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Mansi Finance (Chennai) Limited (511758) Fair Value & Analysis

Financial · IN · Market cap ₹94.0M

MF Mansi Finance (Chennai) Limited 511758 · BSE
Price₹60.60
Fair Value₹71.93
Upside+18.7%
Quality63/100
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Healthy Growth
Highly profitable · 45.5% net margin
Low debt · generates free cash flow
Ranks above peers (8/13)
Wide moat 100/100
Evidence: High Range ₹71.93 – ₹71.93 Share as image

Fair value as of: Aug 13, 2026

From 11 valuation models · updated 5 days ago

A solid business, screening 19% undervalued on our models.

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What matters now

  • The price is below even our cautious bear case (₹71.93). The market is more pessimistic than our downside scenario.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
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Price vs Fair Value (5 years)

₹127.10 ₹15.85 Fair Value ₹71.93 Jan 2019 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.

How to read this chart

60‑month range ₹15.85 – ₹127.10 · the ₹60.60 price screens below the ₹71.93 fair value. Dashed = 300-day average. As of Aug 13, 2026.

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Analysis

Mansi Finance (Chennai) Limited (511758) currently trades at ₹60.60, while our model-based Fair Value estimate is ₹71.93, implying the stock looks roughly 18.7% undervalued today. The Quality Score stands at 63/100 (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, Mansi Finance (Chennai) Limited generated revenue of ₹27.5M at a net margin of 45.5%. Revenue declined 67.3% year over year. Net debt stands at ₹170M. The stock trades on a trailing P/E of 5.9 (as of Jul 4, 2026). Fundamentals as of Aug 13, 2026

The share trades about 46% below its 52-week high and 11% 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 19%, 511758 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.

Model 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. Evidence
Highest evidence
Growth DCF ₹8.77 ₹37.38 ₹75.13 80
Rev-Margin DCF ₹25.53 ₹60.69 74
P/E Multiple ₹90.17 ₹120.22 ₹150.28 63
All 11 models by family
DCF Models
Owner Earnings ₹20.31 ₹59.30 ₹114.58 31
5Y P/E Exit ₹23.58 ₹77.53 ₹138.53 38
10Y P/E Exit ₹16.58 ₹58.71 ₹117.05 35
Earnings-Based
Graham-Dodd ₹62.89 ₹282.31 ₹386.94 54
Lynch FV ₹73.54 ₹105.06 ₹136.58 50
Multiples
P/E Multiple ₹90.17 ₹120.22 ₹150.28 63
P/B Multiple ₹117.91 ₹157.22 ₹196.52 55
Asset-Based
NCAV (Graham) ₹57.77 ₹77.41 ₹115.54 50
Growth DCF
Growth DCF ₹8.77 ₹37.38 ₹75.13 80
Rev-Margin DCF ₹25.53 ₹60.69 74
Economic Profit
Residual Income ₹86.43 ₹88.87 ₹88.34 61

Widest divergence: Multiples (₹120.22) versus Growth DCF (₹25.53). Highest evidence: Growth DCF (80).

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Key figures & financial health

Revenue (TTM) ₹27.5M
Revenue growth (YoY) -67.3%
Net margin 45.5%
Free cash flow ₹22.2M FY2026
P/E ratio 5.9 as of Jul 4, 2026
Operating margin 52.4%
More key figures
EPS (TTM) ₹3.54
EPS growth (YoY) -77.8%
Net debt ₹170M FY2026

Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 63/100

Of which business quality 55 · Market factors (momentum, volatility) 12

Profitability 41
Margins and returns on capital today
Quality Growth 22
Are margins and returns improving?
Cashflow 71
Earnings quality: real cash, not paper profit
Fin. Strength 48
Balance sheet, leverage, solvency risk
Investment 75
Disciplined investing over empire-building
Low Volatility 0
Calm price path (market factor)
Momentum 21
Price trend over the last 3–12 months (market factor)
52W Momentum 13
Distance to the 52-week high (market factor)
Net Issuance 82
Buybacks instead of dilution

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

Mansi Finance (Chennai) Limited, a non-banking financial company, engages in the financing business in India. The company was founded in 1994 and is based in Chennai, India.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

Mansi Finance (Chennai) Limited reported revenue of ₹99.6M in FY2026 versus ₹54.6M in FY2022, a compound +16.2%/yr. Reported net income was ₹32.7M in FY2026, compounding +49.8%/yr from FY2022.

Growth Quality 82/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Latest Revenue (FY 2026)
₹99.6M
Avg. growth/yr (3Y) 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.
+29.6%
Avg. growth/yr (5Y) 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.
+8.3%
Avg. growth/yr (11Y) 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.
+14.1%
Revenue +16.2%/yr
FY22 ₹54.6M
FY23 ₹64.3M
FY24 ₹71.7M
FY25 ₹119M
FY26 ₹99.6M
Net income +49.8%/yr
FY22 ₹6.5M
FY23 ₹20.0M
FY24 ₹20.7M
FY25 ₹29.8M
FY26 ₹32.7M

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Cite: Fair Value Calculator (2026). "Mansi Finance (Chennai) Limited Fair Value". https://www.fairvalue-calculator.com/stock/511758

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.

Quality Score 62 · Top 25%
Fair Value upside +19% · Above median
Return on assets 0% · Bottom 25%
Net margin (TTM) 46% · Top 25%
Operating margin (TTM) 52% · Above median
Revenue growth -67% · Bottom 25%
Dividend yield (TTM) 0.0% · Bottom 25%
Debt / equity 0.47× · Lower than median

Valuation Multiples vs Credit Services median · lower = cheaper

P/E (TTM) 5.9× · Cheaper than 75% of peers
P/B 0.23× · Cheaper than 75% of peers
P/S (TTM) 3.42× · Pricier than median
P/FCF 0.0× · Cheaper than 75% of peers

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.

VALUE 58 · sector 33
FUTURE 0 · sector 39
PAST 0 · sector 32
HEALTH 77 · sector 59
DIVIDEND 0 · sector 58

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

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 13, 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%

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Frequently asked questions

Is Mansi Finance (Chennai) Limited (511758) overvalued or undervalued?
As of Aug 13, 2026, our model estimates a fair value of ₹71.93 versus a price of ₹60.60, about +19% (undervalued).
What is the fair value of 511758?
Our model-based fair value for Mansi Finance (Chennai) Limited is ₹71.93 (as of Aug 13, 2026), built from audited fundamentals. The current price is ₹60.60.
What is the quality score of 511758?
Mansi Finance (Chennai) Limited has a Quality Score of 63/100. 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 revenue of Mansi Finance (Chennai) Limited (511758)?
Mansi Finance (Chennai) Limited reported trailing-twelve-month revenue of about ₹27.5M (latest available figure, as of Aug 13, 2026).
What is the net profit margin of 511758?
The net profit margin of Mansi Finance (Chennai) Limited is about 45.5%, meaning it keeps roughly 45.5% of revenue as net income. Based on the latest reported figures.

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.

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