5PAISA
OVERVALUED5paisa Capital
Financial Services · NSE
↓ 142.8% vs fair value
52W Low
₹246
+28.8% from low
52W High
₹434
-27.1% from high
Valuation Gauge
Current Price
₹316
Fair Value
₹130
Fair Value Analysis
₹130
Based on balance sheet strength analysis and book value multiple for Financial Services sector companies | ROCE improving (latest 15.5%) — capital allocation becoming more efficient. | Growth capped at 10.3% (ROE 9.0%×1.15) — historical CAGR exceeds sustainable rate or COVID period unverifiable.
Balance Sheet Value
39% weight
P/B Multiple
62% weight
Price vs Market
Shareholding Pattern
Stock Health Score
Financially Healthy
Profitability
ROE of 9.0% is below the Financial Services sector benchmark of 18%
Debt & Leverage
D/E ratio of 0.5x is well within the Financial Services sector norm of 4.0x — strong balance sheet
Valuation vs Peers
P/E of 16.8x trades at a 74% discount to Financial Services sector median (65x) — attractively valued
Cash Flow
Positive operating cash flow of ₹90 Cr — healthy for Financial Services sector
Earnings Growth
5yr EPS CAGR of 70.6% is well above the Financial Services sector average of 23.9% — strong growth
Dividend
No dividend — typical for growth-stage companies
Sentiment Trend
Historical Returns
Key Financials
EPS (TTM)
₹18.1
P/E Ratio
16.8x
P/B Ratio
2.2x
ROE
9%
ROCE
17.9%
Debt / Equity
0.46x
Beta
0.38
Div Yield
—
FCF (Cr)
₹90 Cr
Revenue (Cr)
₹229 Cr
EPS Growth 5Y
70.6%
Mkt Cap (Cr)
₹1,424 Cr
52W High
₹433.7
52W Low
₹245.5
Book Value/Share
₹136.9
Financial History
Annual P&L data not available yet.
Institutional Activity
Bulk deals, block deals, short selling & delivery volume — NSE data
Insider Trading
Community Pulse
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