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 4 analysts
Fundamentals
Fundamentals institutional score is 100 using growth durability 100.0.
Valuation
Valuation institutional score is 37 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 67 using mean target upside 12.2%; dispersion penalty 8.5; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 69 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 7 recent ticker-linked news items.
Signal Summary
Market intelligence remains Neutral. fundamentals and analyst consensus provide support, while valuation 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 31.0% above historical median. Valuation is stable — currently in the strongly overvalued zone (z-score: +1.46). Confidence: 82%.
Live forward EPS implies next-12-month EPS of ₹77.25. Applying the stock's normalized valuation corridor produces a fair range of ₹657.40 to ₹882.20, with base value near ₹735.42 (+17.5% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹77.25
Forward P/E
8.1x
Base Fair Value
₹735.42
Fair Range
₹657.40 - ₹882.20
Upside To Base
+17.5%
Estimate Source
Live forward EPS
Growth Estimate
+189.5%
5Y Average
1.64
Current
1.91
Overvalued
1.89
Undervalued
1.40
5Y Average
9.05
Current
12.47
Overvalued
11.42
Undervalued
8.51
5Y Average
2.17
Current
3.06
Overvalued
2.50
Undervalued
1.85
Peers & Comparison
Sector: Financials · Theme: Investment Banking & Brokerage
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
JM FINANCIAL LIMITED JMFINANCILInvestment Banking & Brokerage | -10.3% | 30.9% | 11.7x Undervalued | -74% vs avg | -20.3% |
TSF INVESTMENTS LIMITED TSFINVInvestment Banking & Brokerage | +70.9% | 44.6% | 18.5x Undervalued | -59% vs avg | -3.2% |
ANGEL ONE LIMITED ANGELONEInvestment Banking & Brokerage | +23.0% | 20.7% | 26.6x Undervalued | -41% vs avg | +14.6% |
CHOICE INTERNATIONAL LTD CHOICEINInvestment Banking & Brokerage | +21.8% | 20.6% | 75.0x Premium | +67% vs avg | +9.9% |
BILLIONBRAINS GARAGE VN L GROWWInvestment Banking & Brokerage | +65.2% | 45.4% | 49.1x Fair | +9% vs avg | +45.1% |
RELIGARE ENTER. LTD. RELIGAREInvestment Banking & Brokerage | +22.1% | 1.0% | 89.0x Premium | +98% vs avg | -8.7% |
IIFL FINANCE LIMITED trades at a discount (12.8x vs peer avg 45.0x), suggesting potential undervaluation relative to the Investment Banking & Brokerage cohort. Peers include JM FINANCIAL LIMITED, TSF INVESTMENTS LIMITED, ANGEL ONE 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
₹2.34K CrJun 2026Latest net profit
₹467 CrJun 2026Free cash flow
₹-13.29K CrMar 2026Net Profit
₹467 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 + | 1,012 | 1,057 | 1,159 | 1,386 | 1,019 | 984 | 940 | 1,138 | 1,479 | 1,763 | 1,951 | 2,283 | 2,344 |
| Interest | 388 | 408 | 434 | 473 | 437 | 387 | 433 | 592 | 701 | 758 | 829 | 985 | 1,037 |
| Expenses + | 401 | 455 | 519 | 716 | 583 | 572 | 457 | 461 | 571 | 689 | 684 | 609 | 651 |
| Financing Profit | 223 | 194 | 205 | 197 | -1 | 24 | 50 | 85 | 206 | 315 | 439 | 689 | 656 |
| Financing Margin % | 22% | 18% | 18% | 14% | -0% | 2% | 5% | 7% | 14% | 18% | 22% | 30% | 28% |
| Other Income + | 10 | 18 | 4 | 12 | 3 | -582 | 4 | 2 | 6 | 4 | 5 | 4 | 0 |
| Depreciation | 32 | 32 | 33 | 38 | 33 | 33 | 33 | 37 | 34 | 36 | 41 | 52 | 51 |
| Profit before tax | 201 | 181 | 177 | 172 | -31 | -591 | 21 | 50 | 178 | 284 | 403 | 641 | 605 |
| Tax % | 25% | 24% | 25% | 4% | -27% | -25% | 24% | 23% | 26% | 26% | 25% | 21% | 23% |
| Net Profit + | 151 | 137 | 132 | 165 | -23 | -441 | 16 | 38 | 133 | 211 | 301 | 509 | 467 |
| EPS in Rs | 3.58 | 3.23 | 3.11 | 3.89 | -0.53 | -10.40 | 0.38 | 0.91 | 3.12 | 4.96 | 7.08 | 11.97 | 10.98 |
| Gross NPA % | 1.36% | 1.65% | 1.43% | 3.66% | 3.05% | 2.93% | 2.30% | 1.88% | 1.70% | 1.43% | 1.47% | 1.15% | 1.27% |
| Net NPA % | 0.70% | 0.85% | 0.67% | 1.90% | 1.48% | 1.32% | 0.91% | 0.69% | 0.58% | 0.53% | 0.74% | 0.60% | 0.71% |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Announcement under Regulation 30 (LODR)-Earnings Call Transcript