Maruti Interior Products vs Temenos: Fair Value & Quality
Both stocks run through our valuation models. Here is how Maruti Interior Products (SPITZE) and Temenos (TMNSF) compare, as of Aug 22, 2026.
As of Aug 22, 2026, Fair Value Calculator sees Temenos as the more attractively valued of the two: Maruti Interior Products trades at ₹31.53 versus a fair value of ₹18.51 (-41%), while Temenos trades at $78.89 versus $111 (+40%).
Maruti Interior Products
SPITZE.BSE · INR
-41%
upside to fair value
overvalued
Price₹31.53
Fair Value₹18.51
Quality45/100
Temenos
TMNSF · USD · Information Technology
+40%
upside to fair value
undervalued
Price$78.89
Fair Value$111
Quality85/100
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Head-to-head numbers
Green value = the better side for that row (for valuation multiples: lower = cheaper).
Maruti Interior ProductsTemenos
Valuation
16.1×P/E (TTM)20.5×
6.92×P/S (TTM)6.05×
7.90×P/B14.08×
26.5×EV/EBITDA25.3×
—PEG2.99×
0.1%Dividend yield1.7%
Profitability
20%Net margin26%
42%Operating margin22%
26%Return on equity53%
11%Return on assets7%
Growth
-22%Revenue growth (YoY)9%
11.6%Avg. growth/yr (3Y)6.4%
28.2%Avg. growth/yr (5Y)5.2%
Balance & size
0.12×Debt / equity1.61×
$38MMarket cap$7B
expensiveGrowth qualityhealthy
Maruti Interior Products leads: 7 to 6 metric wins.
Dash = not meaningfully computable, for example with negative equity.
Quality in detail
The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.
Maruti Interior Productsof which business quality 43 · market factors 16Temenosof which business quality 79 · market factors 26
ProfitabilityMargins and returns on capital today
61
76
Quality GrowthAre margins and returns improving?
38
77
CashflowEarnings quality: real cash, not paper profit
InvestmentDisciplined investing over empire-building
32
100
Low VolatilityCalm price path (market factor)
50
47
MomentumPrice trend over the last 3–12 months (market factor)
2
22
52W MomentumDistance to the 52-week high (market factor)
0
8
Net IssuanceBuybacks instead of dilution
19
96
What the models say
The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.
Maruti Interior Products
DCF Models₹18.56
Earnings-Based₹35.56
Multiples₹18.14
Asset-Based₹5.11
Growth DCF₹14.22
Economic Profit₹10.58
Growth Earnings₹47.25
16 of 24 models see the stock below the current price.
Temenos
DCF Models$104
Earnings-Based$49.54
Dividend Discount$28.06
Multiples$99.36
Asset-Based$4.75
Growth DCF$85.52
Economic Profit$65.11
Growth Earnings$83.69
11 of 26 models see the stock below the current price.
Scenario ranges
From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.
Maruti Interior Products
Bear ₹9.98Fair Value ₹18.51Bull ₹25.50
₹31.53 = current price (white tick)
Temenos
Bear $63.10Fair Value $111Bull $153
$78.89 = current price (white tick)
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Ranked within their sector
Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.
Maruti Interior Products
No peer data.
Temenos · Information Technology
Quality score85 · Top 25%
Fair value upside+40% · Top 25%
Bottom line
As of Aug 22, 2026, Fair Value Calculator sees Temenos as the more attractively valued of the two: Maruti Interior Products trades at ₹31.53 versus a fair value of ₹18.51 (-41%), while Temenos trades at $78.89 versus $111 (+40%).
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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.
