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 14 analysts
Fundamentals
Fundamentals institutional score is 100 using growth durability 100.0.
Valuation
Valuation institutional score is 54 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 66 using mean target upside 16.3%; dispersion penalty 15.7; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 55 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 5 recent ticker-linked news items.
Signal Summary
Market intelligence remains Neutral. fundamentals and analyst consensus provide support, while valuation 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 15.2% above historical median. Valuation is stable — currently in the strongly overvalued zone (z-score: +1.3). Confidence: 90%.
Live forward EPS implies next-12-month EPS of ₹94.27. Applying the stock's normalized valuation corridor produces a fair range of ₹2,409.54 to ₹2,960.08, with base value near ₹2,628.25 (+29.3% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹94.27
Forward P/E
21.6x
Base Fair Value
₹2,628.25
Fair Range
₹2,409.54 - ₹2,960.08
Upside To Base
+29.3%
Estimate Source
Live forward EPS
Growth Estimate
+12.7%
5Y Average
4.13
Current
4.17
Overvalued
4.75
Undervalued
3.51
5Y Average
26.78
Current
32.12
Overvalued
31.40
Undervalued
25.56
5Y Average
1.73
Current
2.07
Overvalued
1.99
Undervalued
1.47
Peers & Comparison
Sector: Financials · Theme: Insurance
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
HDFC LIFE INS CO LTD HDFCLIFEInsurance | +15.2% | 1.9% | 58.7x Premium | +53% vs avg | -29.5% |
HINDALCO INDUSTRIES LTD HINDALCOMetals - Aluminium | +32.1% | 5.5% | 14.3x Undervalued | -63% vs avg | +58.0% |
DR. REDDY S LABORATORIES DRREDDYPharmaceuticals | -5.6% | 10.0% | 30.7x Undervalued | -20% vs avg | -5.0% |
BAJAJ AUTO LIMITED BAJAJ-AUTOTwo Wheelers | +64.0% | 16.3% | 27.8x Undervalued | -27% vs avg | +42.5% |
HCL TECHNOLOGIES LTD HCLTECHIT Services & Consulting | +3.0% | 13.0% | 21.2x Undervalued | -45% vs avg | -8.8% |
EICHER MOTORS LTD EICHERMOTTrucks & Buses | +31.5% | 23.2% | 38.1x Fair | -1% vs avg | +41.7% |
BSE LIMITED BSEStock Exchanges & Ratings | +64.0% | 48.9% | 50.4x Premium | +32% vs avg | +50.1% |
APOLLO HOSPITALS ENTER. L APOLLOHOSPHospitals & Diagnostic Centres | +18.1% | 7.7% | 65.1x Premium | +70% vs avg | +23.2% |
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
HDFC LIFE INS CO LTD HDFCLIFEInsurance | +15.2% | 1.9% | 58.7x Premium | +52% vs avg | -29.5% |
ICICI LOMBARD GIC LIMITED ICICIGIInsurance | +10.9% | 8.8% | 34.0x Fair | -12% vs avg | -13.9% |
SBI LIFE INSURANCE CO LTD SBILIFEInsurance | +18.8% | 2.1% | 70.7x Premium | +83% vs avg | +1.0% |
ICICI PRU LIFE INS CO LTD ICICIPRULIInsurance | -83.1% | 2.6% | 43.3x Fair | +12% vs avg | -18.8% |
BAJAJ AUTO LIMITED BAJAJ-AUTOTwo Wheelers | +64.0% | 16.3% | 27.8x Undervalued | -28% vs avg | +42.5% |
BAJAJ FINANCE LIMITED BAJFINANCEConsumer Finance | +26.1% | 43.5% | 33.6x Fair | -13% vs avg | +29.2% |
BAJAJ HOUSING FINANCE LTD BAJAJHFLConsumer Finance | +19.2% | 63.2% | 26.4x Undervalued | -32% vs avg | -24.3% |
BAJAJ HOLDINGS & INVS LTD BAJAJHLDNGAsset Management | +24.2% | 734.6% | 14.5x Undervalued | -62% vs avg | -19.8% |
BAJAJ FINSERV LTD. trades at a discount (31.9x vs peer avg 38.3x), suggesting potential undervaluation relative to the Insurance cohort. Peers include HDFC LIFE INS CO LTD, HINDALCO INDUSTRIES LTD, DR. REDDY S LABORATORIES — 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
₹1.53K CrJun 2026Latest net profit
₹1.12K CrJun 2026Latest EPS
₹6.98Jun 2026Net margin
93.0%Jun 2026Performance
Bars show revenue and net profit. The line shows net margin.
- Revenue
- Net income
- Net margin %
Earnings
Revenue is shown in crores. EPS is rupees per share.
- Revenue
- EPS
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales + | 595 | 1,011 | 49 | 44 | 909 | 1,217 | 71 | 65 | 434 | 1,473 | 63 | 47 | 1,534 |
| Expenses + | 54 | 52 | 49 | 39 | 59 | 60 | 65 | 61 | 64 | 77 | 67 | 82 | 103 |
| Operating Profit | 541 | 959 | 0 | 5 | 850 | 1,157 | 6 | 4 | 371 | 1,396 | -5 | -35 | 1,431 |
| OPM % | 91% | 95% | 0.7% | 10% | 93% | 95% | 8% | 6% | 85% | 95% | -8% | -76% | 93% |
| Other Income + | 8 | 8 | 8 | 11 | 9 | 10 | 10 | 9 | 20 | 9 | 8 | 23 | 8 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 1 | 1 | 1 | 2 | 13 |
| Profit before tax | 549 | 967 | 7 | 14 | 857 | 1,166 | 15 | 12 | 389 | 1,403 | 2 | -13 | 1,426 |
| Tax % | 26% | 22% | 40% | 45% | 26% | 22% | 27% | 35% | 15% | 23% | 72% | -219% | 22% |
| Net Profit + | 404 | 754 | 4 | 8 | 633 | 908 | 11 | 8 | 330 | 1,085 | 1 | 16 | 1,118 |
| EPS in Rs | 2.53 | 4.73 | 0.03 | 0.05 | 3.96 | 5.68 | 0.07 | 0.05 | 2.06 | 6.79 | 0.00 | 0.10 | 6.98 |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Information Under Reg. 30 Of SEBI (LODR) Regulations, 2015 Read With Schedule A Of Reg. 8 Of SEBI (Prohibition Of Insider Trading) Regulations, 2015
Announcement under Regulation 30 (LODR)-Earnings Call Transcript