Apple Finance Limited (500014) Fair Value & Analysis
Financial · IN · Market cap ₹65.1M
Fair value as of: Jul 4, 2026
From 17 valuation models · updated today
Share price −2.5% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹3.26 – ₹5.82 · the ₹3.93 price screens below the ₹7.86 fair value. As of Jul 4, 2026.
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Apple Finance Limited (500014) currently trades at ₹3.93, while our model-based Fair Value estimate is ₹7.86 — implying the stock looks roughly 100.0% undervalued today. We read business quality at 56/100 (solid quality), in the Financial sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, Apple Finance Limited generated revenue of ₹15.5M at a net margin of 3.4%. It earns a return on equity of 0.3%. The stock trades on a trailing P/E of 130.0. Fundamentals as of Jul 4, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 4, 2026. TTM = trailing twelve months.
About the company
Apple Finance Limited does not have significant operations. Previously, it was engaged primarily in computer education and financial services. The company was formerly known as Apple Leasing & Computers Limited and changed its name to Apple Finance Limited as a result of the demerger of its Computer Education division to Aptech Limited in 1996. Apple Finance Limited was incorporated in 1985 and is based in Mumbai, India.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Apple Finance Limited reported revenue of ₹530M in FY2026 versus ₹206M in FY2022, a compound +26.6%/yr. Reported net income was ₹18.8M in FY2026.
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Similar stocks
6 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 4, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc 3V64 | €283.80 | €135.27 | -52% |
| Mastercard Incorporated MA | C$29.95 | C$10.05 | -66% |
| M4I M4I | €430.50 | €317.57 | -26% |
| American Express Company AXP | C$28.87 | C$23.85 | -17% |
| Capital One Financial Corporation COF | $183.20 | $122.33 | -33% |
| Bajaj Finance Limited BAJFINANCE | ₹968.30 | ₹720.78 | -26% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.