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 34 analysts
Fundamentals
Fundamentals institutional score is 53 using EVA spread proxy -1.2%; growth durability 68.3.
Valuation
Valuation institutional score is 97 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 80 using mean target upside 39.8%; dispersion penalty 15.5; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 66 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 3 recent ticker-linked news items.
Signal Summary
Market intelligence remains Neutral. valuation and analyst consensus provide support, while fundamentals 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 16.2% below historical median. Valuation is declining — currently in the strongly undervalued zone (z-score: -1.78). Confidence: 89%.
Live forward EPS implies next-12-month EPS of ₹11.98. Applying the stock's normalized valuation corridor produces a fair range of ₹801.22 to ₹952.53, with base value near ₹839.20 (+56.6% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹11.98
Forward P/E
44.7x
Base Fair Value
₹839.20
Fair Range
₹801.22 - ₹952.53
Upside To Base
+56.6%
Estimate Source
Live forward EPS
Growth Estimate
+11.9%
5Y Average
8.67
Current
5.92
Overvalued
9.72
Undervalued
7.25
5Y Average
68.95
Current
58.71
Overvalued
79.51
Undervalued
66.88
5Y Average
1.31
Current
1.12
Overvalued
1.51
Undervalued
1.11
Peers & Comparison
Sector: Financials · Theme: Insurance
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
SBI LIFE INSURANCE CO LTD SBILIFEInsurance | +18.8% | 2.1% | 70.7x Undervalued | -36% vs avg | +1.0% |
MAX FINANCIAL SERV LTD MFSLInsurance | -40.2% | 0.2% | 624.6x Premium | +469% vs avg | -5.7% |
BSE LIMITED BSEStock Exchanges & Ratings | +64.0% | 48.9% | 50.4x Undervalued | -54% vs avg | +50.1% |
DR. REDDY S LABORATORIES DRREDDYPharmaceuticals | -5.6% | 10.0% | 30.7x Undervalued | -72% vs avg | -5.0% |
HINDALCO INDUSTRIES LTD HINDALCOMetals - Aluminium | +32.1% | 5.5% | 14.3x Undervalued | -87% vs avg | +58.0% |
EICHER MOTORS LTD EICHERMOTTrucks & Buses | +31.5% | 23.2% | 38.1x Undervalued | -65% vs avg | +41.7% |
HCL TECHNOLOGIES LTD HCLTECHIT Services & Consulting | +3.0% | 13.0% | 21.2x Undervalued | -81% vs avg | -8.8% |
BAJAJ AUTO LIMITED BAJAJ-AUTOTwo Wheelers | +64.0% | 16.3% | 27.8x Undervalued | -75% vs avg | +42.5% |
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
SBI LIFE INSURANCE CO LTD SBILIFEInsurance | +18.8% | 2.1% | 70.7x Undervalued | -38% vs avg | +1.0% |
MAX FINANCIAL SERV LTD MFSLInsurance | -40.2% | 0.2% | 624.6x Premium | +448% vs avg | -5.7% |
ICICI PRU LIFE INS CO LTD ICICIPRULIInsurance | -83.1% | 2.6% | 43.3x Undervalued | -62% vs avg | -18.8% |
ICICI LOMBARD GIC LIMITED ICICIGIInsurance | +10.9% | 8.8% | 34.0x Undervalued | -70% vs avg | -13.9% |
GO DIGIT GENERAL INS LTD GODIGITInsurance | +8.6% | 4.8% | 49.9x Undervalued | -56% vs avg | -24.7% |
STAR HEALTH & AL INS CO L STARHEALTHInsurance | +1407.8% | 3.6% | 51.1x Undervalued | -55% vs avg | +29.2% |
BAJAJ FINSERV LTD. BAJAJFINSVInsurance | +19.3% | 6.5% | 31.9x Undervalued | -72% vs avg | +5.9% |
GENERAL INS CORP OF INDIA GICREInsurance | -1.3% | 18.3% | 6.5x Undervalued | -94% vs avg | -10.5% |
HDFC LIFE INS CO LTD trades at a discount (58.7x vs peer avg 109.7x), suggesting potential undervaluation relative to the Insurance cohort. Peers include SBI LIFE INSURANCE CO LTD, MAX FINANCIAL SERV LTD, BSE 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
₹33.55K CrJun 2026Latest net profit
₹611 CrJun 2026Latest EPS
₹2.81Jun 2026Net margin
1.7%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 + | 23,340 | 23,097 | 26,886 | 27,992 | 26,891 | 28,449 | 17,235 | 24,111 | 29,381 | 20,548 | 29,312 | 19,727 | 33,545 |
| Expenses + | 23,006 | 23,503 | 26,613 | 27,699 | 26,565 | 28,742 | 16,775 | 23,710 | 28,921 | 20,207 | 29,010 | 19,577 | 32,984 |
| Operating Profit | 334 | -406 | 274 | 293 | 326 | -293 | 460 | 401 | 460 | 341 | 302 | 150 | 561 |
| OPM % | 1.4% | -1.8% | 1.0% | 1.1% | 1.2% | -1.0% | 2.7% | 1.7% | 1.6% | 1.7% | 1.0% | 0.8% | 1.7% |
| Other Income + | 104 | 125 | 91 | 156 | 73 | 260 | -49 | 100 | 140 | 128 | 145 | 383 | 112 |
| Interest | 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 | 438 | -281 | 364 | 449 | 399 | -33 | 411 | 501 | 601 | 469 | 447 | 532 | 674 |
| Tax % | 5% | -234% | -0% | 8% | -20% | -1,408% | -1% | 5% | 9% | 5% | 6% | 7% | 9% |
| Net Profit + | 415 | 377 | 365 | 412 | 478 | 433 | 415 | 477 | 546 | 447 | 421 | 496 | 611 |
| EPS in Rs | 1.93 | 1.75 | 1.70 | 1.91 | 2.22 | 2.01 | 1.93 | 2.21 | 2.54 | 2.07 | 1.95 | 2.30 | 2.81 |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Announcement under Regulation 30 (LODR)-Earnings Call Transcript