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 3 analysts
Fundamentals
Fundamentals institutional score is 17 using growth durability 17.4.
Valuation
Valuation institutional score is 77 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 43 using mean target upside -5.0%; dispersion penalty 5.6; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 46 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 6 recent ticker-linked news items.
Signal Summary
Market intelligence remains Mixed. valuation and market sentiment provide support, while fundamentals 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 1.8% below historical median. Valuation is declining — currently in the undervalued zone (z-score: -0.19). Confidence: 79%.
Live forward EPS implies next-12-month EPS of ₹19.34. Applying the stock's normalized valuation corridor produces a fair range of ₹631.64 to ₹878.42, with base value near ₹745.17 (+315.4% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹19.34
Forward P/E
9.3x
Base Fair Value
₹745.17
Fair Range
₹631.64 - ₹878.42
Upside To Base
+315.4%
Estimate Source
Live forward EPS
5Y Average
0.97
Current
0.77
Overvalued
1.11
Undervalued
0.82
5Y Average
33.39
Current
37.84
Overvalued
45.42
Undervalued
32.66
5Y Average
0.50
Current
0.57
Overvalued
0.58
Undervalued
0.43
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% | 623.0x Premium | +416% vs avg | -5.7% |
GENERAL INS CORP OF INDIA GICREInsurance | -1.3% | 18.3% | 6.5x Undervalued | -95% vs avg | -10.5% |
HDFC LIFE INS CO LTD HDFCLIFEInsurance | +15.2% | 1.9% | 58.7x Undervalued | -51% vs avg | -29.5% |
BSE LIMITED BSEStock Exchanges & Ratings | +64.0% | 48.9% | 50.3x Undervalued | -58% vs avg | +50.1% |
DR. REDDY S LABORATORIES DRREDDYPharmaceuticals | -5.6% | 10.0% | 30.7x Undervalued | -75% vs avg | -5.0% |
HERO MOTOCORP LIMITED HEROMOTOCOTwo Wheelers | +34.9% | 10.7% | 20.9x Undervalued | -83% vs avg | +26.2% |
CG POWER AND IND SOL LTD CGPOWERHeavy Electrical Equipments | +14.0% | 9.8% | 110.7x Fair | -8% vs avg | +32.2% |
APOLLO HOSPITALS ENTER. L APOLLOHOSPHospitals & Diagnostic Centres | +18.1% | 7.7% | 65.0x Undervalued | -46% vs avg | +23.2% |
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
MAX FINANCIAL SERV LTD MFSLInsurance | -40.2% | 0.2% | 623.0x Premium | +428% vs avg | -5.7% |
GO DIGIT GENERAL INS LTD GODIGITInsurance | +8.6% | 4.8% | 49.7x Undervalued | -58% vs avg | -24.7% |
ICICI LOMBARD GIC LIMITED ICICIGIInsurance | +10.9% | 8.8% | 34.0x Undervalued | -71% vs avg | -13.9% |
HDFC LIFE INS CO LTD HDFCLIFEInsurance | +15.2% | 1.9% | 58.7x Undervalued | -50% vs avg | -29.5% |
STAR HEALTH & AL INS CO L STARHEALTHInsurance | +1407.8% | 3.6% | 50.2x Undervalued | -57% vs avg | +29.2% |
NIVA BUPA HEALTH INS CO L NIVABUPAInsurance | +80.0% | 4.8% | 80.3x Undervalued | -32% vs avg | +6.6% |
GENERAL INS CORP OF INDIA GICREInsurance | -1.3% | 18.3% | 6.5x Undervalued | -94% vs avg | -10.5% |
ICICI PRU LIFE INS CO LTD ICICIPRULIInsurance | -83.1% | 2.6% | 42.7x Undervalued | -64% vs avg | -18.8% |
THE NEW INDIA ASSU CO LTD trades at a discount (37.8x vs peer avg 120.7x), suggesting potential undervaluation relative to the Insurance cohort. Peers include MAX FINANCIAL SERV LTD, GENERAL INS CORP OF INDIA, HDFC LIFE INS 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
₹11.84K CrJun 2026Latest net profit
₹-257 CrJun 2026Latest EPS
₹-1.56Jun 2026Net margin
-1.8%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.
- 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 + | 9,840 | 10,517 | 11,318 | 11,658 | 10,368 | 10,740 | 10,667 | 11,616 | 11,662 | 13,422 | 12,013 | 12,488 | 11,836 |
| Expenses + | 9,504 | 10,777 | 10,449 | 11,173 | 10,115 | 10,608 | 10,559 | 11,167 | 11,475 | 13,451 | 11,812 | 12,477 | 12,054 |
| Operating Profit | 336 | -260 | 869 | 486 | 253 | 132 | 107 | 450 | 187 | -29 | 201 | 11 | -218 |
| OPM % | 3.4% | -2.5% | 8% | 4.2% | 2.4% | 1.2% | 1.0% | 3.9% | 1.6% | -0.2% | 1.7% | 0.1% | -1.8% |
| Other Income + | -25 | 6 | 0 | 34 | 3 | 5 | 9 | 76 | 202 | 98 | 166 | 426 | 27 |
| 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 | 311 | -254 | 869 | 520 | 255 | 137 | 116 | 526 | 389 | 69 | 367 | 437 | -191 |
| Tax % | 16% | -21% | 18% | 32% | 15% | 48% | -204% | 34% | -1% | 8% | -1% | -28% | 34% |
| Net Profit + | 260 | -200 | 715 | 354 | 217 | 71 | 353 | 347 | 391 | 63 | 372 | 558 | -257 |
| EPS in Rs | 1.58 | -1.21 | 4.34 | 2.15 | 1.32 | 0.43 | 2.14 | 2.10 | 2.37 | 0.38 | 2.25 | 3.38 | -1.56 |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).