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 10 analysts
Fundamentals
Fundamentals institutional score is 35 using growth durability 35.3.
Valuation
Valuation institutional score is 75 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 84 using mean target upside 30.6%; dispersion penalty 10.7; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 78 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. valuation and analyst consensus provide support, while fundamentals and market sentiment 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 0.8% above historical median. Valuation is stable — currently in the undervalued zone (z-score: -0.09). Confidence: 89%.
Live forward EPS implies next-12-month EPS of ₹2.94. Applying the stock's normalized valuation corridor produces a fair range of ₹56.74 to ₹65.56, with base value near ₹60.03 (+37.6% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹2.94
Forward P/E
14.8x
Base Fair Value
₹60.03
Fair Range
₹56.74 - ₹65.56
Upside To Base
+37.6%
Estimate Source
Live forward EPS
Growth Estimate
+43.8%
5Y Average
20.92
Current
20.58
Overvalued
22.30
Undervalued
19.30
5Y Average
2.73
Current
2.68
Overvalued
3.14
Undervalued
2.32
5Y Average
11.17
Current
10.99
Overvalued
12.45
Undervalued
10.31
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% | 16.9x Undervalued | -52% vs avg | -17.2% |
IFCI LTD IFCISpecialized Finance | — | 0.0% | 106.4x Premium | +204% vs avg | +44.0% |
SBFC FINANCE LIMITED SBFCSpecialized Finance | +24.6% | 44.9% | 21.5x Undervalued | -39% vs avg | -8.2% |
AUTHUM INVEST & INFRA LTD AIILSpecialized Finance | +14.1% | 82.1% | 30.1x Fair | -14% vs avg | +3.7% |
HSG & URBAN DEV CORPN LTD HUDCOSpecialized Finance | +9.8% | 90.7% | 9.3x Undervalued | -73% vs avg | -5.2% |
TOURISM FINANCE CORP. OF TFCILTDSpecialized Finance | +98.3% | 67.8% | 34.7x Fair | -1% vs avg | +100.7% |
REC LIMITED RECLTDSpecialized Finance | +25.2% | 68.9% | 6.0x Undervalued | -83% vs avg | -10.8% |
RAIL VIKAS NIGAM LIMITED RVNLSpecialized Finance | +4.2% | 4.3% | 55.4x Premium | +58% vs avg | -30.0% |
SAGILITY LIMITED trades at a discount (20.3x vs peer avg 35.0x), suggesting potential undervaluation relative to the Specialized Finance cohort. Peers include INDIAN RENEWABLE ENERGY, IFCI LTD, SBFC FINANCE 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
₹505 CrDec 2025Latest net profit
₹102 CrDec 2025Latest EPS
₹0.15Dec 2025Net margin
25.3%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 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 365 | 366 | 370 | 394 | 387 | 421 | 454 | 455 | 473 | 492 | 505 |
| Expenses | 278 | 197 | 236 | 271 | 316 | 284 | 292 | 313 | 310 | 334 | 355 |
| Operating Profit | -1.72 | 79.24 | 44.74 | 33.64 | 50.93 | 102 | 136 | 124 | 143 | 137 | 128 |
| OPM % | -0.47% | 21.67% | 12.08% | 8.55% | 13.16% | 24.3% | 29.96% | 27.15% | 30.17% | 27.81% | 25.31% |
| Other Income | 1.78 | 3.22 | 1.62 | 14.64 | 1.67 | 15.07 | 25.26 | 8.5 | 6.95 | 26.67 | 9.59 |
| Interest | 29.72 | 30.24 | 29.05 | 26.87 | 24.36 | 23.14 | 23.13 | 22.65 | 20.49 | 18.22 | 18.26 |
| Depreciation | 88.43 | 89.69 | 89.01 | 89.47 | 19.81 | 34.52 | 26.05 | 18.8 | 20.16 | 21.13 | 22.32 |
| Profit before tax | -29.66 | 52.22 | 17.31 | 21.41 | 28.24 | 94.18 | 138 | 109 | 129 | 145 | 119 |
| Tax % | -3.2% | 115.19% | -443.73% | 19.99% | 77.3% | 22.29% | 20.25% | 25.29% | 25.05% | 23.65% | 14.24% |
| Net Profit | -30.61 | -7.93 | 94.12 | 17.13 | 6.41 | 73.19 | 110 | 81.78 | 96.73 | 111 | 102 |
| EPS in Rs | — | -0.04 | 0.49 | 0.04 | 0.01 | 0.16 | 0.24 | 0.17 | 0.21 | 0.23 | 0.15 |
All values in Rs. Crore unless otherwise stated. Source: CMIE Prowess, Quarterly Interim Standalone.