Intellect Design Arena Ltd logo

Intellect Design Arena Ltd

INTELLECT NSE

Key Fundamentals

MicrocapComputer Software & ConsultingInformation Technology
Market Cap
₹9,613 Cr
Volatility
Moderate
P/E Ratio
27.53
EBITDA
₹703 Cr
Return on Equity
10.73%
Debt to Equity
0.05
Book Value
₹226.03
EPS
₹22.02
52W High
₹1,244.6
52W Low
₹595.2

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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51 extracted metrics + investor summaries across FY14–FY26.

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Technical Indicators

Key Insights

Strengths

3
  • Company is almost debt free.
  • Company has been maintaining a healthy dividend payout of 24.1%
  • Company's working capital requirements have reduced from 70.7 days to 53.3 days

Weaknesses

2
  • Promoter holding is low: 29.6%
  • Company has a low return on equity of 13.0% over last 3 years.

Growth Rate

Revenue Growth
22.65% ↗
Net Income Growth
2.66% ↗
Cash Flow Change
18.35% ↗
ROE
-9.60% ↗
ROCE
-10.47% ↗
EBITDA Margin (Avg.)
-5.68% ↗

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 18d ago
AI opinion · based on fundamentals
Risk medium

Intellect Design Arena is an almost debt-free mid-cap IT product company with a market cap of ₹9,813 Cr, trading at a PE of 28.9x. FY26 total income grew 23% YoY to ₹3,161 Cr with EBITDA crossing ₹700 Cr, though the stock has declined 31% over the past year despite consistent double-digit sales compounding over 5 and 10 years.

Bull Case 8
  • FY26 total income grew 23% YoY to ₹3,161 Cr, accelerating from the 11% 3-year sales CAGR, indicating strengthening demand for its financial technology products
  • Company is virtually debt-free, providing financial flexibility and insulation from rising interest rate environments compared to leveraged IT peers
  • License-linked revenue surged 34% in FY26, reflecting growing platform adoption and a shift toward higher-margin recurring revenue streams
  • Platform revenue grew 141% YoY in FY26, demonstrating strong traction for its eMACH.ai and Purple Fabric AI-first product strategy
  • Qualified deal pipeline stands at ₹12,000 Cr, providing significant revenue visibility if converted at historical win rates
  • Working capital days improved from 70.7 to 53.3 days, freeing up cash for reinvestment and signalling better operational efficiency
  • Compounded sales growth of 15% over 5 years and 14% over 10 years demonstrates consistent long-term revenue scaling in a niche BFSI product market
  • Healthy dividend payout ratio of 24.1% with a 0.99% yield provides some return to shareholders even during growth phase investment
Bear Case 8
  • Stock has declined 31% over the past 1 year, significantly underperforming the broader IT sector and reflecting market scepticism on valuation or execution
  • Promoter holding is low at 29.6%, which raises governance concerns and increases vulnerability to hostile actions or sentiment-driven selling
  • 3-year ROE of only 13% is below the 15-20% range typical for high-quality IT product companies, suggesting capital is not being deployed efficiently enough relative to peers
  • Compounded profit growth of only 7% over 5 years significantly trails the 15% sales CAGR over the same period, indicating margin compression or rising costs
  • Q4 FY24 profit fell 19.5% YoY, showing quarterly earnings volatility that undermines confidence in profit trajectory consistency
  • PE of 28.9x is elevated relative to the modest 11% TTM profit growth, implying the stock prices in significant future acceleration that may not materialise
  • 5-year stock CAGR of -1% means shareholders have seen no capital appreciation over half a decade despite revenue doubling in that period
  • FII holding has risen from 23.5% to 27.8% over recent quarters, creating potential overhang risk if foreign institutional investors choose to book profits

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

Anthropic anthropic claude-opus-4.6 15d ago
Positives 5
  • Strong Q1FY27 revenue growth Jul 31

    Consolidated revenue surged 20.4% YoY to ₹8,451.69 million with PAT rising 8.7% to ₹1,018.22 million. Secured 19 strategic deals and expanded pipeline to ₹13,012 crore.

  • UAE bank partnership signed Jul 23

    Signed strategic partnership with a leading Sharjah-based bank to modernise corporate banking using its eMACH.ai architecture.

  • Forrester Q2 2026 recognition Jul 8

    Recognized as a notable vendor in Forrester's Q2 2026 POS report for its eMACH.ai Retail 6DX platform.

  • FY26 dividend of ₹7/share proposed Jul 6

    Reported FY26 total income of ₹31,608 million, consolidated PAT of ₹3,433 million, and proposed dividend of ₹7 per share at the 15th AGM on July 31, 2026.

  • Credit union solution suite launched Jul 20

    Launched an integrated suite combining core banking, AI lending, and digital engagement on a single platform targeting global credit unions.

Neutral 2
  • 82,500 RSUs granted to associates Jul 30

    Granted 82,500 Restricted Stock Units to seven associates at ₹5 per unit under ISOP/RSU 2016 scheme, vesting in three equal annual tranches over five years.

  • Q1 FY27 earnings call scheduled Jul 22

    Earnings conference call held on July 31, 2026, with senior management presenting Q1 FY27 results and addressing investor queries.

TL;DR: Intellect Design Arena is executing well with 20.4% YoY revenue growth, a robust deal pipeline of ₹13,012 crore, and expanding geographic reach through partnerships in the Middle East. AI-first strategy and analyst recognition reinforce its competitive positioning. No visible headwinds in the current news cycle, though PAT growth of 8.7% lagging revenue growth hints at margin pressure worth monitoring. The trend is clearly improving with strong deal momentum heading into FY27.

Quarterly Results

  Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales
639
619
634
614
606
558
610
726
702
758
731
847
845
Expenses
492
501
504
477
487
477
491
524
560
605
631
664
679
Operating Profit
148
118
131
136
119
81
119
202
142
153
100
183
166
OPM %
23%
19%
21%
22%
20%
15%
19%
28%
20%
20%
14%
22%
20%
Other Income
13
13
20
9
17
29
16
23
33
32
-9
40
28
Interest
1
1
1
1
1
1
1
1
1
1
1
2
1
Depreciation
34
34
34
35
37
39
40
41
48
49
53
59
58
PBT
127
97
116
110
98
70
94
182
125
136
37
162
135
Tax %
26%
27%
27%
33%
24%
25%
24%
25%
25%
25%
26%
26%
25%
Net Profit
94
71
85
73
75
52
71
136
94
102
27
120
102
EPS in Rs
6.87
5.16
6.17
5.33
5.43
3.82
5.06
9.75
6.8
7.35
2.04
8.61
7.28
Figures in ₹ Crores

Profit & Loss

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales
609
811
914
1,087
1,450
1,347
1,497
1,878
2,231
2,506
2,500
3,038
3,182
Expenses
689
847
937
1,012
1,317
1,271
1,138
1,403
1,793
1,964
1,969
2,454
2,579
Operating Profit
-80
-36
-23
75
132
75
360
475
439
542
531
584
603
OPM %
-13%
-4.5%
-2.6%
7%
9%
6%
24%
25%
20%
22%
21%
19%
19%
Other Income
18
27
41
32
66
38
20
43
53
62
77
95
91
Interest
1
2
13
17
16
22
13
7
6
6
8
10
6
Depreciation
19
21
24
27
42
69
77
98
122
137
156
209
218
PBT
-82
-33
-20
64
140
23
290
413
363
461
444
460
470
Tax %
2%
-28%
15%
11%
6%
22%
9%
15%
26%
30%
25%
25%
—
Net Profit
-83
-23
-22
57
131
18
265
350
269
323
334
343
351
EPS in Rs
-6.75
-1.9
-1.79
3.72
9.97
1.21
19.76
25.94
19.69
23.47
23.97
24.73
25.28
Div. Payout %
0%
0%
0%
0%
0%
0%
0%
10%
13%
15%
29%
28%
—
Figures in ₹ Crores

Balance Sheet

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
50
50
51
63
66
66
66
67
68
68
69
70
Reserves
569
561
547
739
954
979
1,326
1,741
1,990
2,370
2,716
3,100
Borrowings
8
23
232
159
133
300
82
20
27
44
72
159
Other Liabilities
304
378
353
400
478
525
567
764
802
895
985
1,211
Total Liabilities
931
1,012
1,184
1,361
1,631
1,869
2,042
2,593
2,887
3,378
3,843
4,539
Fixed Assets
213
258
278
274
334
368
397
435
494
558
727
894
CWIP
54
66
138
196
228
312
349
344
370
374
307
298
Investments
179
77
66
69
68
77
146
416
365
449
538
635
Other Assets
485
611
703
822
1,001
1,113
1,150
1,398
1,657
1,997
2,270
2,713
Total Assets
931
1,012
1,184
1,361
1,631
1,869
2,042
2,593
2,887
3,378
3,843
4,539
Figures in ₹ Crores

Cash Flow

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
-18
-101
-65
49
-50
44
463
453
174
410
431
510
Investing
132
31
-103
-154
1
-99
-193
-399
-177
-255
-244
-269
Financing
-8
16
146
143
63
80
-225
-52
-50
-49
-63
-113
Net Cash Flow
106
-54
-22
38
14
24
45
1
-52
106
124
129
Free Cash Flow
-42
-184
-158
-61
-130
-81
350
334
9
237
260
291
CFO/OP
-4
222
214
104
-13
48
143
99
56
94
100
105
Figures in ₹ Crores

Ratios

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Debtor Days
100
68
82
81
51
77
46
50
68
81
65
82
Cash Conversion Cycle
100
68
82
81
51
77
46
50
68
81
65
82
Working Capital Days
3
29
-17
26
48
27
45
47
78
86
72
53
ROCE %
—
-6%
-4%
7%
15%
2%
21%
25%
19%
20%
17%
16%

Shareholding Pattern

As of Jun 2026
Promoters 29.62%
Public 24.75%
FIIs 23.51%
Others 14.78%
DIIs 7.33%
Total 99.99%
  Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters
31.23%
31.05%
30.96%
30.91%
30.86%
30.76%
30.66%
30.64%
30.60%
30.50%
30.42%
30.38%
30.35%
30.26%
30.05%
29.95%
29.91%
29.87%
29.84%
29.81%
29.73%
29.62%
FIIs
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
24.39%
25.09%
27.85%
27.53%
27.19%
26.21%
24.86%
27.83%
27.53%
26.60%
25.57%
23.51%
DIIs
1.63%
1.60%
1.54%
1.41%
1.86%
1.58%
1.44%
4.44%
4.45%
4.27%
3.90%
3.85%
3.79%
5.23%
6.35%
7.10%
8.23%
7.16%
7.18%
7.11%
7.10%
7.33%
Government
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Public
28.54%
29.10%
29.35%
29.80%
29.65%
30.41%
32.36%
32.82%
32.88%
31.70%
30.83%
30.79%
28.77%
27.88%
27.14%
27.32%
27.94%
26.36%
23.80%
22.71%
23.66%
24.75%
Others
38.60%
38.25%
38.15%
37.88%
37.62%
37.25%
35.54%
32.10%
32.07%
33.52%
10.46%
9.89%
9.24%
9.10%
9.26%
9.42%
9.06%
8.78%
11.65%
13.77%
13.94%
14.78%
No. of Shareholders
60,605
95,381
1,05,040
1,03,120
1,03,204
1,10,444
1,21,580
1,15,477
1,12,927
1,04,462
1,00,657
1,02,985
1,03,422
1,05,176
1,05,775
1,11,649
1,12,152
1,03,830
1,04,162
1,13,373
1,14,663
1,12,804

Documents

1
Concall - Jul 2026 Jul 2026
2
Concall - May 2017 May 2017
3
Concall - Aug 2017 Aug 2017
4
Concall - Nov 2017 Nov 2017
5
Concall - Jan 2018 Jan 2018

Frequently Asked Questions about Intellect Design Arena Ltd

What does Intellect Design Arena Ltd do?
Incorporated in 2011, Intellect Design Arena Limited works globally in the fields of Financial Technology for Banking, Insurance and other Financial Services. The company has a comprehensive portfolio of products across Global Consumer Banking, Central Banking, Risk & Treasury Management, Global...
Where is Intellect Design Arena Ltd (INTELLECT) listed?
Intellect Design Arena Ltd is listed on the Indian stock exchanges. It is listed on NSE: INTELLECT and BSE: 538835. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Intellect Design Arena Ltd belong to?
Intellect Design Arena Ltd operates in the Information Technology sector within the Computer Software & Consulting industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Intellect Design Arena Ltd?
Intellect Design Arena Ltd has a market capitalisation of approximately ₹9613.14 Cr. Based on this, it is classified as a Mid Cap stock.
What is the PE ratio of Intellect Design Arena Ltd?
The Price-to-Earnings (PE) ratio of Intellect Design Arena Ltd is 27.53. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Intellect Design Arena Ltd?
Over the past 52 weeks, Intellect Design Arena Ltd has traded between a low of ₹595.2 and a high of ₹1,244.6. This range helps investors understand the stock's price volatility and recent trading levels.
Does Intellect Design Arena Ltd pay dividends?
Yes, Intellect Design Arena Ltd has a dividend yield of 1.01%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of Intellect Design Arena Ltd?
Intellect Design Arena Ltd has a Return on Equity (ROE) of 10.73%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Intellect Design Arena Ltd on Tapetide?
On Tapetide, you can view Intellect Design Arena Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.

Company Information

Incorporated in 2011, Intellect Design Arena Limited works globally in the fields of Financial Technology for Banking, Insurance and other Financial Services. The company has a comprehensive portfolio of products across Global Consumer Banking, Central Banking, Risk & Treasury Management, Global Transaction Banking and Insurance and is also engaged in the business of software development.

Website intellectdesign.com
CEO Mr. Arun Jain B.E.
Employees 5,741
Listed 2014-12-18
Face Value ₹ 5
Issued Size 13,93,15,462

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