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Upasana Finance Limited (511764) Fair Value & Analysis

Other · IN · Market cap ₹85.1M

UF Upasana Finance Limited 511764 · BSE
Price₹35.65
Fair Value₹21.11
Upside-40.8%
Quality47/100
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Evidence: High Range ₹14.81 – ₹27.41

Fair value as of: Jul 4, 2026

From 22 valuation models · updated today

Share price +8.5% over the past month.

Price vs Fair Value (12 months)

₹53.09 ₹29.03 Fair Value ₹21.11 Jul 2025 Jul 2026

12‑month range ₹29.03 – ₹53.09 · fair‑value band ₹14.81 – ₹27.41 · the ₹35.65 price screens above the ₹21.11 fair value. As of Jul 4, 2026.

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Analysis

Upasana Finance Limited (511764) currently trades at ₹35.65, while our model-based Fair Value estimate is ₹21.11 — implying the stock looks roughly 40.8% overvalued today. We read business quality at 47/100 (below-average quality), in the Other sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

Over the trailing twelve months, Upasana Finance Limited generated revenue of ₹6.9M at a net margin of -6.2%. Revenue declined 32.7% year over year. Net debt stands at ₹281M. Fundamentals as of Jul 4, 2026

Key figures & financial health

Revenue (TTM) ₹6.9M
Revenue growth (YoY) -32.7%
Net margin -6.2%
Free cash flow ₹176M FY2026
P/E ratio 210.7
Operating margin 2.3%
More key figures
EPS growth (YoY) -38.1%
Net debt ₹281M FY2026

Figures from reported company fundamentals (EODHD) · as of Jul 4, 2026. TTM = trailing twelve months.

About the company

Upasana Finance Limited, a non-banking financial company, focuses on the recovery of overdue receivables. It offers short and long term financing services to corporate and non-corporate entities. The company was incorporated in 1985 and is based in Chennai, India.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

Upasana Finance Limited reported revenue of ₹172M in FY2026 versus ₹12.6M in FY2022, a compound +92.1%/yr. Reported net income was ₹94.4M in FY2026, compounding +197.8%/yr from FY2022.

Revenue +92.1%/yr
FY22 ₹12.6M
FY23 ₹33.5M
FY24 ₹69.8M
FY25 ₹153M
FY26 ₹172M
Net income +197.8%/yr
FY22 ₹1.2M
FY23 ₹14.5M
FY24 ₹36.0M
FY25 ₹82.8M
FY26 ₹94.4M

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Frequently asked questions

Is Upasana Finance Limited (511764) undervalued?
As of Jul 4, 2026, our model estimates a fair value of ₹21.11 versus a price of ₹35.65 — about −41% (overvalued). Model-based estimate, not financial advice.
What is the fair value of 511764?
Our model-based fair value for Upasana Finance Limited is ₹21.11 (as of Jul 4, 2026), built from audited fundamentals. The current price is ₹35.65.
What is the quality score of 511764?
Upasana Finance Limited has a Quality Score of 47/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of Upasana Finance Limited (511764)?
Upasana Finance Limited reported trailing-twelve-month revenue of about ₹6.9M (latest available figure, as of Jul 4, 2026).
What is the net profit margin of 511764?
The net profit margin of Upasana Finance Limited is about -6.2%, meaning it is currently running at a net loss. 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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.