AI Summary
✦ ClarthaValuation Metrics
Trading 45.0% below historical median. Valuation is declining — currently in the strongly undervalued zone (z-score: -1.66). Confidence: 74%.
Live forward EPS implies next-12-month EPS of ₹20.33. Applying the stock's normalized valuation corridor produces a fair range of ₹767.86 to ₹1,013.86, with base value near ₹911.39 (+478.4% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹20.33
Forward P/E
7.8x
Base Fair Value
₹911.39
Fair Range
₹767.86 - ₹1,013.86
Upside To Base
+478.4%
Estimate Source
Live forward EPS
Growth Estimate
-70.5%
5Y Average
2.38
Current
1.63
Overvalued
2.74
Undervalued
2.03
5Y Average
42.25
Current
24.64
Overvalued
49.87
Undervalued
37.77
5Y Average
1.50
Current
0.89
Overvalued
1.73
Undervalued
1.28
Peers & Comparison
Sector: Financials · Theme: Private Banks
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
JANA SMALL FIN BANK LTD JSFBPrivate Banks | +25.1% | 12.9% | 15.0x Premium | +44% vs avg | +19.2% |
DCB BANK LIMITED DCBBANKPrivate Banks | +17.4% | 25.3% | 7.7x Undervalued | -26% vs avg | +54.4% |
CSB BANK LIMITED CSBBANKPrivate Banks | +16.9% | 24.1% | 8.5x Undervalued | -18% vs avg | -26.8% |
FINO PAYMENTS BANK LTD trades at a premium (25.1x vs peer avg 10.4x), implying higher growth or quality expectations from the Private Banks cohort. Peers include JANA SMALL FIN BANK LTD, DCB BANK LIMITED, CSB BANK 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
₹64 CrMar 2026Latest net profit
₹7.10 CrMar 2026Free cash flow
₹-449 CrMar 2026Net Profit
₹7.10 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 + | 29.40 | 32.97 | 36.53 | 39.15 | 41.40 | 45.33 | 47.75 | 49.35 | 52.78 | 60.99 | 60.11 | 62.96 | 64.10 |
| Interest | 14.30 | 15.45 | 18.87 | 21.59 | 22.99 | 23.89 | 25.05 | 25.65 | 25.99 | 28.37 | 27.62 | 29.41 | 28.88 |
| Expenses + | 287.05 | 314.16 | 320.19 | 325.81 | 353.02 | 388.70 | 404.43 | 407.24 | 437.80 | 400.47 | 351.21 | 344.45 | 305.71 |
| Financing Profit | -271.95 | -296.64 | -302.53 | -308.25 | -334.61 | -367.26 | -381.73 | -383.54 | -411.01 | -367.85 | -318.72 | -310.90 | -270.49 |
| Financing Margin % | -925.00% | -899.73% | -828.17% | -787.36% | -808.24% | -810.19% | -799.43% | -777.18% | -778.72% | -603.13% | -530.23% | -493.81% | -421.98% |
| Other Income + | 294.03 | 315.34 | 322.05 | 331.05 | 359.90 | 391.53 | 407.66 | 411.99 | 440.71 | 392.48 | 339.94 | 328.35 | 274.59 |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 22.08 | 18.70 | 19.52 | 22.80 | 25.29 | 24.27 | 25.93 | 28.45 | 29.70 | 24.63 | 21.22 | 17.45 | 4.10 |
| Tax % | 0.00% | 0.00% | 0.00% | 0.00% | 0.32% | 0.00% | 18.43% | 18.77% | 19.19% | 27.89% | 27.66% | 29.80% | -73.17% |
| Net Profit + | 22.08 | 18.70 | 19.52 | 22.80 | 25.21 | 24.27 | 21.15 | 23.11 | 24.00 | 17.76 | 15.35 | 12.25 | 7.10 |
| EPS in Rs | 2.65 | 2.25 | 2.35 | 2.74 | 3.03 | 2.92 | 2.54 | 2.78 | 2.88 | 2.13 | 1.84 | 1.47 | 0.85 |
| Gross NPA % | |||||||||||||
| Net NPA % | |||||||||||||
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation