CRISIL
OVERVALUEDCRISIL Limited
Financial Services · NSE
↓ 315.5% vs fair value
52W Low
₹3,686
+3.3% from low
52W High
₹6,139
-38.0% from high
Valuation Gauge
Current Price
₹3,808
Fair Value
₹917
Fair Value Analysis
₹917
Based on balance sheet strength analysis and book value multiple for Financial Services sector companies
Balance Sheet Value
39% weight
P/B Multiple
62% weight
Price vs Market
Shareholding Pattern
Stock Health Score
Financially Healthy
Profitability
ROE of 27.4% is above the Financial Services sector benchmark of 18% — strong returns
Debt & Leverage
D/E ratio of 0.1x is well within the Financial Services sector norm of 4.0x — strong balance sheet
Valuation vs Peers
P/E of 35.4x trades at a 46% discount to Financial Services sector median (65x) — attractively valued
Cash Flow
Positive operating cash flow of ₹682 Cr — healthy for Financial Services sector
Earnings Growth
5yr EPS CAGR of 10.7% is well below Financial Services sector average of 23.9%
Dividend
Dividend yield of 3.0% provides strong shareholder returns (benchmark: 1.5%)
Sentiment Trend — Last 30 Days
Historical Returns
Key Ratios & Growth
FCF Yield
1.4%
Free cash flow / market cap
Revenue Growth (YoY)
+18.5%
Year-on-year revenue change
Profit Growth (YoY)
+7.6%
Year-on-year PAT change
Operating Cash Flow
₹765 Cr
TTM cash from operations
Key Financials
EPS (TTM)
₹104.8
P/E Ratio
35.4x
P/B Ratio
9x
ROE
27.4%
ROCE
31%
Debt / Equity
0.1x
Beta
0.09
Div Yield
2.9%
FCF (Cr)
₹682 Cr
Revenue (Cr)
₹3,649 Cr
EPS Growth 5Y
10.7%
Mkt Cap (Cr)
₹27,124 Cr
52W High
₹6,139
52W Low
₹3,686
Book Value/Share
₹413.8
Financial History
| Period | Revenue | Op Profit | OPM% | PAT | EPS |
|---|---|---|---|---|---|
| 2025-12-31 | ₹3.6K Cr | ₹1.1K Cr | 30.0% | ₹766 Cr | ₹104.75 |
| 2024-12-31 | ₹3.3K Cr | ₹911 Cr | 28.0% | ₹684 Cr | ₹93.54 |
| 2023-12-31 | ₹3.1K Cr | ₹882 Cr | 28.0% | ₹658 Cr | ₹90.06 |
| 2022-12-31 | ₹2.8K Cr | ₹730 Cr | 26.0% | ₹564 Cr | ₹77.25 |
| 2021-12-31 | ₹2.3K Cr | ₹611 Cr | 27.0% | ₹466 Cr | ₹63.92 |
| 2020-12-31 | ₹2.0K Cr | ₹511 Cr | 26.0% | ₹355 Cr | ₹48.87 |
| 2019-12-31 | ₹1.7K Cr | ₹456 Cr | 26.0% | ₹344 Cr | ₹47.57 |
| 2018-12-31 | ₹1.7K Cr | ₹471 Cr | 27.0% | ₹363 Cr | ₹50.35 |
| 2017-12-31 | ₹1.7K Cr | ₹455 Cr | 27.0% | ₹304 Cr | ₹42.46 |
| 2016-12-31 | ₹1.5K Cr | ₹443 Cr | 29.0% | ₹294 Cr | ₹41.26 |
| 2015-12-31 | ₹1.4K Cr | ₹400 Cr | 29.0% | ₹285 Cr | ₹40.04 |
| 2014-12-31 | ₹1.3K Cr | ₹389 Cr | 31.0% | ₹268 Cr | ₹37.62 |
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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