BSE
OVERVALUEDBSE (Bombay Stock Exchange)
Financial Services · NSE
↓ 742.1% vs fair value
52W Low
₹1,659
+78.7% from low
52W High
₹3,227
-8.1% from high
Valuation Gauge
Current Price
₹2,966
Fair Value
₹352
Fair Value Analysis
₹352
Based on balance sheet strength analysis and book value multiple for Financial Services sector companies | ROCE improving (latest 42.4%) — capital allocation becoming more efficient.
Balance Sheet Value
39% weight
P/B Multiple
62% weight
Price vs Market
Shareholding Pattern
Stock Health Score
Financially Strong
Profitability
ROE of 42.0% is above the Financial Services sector benchmark of 18% — strong returns
Debt & Leverage
D/E ratio of 0.0x is well within the Financial Services sector norm of 4.0x — strong balance sheet
Valuation vs Peers
P/E of 52.9x is slightly below the Financial Services sector median of 65x — reasonably valued
Cash Flow
Positive operating cash flow of ₹261 Cr — healthy for Financial Services sector
Earnings Growth
5yr EPS CAGR of 73.4% is well above the Financial Services sector average of 23.9% — strong growth
Dividend
Dividend yield of 0.2% is symbolic — low but positive
Sentiment Trend — Last 30 Days
Historical Returns
Key Ratios & Growth
FCF Yield
-0.3%
Free cash flow / market cap
Revenue Growth (YoY)
+62.0%
Year-on-year revenue change
Profit Growth (YoY)
+172.6%
Year-on-year PAT change
Operating Cash Flow
₹414 Cr
TTM cash from operations
Key Financials
EPS (TTM)
₹54
P/E Ratio
52.9x
P/B Ratio
22.1x
ROE
42%
ROCE
30.5%
Debt / Equity
0x
Beta
0.06
Div Yield
0.2%
FCF (Cr)
₹261 Cr
Revenue (Cr)
₹2,957 Cr
EPS Growth 5Y
73.4%
Mkt Cap (Cr)
₹1,15,804 Cr
52W High
₹3,227
52W Low
₹1,659.5
Book Value/Share
₹129
Financial History
| Period | Revenue | Op Profit | OPM% | PAT | EPS |
|---|---|---|---|---|---|
| TTM | ₹4.1K Cr | ₹2.5K Cr | 61.0% | ₹2.2K Cr | ₹53.96 |
| 2025-03-31 | ₹3.2K Cr | ₹1.9K Cr | 58.0% | ₹1.3K Cr | ₹32.65 |
| 2024-03-31 | ₹1.6K Cr | ₹711 Cr | 45.0% | ₹772 Cr | ₹19.17 |
| 2023-03-31 | ₹925 Cr | ₹352 Cr | 38.0% | ₹206 Cr | ₹5.43 |
| 2022-03-31 | ₹841 Cr | ₹352 Cr | 42.0% | ₹245 Cr | ₹6.27 |
| 2021-03-31 | ₹630 Cr | ₹202 Cr | 32.0% | ₹142 Cr | ₹3.58 |
| 2020-03-31 | ₹609 Cr | ₹127 Cr | 21.0% | ₹121 Cr | ₹3.02 |
| 2019-03-31 | ₹652 Cr | ₹219 Cr | 34.0% | ₹199 Cr | ₹4.27 |
| 2018-03-31 | ₹676 Cr | ₹274 Cr | 41.0% | ₹702 Cr | ₹14.22 |
| 2017-03-31 | ₹572 Cr | ₹190 Cr | 33.0% | ₹265 Cr | ₹4.57 |
| 2016-03-31 | ₹635 Cr | ₹243 Cr | 38.0% | ₹177 Cr | ₹1.38 |
| 2015-03-31 | ₹584 Cr | ₹290 Cr | 50.0% | ₹177 Cr | ₹1.66 |
| 2014-03-31 | ₹485 Cr | ₹245 Cr | 51.0% | ₹160 Cr | ₹1.45 |
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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