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 33 analysts
Fundamentals
Fundamentals institutional score is 66 using EVA spread proxy 0.6%; growth durability 83.7.
Valuation
Valuation institutional score is 93 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 79 using mean target upside 34.8%; dispersion penalty 13.0; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 82 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 1 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 15.5% below historical median. Valuation is declining — currently in the strongly undervalued zone (z-score: -1.36). Confidence: 88%.
Live forward EPS implies next-12-month EPS of ₹14.20. Applying the stock's normalized valuation corridor produces a fair range of ₹667.68 to ₹785.97, with base value near ₹726.90 (+44.9% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹14.20
Forward P/E
35.3x
Base Fair Value
₹726.90
Fair Range
₹667.68 - ₹785.97
Upside To Base
+44.9%
Estimate Source
Live forward EPS
Growth Estimate
+61.4%
5Y Average
6.56
Current
5.33
Overvalued
7.14
Undervalued
5.45
5Y Average
48.84
Current
43.27
Overvalued
55.35
Undervalued
47.02
5Y Average
1.30
Current
1.15
Overvalued
1.50
Undervalued
1.11
Peers & Comparison
Sector: Financials · Theme: Insurance
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
MAX FINANCIAL SERV LTD MFSLInsurance | -40.2% | 0.2% | 624.1x Premium | +425% vs avg | -5.7% |
HDFC LIFE INS CO LTD HDFCLIFEInsurance | +15.2% | 1.9% | 58.6x Undervalued | -51% vs avg | -29.5% |
SBI LIFE INSURANCE CO LTD SBILIFEInsurance | +18.8% | 2.1% | 70.4x Undervalued | -41% vs avg | +1.0% |
DR. REDDY S LABORATORIES DRREDDYPharmaceuticals | -5.6% | 10.0% | 30.3x Undervalued | -75% vs avg | -5.0% |
BSE LIMITED BSEStock Exchanges & Ratings | +64.0% | 48.9% | 50.4x Undervalued | -58% vs avg | +50.1% |
APOLLO HOSPITALS ENTER. L APOLLOHOSPHospitals & Diagnostic Centres | +18.1% | 7.7% | 64.8x Undervalued | -46% vs avg | +23.2% |
HINDALCO INDUSTRIES LTD HINDALCOMetals - Aluminium | +32.1% | 5.5% | 14.3x Undervalued | -88% vs avg | +58.0% |
EICHER MOTORS LTD EICHERMOTTrucks & Buses | +31.5% | 23.2% | 38.1x Undervalued | -68% vs avg | +41.7% |
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
MAX FINANCIAL SERV LTD MFSLInsurance | -40.2% | 0.2% | 624.1x Premium | +433% vs avg | -5.7% |
HDFC LIFE INS CO LTD HDFCLIFEInsurance | +15.2% | 1.9% | 58.6x Undervalued | -50% vs avg | -29.5% |
ICICI LOMBARD GIC LIMITED ICICIGIInsurance | +10.9% | 8.8% | 34.0x Undervalued | -71% vs avg | -13.9% |
SBI LIFE INSURANCE CO LTD SBILIFEInsurance | +18.8% | 2.1% | 70.4x Undervalued | -40% vs avg | +1.0% |
BAJAJ FINSERV LTD. BAJAJFINSVInsurance | +19.3% | 6.5% | 31.8x Undervalued | -73% vs avg | +5.9% |
APOLLO HOSPITALS ENTER. L APOLLOHOSPHospitals & Diagnostic Centres | +18.1% | 7.7% | 64.8x Undervalued | -45% vs avg | +23.2% |
EICHER MOTORS LTD EICHERMOTTrucks & Buses | +31.5% | 23.2% | 38.1x Undervalued | -67% vs avg | +41.7% |
HINDALCO INDUSTRIES LTD HINDALCOMetals - Aluminium | +32.1% | 5.5% | 14.3x Undervalued | -88% vs avg | +58.0% |
ICICI PRU LIFE INS CO LTD trades at a discount (43.3x vs peer avg 118.9x), suggesting potential undervaluation relative to the Insurance cohort. Peers include MAX FINANCIAL SERV LTD, HDFC LIFE INS CO LTD, SBI LIFE INSURANCE CO 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
₹28.51K CrJun 2026Latest net profit
₹386 CrJun 2026Latest EPS
₹2.66Jun 2026Net margin
1.0%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 + | 23,383 | 17,387 | 26,429 | 22,481 | 25,395 | 25,157 | 4,536 | 15,687 | 25,400 | 11,935 | 22,833 | 3,299 | 28,513 |
| Expenses + | 23,657 | 17,676 | 26,578 | 22,753 | 25,354 | 24,831 | 4,286 | 15,262 | 25,177 | 11,940 | 22,078 | 3,938 | 28,219 |
| Operating Profit | -275 | -289 | -150 | -273 | 42 | 327 | 250 | 424 | 223 | -6 | 755 | -639 | 293 |
| OPM % | -1.2% | -1.7% | -0.6% | -1.2% | 0.2% | 1.3% | 6% | 2.7% | 0.9% | -0.1% | 3.3% | -19% | 1.0% |
| Other Income + | 492 | 566 | 416 | 543 | 231 | -23 | 161 | 175 | 169 | 399 | -253 | 905 | 176 |
| 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 | 217 | 277 | 266 | 271 | 272 | 303 | 411 | 599 | 392 | 394 | 502 | 266 | 470 |
| Tax % | 5% | 12% | 15% | 36% | 17% | 17% | 21% | 36% | 23% | 24% | 22% | -129% | 18% |
| Net Profit + | 207 | 244 | 227 | 174 | 225 | 252 | 326 | 386 | 302 | 299 | 390 | 609 | 386 |
| EPS in Rs | 1.44 | 1.70 | 1.58 | 1.21 | 1.56 | 1.74 | 2.25 | 2.67 | 2.09 | 2.07 | 2.70 | 4.20 | 2.66 |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Disclosure Under Regulation 30 And 51 Of SEBI (LODR) Regulations, 2015 For Grant Of NOC By IRDAI For Change In Name Of The Company.
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation