Apple Finance Limited (500014) Fair Value & Analysis
Financial · IN · Market cap ₹65.1M
Fair value as of: Aug 16, 2026
From 10 valuation models · updated 3 days ago
A solid business, screening 92% undervalued on our models.
What matters now
- The price is below even our cautious bear case (₹7.25). The market is more pessimistic than our downside scenario.
- Solid quality (60/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 16, 2026.
How to read this chart
60‑month range ₹1.70 – ₹13.20 · the ₹3.78 price screens below the ₹7.25 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 16, 2026.
Analysis
Apple Finance Limited (500014) currently trades at ₹3.78, while our model-based Fair Value estimate is ₹7.25, implying the stock looks roughly 91.8% undervalued today. The Quality Score stands at 60/100 (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 (as of Jul 4, 2026). Fundamentals as of Aug 16, 2026
The share trades about 41% below its 52-week high and 18% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial peers we cover trades at -45% fair-value upside, at 92%, 500014 screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 10 models by family
Widest divergence: Growth DCF (₹41.00) versus Multiples (₹4.40). Highest evidence: Growth DCF (80).
Notify me when 500014 reaches fair value
Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 16, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 65 · Market factors (momentum, volatility) 32
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
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.
Full company description
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.
Company description, as reported by the company or data provider.
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.
Watch 500014: get an alert when its fair value changes →
Peer Group
Credit Services · 334 stocks
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.
Valuation Multiples vs Credit Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 16, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $359.42 | $198.27 | -45% |
| Mastercard Incorporated MA | $561.44 | $221.87 | -60% |
| Bajaj Finance Limited BAJFINANCE | ₹1,093 | ₹397.70 | -64% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,117 | ₹553.83 | -50% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,918 | ₹796.52 | -58% |
| Tata Capital Limited TATACAP | ₹367.05 | ₹149.40 | -59% |
| Power Finance Corporation PFC | ₹376.50 | ₹615.85 | +64% |
| Muthoot Finance Limited MUTHOOTFIN | ₹2,876 | ₹3,429 | +19% |
| Indian Railway Finance Corporation IRFC | ₹88.35 | ₹69.72 | -21% |
| REC Limited RECLTD | ₹346.00 | ₹692.00 | +100% |
Compare Apple Finance Limited with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
Frequently asked questions
Is Apple Finance Limited (500014) overvalued or undervalued?
What is the fair value of 500014?
What is the quality score of 500014?
What is the revenue of Apple Finance Limited (500014)?
What is the net profit margin of 500014?
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.
Track Apple Finance Limited and try Pro for 14 days
One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.
Zero risk: nothing is ever charged. After 14 days you decide whether to stay.