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 63 using growth durability 62.7.
Valuation
Valuation institutional score is 32 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 94 using mean target upside 22.1%; dispersion penalty 0; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 43 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 10 recent ticker-linked news items.
Signal Summary
Market intelligence remains Neutral. analyst consensus provide support, while valuation and technical structure 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 32.1% above historical median. Valuation is stable — currently in the strongly overvalued zone (z-score: +0.95). Confidence: 78%.
Live forward EPS implies next-12-month EPS of ₹53.20. Applying the stock's normalized valuation corridor produces a fair range of ₹214.40 to ₹330.90, with base value near ₹250.57 (+10.4% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹53.20
Forward P/E
4.3x
Base Fair Value
₹250.57
Fair Range
₹214.40 - ₹330.90
Upside To Base
+10.4%
Estimate Source
Live forward EPS
Growth Estimate
+172.0%
5Y Average
0.71
Current
0.87
Overvalued
0.82
Undervalued
0.61
5Y Average
4.39
Current
6.22
Overvalued
6.22
Undervalued
4.03
5Y Average
1.11
Current
1.54
Overvalued
1.28
Undervalued
0.95
Peers & Comparison
Sector: Financials · Theme: Consumer Finance
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
PAISALO DIGITAL LIMITED PAISALOConsumer Finance | +20.7% | 45.8% | 26.7x Fair | 0% vs avg | +127.3% |
SATIN CREDIT NET LTD trades at a discount (6.1x vs peer avg 26.7x), suggesting potential undervaluation relative to the Consumer Finance cohort. Peers include PAISALO DIGITAL 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
₹670 CrDec 2025Latest net profit
₹189 CrDec 2025Latest EPS
₹6.42Dec 2025Net margin
69.6%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 | 397 | 422 | 492 | 547 | 593 | 582 | 600 | 631 | 561 | 641 | 716 | 670 |
| Expenses | 105 | 118 | 119 | 132 | 124 | 141 | 161 | 172 | 194 | 181 | 198 | 197 |
| Operating Profit | 285 | 300 | 367 | 411 | 463 | 436 | 433 | 453 | 360 | 455 | 512 | 466 |
| OPM % | 71.76% | 71.15% | 74.74% | 75% | 78.14% | 74.94% | 72.17% | 71.81% | 64.16% | 71% | 71.5% | 69.58% |
| Other Income | 0.21 | 0.12 | 0.24 | 0.17 | 1.34 | 0.19 | 0.45 | 0.77 | 1.86 | 0.56 | 0.5 | 0.56 |
| Interest | 146 | 170 | 200 | 230 | 233 | 229 | 243 | 242 | 236 | 267 | 313 | 256 |
| Depreciation | 7.25 | 3.94 | 5.28 | 5.14 | 5.62 | 5.01 | 5.67 | 6.32 | 6.6 | 5.37 | 5.97 | 7.02 |
| Profit before tax | 139 | 130 | 167 | 181 | 232 | 207 | 191 | 212 | 126 | 189 | 200 | 210 |
| Tax % | 22.88% | 22.24% | 20.96% | 20.35% | 18.18% | 16.89% | 8.3% | -3.72% | -5.71% | 6.36% | 9.11% | 9.98% |
| Net Profit | 107 | 101 | 132 | 144 | 189 | 172 | 175 | 220 | 133 | 177 | 182 | 189 |
| EPS in Rs | 11.29 | 10.00 | 10.57 | 10.76 | 11.39 | 9.33 | 3.78 | 2.85 | 3.73 | 3.87 | 4.72 | 6.42 |
All values in Rs. Crore unless otherwise stated. Source: CMIE Prowess, Quarterly Interim Standalone.