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 3 analysts
Fundamentals
Fundamentals institutional score is 71 using EVA spread proxy 6.0%; growth durability 50.0.
Valuation
Valuation institutional score is 66 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 92 using mean target upside 35.3%; dispersion penalty 6.5; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 40 using EMA-20 continuation within 5% tolerance; VCP range/volume contraction proxy.
Market Sentiment
This data source has not been supplied for the decision payload.
Signal Summary
Market intelligence remains Neutral. fundamentals and valuation provide support, while technical structure 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 3.0% above historical median. Valuation is stable — currently in the overvalued zone (z-score: +0.3). Confidence: 78%.
Live forward EPS implies next-12-month EPS of ₹191.00. Applying the stock's normalized valuation corridor produces a fair range of ₹1,688.44 to ₹2,672.09, with base value near ₹2,320.65 (+43.1% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹191.00
Forward P/E
8.5x
Base Fair Value
₹2,320.65
Fair Range
₹1,688.44 - ₹2,672.09
Upside To Base
+43.1%
Estimate Source
Live forward EPS
Growth Estimate
+12.0%
5Y Average
2.40
Current
1.97
Overvalued
2.76
Undervalued
2.04
5Y Average
9.20
Current
12.52
Overvalued
13.99
Undervalued
8.84
5Y Average
1.06
Current
1.44
Overvalued
1.22
Undervalued
0.90
Peers & Comparison
Sector: Financials · Theme: Diversified Financials
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
MOTILAL OSWAL FIN LTD MOTILALOFSDiversified Financials | +23.9% | 23.0% | 27.3x Undervalued | -26% vs avg | -5.3% |
IIFL CAPITAL SERVICES LTD IIFLCAPSDiversified Financials | +3.3% | 24.5% | 19.3x Undervalued | -48% vs avg | +9.3% |
INDIAN RENEWABLE ENERGY IREDASpecialized Finance | +23.7% | 46.0% | 17.1x Undervalued | -54% vs avg | -17.3% |
IFCI LTD IFCISpecialized Finance | — | 0.0% | 110.2x Premium | +199% vs avg | +39.1% |
MUTHOOT FINANCE LIMITED MUTHOOTFINConsumer Finance | +35.3% | 55.5% | 10.3x Undervalued | -72% vs avg | +11.6% |
CHOLAMANDALAM FIN HOL LTD trades at a discount (12.5x vs peer avg 36.8x), suggesting potential undervaluation relative to the Diversified Financials cohort. Peers include MOTILAL OSWAL FIN LTD, IIFL CAPITAL SERVICES LTD, INDIAN RENEWABLE ENERGY — 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
₹52 CrMar 2026Latest net profit
₹38 CrMar 2026Free cash flow
₹24 CrMar 2026Net Profit
₹38 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: Mar 2026
Debt level and coverage
Debt, cash and free cash flow compared on the same crore scale.
- Free cash flow
- Cash & equivalents
Results
| Metric | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 51 | 3 | 29 | 3 | 52 | 3 | 29 | 3 | 52 | 4 | 30 | 4 | 52 |
| Interest | 2 | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Expenses + | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 |
| Financing Profit | 48 | 1 | 28 | 1 | 49 | 2 | 28 | 2 | 50 | 3 | 29 | 3 | 51 |
| Financing Margin % | 94% | 40% | 95% | 46% | 95% | 72% | 97% | 78% | 97% | 78% | 97% | 79% | 97% |
| Other Income + | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 48 | 1 | 28 | 1 | 49 | 2 | 28 | 2 | 50 | 3 | 29 | 3 | 51 |
| Tax % | 25% | 25% | 16% | 25% | 25% | 25% | 17% | 17% | 25% | 25% | 7% | 9% | 24% |
| Net Profit + | 36 | 1 | 23 | 1 | 37 | 1 | 24 | 2 | 38 | 2 | 27 | 3 | 38 |
| EPS in Rs | 1.91 | 0.04 | 1.23 | 0.05 | 1.96 | 0.07 | 1.25 | 0.10 | 2.00 | 0.11 | 1.45 | 0.14 | 2.05 |
| Gross NPA % | 4.63% | ||||||||||||
| Net NPA % | 3.13% | ||||||||||||
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation