AI Summary
✦ ClarthaPrice Forecast
Probabilistic Range
Probabilistic lognormal cone using 1Y realized volatility and analyst-target drift when available.
Revenue Forecast
₹ CrEPS Forecast
₹ / shareMulti-factor synthesis of 5 key dimensions
From 17 analysts
Fundamentals
Fundamentals institutional score is 81 using growth durability 81.4.
Valuation
Valuation institutional score is 95 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 73 using mean target upside 34.1%; dispersion penalty 21.1; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 36 using EMA-20 continuation within 5% tolerance; VCP range/volume contraction proxy.
Market Sentiment
Recent news flow is balanced or not decisive enough to tilt the tape. Based on 8 recent ticker-linked news items.
Signal Summary
Market intelligence remains Neutral. fundamentals and valuation provide support, while technical structure and market sentiment remain considerations.
Composite weights: Fundamentals 25%, Valuation 20%, Analyst Consensus 20%, Technical Structure 20%, Market Sentiment 15%.
Key Data Points
Important Note: This is market intelligence, not investment advice. Always conduct your own research and consider your financial goals and risk tolerance.
Valuation Metrics
Trading 14.9% below historical median. Valuation is stable — currently in the strongly undervalued zone (z-score: -1.25). Confidence: 89%.
Live forward EPS implies next-12-month EPS of ₹26.08. Applying the stock's normalized valuation corridor produces a fair range of ₹367.73 to ₹422.50, with base value near ₹400.33 (+56.0% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹26.08
Forward P/E
9.8x
Base Fair Value
₹400.33
Fair Range
₹367.73 - ₹422.50
Upside To Base
+56.0%
Estimate Source
Live forward EPS
Growth Estimate
+19.0%
5Y Average
3.15
Current
2.54
Overvalued
3.62
Undervalued
2.67
5Y Average
14.81
Current
13.06
Overvalued
16.20
Undervalued
14.10
5Y Average
9.15
Current
8.06
Overvalued
9.89
Undervalued
8.45
Peers & Comparison
Sector: Financials · Theme: Home Financing
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
LIC HOUSING FINANCE LTD LICHSGFINHome Financing | +14.5% | 65.2% | 4.8x Undervalued | -95% vs avg | -12.8% |
AADHAR HOUSING FINANCE L AADHARHFCConsumer Finance | +19.6% | 48.2% | 19.5x Undervalued | -81% vs avg | -0.9% |
AAVAS FINANCIERS LIMITED AAVASHome Financing | +16.9% | 42.5% | 15.8x Undervalued | -85% vs avg | -18.7% |
INDIA SHELTER FIN CORP L INDIASHLTRHome Financing | +21.8% | 48.0% | 13.7x Undervalued | -87% vs avg | -30.4% |
PNB HOUSING FIN LTD. PNBHOUSINGHome Financing | +5.8% | 61.4% | 12.8x Undervalued | -88% vs avg | +49.8% |
SAMMAAN CAPITAL LIMITED SAMMAANCAPHome Financing | — | 0.0% | — | — | +35.8% |
PIRAMAL FINANCE LIMITED PIRAMALFINHome Financing | +30.4% | 32.6% | 28.4x Undervalued | -72% vs avg | +58.8% |
MAX FINANCIAL SERV LTD MFSLInsurance | -40.2% | 0.2% | 624.6x Premium | +508% vs avg | -5.7% |
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
LIC HOUSING FINANCE LTD LICHSGFINHome Financing | +14.5% | 65.2% | 4.8x Undervalued | -95% vs avg | -12.8% |
AAVAS FINANCIERS LIMITED AAVASHome Financing | +16.9% | 42.5% | 15.8x Undervalued | -85% vs avg | -18.7% |
INDIA SHELTER FIN CORP L INDIASHLTRHome Financing | +21.8% | 48.0% | 13.7x Undervalued | -87% vs avg | -30.4% |
PNB HOUSING FIN LTD. PNBHOUSINGHome Financing | +5.8% | 61.4% | 12.8x Undervalued | -88% vs avg | +49.8% |
SAMMAAN CAPITAL LIMITED SAMMAANCAPHome Financing | — | 0.0% | — | — | +35.8% |
PIRAMAL FINANCE LIMITED PIRAMALFINHome Financing | +30.4% | 32.6% | 28.4x Undervalued | -73% vs avg | +58.8% |
MAX FINANCIAL SERV LTD MFSLInsurance | -40.2% | 0.2% | 624.6x Premium | +497% vs avg | -5.7% |
RBL BANK LIMITED RBLBANKPrivate Banks | +40.8% | 9.1% | 32.2x Undervalued | -69% vs avg | +54.3% |
APTUS VALUE HSG FIN I LTD trades at a discount (13.1x vs peer avg 102.8x), suggesting potential undervaluation relative to the Home Financing cohort. Peers include LIC HOUSING FINANCE LTD, AADHAR HOUSING FINANCE L, AAVAS FINANCIERS LIMITED — selected based on business model, industry classification, market cap similarity, and business theme alignment.
Financials
Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.
Latest revenue
₹418 CrJun 2026Latest net profit
₹193 CrJun 2026Free cash flow
₹18 CrMar 2026Net Profit
₹193 CrProfit conversionPerformance
Bars show revenue and net profit. The line shows net margin.
- Revenue
- Net income
- Net margin %
Revenue to profit conversion
Bridge from operating numbers to profit for the latest reported period.
Latest reported period: Jun 2026
Debt level and coverage
Debt, cash and free cash flow compared on the same crore scale.
- Free cash flow
- Cash & equivalents
Results
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 255 | 269 | 276 | 288 | 299 | 314 | 327 | 354 | 356 | 381 | 370 | 378 | 418 |
| Interest | 76 | 82 | 81 | 85 | 91 | 97 | 108 | 110 | 113 | 115 | 110 | 106 | 113 |
| Expenses + | 30 | 41 | 46 | 50 | 51 | 48 | 42 | 37 | 51 | 46 | 72 | 74 | 69 |
| Financing Profit | 149 | 146 | 150 | 153 | 157 | 169 | 176 | 207 | 191 | 220 | 189 | 198 | 236 |
| Financing Margin % | 58% | 54% | 54% | 53% | 53% | 54% | 54% | 59% | 54% | 58% | 51% | 52% | 56% |
| Other Income + | 5 | 7 | 8 | 8 | 7 | 9 | 7 | 15 | 10 | 35 | 15 | 19 | 10 |
| Depreciation | 2 | 3 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 |
| Profit before tax | 152 | 150 | 155 | 159 | 162 | 176 | 180 | 220 | 198 | 252 | 201 | 213 | 243 |
| Tax % | 22% | 21% | 22% | 23% | 21% | 22% | 21% | 23% | 22% | 20% | 21% | 17% | 21% |
| Net Profit + | 119 | 119 | 121 | 122 | 127 | 137 | 142 | 170 | 155 | 202 | 160 | 176 | 193 |
| EPS in Rs | 2.39 | 2.38 | 2.42 | 2.45 | 2.55 | 2.74 | 2.84 | 3.39 | 3.10 | 4.03 | 3.19 | 3.52 | 3.85 |
| Gross NPA % | 1.20% | 1.18% | 1.34% | 1.19% | 1.29% | ||||||||
| Net NPA % | 0.89% | 0.88% | 1.00% | 0.90% | 0.96% | ||||||||
| Raw PDF | |||||||||||||
| YOY Sales Growth % | 25.99% | 17.94% | 12.78% | 13.55% | 17.46% | 16.78% | 18.33% | 22.90% | 18.97% | 21.47% | 13.21% | 6.63% | 17.48% |
| Employee Cost % | 8.71% | 11.67% | 11.93% | 13.11% | 13.08% | 10.22% | 8.79% | 8.13% | 9.36% | 8.04% | 13.40% | 11.90% | 12.59% |
| Other income normal | 5.09 | 7.24 | 8.24 | 8.27 | 7.46 | 9.32 | 6.79 | 15.49 | 10.15 | 35.09 | 15.15 | 18.98 | 10.30 |
| Profit excl Excep | 119 | 119 | 121 | 122 | 127 | 137 | 142 | 170 | 155 | 202 | 160 | 176 | 193 |
| Profit for PE | 119 | 119 | 121 | 122 | 127 | 137 | 142 | 170 | 155 | 202 | 160 | 176 | 193 |
| Profit for EPS | 119 | 119 | 121 | 122 | 127 | 137 | 142 | 170 | 155 | 202 | 160 | 176 | 193 |
| YOY Profit Growth % | 17% | 11% | 14% | 12% | 7% | 15% | 17% | 39% | 22% | 48% | 13% | 4% | 25% |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Announcement under Regulation 30 (LODR)-Earnings Call Transcript