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Upsurge Investment & Finance Ltd (531390) Fair Value & Analysis

Financial · IN · Market cap ₹175M

UI Upsurge Investment & Finance Ltd 531390 · BSE
Price₹68.51
Fair Value₹36.21
Upside-47.1%
Quality31/100
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Evidence: High Range ₹27.16 – ₹45.27

Fair value as of: Jul 4, 2026

From 16 valuation models · updated today

Share price +14.3% over the past month.

Price vs Fair Value (12 months)

₹135.95 ₹57.02 Fair Value ₹36.21 Jul 2025 Jul 2026

12‑month range ₹57.02 – ₹135.95 · fair‑value band ₹27.16 – ₹45.27 · the ₹68.51 price screens above the ₹36.21 fair value. As of Jul 4, 2026.

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Analysis

Upsurge Investment & Finance Ltd (531390) currently trades at ₹68.51, while our model-based Fair Value estimate is ₹36.21 — implying the stock looks roughly 47.1% overvalued today. We read business quality at 31/100 (below-average quality), in the Financial 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, Upsurge Investment & Finance Ltd generated revenue of ₹244M at a net margin of 2.2%. Revenue grew 52.7% year over year. Net debt stands at ₹1.5M. The stock trades on a trailing P/E of 29.9. Fundamentals as of Jul 4, 2026

Key figures & financial health

Revenue (TTM) ₹244M
Revenue growth (YoY) +52.7%
Net margin 2.2%
Free cash flow −₹281M FY2026
P/E ratio 29.9
Operating margin 7.0%
More key figures
EPS (TTM) ₹0.3510
EPS growth (YoY) +69.8%
Net debt ₹1.5M FY2025

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

About the company

Upsurge Investment & Finance Ltd. operates as a non-banking finance company in India. The company primarily engages in the primary and secondary capital market activities. It provides a range of services, including corporate finance, SME finance, real estate mortgage finance, and loans against shares and securities, as well as gold loans. The company was incorporated in 1994 and is based in Mumbai, India.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

Upsurge Investment & Finance Ltd reported revenue of ₹470M in FY2026 versus ₹25.4M in FY2022, a compound +107.5%/yr. Reported net income was ₹32.3M in FY2026, compounding −23.3%/yr from FY2022.

Revenue +107.5%/yr
FY22 ₹25.4M
FY23 ₹26.0M
FY24 ₹110M
FY25 ₹219M
FY26 ₹470M
Net income −23.3%/yr
FY22 ₹93.4M
FY23 ₹5.0M
FY24 ₹113M
FY25 ₹160M
FY26 ₹32.3M

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Frequently asked questions

Is Upsurge Investment & Finance Ltd (531390) undervalued?
As of Jul 4, 2026, our model estimates a fair value of ₹36.21 versus a price of ₹68.51 — about −47% (overvalued). Model-based estimate, not financial advice.
What is the fair value of 531390?
Our model-based fair value for Upsurge Investment & Finance Ltd is ₹36.21 (as of Jul 4, 2026), built from audited fundamentals. The current price is ₹68.51.
What is the quality score of 531390?
Upsurge Investment & Finance Ltd has a Quality Score of 31/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of Upsurge Investment & Finance Ltd (531390)?
Upsurge Investment & Finance Ltd reported trailing-twelve-month revenue of about ₹244M (latest available figure, as of Jul 4, 2026).
What is the net profit margin of 531390?
The net profit margin of Upsurge Investment & Finance Ltd is about 2.2%, meaning it keeps roughly 2.2% 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.

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