AI Summary
✦ ClarthaEdelweiss Financial Services is an Indian diversified financial services company. Retail credit, including home, SME, and business loans, drives lending income, while investment banking supports corporate and institutional fees. Asset management, mutual funds, asset reconstruction, housing finance, and insurance add fee and financial-product revenue. Consolidated net profit rose 83.05% in June 2026, materially outpacing 12.3% revenue growth and suggesting improved operating leverage, despite temporary restrictions across several mutual-fund schemes. Profit growth of 37.1% and stable margins indicate earnings expansion without reported margin deterioration, but ROE is unavailable. Debt-to-equity of 319.99 implies substantial leverage, which can amplify ROE while increasing refinancing, credit, and liquidity risks. At 16.6x earnings, valuation appears fair relative to the sector, rather than clearly discounted despite faster profit growth. Positive sentiment may persist if lending growth and asset-management normalization continue, but elevated leverage and mutual-fund disruptions remain key open questions.
Price 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
Analyst coverage unavailable
Fundamentals
Fundamentals institutional score is 74 using growth durability 74.1.
Valuation
Valuation institutional score is 46 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
No usable analyst target or recommendation data was available.
Technical Structure
Technicals institutional score is 72 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 10 recent ticker-linked news items.
Signal Summary
Market intelligence remains Neutral. fundamentals and technical structure provide support, while valuation 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 14.7% above historical median. Valuation is stable — currently in the strongly overvalued zone (z-score: +1.05). Confidence: 76%.
Live forward EPS implies next-12-month EPS of ₹15.75. Applying the stock's normalized valuation corridor produces a fair range of ₹163.49 to ₹249.95, with base value near ₹227.75 (+92.4% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹15.75
Forward P/E
7.5x
Base Fair Value
₹227.75
Fair Range
₹163.49 - ₹249.95
Upside To Base
+92.4%
Estimate Source
Live forward EPS
Growth Estimate
+27.3%
5Y Average
2.30
Current
2.42
Overvalued
2.64
Undervalued
1.95
5Y Average
10.01
Current
16.58
Overvalued
15.87
Undervalued
10.38
5Y Average
0.94
Current
1.56
Overvalued
1.08
Undervalued
0.80
Peers & Comparison
Sector: Financials · Theme: Diversified Financials
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
ATUL LTD ATULDiversified Chemicals | +25.0% | 12.0% | 25.4x Undervalued | -83% vs avg | +2.4% |
BATA INDIA LTD BATAINDIAFootwear | +5.0% | 3.8% | 68.2x Undervalued | -53% vs avg | -39.1% |
MAX FINANCIAL SERV LTD MFSLInsurance | -40.2% | 0.2% | 631.0x Premium | +332% vs avg | -3.8% |
AARTI INDUSTRIES LTD AARTIINDSpecialty Chemicals | +42.5% | 5.9% | 34.3x Undervalued | -76% vs avg | +33.9% |
EXIDE INDUSTRIES LTD EXIDEINDBatteries | +17.7% | 4.9% | 44.2x Undervalued | -70% vs avg | +29.7% |
ASTRAL LIMITED ASTRALBuilding Products - Pipes | +24.2% | 8.2% | 72.1x Undervalued | -51% vs avg | +4.5% |
EDELWEISS FIN SERV LTD trades at a discount (16.6x vs peer avg 145.9x), suggesting potential undervaluation relative to the Diversified Financials cohort. Peers include ATUL LTD, BATA INDIA LTD, MAX FINANCIAL SERV 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
₹245 CrJun 2026Latest net profit
₹70 CrJun 2026Latest EPS
₹0.74Jun 2026Net margin
84.0%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.
- Debt
- 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 + | 98 | 7 | -143 | -101 | -25 | 148 | 105 | 110 | 166 | 122 | 129 | 130 | 245 |
| Expenses + | 65 | 42 | 37 | 41 | 15 | 40 | 21 | 18 | 8 | 24 | 52 | -124 | 40 |
| Operating Profit | 33 | -34 | -180 | -142 | -40 | 108 | 84 | 92 | 158 | 99 | 78 | 255 | 205 |
| OPM % | 34% | -457% | 73% | 80% | 84% | 95% | 81% | 60% | 195% | 84% | |||
| Other Income + | 3 | 259 | 3 | 902 | 0 | 2 | 42 | 1 | 1 | 0 | 280 | 1 | 0 |
| Interest | 81 | 90 | 79 | 77 | 78 | 82 | 101 | 84 | 88 | 96 | 103 | 102 | 106 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | -45 | 135 | -257 | 682 | -118 | 29 | 25 | 9 | 70 | 3 | 255 | 153 | 99 |
| Tax % | -102% | -17% | -24% | -7% | -25% | -1% | 64% | 118% | 7% | -1,111% | 27% | -6% | 29% |
| Net Profit + | 1 | 158 | -195 | 732 | -89 | 29 | 9 | -2 | 65 | 33 | 187 | 162 | 70 |
| EPS in Rs | 0.01 | 1.67 | -2.07 | 7.75 | -0.94 | 0.31 | 0.10 | -0.02 | 0.69 | 0.35 | 1.98 | 1.71 | 0.74 |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).