AI Summary
✦ ClarthaValuation Metrics
Trading 8.6% below historical median. Valuation is declining — currently in the strongly undervalued zone (z-score: -0.79). Confidence: 89%.
Forward outlook is unavailable because live next-12-month estimate data is not available for this ticker right now.
5Y Average
1.59
Current
1.44
Overvalued
1.83
Undervalued
1.35
5Y Average
317.22
Current
305.25
Overvalued
355.25
Undervalued
306.30
5Y Average
3.78
Current
3.64
Overvalued
4.35
Undervalued
3.22
Peers & Comparison
Sector: Financials · Theme: Consumer Finance
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
JIO FIN SERVICES LTD JIOFINConsumer Finance | +208.2% | 55.0% | 79.1x Premium | +177% vs avg | -21.6% |
MUTHOOT FINANCE LIMITED MUTHOOTFINConsumer Finance | +35.3% | 55.5% | 10.3x Undervalued | -64% vs avg | +11.6% |
SHRIRAM FINANCE LIMITED SHRIRAMFINConsumer Finance | +39.1% | 50.1% | 20.1x Undervalued | -30% vs avg | +80.5% |
TATA CAPITAL LIMITED TATACAPConsumer Finance | +40.3% | 39.7% | 28.7x Fair | 0% vs avg | +12.0% |
L&T FINANCE LIMITED LTFConsumer Finance | +29.3% | 33.1% | 24.7x Fair | -14% vs avg | +55.6% |
HDB FINANCIAL SERVICES L HDBFSConsumer Finance | +21.0% | 29.8% | 20.2x Undervalued | -29% vs avg | -10.6% |
INDIAN RENEWABLE ENERGY IREDASpecialized Finance | +23.7% | 46.0% | 17.1x Undervalued | -40% vs avg | -17.3% |
CHOLAMANDALAM IN & FIN CO CHOLAFINConsumer Finance | +34.6% | 40.5% | 28.3x Fair | -1% vs avg | +25.8% |
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
₹63 CrMar 2026Latest net profit
₹0.47 CrMar 2026Free cash flow
₹-50 CrMar 2026Net Profit
₹0.47 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 + | 18.60 | 23.49 | 28.45 | 33.45 | 42.30 | 45.63 | 49.49 | 51.74 | 52.08 | 59.02 | 55.00 | 54.62 | 63.13 |
| Interest | 7.05 | 8.51 | 10.16 | 10.67 | 13.47 | 15.08 | 15.62 | 15.86 | 16.75 | 20.60 | 21.01 | 21.09 | 20.89 |
| Expenses + | 10.74 | 12.57 | 15.96 | 19.27 | 23.44 | 24.59 | 30.01 | 33.78 | 36.86 | 35.62 | 31.39 | 30.80 | 39.36 |
| Financing Profit | 0.81 | 2.41 | 2.33 | 3.51 | 5.39 | 5.96 | 3.86 | 2.10 | -1.53 | 2.80 | 2.60 | 2.73 | 2.88 |
| Financing Margin % | 4.35% | 10.26% | 8.19% | 10.49% | 12.74% | 13.06% | 7.80% | 4.06% | -2.94% | 4.74% | 4.73% | 5.00% | 4.56% |
| Other Income + | 0.02 | 0.03 | 0.05 | 0.07 | 0.11 | 0.07 | 0.08 | 0.08 | 0.06 | 0.09 | 0.07 | 0.10 | 0.10 |
| Depreciation | 0.52 | 0.67 | 0.71 | 0.90 | 1.07 | 1.55 | 1.83 | 1.94 | 2.39 | 2.46 | 2.35 | 2.40 | 2.51 |
| Profit before tax | 0.31 | 1.77 | 1.67 | 2.68 | 4.43 | 4.48 | 2.11 | 0.24 | -3.86 | 0.43 | 0.32 | 0.43 | 0.47 |
| Tax % | -35.48% | 7.91% | 18.56% | 25.00% | 6.77% | 4.02% | 3.79% | 16.67% | 36.79% | 44.19% | 9.38% | 20.93% | 0.00% |
| Net Profit + | 0.42 | 1.64 | 1.37 | 2.01 | 4.12 | 4.30 | 2.03 | 0.20 | -5.29 | 0.24 | 0.28 | 0.35 | 0.47 |
| EPS in Rs | 0.08 | 0.33 | 0.27 | 0.34 | 0.68 | 0.70 | 0.31 | 0.03 | -0.81 | 0.04 | 0.04 | 0.05 | 0.07 |
| Gross NPA % | |||||||||||||
| Net NPA % | |||||||||||||
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Board Meeting Intimation for Approval Of Un-Audited Financial Results For The Quarter Ended June 30, 2026
Announcement under Regulation 30 (LODR)-Press Release / Media Release
Announcement under Regulation 30 (LODR)-Press Release / Media Release