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 9 analysts
Fundamentals
Fundamentals institutional score is 56 using growth durability 55.5.
Valuation
Valuation institutional score is 90 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 80 using mean target upside 21.4%; dispersion penalty 9.7; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 97 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 2 recent ticker-linked news items.
Signal Summary
Market intelligence remains Supportive. valuation and analyst consensus provide support, while 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 21.2% below historical median. Valuation is declining — currently in the strongly undervalued zone (z-score: -0.89). Confidence: 81%.
Live forward EPS implies next-12-month EPS of ₹49.41. Applying the stock's normalized valuation corridor produces a fair range of ₹718.92 to ₹982.27, with base value near ₹909.64 (+66.5% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹49.41
Forward P/E
11.1x
Base Fair Value
₹909.64
Fair Range
₹718.92 - ₹982.27
Upside To Base
+66.5%
Estimate Source
Live forward EPS
Growth Estimate
+1.8%
5Y Average
2.48
Current
2.18
Overvalued
2.85
Undervalued
2.11
5Y Average
17.02
Current
14.50
Overvalued
19.88
Undervalued
14.55
5Y Average
8.19
Current
6.98
Overvalued
9.61
Undervalued
6.94
Peers & Comparison
Sector: Financials · Theme: Consumer Finance
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
SUNDARAM FINANCE LTD SUNDARMFINConsumer Finance | +26.8% | 46.1% | 22.1x Undervalued | -39% vs avg | +1.5% |
HDB FINANCIAL SERVICES L HDBFSConsumer Finance | +21.0% | 29.8% | 20.7x Undervalued | -43% vs avg | -9.0% |
M&M FIN. SERVICES LTD M&MFINConsumer Finance | +36.7% | 30.9% | 17.0x Undervalued | -53% vs avg | +60.5% |
PAISALO DIGITAL LIMITED PAISALOConsumer Finance | +20.7% | 45.8% | 26.1x Undervalued | -28% vs avg | +132.3% |
POONAWALLA FINCORP LTD POONAWALLAConsumer Finance | +100.3% | 22.7% | 51.1x Premium | +42% vs avg | +6.7% |
L&T FINANCE LIMITED LTFConsumer Finance | +29.3% | 33.1% | 24.9x Undervalued | -31% vs avg | +58.2% |
IFCI LTD IFCISpecialized Finance | — | 0.0% | 109.7x Premium | +204% vs avg | +44.0% |
INDIAN RENEWABLE ENERGY IREDASpecialized Finance | +23.7% | 46.0% | 16.9x Undervalued | -53% vs avg | -16.4% |
FIVE-STAR BUS FIN LTD trades at a discount (14.5x vs peer avg 36.1x), suggesting potential undervaluation relative to the Consumer Finance cohort. Peers include SUNDARAM FINANCE LTD, HDB FINANCIAL SERVICES L, M&M 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
₹829 CrJun 2026Latest net profit
₹271 CrJun 2026Free cash flow
₹-290 CrMar 2026Net Profit
₹271 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 + | 480 | 519 | 567 | 616 | 666 | 702 | 727 | 752 | 787 | 799 | 815 | 817 | 829 |
| Interest | 96 | 106 | 129 | 138 | 158 | 163 | 171 | 175 | 187 | 180 | 189 | 181 | 172 |
| Expenses + | 137 | 144 | 145 | 161 | 169 | 178 | 186 | 204 | 241 | 236 | 255 | 277 | 296 |
| Financing Profit | 248 | 269 | 294 | 318 | 339 | 361 | 370 | 373 | 359 | 384 | 371 | 358 | 361 |
| Financing Margin % | 52% | 52% | 52% | 52% | 51% | 51% | 51% | 50% | 46% | 48% | 46% | 44% | 44% |
| Other Income + | 3 | 4 | 3 | 3 | 3 | 4 | 4 | 7 | 5 | 7 | 7 | 9 | 10 |
| Depreciation | 5 | 6 | 7 | 7 | 6 | 7 | 8 | 9 | 8 | 9 | 10 | 10 | 9 |
| Profit before tax | 246 | 267 | 290 | 313 | 336 | 358 | 365 | 371 | 355 | 382 | 369 | 357 | 362 |
| Tax % | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% |
| Net Profit + | 184 | 199 | 217 | 236 | 252 | 268 | 274 | 279 | 266 | 286 | 277 | 269 | 271 |
| EPS in Rs | 6.30 | 6.84 | 7.42 | 8.07 | 8.60 | 9.16 | 9.33 | 9.48 | 9.04 | 9.72 | 9.41 | 9.12 | 9.19 |
| Gross NPA % | 1.47% | 1.62% | 1.79% | 2.46% | 2.64% | 3.18% | 3.37% | 3.46% | |||||
| Net NPA % | 0.71% | 0.81% | 0.88% | 1.25% | 1.46% | 1.94% | 2.00% | 2.10% | |||||
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Intimation Under Regulation 29 And 50 Of SEBI (LODR)- Prior Intimation For Annual General Meeting (AGM)