AI Summary
✦ ClarthaValuation Metrics
Trading 17.1% below historical median. Valuation is stable — currently in the strongly undervalued zone (z-score: -1.11). Confidence: 50%.
Live forward EPS implies next-12-month EPS of ₹39.99. Applying the stock's normalized valuation corridor produces a fair range of ₹218.35 to ₹295.53, with base value near ₹256.74 (+67.4% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹39.99
Forward P/E
3.8x
Base Fair Value
₹256.74
Fair Range
₹218.35 - ₹295.53
Upside To Base
+67.4%
Estimate Source
Live forward EPS
Growth Estimate
+52.4%
5Y Average
0.43
Current
0.39
Overvalued
0.50
Undervalued
0.37
5Y Average
5.78
Current
5.32
Overvalued
7.39
Undervalued
5.46
5Y Average
2.86
Current
2.64
Overvalued
3.29
Undervalued
2.43
Peers & Comparison
Sector: Financials · Theme: Home Financing
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
BSE LIMITED BSEStock Exchanges & Ratings | +64.0% | 48.9% | 50.4x Fair | +9% vs avg | +50.1% |
HCL TECHNOLOGIES LTD HCLTECHIT Services & Consulting | +3.0% | 13.0% | 21.2x Undervalued | -54% vs avg | -8.8% |
BAJAJ AUTO LIMITED BAJAJ-AUTOTwo Wheelers | +64.0% | 16.3% | 27.8x Undervalued | -40% vs avg | +42.5% |
EICHER MOTORS LTD EICHERMOTTrucks & Buses | +31.5% | 23.2% | 38.1x Undervalued | -18% vs avg | +41.7% |
APOLLO HOSPITALS ENTER. L APOLLOHOSPHospitals & Diagnostic Centres | +18.1% | 7.7% | 64.8x Premium | +40% vs avg | +23.2% |
BHARAT FORGE LTD BHARATFORGIron & Steel | +17.5% | 6.4% | 97.6x Premium | +110% vs avg | +81.6% |
COFORGE LIMITED COFORGEIT Services & Consulting | +49.9% | 9.6% | 36.6x Undervalued | -21% vs avg | +12.2% |
AARTI INDUSTRIES LTD AARTIINDSpecialty Chemicals | +42.5% | 5.9% | 34.6x Undervalued | -25% vs avg | +35.0% |
Comparable-scale peer data is limited — showing nearest stored business/industry peers instead of an empty comparison.
Financials
Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.
Latest revenue
₹273 CrMar 2026Latest net profit
₹54 CrMar 2026Free cash flow
₹-325 CrMar 2026Net Profit
₹54 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 + | 281 | 268 | 268 | 261 | 260 | 274 | 264 | 269 | 272 | 265 | 272 | 273 | 273 |
| Interest | 178 | 183 | 179 | 176 | 172 | 174 | 177 | 179 | 174 | 173 | 173 | 173 | 168 |
| Expenses + | 28 | 42 | 47 | 41 | 10 | 53 | 37 | 32 | 30 | 110 | 35 | 42 | 39 |
| Financing Profit | 75 | 43 | 42 | 44 | 77 | 47 | 50 | 59 | 68 | -18 | 64 | 58 | 65 |
| Financing Margin % | 27% | 16% | 16% | 17% | 30% | 17% | 19% | 22% | 25% | -7% | 23% | 21% | 24% |
| Other Income + | 6 | 3 | 3 | 2 | 6 | 3 | 2 | 1 | -9 | 0 | 0 | 0 | 1 |
| Depreciation | 3 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 3 | 3 | 3 | 3 |
| Profit before tax | 78 | 42 | 41 | 42 | 79 | 47 | 48 | 56 | 55 | -20 | 61 | 55 | 63 |
| Tax % | 33% | 24% | 26% | 16% | 32% | 17% | 23% | 12% | 37% | -136% | 18% | 20% | 15% |
| Net Profit + | 52 | 32 | 30 | 36 | 54 | 39 | 36 | 50 | 35 | 7 | 50 | 44 | 54 |
| EPS in Rs | 9.71 | 5.91 | 5.60 | 6.61 | 9.95 | 7.23 | 6.77 | 9.22 | 6.52 | 1.36 | 9.28 | 8.10 | 9.95 |
| Gross NPA % | 4.68% | 4.69% | 4.59% | 4.59% | 3.88% | 3.98% | 3.78% | 3.47% | 3.03% | 4.52% | 4.24% | 3.96% | |
| Net NPA % | 3.29% | 3.25% | 3.08% | 3.01% | 2.69% | 2.56% | 2.43% | 2.22% | 1.96% | 1.99% | 1.80% | 1.61% | |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).