5PAISA
OVERVALUED5paisa Capital
Financial Services · NSE
↓ 56.0% vs fair value
52W Low
₹246
+14.8% from low
52W High
₹434
-35.0% from high
Valuation Gauge
Current Price
₹282
Fair Value
₹181
Fair Value Analysis
₹181
Based on balance sheet strength analysis and book value multiple for Financial Services sector companies | Sector-cheap: P/E at 24th percentile vs sector peers. | 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 15.4x trades at a 76% 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 — Last 30 Days
Historical Returns
Key Ratios & Growth
FCF Yield
10.7%
Free cash flow / market cap
Revenue Growth (YoY)
+10.4%
Year-on-year revenue change
Profit Growth (YoY)
-84.4%
Year-on-year PAT change
Operating Cash Flow
₹98 Cr
TTM cash from operations
Key Financials
EPS (TTM)
₹18.1
P/E Ratio
15.4x
P/B Ratio
1.4x
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)
₹892 Cr
52W High
₹433.7
52W Low
₹245.5
Book Value/Share
₹205.5
Financial History
| Period | Revenue | Op Profit | OPM% | PAT | EPS |
|---|---|---|---|---|---|
| TTM | ₹305 Cr | ₹96 Cr | 31.0% | ₹43 Cr | ₹13.89 |
| 2025-03-31 | ₹360 Cr | ₹127 Cr | 35.0% | ₹68 Cr | ₹21.84 |
| 2024-03-31 | ₹395 Cr | ₹111 Cr | 28.0% | ₹54 Cr | ₹17.45 |
| 2023-03-31 | ₹338 Cr | ₹87 Cr | 26.0% | ₹44 Cr | ₹14.22 |
| 2022-03-31 | ₹298 Cr | ₹47 Cr | 16.0% | ₹14 Cr | ₹4.67 |
| 2021-03-31 | ₹195 Cr | ₹45 Cr | 23.0% | ₹15 Cr | ₹5.76 |
| 2020-03-31 | ₹108 Cr | ₹10 Cr | 9.0% | ₹-8 Cr | ₹-3.10 |
| 2019-03-31 | ₹61 Cr | ₹-17 Cr | -28.0% | ₹-19 Cr | ₹-7.43 |
| 2018-03-31 | ₹20 Cr | ₹-32 Cr | -161.0% | ₹-25 Cr | ₹-9.92 |
| 2017-03-31 | ₹7 Cr | ₹-15 Cr | -199.0% | ₹-12 Cr | ₹-3.30 |
Compounded Growth Rates
Sales Growth
Profit Growth
EPS Growth
Peer Comparison
Financial Services| Stock | Price | Fair Value | MoS% | P/E | ROE | Signal |
|---|---|---|---|---|---|---|
Maharashtra Scooters Limited | ₹11,800 | ₹21,844.1 | +46.0% | 36.4 | 1.1% | FAIRLY_VALUED |
The Karnataka Bank Limited | ₹229.6 | ₹388.7 | +40.9% | 7.5 | 9.7% | UNDERVALUED |
JM Financial Limited | ₹122 | ₹135 | +9.6% | 9.4 | 12.4% | FAIRLY_VALUED |
Share India Securities Limited | ₹130.4 | ₹140.6 | +7.2% | 10.1 | 11.4% | FAIRLY_VALUED |
Geojit Financial Services | ₹57.5 | ₹57.4 | -0.2% | 17.2 | 14.2% | FAIRLY_VALUED |
Jana Small Finance Bank Limited | ₹385.5 | ₹337.8 | -14.1% | 12.6 | 7.3% | FAIRLY_VALUED |
Tata Investment Corporation Limited | ₹595 | ₹518.8 | -14.7% | 72.5 | 1.3% | FAIRLY_VALUED |
TSF INVESTMENTS LIMITED | ₹357.4 | ₹296.2 | -20.7% | 16.8 | 8.0% | OVERVALUED |
Institutional Activity
Bulk deals, block deals, short selling & delivery volume — NSE data
Insider Trading
Community Pulse
Company Documents
Annual reports, concall transcripts & regulatory filings
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