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 7 analysts
Fundamentals
Fundamentals institutional score is 94 using growth durability 93.9.
Valuation
Valuation institutional score is 82 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 84 using mean target upside 29.9%; dispersion penalty 11.5; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 65 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 9 recent ticker-linked news items.
Signal Summary
Market intelligence remains Supportive. fundamentals and valuation provide support.
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 5.5% above historical median. Valuation is stable — currently in the fair zone (z-score: +0.15). Confidence: 89%.
Live forward EPS implies next-12-month EPS of ₹6.13. Applying the stock's normalized valuation corridor produces a fair range of ₹119.41 to ₹139.09, with base value near ₹125.60 (+33.6% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹6.13
Forward P/E
15.3x
Base Fair Value
₹125.60
Fair Range
₹119.41 - ₹139.09
Upside To Base
+33.6%
Estimate Source
Live forward EPS
Growth Estimate
+28.6%
5Y Average
3.32
Current
2.79
Overvalued
3.82
Undervalued
2.82
5Y Average
21.24
Current
21.62
Overvalued
22.69
Undervalued
19.48
5Y Average
9.59
Current
9.73
Overvalued
9.98
Undervalued
8.81
Peers & Comparison
Sector: Financials · Theme: Specialized Finance
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
IFCI LTD IFCISpecialized Finance | — | 0.0% | 106.4x Premium | +171% vs avg | +44.0% |
INDIAN RENEWABLE ENERGY IREDASpecialized Finance | +23.7% | 46.0% | 16.9x Undervalued | -57% vs avg | -17.2% |
SAGILITY LIMITED SAGILITYSpecialized Finance | +27.6% | 13.0% | 20.5x Undervalued | -48% vs avg | -1.5% |
AUTHUM INVEST & INFRA LTD AIILSpecialized Finance | +14.1% | 82.1% | 30.1x Undervalued | -23% vs avg | +3.7% |
TOURISM FINANCE CORP. OF TFCILTDSpecialized Finance | +98.3% | 67.8% | 35.5x Fair | -9% vs avg | +100.7% |
HSG & URBAN DEV CORPN LTD HUDCOSpecialized Finance | +9.8% | 90.7% | 9.3x Undervalued | -76% vs avg | -5.2% |
RAIL VIKAS NIGAM LIMITED RVNLSpecialized Finance | +4.2% | 4.3% | 55.4x Premium | +41% vs avg | -30.0% |
SBFC FINANCE LIMITED trades at a discount (21.5x vs peer avg 39.2x), suggesting potential undervaluation relative to the Specialized Finance cohort. Peers include IFCI LTD, INDIAN RENEWABLE ENERGY, SAGILITY 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
₹454 CrMar 2026Latest net profit
₹160 CrMar 2026Latest EPS
₹1.12Mar 2026Net margin
76.8%Mar 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: Mar 2026
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 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 208 | 230 | 246 | 264 | 279 | 298 | 314 | 333 | 361 | 388 | 411 | 427 | 454 |
| Expenses | 61.53 | 65.27 | 72.49 | 77.91 | 76.98 | 79.05 | 80.89 | 85.89 | 91.97 | 97.91 | 100 | 95.52 | 101 |
| Operating Profit | 143 | 161 | 171 | 183 | 198 | 215 | 229 | 243 | 264 | 285 | 306 | 326 | 348 |
| OPM % | 68.87% | 70.21% | 69.25% | 69.17% | 71.09% | 72.16% | 73% | 72.82% | 73.23% | 73.5% | 74.39% | 76.45% | 76.76% |
| Other Income | 1.12 | 0.34 | 0.2 | 0.09 | 0.65 | 0.01 | 0.3 | 0.09 | 0.6 | 0.11 | 0.22 | 0.25 | 0.11 |
| Interest | 78.7 | 88.61 | 89.16 | 84.58 | 88.3 | 94.76 | 100 | 106 | 118 | 125 | 129 | 136 | 147 |
| Depreciation | 3.08 | 3.12 | 3.25 | 3.42 | 3.63 | 3.76 | 3.85 | 4.65 | 4.56 | 5.04 | 5.08 | 4.99 | 5.01 |
| Profit before tax | 65.36 | 72.92 | 81.61 | 98.02 | 111 | 120 | 129 | 137 | 147 | 161 | 177 | 191 | 201 |
| Tax % | 23.44% | 21.7% | 22.08% | 22.16% | 29.27% | 22.02% | 21.24% | 21.5% | 21.4% | 21.29% | 20.78% | 20.87% | 20.55% |
| Net Profit | 50.04 | 57.1 | 63.59 | 76.3 | 78.19 | 93.53 | 102 | 107 | 115 | 126 | 140 | 151 | 160 |
| EPS in Rs | 0.48 | 0.52 | 0.52 | 0.60 | 0.69 | 0.73 | 0.78 | 0.82 | 0.87 | 0.93 | 1.00 | 1.08 | 1.12 |
All values in Rs. Crore unless otherwise stated. Source: CMIE Prowess, Quarterly Interim Standalone.