Sainik Finance & Industries Limited (530265) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Sainik Finance & Industries Limited ₹49.77, price ₹38.79, upside +28.3%, quality 50 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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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 Sep 24, 2026.
How to read this chart
60‑month range ₹16.55 – ₹60.16 · fair‑value band ₹31.03 – ₹62.22 · the ₹38.79 price screens below the ₹49.77 fair value. Dashed = 300-day average. As of Sep 24, 2026.
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Sainik Finance & Industries Limited, a non-banking finance company, engages in the investment and finance business activities in India. It also offers loans. The company was formerly known as Garuda Clays Limited and changed its name to Sainik Finance & Industries Limited in April 2000.
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Sainik Finance & Industries Limited, a non-banking finance company, engages in the investment and finance business activities in India. It also offers loans. The company was formerly known as Garuda Clays Limited and changed its name to Sainik Finance & Industries Limited in April 2000. Sainik Finance & Industries Limited was incorporated in 1991 and is based in Gurgaon, India.
Stock analysis
Sainik Finance & Industries Limited (530265) currently trades at ₹38.79, while our model-based Fair Value estimate is ₹49.77, implying the stock looks roughly 22.1% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of ₹49.77 per share, and 4 of the 6 models we run sit above the ₹38.79 price.
Bear case: the Earnings-Based group reads lowest at ₹27.18, and 2 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: ₹31.03 (bear) to ₹62.22 (bull), the price of ₹38.79 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 50/100 (below-average quality), in the Financials sector.
Weak Growth: Growth has flattened: the last year, three and five years all grew more slowly than the long-term average.
Sainik Finance & Industries Limited reported revenue of ₹169M in FY2026 versus ₹156M in FY2022, a compound +2.0%/yr. Reported net income was ₹41.7M in FY2026.
Key figures
Market cap ₹210M (≈ $2.2M) · P/E ratio 4.9 · P/S ratio 1.22 · EPS (TTM) ₹3.73 · Net margin 24.7% · Return on equity 16.0% · Return on assets (EBIT) 7.3% · Operating margin 84.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 22% below its 52-week high and 19% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financials peers we cover trades at 11% fair-value upside, at 28%, 530265 screens cheaper than that median.
Fair Value models
Bear ₹31.03Fair Value ₹49.77Bull ₹62.22
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 6 months old). Earnings retained since then (₹1.90 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.Evidence ⓘEvidence = 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.30/100
Growth has flattened: the last year, three and five years all grew more slowly than the long-term average.
Revenue growth 1 year
+1.3%
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.
−2.2%
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.
−4.1%
Start year 2021 (pandemic). Over 10 years: +6.3% 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.
+16.0%
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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.
+0.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+0.5%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.0.5% vs 12.9%, slowing
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.54% → 26%
Start year 2021 (pandemic)
⚠ Revenue per share shrinking 6.0%/yr over ~7Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Compare Sainik Finance & Industries Limited with another stock
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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 “Specialty Finance” was too small, so the broader sector is used.)Financials · 3229 stocks
Beats the sector median on 9/12 measures
Overall it ranks above its sector peers.
Valuation
Quality Score51 · Below median
Fair Value upside+10.9% · Above median
Profitability
Return on equity (TTM)16.0% · Top 25%
Return on assets3.1% · Above median
Net margin (TTM)56.9% · Top 25%
Operating margin (TTM)84.0% · Top 25%
Growth and dividend
Revenue growth125.6% · Top 25%
Dividend yield (TTM)0.0% · Bottom 25%
Balance sheet
Debt / equity1.76× · Highest 25%
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.
Is Sainik Finance & Industries Limited (530265) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of ₹49.77 versus a price of ₹38.79, about +28% upside (undervalued).
What is the fair value of 530265?
Our model-based fair value for Sainik Finance & Industries Limited is ₹49.77 (as of Sep 24, 2026), built from audited fundamentals. The current price: ₹38.79.
What is the quality score of 530265?
Sainik Finance & Industries Limited has a Quality Score of 50/100. 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 Sainik Finance & Industries Limited (530265)?
Our model-based price target is the fair value of ₹49.77 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario ₹31.03, optimistic scenario ₹62.22. It is a calculation from audited fundamentals, not an analyst target.
What is the Sainik Finance & Industries Limited stock forecast for 2026?
Our models put fair value at ₹49.77, about +28% upside versus a price of ₹38.79 (undervalued). Cautious scenario ₹31.03, optimistic scenario ₹62.22. The calculation is refreshed regularly with new filings.
What is the revenue of Sainik Finance & Industries Limited (530265)?
Sainik Finance & Industries Limited reported trailing-twelve-month revenue of about ₹133M (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Sainik Finance & Industries Limited (530265)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Sainik Finance & Industries Limited it is ₹49.77 per share (as of Sep 24, 2026), against a price of ₹38.79. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Sainik Finance & Industries Limited stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 530265 trades below its calculated fair value: price ₹38.79, fair value ₹49.77, a gap of about +28% (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 530265?
No. The price is what the market pays today (₹38.79); the fair value is what the company's own numbers justify (₹49.77). For Sainik Finance & Industries Limited the two are ₹10.98 per share apart. That gap is exactly why we show both numbers side by side.
How much is Sainik Finance & Industries Limited worth?
The market values Sainik Finance & Industries Limited at about ₹210M (market capitalisation, as of Sep 24, 2026). Per share that is ₹38.79; our models calculate a fair value of ₹49.77 per share.
What do the bullish and bearish scenarios say about 530265?
Our models span a range for Sainik Finance & Industries Limited: cautious scenario ₹31.03, base ₹49.77, optimistic ₹62.22 per share (as of Sep 24, 2026, price ₹38.79). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 530265?
Sainik Finance & Industries Limited trades at a price-to-earnings ratio of 4.9 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹49.77 is built from several models across several years. Other multiples: P/B 0.4, P/S 1.6.
How solid is the balance sheet of Sainik Finance & Industries Limited (530265)?
Balance-sheet figures for Sainik Finance & Industries Limited (as of Sep 24, 2026): return on equity 16.0%, debt of 1.76 per unit of equity. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is 530265 from its 52-week high?
Sainik Finance & Industries Limited trades at ₹38.79, about 22% below its 52-week high of ₹50.00 and 19% above the low of ₹32.51 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹49.77 is for.
Which stocks are comparable to Sainik Finance & Industries Limited?
From the same area (Financials) we also value SAINIK, Federal Home Loan Mortgage Corporation, CGABL, BOCHGR, 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 Sainik Finance & Industries Limited stock attractive at the current price?
The data as of Sep 24, 2026: price ₹38.79, calculated fair value ₹49.77 (+28%), Quality Score 50/100, from 6 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 530265 calculated?
We run Sainik Finance & Industries Limited through 6 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 ₹49.77, 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 14.5 % above its aggregate fair value. Sainik Finance & Industries Limited currently trades 22 % 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 Sainik Finance & Industries Limited (530265)?
The closing price on Oct 1, 2026 was ₹38.79. Our model-based fair value is ₹49.77, about +28% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Sainik Finance & Industries Limited right now?
Solid quality (50/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (₹31.03 to ₹62.22) leaves room in how you read the outcome. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. 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 Sainik Finance & Industries Limited
How large is the market capitalisation of Sainik Finance & Industries Limited (530265)?
The market capitalisation of Sainik Finance & Industries Limited is ₹210M (≈ $2.2M). 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 Sainik Finance & Industries Limited (530265)?
The price-to-sales ratio of Sainik Finance & Industries Limited is 1.22 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Sainik Finance & Industries Limited (530265)?
Earnings per share at Sainik Finance & Industries Limited are ₹3.73 (price ÷ EPS = P/E 4.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Sainik Finance & Industries Limited (530265)?
The net margin of Sainik Finance & Industries Limited is 24.7% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Sainik Finance & Industries Limited (530265)?
The return on equity (ROE) of Sainik Finance & Industries Limited is 16.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Sainik Finance & Industries Limited (530265)?
On an EBIT basis the return on assets of Sainik Finance & Industries Limited is 7.3% (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 Sainik Finance & Industries Limited (530265)?
The operating margin of Sainik Finance & Industries Limited is 84.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Sainik Finance & Industries Limited (530265)?
Revenue at Sainik Finance & Industries Limited is growing +126% versus a year earlier (3y avg −2.2%). 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 Sainik Finance & Industries Limited (530265)?
Earnings per share at Sainik Finance & Industries Limited are growing −11.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Sainik Finance & Industries Limited (530265) generate?
The free cash flow of Sainik Finance & Industries Limited is −₹253M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Sainik Finance & Industries Limited (530265) carry?
The net debt of Sainik Finance & Industries Limited is ₹1.0B (fiscal year 2026). 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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