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 32 analysts
Fundamentals
Fundamentals institutional score is 92 using EVA spread proxy 6.5%; growth durability 100.0.
Valuation
Valuation institutional score is 27 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 68 using mean target upside 5.9%; dispersion penalty 7.0; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 62 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 4 recent ticker-linked news items.
Signal Summary
Market intelligence remains Neutral. fundamentals and analyst consensus provide support, while valuation 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 85.7% above historical median. Valuation is rising — currently in the strongly overvalued zone (z-score: +2.24). Confidence: 67%.
Live forward EPS implies next-12-month EPS of ₹71.77. Applying the stock's normalized valuation corridor produces a fair range of ₹610.04 to ₹1,026.31, with base value near ₹770.81 (-31.8% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹71.77
Forward P/E
15.7x
Base Fair Value
₹770.81
Fair Range
₹610.04 - ₹1,026.31
Upside To Base
-31.8%
Estimate Source
Live forward EPS
Growth Estimate
+29.5%
5Y Average
3.34
Current
3.23
Overvalued
3.84
Undervalued
2.84
5Y Average
8.91
Current
19.94
Overvalued
14.30
Undervalued
8.50
5Y Average
5.25
Current
11.75
Overvalued
6.50
Undervalued
2.62
Peers & Comparison
Sector: Financials · Theme: Consumer Finance
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
TATA CAPITAL LIMITED TATACAPConsumer Finance | +40.3% | 39.7% | 28.8x Fair | -5% vs avg | +11.3% |
L&T FINANCE LIMITED LTFConsumer Finance | +29.3% | 33.1% | 24.9x Undervalued | -18% vs avg | +58.2% |
JIO FIN SERVICES LTD JIOFINConsumer Finance | +208.2% | 55.0% | 79.5x Premium | +163% vs avg | -22.3% |
MUTHOOT FINANCE LIMITED MUTHOOTFINConsumer Finance | +35.3% | 55.5% | 10.3x Undervalued | -66% vs avg | +14.7% |
HDB FINANCIAL SERVICES L HDBFSConsumer Finance | +21.0% | 29.8% | 20.4x Undervalued | -32% vs avg | -10.4% |
CHOLAMANDALAM IN & FIN CO CHOLAFINConsumer Finance | +34.6% | 40.5% | 28.3x Fair | -6% vs avg | +32.3% |
BAJAJ FINANCE LIMITED BAJFINANCEConsumer Finance | +26.1% | 43.5% | 33.6x Fair | +11% vs avg | +29.2% |
HDFC BANK LTD HDFCBANKPrivate Banks | +16.6% | 26.8% | 15.9x Undervalued | -47% vs avg | -25.8% |
SHRIRAM FINANCE LIMITED trades at a discount (19.9x vs peer avg 30.2x), suggesting potential undervaluation relative to the Consumer Finance cohort. Peers include TATA CAPITAL LIMITED, L&T FINANCE LIMITED, JIO FIN SERVICES 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
₹12.53K CrApr 2026Latest net profit
₹3.01K CrApr 2026Net Profit
₹3.01K CrProfit conversionPerformance
Bars show revenue and net profit. The line shows net margin.
- Revenue
- Net income
- Net margin %
Revenue to profit conversion
Bridge from operating numbers to profit for the latest reported period.
Latest reported period: Apr 2026
Results
| Metric | Mar 2016 | Apr 2026 |
|---|---|---|
| Sales | 2,930 | 12,528 |
| Interest Earned | 2,929 | 12,509 |
| Other Income | 0.75 | 19.19 |
| Interest | 1,442 | 5,336 |
| Operating Expenses | 402 | 1,867 |
| EBITDA | 1,086 | 5,325 |
| Provisions | 869 | 1,410 |
| Profit before tax | 217 | 3,915 |
| Tax % | 33.74% | 23.03% |
| Net Profit | 144 | 3,014 |
| Gross NPA % | — | 4.58% |
| Net NPA % | — | 2.33% |
| Loans and Advances | 63,770 | 282,452 |
| Borrowings | 33,600 | 250,690 |
| EPS in Rs | 6.34 | — |
All values in Rs. Crore unless otherwise stated. Source: CMIE Prowess, Quarterly Interim Standalone.