Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt.
As of today, India Shelter Finance's Net Debt Paydown Yield % was -19.57%.
India Shelter Finance (BOM:544044) Net Debt Paydown Yield % Explanation
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.
In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.
India Shelter Finance Net Debt Paydown Yield % Related Terms
India Shelter Finance Net Debt Paydown Yield % Historical Data
* Premium members only.
The historical data trend for India Shelter Finance's Net Debt Paydown Yield % 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 Net Debt Paydown Yield % Chart
BOM:544044 vs RKT, FNMA, PFSI: Net Debt Paydown Yield % Comparison
For the Mortgage Finance subindustry, India Shelter Finance's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Banks Industry
For the Banks industry and Financial Services sector, India Shelter Finance's Net Debt Paydown Yield % distribution charts can be found below:
* The bar in red indicates where India Shelter Finance's Net Debt Paydown Yield % falls into.
* 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
What does a Net Debt Paydown Yield % of -19.57% mean?
India Shelter Finance (BOM:544044) has a Net Debt Paydown Yield % of -19.57% as of Aug. 13, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on India Shelter Finance and its competitors. According to the industry distribution chart, India Shelter Finance ranks #1164 out of 1417 companies in the Banks industry, placing it in the top 82.1%.
Is India Shelter Finance's Net Debt Paydown Yield % too high?
India Shelter Finance's current Net Debt Paydown Yield % is -19.57%. Based on the distribution chart, India Shelter Finance ranks #1164 out of 1417 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, India Shelter Finance has a GF Score™ of 59/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does India Shelter Finance's Net Debt Paydown Yield % compare to RKT and FNMA?
According to the Banks industry distribution chart, India Shelter Finance ranks #1164 out of 1417 companies for Net Debt Paydown Yield %. This places India Shelter Finance in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for a Banks company?
A good Net Debt Paydown Yield % depends on the Banks industry context. However, Net Debt Paydown Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on India Shelter Finance and its competitors. India Shelter Finance's current Net Debt Paydown Yield % is -19.57%. 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 ₹1,176.02, compared to a current price of ₹682.55 — trading 42% below its estimated fair value. The current Net Debt Paydown Yield % is -19.57%. India Shelter Finance's overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For India Shelter Finance (BOM:544044), the current Net Debt Paydown Yield % is -19.57% as of Aug. 13, 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 ₹682.55 is trading 42% below its estimated GF Value™ of ₹1,176.02.
GuruFocus considers India Shelter Finance to be Possible Value Trap.
Key valuation signals for BOM:544044:
Net Debt Paydown Yield %: -19.57%
GF Value™: ₹1,176.02 vs. price of ₹682.55 (42% below fair value)
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.
59GF Score
Get the complete analysis for BOM:544044
Net Debt Paydown Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BOM:544044 has been successfully added to your 
