Capital India Finance Limited (530879) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Capital India Finance Limited ₹15.86, price ₹20.84, upside -23.9%, quality 42 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 ₹14.56 – ₹53.36 · fair‑value band ₹12.81 – ₹20.22 · the ₹20.84 price screens above the ₹15.86 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 2 fiscal years are left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 24, 2026.
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Capital India Finance Limited, a non-banking finance company, engages in investment and financing business in India. The company was formerly known as Bhilwara Tex-Fin Limited and changed its name to Capital India Finance Limited in August 2017. Capital India Finance Limited was incorporated in 1994 and is based in Gurgaon, India.
Stock analysis
Capital India Finance Limited (530879) currently trades at ₹20.84, while our model-based Fair Value estimate is ₹15.86, 23.9% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of ₹42.14 per share, and 3 of the 7 models we run sit above the ₹20.84 price.
Bear case: the Asset-Based group reads lowest at ₹13.96, and 4 of the 7 models stay below the price. Evidence for this calculation is low.
Scenario range: ₹12.81 (bear) to ₹20.22 (bull), the price of ₹20.84 sits above 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 42/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Spin-off in 2025: revenue and profit before it include the divested business. Growth is measured afresh from 2025.
Capital India Finance Limited reported revenue of ₹5.1B in FY2026 versus ₹5.3B in FY2022, a compound −0.8%/yr. Reported net income was ₹389M in FY2026.
Key figures
Market cap ₹8.1B (≈ $84.6M) · P/E ratio 40.1 · P/S ratio 3.04 · EPS (TTM) ₹2.16 · Dividend yield 0.1% · Net margin 7.6% · Return on assets (EBIT) 1.8% · Free cash flow −₹2.6B.
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 46% below its 52-week high and 7% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at −24%, 530879 screens richer than that median.
Fair Value models
Bear ₹12.81Fair Value ₹15.86Bull ₹20.22
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 (₹1.10 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.55/100
Spin-off in 2025: revenue and profit before it include the divested business. Growth is measured afresh from 2025.
What shareholders gained per year (last 5 years), in INR (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. 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.
+18.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+18.7%
Dividend (yield on the price)0.1%
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.7% → −10%
2026 sits 486% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
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Peer Groupⓘ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.Credit Services · 331 stocks
Beats the industry median on 0/9 measures
Overall it trails its industry peers.
Valuation
Quality Score43 · Bottom 25%
Fair Value upside−42.0% · Bottom 25%
Profitability
Return on assets0.0% · Bottom 25%
Net margin (TTM)7.6% · Below median
Operating margin (TTM)0.0% · Bottom 25%
Growth and dividend
Revenue growth0.0% · Below median
Dividend yield (TTM)0.1% · Bottom 25%
Balance sheet
Debt / equity1.38× · Above median
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (TTM)40.1× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 55
FUTURE (revenue growth)0· sector 53
PAST (return on equity)0· sector 32
HEALTH (low debt)31· sector 59
DIVIDEND (yield)2· sector 64
VALUE 0: the price sits above our fair-value range.
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). "Capital India Finance Limited Fair Value". https://www.fairvalue-calculator.com/stock/530879
Frequently asked questions
Is Capital India Finance Limited (530879) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of ₹15.86 versus a price of ₹20.84, about −24% upside (overvalued).
What is the fair value of 530879?
Our model-based fair value for Capital India Finance Limited is ₹15.86 (as of Sep 24, 2026), built from audited fundamentals. The current price: ₹20.84.
What is the quality score of 530879?
Capital India Finance Limited has a Quality Score of 42/100. 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 Capital India Finance Limited (530879)?
Our model-based price target is the fair value of ₹15.86 (as of Sep 24, 2026) from 7 valuation models. Cautious scenario ₹12.81, optimistic scenario ₹20.22. It is a calculation from audited fundamentals, not an analyst target.
What is the Capital India Finance Limited stock forecast for 2026?
Our models put fair value at ₹15.86, about −24% upside versus a price of ₹20.84 (overvalued). Cautious scenario ₹12.81, optimistic scenario ₹20.22. The calculation is refreshed regularly with new filings.
Does Capital India Finance Limited pay a dividend?
Capital India Finance Limited currently shows a dividend yield of about 0.12% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Capital India Finance Limited (530879)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Capital India Finance Limited it is ₹15.86 per share (as of Sep 24, 2026), against a price of ₹20.84. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is Capital India Finance Limited stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 530879 trades above its calculated fair value: price ₹20.84, fair value ₹15.86, a gap of about −24% (overvalued). 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 530879?
No. The price is what the market pays today (₹20.84); the fair value is what the company's own numbers justify (₹15.86). For Capital India Finance Limited the two are ₹4.98 per share apart. That gap is exactly why we show both numbers side by side.
How much is Capital India Finance Limited worth?
The market values Capital India Finance Limited at about ₹8.1B (market capitalisation, as of Sep 24, 2026). Per share that is ₹20.84; our models calculate a fair value of ₹15.86 per share.
What do the bullish and bearish scenarios say about 530879?
Our models span a range for Capital India Finance Limited: cautious scenario ₹12.81, base ₹15.86, optimistic ₹20.22 per share (as of Sep 24, 2026, price ₹20.84). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 530879?
Capital India Finance Limited trades at a price-to-earnings ratio of 40.1 (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 ₹15.86 is built from several models across several years.
How solid is the balance sheet of Capital India Finance Limited (530879)?
Balance-sheet figures for Capital India Finance Limited (as of Sep 24, 2026): debt of 1.38 per unit of equity. They feed the Quality Score of 42/100, which measures business quality independently of the share price.
How far is 530879 from its 52-week high?
Capital India Finance Limited trades at ₹20.84, about 46% below its 52-week high of ₹38.41 and 7% above the low of ₹19.50 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹15.86 is for.
Which stocks are comparable to Capital India Finance Limited?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, 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 Capital India Finance Limited stock attractive at the current price?
The data as of Sep 24, 2026: price ₹20.84, calculated fair value ₹15.86 (−24%), Quality Score 42/100, from 7 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 530879 calculated?
We run Capital India Finance Limited through 7 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 ₹15.86, 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. Capital India Finance Limited itself currently trades above fair value. 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 Capital India Finance Limited (530879)?
The closing price on Oct 1, 2026 was ₹20.84. Our model-based fair value is ₹15.86, about −24% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Capital India Finance Limited right now?
The price sits above even our optimistic bull case (₹20.22). The favourable scenario is already priced in. Weak quality (42/100) and above fair value at the same time, the margin of safety is missing on both counts. 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 Capital India Finance Limited
How large is the market capitalisation of Capital India Finance Limited (530879)?
The market capitalisation of Capital India Finance Limited is ₹8.1B (≈ $84.6M). 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 Capital India Finance Limited (530879)?
The price-to-sales ratio of Capital India Finance Limited is 3.04 (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 Capital India Finance Limited (530879)?
Earnings per share at Capital India Finance Limited are ₹2.16 (price ÷ EPS = P/E 40.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Capital India Finance Limited (530879)?
The dividend yield of Capital India Finance Limited is 0.1% (payout 1.1%). 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 Capital India Finance Limited (530879)?
The net margin of Capital India Finance Limited is 7.6% (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 EBIT return on assets of Capital India Finance Limited (530879)?
On an EBIT basis the return on assets of Capital India Finance Limited is 1.8% (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.
How much free cash flow does Capital India Finance Limited (530879) generate?
The free cash flow of Capital India Finance Limited is −₹2.6B (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 Capital India Finance Limited (530879) carry?
The net debt of Capital India Finance Limited is ₹7.1B (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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