NUVAMA
OVERVALUEDNuvama Wealth Management
Financial Services · NSE
↓ 202.8% vs fair value
52W Low
₹1,097
+34.7% from low
52W High
₹1,702
-13.1% from high
Valuation Gauge
Current Price
₹1,478
Fair Value
₹488
Fair Value Analysis
₹488
Based on balance sheet strength analysis and book value multiple for Financial Services sector companies | ROCE improving (latest 19.6%) — 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 27.3% is above the Financial Services sector benchmark of 18% — strong returns
Debt & Leverage
D/E ratio of 2.8x is well within the Financial Services sector norm of 4.0x — strong balance sheet
Valuation vs Peers
P/E of 25.3x trades at a 61% discount to Financial Services sector median (65x) — attractively valued
Cash Flow
Negative cash flow of ₹-404 Cr — concerning for Financial Services sector
Earnings Growth
5yr EPS CAGR of 79.8% is well above the Financial Services sector average of 23.9% — strong growth
Dividend
Dividend yield of 1.9% provides strong shareholder returns (benchmark: 1.5%)
Company Health Timeline
10-year financial health at a glance
Sentiment Trend — Last 30 Days
Historical Returns
Key Ratios & Growth
FCF Yield
-11.9%
Free cash flow / market cap
Revenue Growth (YoY)
+13.3%
Year-on-year revenue change
Profit Growth (YoY)
+5.5%
Year-on-year PAT change
Operating Cash Flow
₹-3.0K Cr
TTM cash from operations
Key Financials
EPS (TTM)
₹57.5
P/E Ratio
25.3x
P/B Ratio
6.4x
ROE
27.3%
ROCE
30.2%
Debt / Equity
2.82x
Beta
—
Div Yield
1.9%
FCF (Cr)
₹-404 Cr
Revenue (Cr)
₹2,140 Cr
EPS Growth 5Y
79.8%
Mkt Cap (Cr)
₹26,571 Cr
52W High
₹1,701.7
52W Low
₹1,096.9
Book Value/Share
₹226.6
Financial History
| Period | Revenue | Op Profit | OPM% | PAT | EPS |
|---|---|---|---|---|---|
| 2026-03-31 | ₹4.6K Cr | ₹2.4K Cr | 53.0% | ₹1.0K Cr | ₹57.19 |
| 2025-03-31 | ₹4.2K Cr | ₹2.2K Cr | 53.0% | ₹985 Cr | ₹54.82 |
| 2024-03-31 | ₹3.2K Cr | ₹1.6K Cr | 50.0% | ₹625 Cr | ₹35.43 |
| 2023-03-31 | ₹2.2K Cr | ₹883 Cr | 40.0% | ₹305 Cr | — |
| 2022-03-31 | ₹1.8K Cr | ₹646 Cr | 36.0% | ₹857 Cr | — |
| 2021-03-31 | ₹1.4K Cr | ₹444 Cr | 32.0% | ₹-475 Cr | — |
| 2020-03-31 | ₹780 Cr | ₹499 Cr | 64.0% | ₹286 Cr | — |
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 | ₹11,720 | ₹21,980 | +46.7% | 44.6 | 1.1% | FAIRLY_VALUED |
The Karnataka Bank Limited | ₹263.9 | ₹388.7 | +32.1% | 8.1 | 9.7% | FAIRLY_VALUED |
JM Financial Limited | ₹129.4 | ₹135 | +4.1% | 10.4 | 12.4% | FAIRLY_VALUED |
Share India Securities Limited | ₹141.9 | ₹140.6 | -1.0% | 10.8 | 11.4% | FAIRLY_VALUED |
AvenuesAI Limited | ₹13.9 | ₹12 | -15.2% | 17.5 | 6.3% | FAIRLY_VALUED |
Tata Investment Corporation Limited | ₹668 | ₹518.8 | -28.8% | 78.8 | 1.4% | OVERVALUED |
TSF INVESTMENTS LIMITED | ₹408.5 | ₹296.2 | -37.9% | 18.6 | 8.0% | OVERVALUED |
Jio Financial Services Limited | ₹238.9 | ₹171.5 | -39.3% | 97.1 | 1.2% | OVERVALUED |
Institutional Activity
Bulk deals, block deals, short selling & delivery volume — NSE data
Insider Trading
Community Pulse
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