Akme Fintrade India Ltd (AFIL) fair value: what the stock is really worth
As of Nov 9, 2026: fair value (intrinsic value) of Akme Fintrade India Ltd stock ₹7.24, price ₹6.98, upside +3.8%, quality 46 out of 100. Rating: fairly valued. Calculated from audited financials with 10 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
29‑month range ₹4.88 – ₹1,000,000 · fair‑value band ₹6.76 – ₹11.17 · the ₹6.98 price screens below the ₹7.24 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
Follow Akme Fintrade India in your weekly email
Every Wednesday you see whether Akme Fintrade India is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Akme Fintrade (India) Limited, a non-banking financial company, provides lending services in India. The company offers two-wheeler, four-wheeler, old vehicle, business, solar rooftop, mahila udyog, farm equipment, corporate, and working capital loans, as well as provides loan against property.
Show moreShow less
Akme Fintrade (India) Limited was founded in 1995 and is based in Udaipur, India.
Stock analysis
Akme Fintrade India Ltd (AFIL) currently trades at ₹6.98, while our model-based Fair Value estimate is ₹7.24, so the stock looks roughly fairly valued today (gap 3.6%).
Show more
Valuation
Bull case: the Earnings-Based group reads highest at a median of ₹26.38 per share, and 5 of the 8 models we run sit above the ₹6.98 price.
Bear case: the DCF Models group reads lowest at ₹3.56, and 3 of the 8 models stay below the price. Data coverage for this calculation is low.
Scenario range: ₹6.76 (bear) to ₹11.17 (bull), the price of ₹6.98 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 46/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Akme Fintrade India Ltd reported revenue of ₹1.5B in FY2026 versus ₹668M in FY2022, a compound +22.2%/yr. Reported net income was ₹423M in FY2026, compounding +79.0%/yr from FY2022. FY2022 was a trough year, so the rate overstates the trend.
Key figures
Market cap ₹3.2B (≈ $34.4M) Micro · P/E ratio 6.6 · P/S ratio 3.56 · EPS (TTM) ₹1.06 · Net margin 48.8% · Return on equity 10.5% · Return on assets (EBIT) 6.1% (5-year average) · Operating margin 62.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 69 out of 100 (low confidence).
What moves the price
The share trades about 36% below its 52-week high and 43% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −1% fair-value upside, at 4%, AFIL screens cheaper than that median.
Fair Value models
Bear₹6.76Fair Value ₹7.24Bull₹11.17
Price ₹6.98 · Upside +3.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then (₹0.6534 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Growth DCFn/an/a₹4.3175
Residual Income₹7.95₹8.52₹9.6671
Rev-Margin DCFn/an/a₹4.3869
All 10 models by family
DCF Models
5Y P/E Exitn/a₹4.68₹13.1468
10Y P/E Exitn/a₹2.43>₹9.7261
Earnings-Based
Graham-Dodd₹6.74₹37.70₹52.3663
Lynch FV₹10.54₹15.06₹19.5861
Multiples
P/E Multiple₹9.67₹12.89₹16.1263
P/B Multiple₹10.38₹13.84₹17.3055
Asset-Based
NCAV (Graham)₹4.94₹6.63₹9.8954
Growth DCF
Growth DCFn/an/a₹4.3175
Rev-Margin DCFn/an/a₹4.3869
Economic Profit
Residual Income₹7.95₹8.52₹9.6671
The fair value above starts from this blend and is adjusted for dilution from new shares.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.80/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+52.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+31.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.2%
Start year 2021 (pandemic)
Revenue growth 8 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.8%
’18
’19
’20
’21
’22
’23
’24
’25
’26
What shareholders gained per year (last 5 years), in INR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
≈ −11.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−11.3%
Dividend (yield on the price)0.0%
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.77% → 36%
⚠ Revenue per share shrinking 23.8%/yr over ~6Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
⚠ Rate on operating basis: 2026 sits 56% above its own trend.
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+29.0%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (India: IMF forecast 4.1% a year to 2030, 4.7% from 2016 to 2025) that is about +23.9% a year for the price.
Compare Akme Fintrade India Ltd with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 325 stocks
Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score46 · Below median
Fair Value upside+3.8% · Below median
Profitability
Return on equity (12 months)10.5% · Above median
Return on assets4.5% · Top 25%
Net margin (12 months)48.8% · Top 25%
Operating margin (12 months)62.3% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)23.0% · Above median
Balance sheet
Debt / equity1.19× · Above median
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (12 months)6.6× · Cheapest 25%
P/B0.76× · Cheaper than median
P/S (12 months)3.56× · Pricier than median
Price / free cash flow (fiscal year)13.9× · Pricier than median
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Akme Fintrade India Ltd Fair Value". https://www.fairvalue-calculator.com/stock/AFIL
Frequently asked questions
Is Akme Fintrade India Ltd (AFIL) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of ₹7.24 versus a price of ₹6.98, about +4% upside (fairly valued).
What is the fair value of AFIL?
Our model-based fair value for Akme Fintrade India Ltd is ₹7.24 (as of Nov 7, 2026), built from audited fundamentals. The current price: ₹6.98.
What is the quality score of AFIL?
Akme Fintrade India Ltd has a Quality Score of 46/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Akme Fintrade India Ltd (AFIL)?
Our model-based price target is the fair value of ₹7.24 (as of Nov 7, 2026) from 10 valuation models. Cautious scenario ₹6.76, optimistic scenario ₹11.17. It is a calculation from audited fundamentals, not an analyst target.
What is the Akme Fintrade India Ltd stock forecast for 2026?
Our models put fair value at ₹7.24, about +4% upside versus a price of ₹6.98 (fairly valued). Cautious scenario ₹6.76, optimistic scenario ₹11.17. The calculation is refreshed regularly with new filings.
What is the revenue of Akme Fintrade India Ltd (AFIL)?
Akme Fintrade India Ltd reported trailing-twelve-month revenue of about ₹907M (latest available figure, as of Nov 7, 2026).
What growth is priced into Akme Fintrade India Ltd (AFIL)?
For today's price to be fair in a discounted-cash-flow model, Akme Fintrade India Ltd would have to grow free cash flow by +29.0 % per year for five years (discount rate 12.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +11.2 % per year. As of Nov 7, 2026.
What discount rate (WACC) does the fair value of AFIL use?
Our models discount Akme Fintrade India Ltd at 12.0 %: a base by market capitalisation (nano), damped by beta 0.89, country premium for India. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Akme Fintrade India Ltd that is +29.0 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (12.0 %) and the same formula as our fair value.
How much growth has Akme Fintrade India Ltd (AFIL) delivered so far?
Over the past 5 years revenue at Akme Fintrade India Ltd grew +11.2 % a year. The price currently implies free-cash-flow growth of +29.0 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Akme Fintrade India Ltd (AFIL) growing?
The median revenue growth in the sector is +3.8 % a year. That is the yardstick for the growth priced into Akme Fintrade India Ltd (+29.0 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Akme Fintrade India Ltd (AFIL)?
The free-cash-flow yield on the price is 7.20 %: that much free cash flow Akme Fintrade India Ltd produces per unit of market value. When it exceeds the discount rate of our models (12.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Akme Fintrade India Ltd (AFIL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Akme Fintrade India Ltd it is ₹7.24 per share (as of Nov 7, 2026), against a price of ₹6.98. It is the blended result of 10 valuation models in 6 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is Akme Fintrade India Ltd stock overvalued or undervalued in 2026?
As of Nov 7, 2026, AFIL trades below its calculated fair value: price ₹6.98, fair value ₹7.24, a gap of about +4% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of AFIL?
No. The price is what the market pays today (₹6.98); the fair value is what the company's own numbers justify (₹7.24). For Akme Fintrade India Ltd the two are ₹0.2620 per share apart. That gap is exactly why we show both numbers side by side.
How much is Akme Fintrade India Ltd worth?
The market values Akme Fintrade India Ltd at about ₹3.2B (market capitalisation, as of Nov 7, 2026). Per share that is ₹6.98; our models calculate a fair value of ₹7.24 per share.
What do the bullish and bearish scenarios say about AFIL?
Our models span a range for Akme Fintrade India Ltd: cautious scenario ₹6.76, base ₹7.24, optimistic ₹11.17 per share (as of Nov 7, 2026, price ₹6.98). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of AFIL?
Akme Fintrade India Ltd trades at a price-to-earnings ratio of 6.6 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹7.24 is built from several models across several years. Other multiples: P/B 0.8, P/S 3.6, EV/EBITDA 13.7.
How solid is the balance sheet of Akme Fintrade India Ltd (AFIL)?
Balance-sheet figures for Akme Fintrade India Ltd (as of Nov 7, 2026): return on equity 10.5%, debt of 1.19 per unit of equity. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is AFIL from its 52-week high?
Akme Fintrade India Ltd trades at ₹6.98, about 36% below its 52-week high of ₹10.91 and 43% above the low of ₹4.88 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of ₹7.24 is for.
Which stocks are comparable to Akme Fintrade India Ltd?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Akme Fintrade India Ltd stock attractive at the current price?
The data as of Nov 7, 2026: price ₹6.98, calculated fair value ₹7.24 (+4%), Quality Score 46/100, from 10 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of AFIL calculated?
We run Akme Fintrade India Ltd through 10 models from 6 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of ₹7.24 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.1% above its aggregate fair value. Akme Fintrade India Ltd currently trades 4% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Akme Fintrade India Ltd (AFIL)?
The closing price on Nov 9, 2026 was ₹6.98. Our model-based fair value is ₹7.24, about +4% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Akme Fintrade India Ltd right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Akme Fintrade India Ltd
How large is the market capitalisation of Akme Fintrade India Ltd (AFIL)?
The market capitalisation of Akme Fintrade India Ltd is ₹3.2B (≈ $34.4M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Akme Fintrade India Ltd (AFIL)?
The price-to-sales ratio of Akme Fintrade India Ltd is 3.56 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Akme Fintrade India Ltd (AFIL)?
Earnings per share at Akme Fintrade India Ltd are ₹1.06 (price ÷ EPS = P/E 6.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Akme Fintrade India Ltd (AFIL)?
The net margin of Akme Fintrade India Ltd is 48.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Akme Fintrade India Ltd (AFIL)?
The return on equity (ROE) of Akme Fintrade India Ltd is 10.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Akme Fintrade India Ltd (AFIL)?
On an EBIT basis the return on assets of Akme Fintrade India Ltd is 6.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Akme Fintrade India Ltd (AFIL)?
The operating margin of Akme Fintrade India Ltd is 62.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Akme Fintrade India Ltd (AFIL)?
Revenue at Akme Fintrade India Ltd is growing +23.0% versus a year earlier (3y avg +31.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Akme Fintrade India Ltd (AFIL)?
Earnings per share at Akme Fintrade India Ltd are growing +8.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Akme Fintrade India Ltd (AFIL) carry?
The net debt of Akme Fintrade India Ltd is ₹4.3B (fiscal year 2026, ≈ 18.5 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed
Watch Akme Fintrade India Ltd in the live analysis
One click puts Akme Fintrade India Ltd on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.
Thin data
Nov 7, 2026