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 1 analysts
Fundamentals
Fundamentals institutional score is 95 using growth durability 95.0.
Valuation
Valuation institutional score is 65 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 97 using mean target upside 27.7%; dispersion penalty 0; recommendation breadth from available consensus.
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 8 recent ticker-linked news items.
Signal Summary
Market intelligence remains Supportive. fundamentals and valuation 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 2.6% below historical median. Valuation is stable — currently in the undervalued zone (z-score: +0.1). Confidence: 72%.
Live forward EPS implies next-12-month EPS of ₹24.00. Applying the stock's normalized valuation corridor produces a fair range of ₹208.08 to ₹254.16, with base value near ₹233.04 (+16.7% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹24.00
Forward P/E
8.3x
Base Fair Value
₹233.04
Fair Range
₹208.08 - ₹254.16
Upside To Base
+16.7%
Estimate Source
Live forward EPS
Growth Estimate
+34.9%
5Y Average
2.20
Current
1.82
Overvalued
2.53
Undervalued
1.87
5Y Average
6.39
Current
9.46
Overvalued
10.59
Undervalued
8.67
5Y Average
5.75
Current
8.52
Overvalued
9.24
Undervalued
1.65
Peers & Comparison
Sector: Financials · Theme: Specialized Finance
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
IFCI LTD IFCISpecialized Finance | — | 0.0% | 107.1x Premium | +176% vs avg | +44.0% |
INDIAN RENEWABLE ENERGY IREDASpecialized Finance | +23.7% | 46.0% | 17.0x Undervalued | -56% vs avg | -17.2% |
AUTHUM INVEST & INFRA LTD AIILSpecialized Finance | +14.1% | 82.1% | 30.6x Undervalued | -21% vs avg | +3.7% |
POWER FIN CORP LTD. PFCSpecialized Finance | +0.8% | 54.5% | 4.9x Undervalued | -87% vs avg | +0.3% |
RAIL VIKAS NIGAM LIMITED RVNLSpecialized Finance | +4.2% | 4.3% | 54.9x Premium | +41% vs avg | -31.9% |
REC LIMITED RECLTDSpecialized Finance | +25.2% | 68.9% | 5.7x Undervalued | -85% vs avg | -5.2% |
MUTHOOT FINANCE LIMITED MUTHOOTFINConsumer Finance | +35.3% | 55.5% | 10.2x Undervalued | -74% vs avg | +14.7% |
JIO FIN SERVICES LTD JIOFINConsumer Finance | +208.2% | 55.0% | 79.9x Premium | +106% vs avg | -22.3% |
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
INDIAN RENEWABLE ENERGY IREDASpecialized Finance | +23.7% | 46.0% | 17.0x Undervalued | -48% vs avg | -17.2% |
IFCI LTD IFCISpecialized Finance | — | 0.0% | 107.1x Premium | +227% vs avg | +44.0% |
AUTHUM INVEST & INFRA LTD AIILSpecialized Finance | +14.1% | 82.1% | 30.6x Fair | -7% vs avg | +3.7% |
POWER FIN CORP LTD. PFCSpecialized Finance | +0.8% | 54.5% | 4.9x Undervalued | -85% vs avg | +0.3% |
RAIL VIKAS NIGAM LIMITED RVNLSpecialized Finance | +4.2% | 4.3% | 54.9x Premium | +67% vs avg | -31.9% |
REC LIMITED RECLTDSpecialized Finance | +25.2% | 68.9% | 5.7x Undervalued | -83% vs avg | -5.2% |
SAGILITY LIMITED SAGILITYSpecialized Finance | +27.6% | 13.0% | 20.6x Undervalued | -37% vs avg | -1.4% |
SBFC FINANCE LIMITED SBFCSpecialized Finance | +24.6% | 44.9% | 21.6x Undervalued | -34% vs avg | -7.9% |
HSG & URBAN DEV CORPN LTD trades at a discount (9.4x vs peer avg 38.8x), suggesting potential undervaluation relative to the Specialized Finance cohort. Peers include IFCI LTD, INDIAN RENEWABLE ENERGY, AUTHUM INVEST & INFRA 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
₹3.72K CrJun 2026Latest net profit
₹851 CrJun 2026Free cash flow
₹-33.91K CrMar 2026Net Profit
₹851 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 + | 1,843 | 1,865 | 2,013 | 2,065 | 2,188 | 2,518 | 2,760 | 2,845 | 2,937 | 3,219 | 3,431 | 3,563 | 3,717 |
| Interest | 1,191 | 1,217 | 1,313 | 1,240 | 1,464 | 1,662 | 1,762 | 1,859 | 1,976 | 2,147 | 2,394 | 2,413 | 2,561 |
| Expenses + | 60 | 55 | 12 | 8 | 47 | -138 | 73 | -28 | 109 | 147 | 320 | 587 | 109 |
| Financing Profit | 592 | 593 | 688 | 817 | 678 | 994 | 924 | 1,014 | 852 | 926 | 717 | 563 | 1,048 |
| Financing Margin % | 32% | 32% | 34% | 40% | 31% | 39% | 33% | 36% | 29% | 29% | 21% | 16% | 28% |
| Other Income + | 9 | 16 | 10 | 129 | 9 | 8 | 10 | 10 | 8 | 32 | 74 | 62 | 20 |
| Depreciation | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 4 | 3 | 3 | 3 | 4 | 2 |
| Profit before tax | 598 | 606 | 696 | 943 | 685 | 1,000 | 932 | 1,020 | 857 | 955 | 788 | 621 | 1,066 |
| Tax % | 25% | 26% | 25% | 26% | 19% | 31% | 21% | 29% | 26% | 26% | 10% | -219% | 20% |
| Net Profit + | 446 | 452 | 519 | 700 | 558 | 689 | 735 | 728 | 630 | 710 | 713 | 1,981 | 851 |
| EPS in Rs | 2.23 | 2.26 | 2.59 | 3.50 | 2.79 | 3.44 | 3.67 | 3.64 | 3.15 | 3.55 | 3.56 | 9.90 | 4.25 |
| Gross NPA % | 3.38% | 3.36% | 3.14% | 2.71% | 2.04% | 1.88% | 1.67% | 1.34% | 1.21% | 1.08% | 1.04% | 0.96% | |
| Net NPA % | 0.46% | 0.49% | 0.44% | 0.36% | 0.31% | 0.27% | 0.25% | 0.09% | 0.07% | 0.06% | 0.05% | 0.05% | |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Announcement under Regulation 30 (LODR)-Earnings Call Transcript