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Intellect Design Arena Limited INTELLECT NIFTY_SMALLNSEAITECH

Technology · Software - Application · India
https://www.intellectdesign.com
Company Profile ↓
₹686.65
-25.62% 1Y
Mkt Cap₹9,590.93 Cr
P/E28.25
P/B3.16
Div. Yield0.55%
52W High₹1,186.57
52W Low₹592.84
Book Value₹226.96
EPS (TTM)₹24.31

Company Overview

Intellect Design Arena Limited engages in the development, marketing, and sale of integrated banking software systems in India and internationally. It is also involved in supporting the implementation of the systems; and provides help desk support services to users of intellect software systems. In addition, the company provides software development services in the areas of wholesale banking comprising corporate core, commercial loan, payments, liquidity management, investments, virtual accounts, trade and supply chain finance, receivables and collections, treasury, corporate escrow deposits, and corporate banking exchange. Further, it offers consumer banking, including core banking, lending, cards, collection management, and digital engagement; wealth management; financial advisory, such as brokerage, custody, and transfer agency; insurance, such as magic submission, risk analyst, and underwriting; and bank treasury. The company develops IntellectAI's Purple Fabric an open business impact AI platform that delivers secure, decision-grade intelligence with measurable business impact; eMACH.ai, an composable and open finance platform which focuses on finance operations; iTurmeric, an integration and configuration platform; and Academic TeamSpace, an AI collaboration platform for the education sector. It serves retail and corporate customers, central banks, wealth managers, private bankers, card issuers, as well as capital market participants such as brokers, custodians, asset managers, insurance carriers, government enterprises, corporates and retail chains, and educational institutions. Intellect Design Arena Limited was incorporated in 2011 and is headquartered in Chennai, India.

Why Investors Should Care

Steady Revenue Expansion

Revenue has grown at a 10.8% CAGR over the past five years.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.05.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Mar 2026 Revenue of ₹3,038.18 Cr (+21.5% YoY); net profit ₹345.43 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +21.5%, earnings +3.8%.
  • 5-Year Trend Long-term compounding — revenue CAGR 10.8%, profit CAGR 8.9%.

Growth & Price Performance

Compounded Sales Growth

5 Years:10.84%
1 Year:21.53%

Compounded Profit Growth

5 Years:8.93%
1 Year:3.80%

Stock Price Performance

1 Year:-25.62%
6 Months:+1.80%
3 Months:-7.80%
1 Month:-4.85%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

AI Exposure AI BFSI Software / AI Lending Platform
Core Focus

Intellect Design Arena's 'eMACH.ai' is a microservices/API-first platform with embedded AI for retail/corporate banking, treasury and capital markets. Used by 270+ banks globally including HDFC, RBI and major foreign banks.

Key Initiatives
  • Purple Fabric / AI for BFSI Intellect's AI platforms (including its Purple Fabric enterprise-AI initiative) embed GenAI and ML into core banking, lending and treasury products for global financial institutions.
  • Contextual banking products AI-driven personalisation and risk analytics across its iGTB and iGCB product suites differentiate Intellect's licensed software.
  • Cloud-native AI SaaS shift Migration to AI-enabled SaaS deepens recurring revenue and stickiness with banking clients.
Why Investors Should Care
  • A product company (not just services) embedding AI into mission-critical banking software.
  • Strong revenue growth (~22%) with improving SaaS mix; ROCE ~16%.
  • Product/IP model gives operating leverage as AI features command pricing.
  • Lumpy licence deals make quarterly revenue volatile.
AI InvestmentR&D 12-15% of revenue — among the highest in Indian software. AI talent in Chennai, Bangalore.
AI RevenueRevenue ~₹2,500 Cr FY25; cloud SaaS revenue with AI features fastest-growing segment.
ROI (Now)EBITDA margin ~20%, recovering. Lumpy quarter-to-quarter on license deal timing.
ROI (Expected)Banking-AI cloud SaaS transition is the multi-year thesis. Subscription revenue could re-rate stock.

Curated from public filings and analyst commentary; figures are illustrative.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Compounding revenue at 10.8% over 5 years.
  • Generates positive free cash flow.

CONS

  • Trading 42.1% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
28.25
Industry PE
27.95
Forward P/E
16.22
PEG Ratio
-
Book Value
₹226.96
Price to Book
3.16
P/S
3.16
EV/EBITDA
22.74
Dividend Yield
0.55%

Growth (CAGR)

Revenue 5Y
10.84%
Profit 5Y
8.93%
Revenue (YoY)
21.53%
Earnings (YoY)
3.80%

Profitability & Returns

ROCE
13.68%
ROE
10.90%
ROA
7.54%
Profit Margin
11.37%
Op Margin
13.35%
Gross Margin
35.54%
EPS (Latest Qtr)
₹7.19
EPS (TTM)
₹24.31

Balance Sheet & Liquidity

Debt/Equity
0.05
Quick Ratio
-
Current Ratio
2.11
Debt
₹158.71 Cr
Total Assets
₹4,579.65 Cr
Current Assets
₹2,464.20 Cr
Working Capital
₹1,294.90 Cr

Ownership

Promoter Holding
43.49%
Chg in Prom Hold
-0.03%
FII / Inst Holding
14.87%
Chg in FII Hold
0.27%

Financial Snapshot

Enterprise Value
₹9,590.93 Cr
Total Revenue (TTM)
₹3,038.18 Cr
EBITDA
₹675.28 Cr
Free Cash Flow
₹290.97 Cr
Operating Cash Flow
₹510.50 Cr
Shares Outstanding
₹13.97 Cr
Gross Margin
35.54%
Payout Ratio
16.10%

Peer comparison

Peer companies in the same sector (Technology).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 INTELLECT Intellect Design Arena Limited NIFTY_SMALLNSEAITECH 686.65 28.25 ₹9,590.93 Cr 0.55% 13.68% 10.90% 10.84% 8.93%
2 TCS Tata Consultancy Services Limited NIFTY50NSEAITECH 2,304.00 16.94 ₹8.34 L Cr 2.74% 54.93% 45.89% 5.80% 5.30%
3 INFY Infosys Limited NIFTY50NSEAITECH 1,130.00 1,412.50 ₹4.58 L Cr 4.29% 41.66% 33.85% 3.44% 3.58%
4 HCLTECH HCL Technologies Limited NIFTY50NSEAITECH 1,293.40 21.08 ₹3.51 L Cr 4.49% 27.21% 22.14% 8.65% 3.87%
5 WIPRO Wipro Limited NIFTY50NSEAITECH 176.40 14.04 ₹1.85 L Cr 4.30% 17.85% 14.91% 0.78% 5.16%
6 TECHM Tech Mahindra Limited NIFTY50NSEAITECH 1,596.90 29.47 ₹1.56 L Cr 3.12% 19.82% 16.24% 2.16% -0.14%
7 LTM LTM Limited NSETECH 4,554.00 26.93 ₹1.35 L Cr 1.66% 25.39% 20.89% 8.43% 4.41%
8 LGEINDIA LG ELECTRONICS INDIA LTD NIFTY_MIDNSETECH 1,640.70 66.08 ₹1.11 L Cr 0.00% 27.64% 21.98% 1.25% -
9 PAYTM One97 Communications Limited NIFTY_MIDNSEAITECH 1,659.50 194.09 ₹1.06 L Cr 0.00% 3.68% 3.45% 2.20% 43.71%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue 616.00 Cr639.00 Cr619.00 Cr634.00 Cr614.00 Cr606.00 Cr558.00 Cr-725.91 Cr701.69 Cr758.00 Cr731.38 Cr847.02 Cr845.17 Cr
Cost of Revenue --------410.24 Cr415.97 Cr-450.25 Cr496.51 Cr516.71 Cr
Gross Profit --------315.66 Cr285.72 Cr-281.13 Cr350.51 Cr328.46 Cr
Operating Expenses 479.00 Cr492.00 Cr501.00 Cr504.00 Cr477.00 Cr487.00 Cr477.00 Cr-152.88 Cr190.51 Cr605.00 Cr234.09 Cr225.86 Cr219.86 Cr
Operating Income 104.00 Cr114.00 Cr84.00 Cr97.00 Cr101.00 Cr82.00 Cr42.00 Cr-162.78 Cr95.20 Cr104.00 Cr47.04 Cr124.65 Cr108.60 Cr
EBITDA 137.00 Cr148.00 Cr118.00 Cr131.00 Cr136.00 Cr119.00 Cr81.00 Cr-224.57 Cr174.77 Cr153.00 Cr91.64 Cr222.95 Cr193.99 Cr
Interest Expense 01.00 Cr1.00 Cr1.00 Cr1.00 Cr1.00 Cr1.00 Cr-98.60 L1.39 Cr1.00 Cr1.44 Cr2.13 Cr1.24 Cr
Pretax Income 124.00 Cr127.00 Cr97.00 Cr116.00 Cr110.00 Cr98.00 Cr70.00 Cr-182.15 Cr125.24 Cr136.00 Cr36.97 Cr162.10 Cr135.16 Cr
Tax Provision 32.24 Cr33.02 Cr26.19 Cr31.32 Cr36.30 Cr23.52 Cr17.50 Cr-45.75 Cr31.54 Cr34.00 Cr9.55 Cr41.88 Cr33.34 Cr
Net Income 91.00 Cr94.00 Cr71.00 Cr85.00 Cr73.00 Cr75.00 Cr52.00 Cr-135.32 Cr94.49 Cr102.00 Cr28.45 Cr120.23 Cr102.07 Cr
Diluted EPS 6.686.875.166.175.335.433.82-9.566.657.352.008.497.19

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 609.00 Cr811.00 Cr914.00 Cr1,087.00 Cr1,450.00 Cr1,347.00 Cr1,497.00 Cr-2,231.25 Cr2,506.44 Cr2,500.00 Cr3,038.18 Cr
Cost of Revenue --------1,403.74 Cr1,534.30 Cr1,567.84 Cr1,958.37 Cr
Gross Profit --------827.51 Cr972.14 Cr932.16 Cr1,079.81 Cr
Operating Expenses 689.00 Cr847.00 Cr937.00 Cr1,012.00 Cr1,317.00 Cr1,271.00 Cr1,138.00 Cr-474.20 Cr541.25 Cr533.86 Cr674.20 Cr
Operating Income -99.00 Cr-57.00 Cr-47.00 Cr48.00 Cr90.00 Cr6.00 Cr283.00 Cr-353.30 Cr430.88 Cr398.31 Cr405.61 Cr
EBITDA -80.00 Cr-36.00 Cr-23.00 Cr75.00 Cr132.00 Cr75.00 Cr360.00 Cr-488.05 Cr601.03 Cr604.31 Cr675.28 Cr
Interest Expense 1.00 Cr2.00 Cr13.00 Cr17.00 Cr16.00 Cr22.00 Cr13.00 Cr-3.19 Cr2.62 Cr4.19 Cr6.31 Cr
Pretax Income -82.00 Cr-33.00 Cr-20.00 Cr64.00 Cr140.00 Cr23.00 Cr290.00 Cr-363.35 Cr461.18 Cr443.71 Cr460.06 Cr
Tax Provision -1.64 Cr9.24 Cr-3.00 Cr7.04 Cr8.40 Cr5.06 Cr26.10 Cr-94.75 Cr138.48 Cr109.29 Cr116.81 Cr
Net Income -83.00 Cr-23.00 Cr-22.00 Cr57.00 Cr131.00 Cr18.00 Cr265.00 Cr-267.23 Cr321.19 Cr332.77 Cr345.43 Cr
Diluted EPS -6.75-1.90-1.793.729.971.2119.7625.1419.2322.8523.6024.31

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 931.00 Cr1,012.00 Cr1,184.00 Cr1,361.00 Cr1,631.00 Cr1,869.00 Cr2,042.00 Cr-2,887.32 Cr3,404.93 Cr3,882.04 Cr4,579.65 Cr
Current Assets --------1,401.80 Cr1,783.31 Cr1,977.84 Cr2,464.20 Cr
Cash & Equivalents --------85.99 Cr191.06 Cr301.90 Cr424.35 Cr
Inventory ------------
Receivables --------415.75 Cr554.29 Cr448.53 Cr678.67 Cr
Total Liabilities --------818.70 Cr953.79 Cr1,065.19 Cr1,380.43 Cr
Current Liabilities --------800.34 Cr875.07 Cr950.52 Cr1,169.29 Cr
Long Term Debt -------0----
Total Debt 8.00 Cr23.00 Cr232.00 Cr159.00 Cr133.00 Cr300.00 Cr82.00 Cr-27.13 Cr44.30 Cr71.78 Cr158.71 Cr
Total Equity 619.00 Cr611.00 Cr598.00 Cr802.00 Cr1,020.00 Cr1,045.00 Cr1,392.00 Cr-2,057.70 Cr2,438.85 Cr2,785.83 Cr3,170.11 Cr
Shares Outstanding --------13.57 Cr13.68 Cr13.89 Cr13.97 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -18.00 Cr-101.00 Cr-65.00 Cr49.00 Cr-50.00 Cr44.00 Cr463.00 Cr-174.39 Cr410.15 Cr431.36 Cr510.50 Cr
Investing Cash Flow 132.00 Cr31.00 Cr-103.00 Cr-154.00 Cr1.00 Cr-99.00 Cr-193.00 Cr--177.39 Cr-254.73 Cr-244.65 Cr-272.33 Cr
Financing Cash Flow -8.00 Cr16.00 Cr146.00 Cr143.00 Cr63.00 Cr80.00 Cr-225.00 Cr--49.54 Cr-49.03 Cr-63.31 Cr-113.22 Cr
Capital Expenditure -24.00 Cr-83.00 Cr-93.00 Cr-110.00 Cr-80.00 Cr-125.00 Cr-113.00 Cr--165.88 Cr-172.96 Cr-171.83 Cr-219.53 Cr
Free Cash Flow -42.00 Cr-184.00 Cr-158.00 Cr-61.00 Cr-130.00 Cr-81.00 Cr350.00 Cr-8.51 Cr237.19 Cr259.53 Cr290.97 Cr
Net Change in Cash 106.00 Cr-54.00 Cr-22.00 Cr38.00 Cr14.00 Cr24.00 Cr45.00 Cr--52.54 Cr106.39 Cr123.41 Cr124.94 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % --------37.1%38.8%37.3%35.5%
Operating Margin % -16.3%-7.0%-5.1%4.4%6.2%0.4%18.9%-15.8%17.2%15.9%13.4%
Net Margin % -13.6%-2.8%-2.4%5.2%9.0%1.3%17.7%-12.0%12.8%13.3%11.4%
ROE % -13.4%-3.8%-3.7%7.1%12.8%1.7%19.0%-13.0%13.2%11.9%10.9%
ROCE % --------16.9%17.0%13.6%11.9%

Shareholding Pattern

Insiders
43.49%
Institutions
14.87%
Public Float
26.31%

Analyst View

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Latest News

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INTELLECT — Frequently Asked Questions

What is the current share price of Intellect Design Arena Limited (INTELLECT)?

As of 2026-09-08 04:53 IST, Intellect Design Arena Limited (INTELLECT) trades at ₹686.65 on NSE. Its 52-week range is ₹592.84 to ₹1,186.57.

What is the market capitalisation of INTELLECT?

Intellect Design Arena Limited (INTELLECT) has a market capitalisation of ₹9,590.93 Cr on NSE.

What is the P/E ratio of INTELLECT?

INTELLECT trades at a trailing price-to-earnings (P/E) ratio of 28.25. The industry average P/E is 27.95. Its price-to-book (P/B) ratio is 3.16.

Does INTELLECT pay a dividend?

Intellect Design Arena Limited (INTELLECT) currently offers a dividend yield of 0.55%.

What is the return on equity (ROE) of INTELLECT?

INTELLECT has a return on equity (ROE) of 10.90%. Its return on capital employed (ROCE) is 13.68%.

Is INTELLECT a good stock to buy?

This page provides a data-driven analysis of Intellect Design Arena Limited (INTELLECT), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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