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 36 analysts
Fundamentals
Fundamentals institutional score is 86 using growth durability 86.0.
Valuation
Valuation institutional score is 44 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 53 using mean target upside 5.4%; dispersion penalty 16.8; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 59 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 12 recent ticker-linked news items.
Signal Summary
Market intelligence remains Neutral. fundamentals provide support, while valuation and analyst consensus 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 32.7% above historical median. Valuation is rising — currently in the strongly overvalued zone (z-score: +2.03). Confidence: 84%.
Live forward EPS implies next-12-month EPS of ₹50.39. Applying the stock's normalized valuation corridor produces a fair range of ₹1,093.46 to ₹1,438.13, with base value near ₹1,276.88 (+16.8% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹50.39
Forward P/E
21.7x
Base Fair Value
₹1,276.88
Fair Range
₹1,093.46 - ₹1,438.13
Upside To Base
+16.8%
Estimate Source
Live forward EPS
Growth Estimate
+27.2%
5Y Average
5.73
Current
5.96
Overvalued
6.59
Undervalued
4.87
5Y Average
23.52
Current
33.63
Overvalued
28.54
Undervalued
21.70
5Y Average
10.19
Current
14.57
Overvalued
11.64
Undervalued
9.05
Peers & Comparison
Sector: Financials · Theme: Consumer Finance
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
CHOLAMANDALAM IN & FIN CO CHOLAFINConsumer Finance | +34.6% | 40.5% | 28.3x Undervalued | -27% vs avg | +32.3% |
TATA CAPITAL LIMITED TATACAPConsumer Finance | +40.3% | 39.7% | 28.8x Undervalued | -26% vs avg | +11.3% |
JIO FIN SERVICES LTD JIOFINConsumer Finance | +208.2% | 55.0% | 79.5x Premium | +104% vs avg | -22.3% |
SHRIRAM FINANCE LIMITED SHRIRAMFINConsumer Finance | +39.1% | 50.1% | 19.5x Undervalued | -50% vs avg | +85.9% |
BAJAJ FINANCE LIMITED trades in line with peers (33.6x vs avg 39.0x), reflecting a fair valuation within the Consumer Finance cohort. Peers include CHOLAMANDALAM IN & FIN CO, TATA CAPITAL LIMITED, JIO FIN SERVICES LTD — 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
₹19.80K CrJun 2026Latest net profit
₹5.35K CrJun 2026Free cash flow
₹-41.69K CrMar 2026Net Profit
₹5.35K 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 + | 10,665 | 11,408 | 12,103 | 12,760 | 13,724 | 14,488 | 15,371 | 15,638 | 16,697 | 17,184 | 17,870 | 18,430 | 19,802 |
| Interest | 3,013 | 3,351 | 3,618 | 3,861 | 4,202 | 4,544 | 4,777 | 4,913 | 5,222 | 5,244 | 5,464 | 5,487 | 5,874 |
| Expenses + | 3,505 | 3,723 | 4,033 | 4,158 | 4,736 | 5,105 | 5,434 | 5,596 | 5,693 | 5,998 | 7,407 | 6,221 | 6,496 |
| Financing Profit | 4,147 | 4,334 | 4,451 | 4,741 | 4,786 | 4,839 | 5,160 | 5,129 | 5,782 | 5,943 | 4,998 | 6,722 | 7,432 |
| Financing Margin % | 39% | 38% | 37% | 37% | 35% | 33% | 34% | 33% | 35% | 35% | 28% | 36% | 38% |
| Other Income + | 1 | 2 | 2 | 4 | 2 | 2,548 | 23 | 11 | 1 | 2 | 1,167 | 1 | 1 |
| Depreciation | 143 | 145 | 162 | 179 | 186 | 196 | 205 | 236 | 236 | 242 | 227 | 238 | 270 |
| Profit before tax | 4,005 | 4,191 | 4,291 | 4,566 | 4,602 | 7,191 | 4,978 | 4,905 | 5,546 | 5,703 | 5,938 | 6,484 | 7,163 |
| Tax % | 26% | 26% | 26% | 26% | 26% | 22% | 26% | 20% | 25% | 25% | 23% | 25% | 25% |
| Net Profit + | 2,959 | 3,106 | 3,177 | 3,402 | 3,402 | 5,614 | 3,706 | 3,940 | 4,133 | 4,251 | 4,581 | 4,840 | 5,346 |
| EPS in Rs | 4.88 | 5.13 | 5.14 | 5.50 | 5.50 | 9.07 | 5.99 | 6.34 | 6.65 | 6.83 | 7.36 | 7.78 | 8.59 |
| Gross NPA % | 1.09% | 1.14% | 1.18% | 1.05% | 1.06% | 1.33% | 1.41% | 1.18% | 1.28% | 1.59% | 1.56% | 1.27% | |
| Net NPA % | 0.39% | 0.39% | 0.46% | 0.46% | 0.47% | 0.58% | 0.61% | 0.56% | 0.63% | 0.77% | 0.61% | 0.52% | |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome