Ashirwad Capital Limited (512247) fair value: what the stock is really worth
As of Oct 23, 2026: fair value (intrinsic value) of Ashirwad Capital Limited stock ₹3.37, price ₹2.35, upside +43.4%, quality 57 out of 100. Rating: undervalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Fair value above price?Yes
Good quality?Yes
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 21, 2026.
How to read this chart
60‑month range ₹1.69 – ₹6.22 · fair‑value band ₹2.10 – ₹3.67 · the ₹2.35 price screens below the ₹3.37 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 21, 2026.
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Ashirwad Capital Limited, a non-banking finance company, engages in the investment and lending business in India. It acquires shares and securities. The company was incorporated in 1985 and is based in Mumbai, India.
Stock analysis
Ashirwad Capital Limited (512247) currently trades at ₹2.35, while our model-based Fair Value estimate is ₹3.37, implying the stock looks roughly 30.3% undervalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of ₹6.80 per share, and 8 of the 12 models we run sit above the ₹2.35 price.
Bear case: the Dividend Discount group reads lowest at ₹1.17, and 4 of the 12 models stay below the price. Data coverage for this calculation is low.
Scenario range: ₹2.10 (bear) to ₹3.67 (bull), the price of ₹2.35 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 57/100 (solid quality), in the Financial sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Ashirwad Capital Limited reported revenue of ₹14.5M in FY2026 versus ₹10.9M in FY2022, a compound +7.4%/yr. Reported net income was ₹10.4M in FY2026, compounding +1.1%/yr from FY2022.
Key figures
Market cap ₹80.0M (≈ $843K) Micro · P/E ratio 15.5 · P/S ratio 12.6 · EPS (TTM) ₹0.1080 · Dividend yield 1.7% · Net margin 70.2% · Return on assets (EBIT) 5.9% · Operating margin 81.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 72 out of 100 (low confidence).
What moves the price
The share trades about 28% below its 52-week high and 1% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial peers we cover trades at −2% fair-value upside, at 43%, 512247 screens cheaper than that median.
Fair Value models
Bear₹2.10Fair Value ₹3.37Bull₹3.67
Price ₹2.35 · Upside +43.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then (₹0.0389 per share) are deliberately not added.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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+40.4%
Revenue growth 3 years ⓘ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. Per-share growth (which does include buybacks) is in the value-creation card.
+23.9%
Revenue growth 5 years ⓘ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. Per-share growth (which does include buybacks) is in the value-creation card.
+18.6%
Start year 2021 (pandemic). Over 10 years: +13.1% a year
Revenue growth 12 years ⓘ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. Per-share growth (which does include buybacks) is in the value-creation card.
+11.5%
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What shareholders gained per year (last 5 years), in INR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+5.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+3.7%
Dividend (yield on the price)1.7%
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.84% → 84%
Growth Forecast
A lot of optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
more than +80 %
Yearly growth needed for the next five years to justify today's price.
Compare Ashirwad Capital Limited with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Investment Brokerage - National” was too small, so the broader sector is used.)Financials · 3167 stocks
Beats the sector median on 7/12 measures
A mixed picture versus its sector peers.
Valuation
Quality Score57 · Above median
Fair Value upside+43.4% · Above median
Profitability
Return on assets4.7% · Top 25%
Net margin (12 months)70.2% · Top 25%
Operating margin (12 months)81.1% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)101.4% · Top 25%
Dividend yield (12 months)1.7% · Below median
Valuation Multiplesvs Financials median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Ashirwad Capital Limited Fair Value". https://www.fairvalue-calculator.com/stock/512247
Frequently asked questions
Is Ashirwad Capital Limited (512247) overvalued or undervalued?
As of Oct 21, 2026, our model estimates a fair value of ₹3.37 versus a price of ₹2.35, about +43% upside (undervalued).
What is the fair value of 512247?
Our model-based fair value for Ashirwad Capital Limited is ₹3.37 (as of Oct 21, 2026), built from audited fundamentals. The current price: ₹2.35.
What is the quality score of 512247?
Ashirwad Capital Limited has a Quality Score of 57/100. 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 price target for Ashirwad Capital Limited (512247)?
Our model-based price target is the fair value of ₹3.37 (as of Oct 21, 2026) from 12 valuation models. Cautious scenario ₹2.10, optimistic scenario ₹3.67. It is a calculation from audited fundamentals, not an analyst target.
What is the Ashirwad Capital Limited stock forecast for 2026?
Our models put fair value at ₹3.37, about +43% upside versus a price of ₹2.35 (undervalued). Cautious scenario ₹2.10, optimistic scenario ₹3.67. The calculation is refreshed regularly with new filings.
What is the revenue of Ashirwad Capital Limited (512247)?
Ashirwad Capital Limited reported trailing-twelve-month revenue of about ₹6.3M (latest available figure, as of Oct 21, 2026).
Does Ashirwad Capital Limited pay a dividend?
Ashirwad Capital Limited currently shows a dividend yield of 1.70% relative to its recent price (as of Oct 21, 2026).
What growth is priced into Ashirwad Capital Limited (512247)?
For today's price to be fair in a discounted-cash-flow model, Ashirwad Capital Limited would have to grow free cash flow by more than 80 % per year for five years (discount rate 10.9 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +18.6 % per year. As of Oct 21, 2026.
What discount rate (WACC) does the fair value of 512247 use?
Our models discount Ashirwad Capital Limited at 10.9 %: a base by market capitalisation (nano), damped by beta 0.15, country premium for India. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Ashirwad Capital Limited that is more than 80 % per year a year over ten years, using the same discount rate (10.9 %) and the same formula as our fair value.
How much growth has Ashirwad Capital Limited (512247) delivered so far?
Over the past 5 years revenue at Ashirwad Capital Limited grew +18.6 % a year. The price currently implies more than 80 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Ashirwad Capital Limited (512247) growing?
The median revenue growth in the sector is +9.1 % a year. That is the yardstick for the growth priced into Ashirwad Capital Limited (more than 80 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Ashirwad Capital Limited (512247)?
The free-cash-flow yield on the price is 0.22 %: that much free cash flow Ashirwad Capital Limited produces per unit of market value. When it exceeds the discount rate of our models (10.9 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Ashirwad Capital Limited (512247)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Ashirwad Capital Limited it is ₹3.37 per share (as of Oct 21, 2026), against a price of ₹2.35. It is the blended result of 12 valuation models (cash flow, earnings, asset, dividend).
Is Ashirwad Capital Limited stock overvalued or undervalued in 2026?
As of Oct 21, 2026, 512247 trades below its calculated fair value: price ₹2.35, fair value ₹3.37, a gap of about +43% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 512247?
No. The price is what the market pays today (₹2.35); the fair value is what the company's own numbers justify (₹3.37). For Ashirwad Capital Limited the two are ₹1.02 per share apart. That gap is exactly why we show both numbers side by side.
How much is Ashirwad Capital Limited worth?
The market values Ashirwad Capital Limited at about ₹80.0M (market capitalisation, as of Oct 21, 2026). Per share that is ₹2.35; our models calculate a fair value of ₹3.37 per share.
What do the bullish and bearish scenarios say about 512247?
Our models span a range for Ashirwad Capital Limited: cautious scenario ₹2.10, base ₹3.37, optimistic ₹3.67 per share (as of Oct 21, 2026, price ₹2.35). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 512247?
Ashirwad Capital Limited trades at a price-to-earnings ratio of 15.5 (as of Oct 21, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹3.37 is built from several models across several years. Median P/E at fiscal year-end, 7 fiscal years (2020 to 2026), reported earnings: 42.4. Other multiples: P/B 0.4, P/S 12.6, EV/EBITDA 15.3.
How far is 512247 from its 52-week high?
Ashirwad Capital Limited trades at ₹2.35, about 28% below its 52-week high of ₹3.28 and 1% above the low of ₹2.33 (as of Oct 23, 2026). Distance from the high says nothing about value: that is what the fair value of ₹3.37 is for.
Which stocks are comparable to Ashirwad Capital Limited?
From the same area (Financial) we also value PROFINC, GARNETINT, IndiaNivesh Limited, BNRSEC, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Ashirwad Capital Limited stock attractive at the current price?
The data as of Oct 21, 2026: price ₹2.35, calculated fair value ₹3.37 (+43%), Quality Score 57/100, from 12 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 512247 calculated?
We run Ashirwad Capital Limited through 12 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹3.37, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 12.5 % above its aggregate fair value. Ashirwad Capital Limited currently trades 30 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Ashirwad Capital Limited (512247)?
The closing price on Oct 23, 2026 was ₹2.35. Our model-based fair value is ₹3.37, about +43% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Ashirwad Capital Limited right now?
The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (57/100) 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.
Key figures of Ashirwad Capital Limited
How large is the market capitalisation of Ashirwad Capital Limited (512247)?
The market capitalisation of Ashirwad Capital Limited is ₹80.0M (≈ $843K). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Ashirwad Capital Limited (512247)?
The price-to-sales ratio of Ashirwad Capital Limited is 12.6 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Ashirwad Capital Limited (512247)?
Earnings per share at Ashirwad Capital Limited are ₹0.1080 (price ÷ EPS = P/E 15.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Ashirwad Capital Limited (512247)?
The dividend yield of Ashirwad Capital Limited is 1.7% (payout 37.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Ashirwad Capital Limited (512247)?
The net margin of Ashirwad Capital Limited is 70.2% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of Ashirwad Capital Limited (512247)?
On an EBIT basis the return on assets of Ashirwad Capital Limited is 5.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Ashirwad Capital Limited (512247)?
The operating margin of Ashirwad Capital Limited is 81.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Ashirwad Capital Limited (512247)?
Revenue at Ashirwad Capital Limited is growing +101% versus a year earlier (3y avg +23.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Ashirwad Capital Limited (512247)?
Earnings per share at Ashirwad Capital Limited are growing +133% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Ashirwad Capital Limited (512247) carry?
The net debt of Ashirwad Capital Limited is ₹29.3M (fiscal year 2026, ≈ 64.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Thin data
Oct 21, 2026