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 22 analysts
Fundamentals
Fundamentals institutional score is 97 using EVA spread proxy 19.7%; growth durability 93.3.
Valuation
Valuation institutional score is 50 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 45 using mean target upside 16.2%; dispersion penalty 24.5; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 50 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. fundamentals provide support, while valuation and analyst consensus 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 39.5% above historical median. Valuation is rising — currently in the overvalued zone (z-score: +0.77). Confidence: 65%.
Live forward EPS implies next-12-month EPS of ₹319.23. Applying the stock's normalized valuation corridor produces a fair range of ₹1,835.57 to ₹3,422.15, with base value near ₹2,343.15 (-19.7% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹319.23
Forward P/E
9.1x
Base Fair Value
₹2,343.15
Fair Range
₹1,835.57 - ₹3,422.15
Upside To Base
-19.7%
Estimate Source
Live forward EPS
Growth Estimate
+38.8%
5Y Average
3.68
Current
2.99
Overvalued
4.23
Undervalued
3.13
5Y Average
6.53
Current
10.24
Overvalued
10.72
Undervalued
5.75
5Y Average
3.65
Current
5.72
Overvalued
4.70
Undervalued
2.36
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% | 79.9x Premium | +139% vs avg | -22.3% |
L&T FINANCE LIMITED LTFConsumer Finance | +29.3% | 33.1% | 24.3x Undervalued | -27% vs avg | +58.2% |
TATA CAPITAL LIMITED TATACAPConsumer Finance | +40.3% | 39.7% | 28.9x Fair | -14% vs avg | +11.3% |
SHRIRAM FINANCE LIMITED SHRIRAMFINConsumer Finance | +39.1% | 50.1% | 20.1x Undervalued | -40% vs avg | +85.9% |
POONAWALLA FINCORP LTD POONAWALLAConsumer Finance | +100.3% | 22.7% | 50.2x Premium | +50% vs avg | +6.7% |
HDB FINANCIAL SERVICES L HDBFSConsumer Finance | +21.0% | 29.8% | 20.2x Undervalued | -40% vs avg | -10.4% |
INDIAN RENEWABLE ENERGY IREDASpecialized Finance | +23.7% | 46.0% | 17.0x Undervalued | -49% vs avg | -17.2% |
CHOLAMANDALAM IN & FIN CO CHOLAFINConsumer Finance | +34.6% | 40.5% | 27.6x Undervalued | -18% vs avg | +32.3% |
MUTHOOT FINANCE LIMITED trades at a discount (10.2x vs peer avg 33.5x), suggesting potential undervaluation relative to the Consumer Finance cohort. Peers include JIO FIN SERVICES LTD, L&T FINANCE LIMITED, TATA CAPITAL 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
₹7.59K CrJun 2026Latest net profit
₹2.55K CrJun 2026Free cash flow
₹-42.44K CrMar 2026Net Profit
₹2.55K 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 + | 2,999 | 3,060 | 3,168 | 3,409 | 3,704 | 4,117 | 4,423 | 4,854 | 5,703 | 6,432 | 7,243 | 8,180 | 7,589 |
| Interest | 1,064 | 1,156 | 1,212 | 1,223 | 1,351 | 1,550 | 1,648 | 1,880 | 2,119 | 2,313 | 2,647 | 2,863 | 3,146 |
| Expenses + | 635 | 572 | 566 | 753 | 849 | 852 | 913 | 951 | 832 | 971 | 997 | 1,154 | 1,014 |
| Financing Profit | 1,300 | 1,332 | 1,390 | 1,434 | 1,504 | 1,715 | 1,863 | 2,023 | 2,752 | 3,149 | 3,599 | 4,163 | 3,429 |
| Financing Margin % | 43% | 44% | 44% | 42% | 41% | 42% | 42% | 42% | 48% | 49% | 50% | 51% | 45% |
| Other Income + | 28 | 14 | 8 | 9 | 6 | 9 | 8 | 20 | 17 | 29 | 11 | 14 | 14 |
| Depreciation | 13 | 15 | 17 | 19 | 18 | 16 | 20 | 23 | 24 | 26 | 28 | 10 | 20 |
| Profit before tax | 1,315 | 1,330 | 1,380 | 1,424 | 1,492 | 1,708 | 1,851 | 2,020 | 2,745 | 3,151 | 3,582 | 4,167 | 3,423 |
| Tax % | 26% | 26% | 26% | 26% | 28% | 27% | 26% | 25% | 25% | 26% | 26% | 26% | 25% |
| Net Profit + | 975 | 991 | 1,027 | 1,056 | 1,079 | 1,251 | 1,363 | 1,508 | 2,046 | 2,345 | 2,656 | 3,086 | 2,550 |
| EPS in Rs | 24.29 | 24.69 | 25.59 | 26.31 | 26.87 | 31.16 | 33.95 | 37.56 | 50.97 | 58.41 | 66.17 | 76.87 | 63.53 |
| Gross NPA % | 4.26% | 4.01% | 3.62% | 3.28% | 3.98% | 4.30% | 4.22% | 3.41% | 2.58% | 2.25% | 1.58% | 2.35% | |
| Net NPA % | 3.82% | 3.59% | 3.23% | 2.90% | 3.48% | 3.68% | 3.51% | 2.79% | 2.10% | 1.86% | 1.30% | 2.04% | |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).