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 1 analysts
Fundamentals
Fundamentals institutional score is 23 using EVA spread proxy -3.0%; growth durability 11.7.
Valuation
Valuation institutional score is 81 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 3 using mean target upside -28.4%; dispersion penalty 0; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 67 using EMA-20 continuation within 5% tolerance; VCP range/volume contraction proxy.
Market Sentiment
Recent news flow is skewing constructive on impact and recency. Based on 10 recent ticker-linked news items.
Signal Summary
Market intelligence remains Mixed. valuation and technical structure 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 28.6% below historical median. Valuation is declining — currently in the strongly undervalued zone (z-score: -0.87). Confidence: 66%.
Live forward EPS implies next-12-month EPS of ₹5.50. Applying the stock's normalized valuation corridor produces a fair range of ₹329.89 to ₹516.29, with base value near ₹427.96 (+85.7% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹5.50
Forward P/E
41.9x
Base Fair Value
₹427.96
Fair Range
₹329.89 - ₹516.29
Upside To Base
+85.7%
Estimate Source
Live forward EPS
Growth Estimate
-58.8%
5Y Average
53.67
Current
55.52
Overvalued
93.87
Undervalued
59.98
5Y Average
65.60
Current
67.86
Overvalued
101.03
Undervalued
18.58
5Y Average
6.73
Current
4.88
Overvalued
7.52
Undervalued
5.45
Peers & Comparison
Sector: Financials · Theme: Specialized Finance
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
INDIAN RENEWABLE ENERGY IREDASpecialized Finance | +23.7% | 46.0% | 17.0x Undervalued | -49% vs avg | -17.2% |
AUTHUM INVEST & INFRA LTD AIILSpecialized Finance | +14.1% | 82.1% | 30.6x Fair | -8% vs avg | +3.7% |
IFCI LTD IFCISpecialized Finance | — | 0.0% | 107.1x Premium | +223% vs avg | +44.0% |
HSG & URBAN DEV CORPN LTD HUDCOSpecialized Finance | +9.8% | 90.7% | 9.5x Undervalued | -71% vs avg | -5.2% |
REC LIMITED RECLTDSpecialized Finance | +25.2% | 68.9% | 6.0x Undervalued | -82% vs avg | -10.8% |
POWER FIN CORP LTD. PFCSpecialized Finance | +0.8% | 54.5% | 5.3x Undervalued | -84% vs avg | -7.3% |
JIO FIN SERVICES LTD JIOFINConsumer Finance | +208.2% | 55.0% | 79.9x Premium | +141% vs avg | -22.3% |
MUTHOOT FINANCE LIMITED MUTHOOTFINConsumer Finance | +35.3% | 55.5% | 10.2x Undervalued | -69% vs avg | +14.7% |
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
INDIAN RENEWABLE ENERGY IREDASpecialized Finance | +23.7% | 46.0% | 17.0x Undervalued | -38% vs avg | -17.2% |
AUTHUM INVEST & INFRA LTD AIILSpecialized Finance | +14.1% | 82.1% | 30.6x Fair | +12% vs avg | +3.7% |
IFCI LTD IFCISpecialized Finance | — | 0.0% | 107.1x Premium | +294% vs avg | +44.0% |
HSG & URBAN DEV CORPN LTD HUDCOSpecialized Finance | +9.8% | 90.7% | 9.5x Undervalued | -65% vs avg | -5.2% |
REC LIMITED RECLTDSpecialized Finance | +25.2% | 68.9% | 6.0x Undervalued | -78% vs avg | -10.8% |
POWER FIN CORP LTD. PFCSpecialized Finance | +0.8% | 54.5% | 5.3x Undervalued | -81% vs avg | -7.3% |
SAGILITY LIMITED SAGILITYSpecialized Finance | +27.6% | 13.0% | 20.6x Undervalued | -24% vs avg | -1.4% |
SBFC FINANCE LIMITED SBFCSpecialized Finance | +24.6% | 44.9% | 21.6x Undervalued | -21% vs avg | -7.9% |
RAIL VIKAS NIGAM LIMITED trades at a premium (55.6x vs peer avg 33.2x), implying higher growth or quality expectations from the Specialized Finance cohort. Peers include INDIAN RENEWABLE ENERGY, AUTHUM INVEST & INFRA LTD, IFCI 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
₹450 CrDec 2025Latest net profit
₹26 CrDec 2025Latest EPS
₹1.27Dec 2025Net margin
4.9%Dec 2025Performance
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: Dec 2025
Debt level and coverage
Debt, cash and free cash flow compared on the same crore scale.
- Debt
- 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 5,721 | 5,446 | 4,910 | 4,676 | 6,701 | 4,064 | 4,869 | 4,591 | 6,345 | 3,925 | 4,935 | 450 |
| Expenses | 5,349 | 5,099 | 4,613 | 4,430 | 6,246 | 3,888 | 4,597 | 4,328 | 5,955 | 3,846 | 4,723 | 427 |
| Operating Profit | 367 | 342 | 291 | 241 | 451 | 169 | 265 | 256 | 381 | 70.05 | 202 | 22.12 |
| OPM % | 6.41% | 6.28% | 5.92% | 5.16% | 6.73% | 4.16% | 5.45% | 5.57% | 6% | 1.78% | 4.1% | 4.91% |
| Other Income | 261 | 280 | 296 | 326 | 279 | 262 | 280 | 284 | 193 | 201 | 203 | 23.45 |
| Interest | 146 | 146 | 133 | 139 | 151 | 137 | 141 | 145 | 117 | 108 | 99.62 | 10.36 |
| Depreciation | 5.82 | 5.48 | 6.19 | 4.8 | 4.34 | 6.87 | 7.38 | 7.38 | 8.96 | 8.82 | 8.89 | 0.89 |
| Profit before tax | 482 | 477 | 455 | 429 | 579 | 294 | 405 | 395 | 457 | 163 | 306 | 35.21 |
| Tax % | 29.17% | 30% | 18.6% | 25.25% | 25.2% | 25.9% | 25.22% | 25.22% | 18.34% | 21.66% | 35.87% | 27.21% |
| Net Profit | 341 | 334 | 370 | 321 | 433 | 218 | 303 | 295 | 373 | 128 | 196 | 25.63 |
| EPS in Rs | 1.66 | 1.60 | 1.77 | 1.56 | 2.08 | 1.04 | 1.45 | 1.41 | 1.79 | 0.61 | 0.94 | 1.27 |
All values in Rs. Crore unless otherwise stated. Source: CMIE Prowess, Quarterly Interim Standalone.