Intellect Design Arena Ltd logo

Intellect Design Arena Ltd

INTELLECT NSE

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.

AI Verdict: HOLD Confidence: 5%

Intellect Design Arena trades at a PE of 30.9x with moderate 11% TTM profit growth and a 3-year ROE of just 13%, which is underwhelming for a premium IT valuation. The company is debt-free with strong 22% TTM sales growth, but a brutal -37% one-year stock decline signals market concerns about earnings sustainability.

Key Fundamentals

MicrocapComputer Software & ConsultingInformation Technology
Market Cap
₹10,537 Cr
Volatility
Moderate
P/E Ratio
30.12
EBITDA
₹550 Cr
Return on Equity
13.17%
Debt to Equity
0.02
Book Value
₹226.17
EPS
₹22.02
52W High
₹1,244.6
52W Low
₹595.2

Technical Indicators

Key Insights

Strengths

2
  • Company is almost debt free.
  • Company has been maintaining a healthy dividend payout of 24.1%

Weaknesses

1
  • Company has a low return on equity of 13.0% over last 3 years.

Growth Rate

Revenue Growth
17.90% ↗
Net Income Growth
1.99% ↘
Cash Flow Change
5.17% ↗
ROE
-9.87% ↘
ROCE
-14.35% ↘
EBITDA Margin (Avg.)
-26.34% ↘

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 9d ago
HOLD
Risk high

Intellect Design Arena trades at a PE of 30.9x with moderate 11% TTM profit growth and a 3-year ROE of just 13%, which is underwhelming for a premium IT valuation. The company is debt-free with strong 22% TTM sales growth, but a brutal -37% one-year stock decline signals market concerns about earnings sustainability.

Bull Case 7
  • Company is virtually debt-free, providing strong balance sheet flexibility and low financial risk in a rising interest rate environment
  • TTM revenue growth of 22% is significantly above the 5-year CAGR of 15%, indicating accelerating top-line momentum
  • 75% of analysts (3 out of 4) have a Buy rating with zero Sell ratings, reflecting institutional confidence
  • 10-year compounded profit CAGR of 31% demonstrates long-term earnings compounding ability in the BFSI technology space
  • Healthy dividend payout of 24.1% with 0.92% yield provides income support, unusual for a mid-cap IT company
  • 5-year compounded sales CAGR of 15% shows consistent double-digit revenue growth through multiple cycles
  • Market cap of Rs 10,791 crore places it in the mid-cap sweet spot with room for re-rating if execution continues
Bear Case 8
  • Stock has declined -37% over the past 1 year, destroying significant shareholder value and indicating severe market de-rating
  • PE of 30.9x is expensive relative to a 3-year ROE of only 13%, implying the market is pricing in growth that has not materialized in returns
  • 5-year stock CAGR of 0% means investors have earned zero capital appreciation over half a decade despite revenue growth
  • TTM profit growth of 11% lags TTM sales growth of 22%, indicating margin compression and declining operating leverage
  • ROE has stagnated between 12-14% across all time periods (Last Year 12%, 3Y 13%, 5Y 14%, 10Y 13%), showing no improvement in capital efficiency
  • Price-to-book of 3.35x is hard to justify when ROE is only 12-13%, as the spread over cost of equity is minimal
  • 5-year compounded profit CAGR of only 7% versus sales CAGR of 15% reveals persistent margin erosion over a meaningful period
  • With only 4 total analyst ratings, the stock has thin coverage which limits price discovery and institutional participation

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

AI News Digest

Anthropic anthropic claude-opus-4.6 9d ago
Positives 4
  • AI Banking platform for UK/Europe Jun 2

    Launched AI Digital Banking platform targeting UK and European challenger banks, addressing 51 friction points with 28 critical capabilities. Targets 20% reduction in Cost to Income Ratio and 22-28% Return on Equity for clients.

  • AU SFB adopts Purple Fabric May 19

    AU Small Finance Bank selected Purple Fabric platform for AI-first banking transformation, using PF Credit agents for real-time credit assessments.

  • New CEO for Purple Fabric Jun 8

    Appointed Deepak Dastrala as CEO of Purple Fabric effective June 7, 2026, bringing over two decades of experience in AI and product development.

  • Forrester AI report recognition May 21

    Named a notable vendor in Forrester's AI Platforms Landscape Q1 2026 for Purple Fabric's role in enabling governed, enterprise-scale AI.

Neutral 2
  • Multiple analyst/investor meetings Jun 15

    Scheduled one-on-one meetings with Haitong Securities (Jun 15), One Degree Capital (Jun 16), Choice Institutional Equities (Jun 12), Raedan Capital (Jun 4), and institutional investors (May 27). CMD Arun Jain leading key sessions.

  • Virtual investor meet with N.T Asset May 19

    Held a one-on-one virtual investor meet with N.T Asset on May 19, 2026, represented by CFO and Investor Relations team.

TL;DR: Intellect Design Arena is executing well on its AI-first strategy, securing client wins (AU SFB), launching a regulation-compliant platform for UK/Europe, and gaining analyst recognition (Forrester). No visible headwinds in recent news flow. Active investor engagement suggests management confidence. The trend is improving with Purple Fabric gaining commercial traction and leadership depth.

Quarterly Results

  Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales
616
639
619
634
614
606
558
610
726
702
758
731
847
Expenses
479
492
501
504
477
487
477
491
524
560
605
631
664
Operating Profit
137
148
118
131
136
119
81
119
202
142
153
100
183
OPM %
22%
23%
19%
21%
22%
20%
15%
19%
28%
20%
20%
14%
22%
Other Income
20
13
13
20
9
17
29
16
23
33
32
-9
40
Interest
0
1
1
1
1
1
1
1
1
1
1
1
2
Depreciation
33
34
34
34
35
37
39
40
41
48
49
53
59
PBT
124
127
97
116
110
98
70
94
182
125
136
37
162
Tax %
26%
26%
27%
27%
33%
24%
25%
24%
25%
25%
25%
26%
26%
Net Profit
91
94
71
85
73
75
52
71
136
94
102
27
120
EPS in Rs
6.68
6.87
5.16
6.17
5.33
5.43
3.82
5.06
9.75
6.8
7.35
2.04
8.61
Figures in ₹ Crores

Profit & Loss

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Sales
609
811
914
1,087
1,450
1,347
1,497
1,878
2,231
2,506
2,500
3,038
Expenses
689
847
937
1,012
1,317
1,271
1,138
1,403
1,793
1,964
1,969
2,458
Operating Profit
-80
-36
-23
75
132
75
360
475
439
542
531
580
OPM %
-13%
-4%
-3%
7%
9%
6%
24%
25%
20%
22%
21%
19%
Other Income
18
27
41
32
66
38
20
43
53
62
77
95
Interest
1
2
13
17
16
22
13
7
6
6
8
6
Depreciation
19
21
24
27
42
69
77
98
122
137
156
209
PBT
-82
-33
-20
64
140
23
290
413
363
461
444
460
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
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
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
1,251
Total Liabilities
931
1,012
1,184
1,361
1,631
1,869
2,042
2,593
2,887
3,378
3,843
4,580
Fixed Assets
213
258
278
274
334
368
397
435
494
558
727
1,177
CWIP
54
66
138
196
228
312
349
344
370
374
307
15
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
2,753
Total Assets
931
1,012
1,184
1,361
1,631
1,869
2,042
2,593
2,887
3,378
3,843
4,580
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
-272
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
125
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
97
ROCE %
—
-6%
-4%
7%
15%
2%
21%
25%
19%
20%
17%
16%

Shareholding Pattern

As of Mar 2026
Promoters 29.73%
FIIs 25.57%
Public 23.66%
Others 13.94%
DIIs 7.10%
Total 100.00%
  Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 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%
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%
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%
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%
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%
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%
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

Documents

1
Concall - May 2017 May 2017
2
Concall - Aug 2017 Aug 2017
3
Concall - Nov 2017 Nov 2017
4
Concall - Jan 2018 Jan 2018
5
Concall - May 2018 May 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 IT - Software 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 ₹10536.98 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 30.12. 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 0.93%. 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 13.17%. 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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