INTELLECT
Intellect Design Arena Limited (INTELLECT) Stock Analysis
Intellect Design Arena Limited builds banking and insurance software products for global financial institutions. Its iGCB and iGTB platforms power digital banking and payments. The company competes as a product-led fintech vendor from India. It is a listed enterprise software firm.
Technology › Software - Application
₹584.10
-4.39% 1W | -43.70% 52W
Market Cap
8.1k CR
P/E Ratio
23.5
52W High
₹1244.6
52W Low
₹564
Div. Yield
0.71%
Beta
0.7
50 DMA
₹673.2
200 DMA
₹725.6
Profit Margin
11.1%
Inst. Own.
14.6%
⚠️ BREAKDOWN
⚠️ BREAKDOWN
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 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 |
| Profit before tax | 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 | 6.80 | 7.35 | 2.04 | 8.61 | 7.28 |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| Profit before tax | -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 | -1.90 | -1.79 | 3.72 | 9.97 | 1.21 | 19.76 | 25.94 | 19.69 | 23.47 | 23.97 | 24.73 | 25.28 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 10% | 13% | 15% | 29% | 28% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 11.0% | 15.0% | 14.0% |
| Profit CAGR | 11.0% | 7.0% | 31.0% |
Shareholding Pattern
Promoters29.87%
FIIs27.83%
DIIs7.15%
Public35.13%
Promoters29.84%
FIIs27.53%
DIIs7.19%
Public35.45%
Promoters29.81%
FIIs26.60%
DIIs7.11%
Public36.48%
Promoters29.73%
FIIs25.57%
DIIs7.10%
Public37.61%
Promoters29.63%
FIIs23.51%
DIIs7.34%
Public39.53%
Promoters30.60%
FIIs22.31%
DIIs4.45%
Public42.64%
Promoters30.35%
FIIs27.85%
DIIs3.79%
Public38.01%
Promoters29.91%
FIIs24.86%
DIIs8.23%
Public36.99%
Promoters29.73%
FIIs25.57%
DIIs7.10%
Public37.61%
Promoters29.63%
FIIs23.51%
DIIs7.34%
Public39.53%
INTELLECT
Holdings Analysis
Key strengths & risk signals
57
Overall
55
Fundamental
59
Technical
Risks (4)
TOO MUCH PUBLIC HOLDING! 41.57% public ownership - higher volatility risk.
POOR YEAR! Stock declined 43.7% in the last year.
WEAK POSITION! Current price (584.1) is below both moving averages.
WEAK! Trading at 3.0% of 52W range - near yearly lows.
Strengths (4)
GOOD STABILITY! Only 1 revenue dip in history. Strong business fundamentals.
BULLISH SENTIMENT! In last 30 days: 11 up days, 19 down days. Avg volume on up days: 489,297 vs down days: 287,331. Ratio: 1.7x
OVERSOLD! RSI at 29.6 - potential bounce opportunity.
LOW VOLATILITY! Beta of 0.70 - stable stock, less market risk.
Fundamental & Technical Analysis
57Overall
55Fundamental
59Technical
Fundamental Breakdown
Growth Quality
19/30
Revenue CAGR: 10.8% (GOOD, 11/15). Profit CAGR: 8.9% (MODERATE, 8/15).
Profit Margin
5/10
DECENT EFFICIENCY! 11.1% profit margin - acceptable profitability.
PEG Valuation
5/10
OVERVALUED! PEG of 2.64 means expensive relative to growth rate.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.71% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.03 - excellent financial health.
Public Holding
5/20
TOO MUCH PUBLIC HOLDING! 41.57% public ownership - higher volatility risk.
Stability Index
8/10
GOOD STABILITY! Only 1 revenue dip in history. Strong business fundamentals.
Technical Breakdown
Moving Averages
5/10
BEARISH TREND! 50-day average (673.2) is below 200-day average (725.6) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (584.1) is below both moving averages.
Trend Pattern
10/20
BREAKDOWN! Stock has broken below support levels - weakness present.
52W Performance
0/10
POOR YEAR! Stock declined 43.7% in the last year.
Volume Sentiment
30/30
BULLISH SENTIMENT! In last 30 days: 11 up days, 19 down days. Avg volume on up days: 489,297 vs down days: 287,331. Ratio: 1.7x
RSI
5/5
OVERSOLD! RSI at 29.6 - potential bounce opportunity.
52W Range
1/5
WEAK! Trading at 3.0% of 52W range - near yearly lows.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 4.4% (1 week), 14.7% (1 month), 23.0% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.70 - stable stock, less market risk.
INTELLECT
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q1FY272026-08-07 | Concall PDF | |
| Q3FY262026-02-06 | Concall PDF | |
| Q2FY262025-11-05 | Concall PDF |
Peer Comparison
Technology · Software - Application · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| INTELLECT | ₹584.10 | 23.5 | 11.1% | 10.8% | 8.9% | -43.7% | 57 | BREAKDOWN | +8.0% | -15.1% | +20.5% | -0.2% |
| TANLA | ₹498.40 | 12.4 | 11.6% | 9.6% | 4.4% | -30.6% | 52 | CONSOLIDATING DOWN | +20.1% | +5.9% | +17.8% | +4.2% |
| RATEGAIN | ₹853.60 | 41.7 | 10.4% | 47.8% | 41.6% | +25.1% | 73 | BREAKOUT | +102.3% | +35.6% | +187.7% | +9.7% |
| BLACKBUCK | ₹592.00 | 64.3 | 23.7% | 53.9% | – | -14.3% | 61 | BREAKDOWN | +25.2% | -35.8% | +42.2% | +10.1% |
| AMAGI | ₹559.40 | 118 | 6.3% | 30.3% | – | +61.2% | 71 | BOUNCE FROM SUPPORT | +769.2% | -1.2% | +32.4% | +10.1% |
| KPITTECH | ₹479.00 | 22.5 | 8.8% | 24.3% | 18.7% | -59.2% | 68 | BREAKDOWN | -31.8% | -28.1% | +8.9% | -2.1% |
| KFINTECH | ₹838.20 | 42.7 | 24.4% | 22.5% | 20.6% | -15.9% | 67 | BREAKDOWN | -2.7% | -7.3% | +30.1% | +2.6% |
| BBOX | ₹892.10 | 68.4 | 3.4% | 0.2% | 109.4% | +48.9% | 80 | BREAKOUT | +17.9% | -13.7% | +23.9% | +1.6% |
Data from TradeAlone · Updated daily
INTELLECT News
Intellect Design Arena Limited Upgrades Cargills Bank’s Core Banking Architecture for the Next Decade2026-09-23Intellect Design Arena Limited (intellect) Wins ‘best AI Development Platform’ at ET Enterprise AI Awards 20262026-09-22Intellect Design Arena Limited (intellect) Powers Swaziland Building Society’s Transition to Commercial Banking2026-08-04Intellect Design Arena Limited (intellect) Q1 FY27: Revenue Up 19%, LTM PBT Crosses INR 500 Cr Milestone2026-07-31Intellect Design Arena Limited (intellect) Partners with Leading UAE Bank to Transform Corporate Banking Landscape2026-07-23Intellect Design Arena Launches Credit Union Solution Suite Globally2026-07-20Intellect Design Arena Limited (intellect) Secures Three Strategic Deals for Emach.ai Custody2026-07-13Intellect Design Arena Limited Recognized in Forrester’s Q2 2026 POS Solutions Landscape Report2026-07-08Intellect Design Arena Limited (INTELLECT) nears resistance, gains 5% intraday2026-07-03Intellect Design Arena Limited (intellect) Dominates Ibsi Global Sales League Table 2026 with #1 Rankings Across 8 Key Banking Technology Categories2026-07-01Intellect Design Arena Limited (intellect) Recognized in 2026 NRF APAC Innovators Report2026-06-29Intellect Design Arena Limited (intellect): Recognized as Notable Vendor in Digital Wealth Management Landscape, Q2 20262026-06-18Intellect Design Arena Limited Announces Strategic Carve-out of Purple Fabric into Independent Line of Business2026-06-08Intellect Design Arena Launches AI Digital Banking Platform for UK & Europe2026-06-02Intellect Design Arena Limited (intellect) Recognized as Notable Vendor in Forrester’s AI Platforms Landscape Q1 20262026-05-21
