AI Summary
✦ ClarthaValuation Metrics
Trading 63.2% above historical median. Valuation is rising — currently in the strongly overvalued zone (z-score: +1.37). Confidence: 68%.
Live forward EPS implies next-12-month EPS of ₹3.80. Applying the stock's normalized valuation corridor produces a fair range of ₹47.84 to ₹83.98, with base value near ₹58.52 (-15.1% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹3.80
Forward P/E
18.1x
Base Fair Value
₹58.52
Fair Range
₹47.84 - ₹83.98
Upside To Base
-15.1%
Estimate Source
Live forward EPS
Growth Estimate
+28.8%
5Y Average
2.26
Current
3.47
Overvalued
2.60
Undervalued
1.92
5Y Average
15.80
Current
25.14
Overvalued
22.10
Undervalued
12.59
5Y Average
7.17
Current
11.41
Overvalued
8.26
Undervalued
5.60
Peers & Comparison
Sector: Financials · Theme: Consumer Finance
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
FIVE-STAR BUS FIN LTD FIVESTARConsumer Finance | +8.0% | 47.8% | 14.6x Undervalued | -76% vs avg | -5.6% |
IFCI LTD IFCISpecialized Finance | — | 0.0% | 109.7x Premium | +77% vs avg | +43.4% |
PAISALO DIGITAL LIMITED trades at a discount (25.3x vs peer avg 62.1x), suggesting potential undervaluation relative to the Consumer Finance cohort. Peers include FIVE-STAR BUS FIN LTD, IFCI LTD — selected based on business model, industry classification, market cap similarity, and business theme alignment.
Financials
Financial chart data is not available for this company right now.
Results
Income statement data not available.
All values in ₹ Crores unless otherwise stated. Source: Company filings.