home loans, home equity loans, and loans against property to borrowers for a period of up to twenty years. These loans are mainly to be used by borrowers for home purchase, home improvements, home extension, and the construction of dwelling units on plots owned by borrowers. Geographically, the company's operations are spread across different regions in India.
60GF Score
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Forward PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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