Prithvi Exchange (India) Limited (531688) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Prithvi Exchange (India) Limited ₹200, price ₹107, upside +87.7%, quality 47 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 ₹16.63 – ₹464.31 · fair‑value band ₹153.77 – ₹200.20 · the ₹106.65 price screens below the ₹200.20 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Prithvi Exchange (India) Limited engages in money exchange business in India. The company?s products and services include foreign currency drafts; outward remittances through DD, TT, and swift transfers; and the import and export of foreign currencies, as well as handling inward money transfer through various channels.
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Prithvi Exchange (India) Limited engages in money exchange business in India. The company?s products and services include foreign currency drafts; outward remittances through DD, TT, and swift transfers; and the import and export of foreign currencies, as well as handling inward money transfer through various channels. It also deals in travellers cheque; and offers travel insurance, international SIM cards, prepaid foreign currency cards, and cash against international credit cards. In addition, the company acts as an agent to receive money transfer through Western Union Money Transfer, Money Gram, and Xpress Money. It serves customers through 16 branches located in the states of Tamil Nadu, Karnataka, Andhra Pradesh, Gujarat, and Maharashtra. The company was formerly known as Prithvi Softech Limited and changed its name to Prithvi Exchange (India) Limited in December 2016. Prithvi Exchange (India) Limited was incorporated in 1995 and is based in Chennai, India.
Stock analysis
Prithvi Exchange (India) Limited (531688) currently trades at ₹106.65, while our model-based Fair Value estimate is ₹200.20, implying the stock looks roughly 46.7% undervalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of ₹569.03 per share, and 9 of the 9 models we run sit above the ₹106.65 price.
Bear case: the Dividend Discount group reads lowest at ₹192.94, and 0 of the 9 models stay below the price. Evidence for this calculation is low.
Scenario range: ₹153.77 (bear) to ₹200.20 (bull), the price of ₹106.65 sits below 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 47/100 (below-average quality), in the Financials sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Prithvi Exchange (India) Limited reported revenue of ₹37.2B in FY2026 versus ₹15.2B in FY2022, a compound +25.1%/yr. Reported net income was ₹26.3M in FY2026, compounding +139.9%/yr from FY2022. FY2022 was a trough year, so the rate overstates the trend.
Key figures
Market cap ₹172M (≈ $1.8M) · P/E ratio 8.9 · EPS (TTM) ₹2.35 · Dividend yield 12.0% · Net margin 0.1% · Return on assets (EBIT) 11.3% · Free cash flow −₹29.4M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).
What moves the price
The share trades about 21% below its 52-week high and 14% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financials peers we cover trades at 64% fair-value upside, at 88%, 531688 screens cheaper than that median.
Fair Value models
Bear ₹153.77Fair Value ₹200.20Bull ₹200.20
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 (₹1.20 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.58/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+5.5%
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.
+6.8%
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.
+37.5%
Start year 2021 (pandemic). Over 10 years: +84.4% 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.
+66.6%
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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.
+31.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+19.7%
Dividend (yield on the price)12.0%
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.19.7% vs 2.2%, picking up
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.0% → 0%
Compare Prithvi Exchange (India) 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 “Specialized Finance” was too small, so the broader sector is used.)Financials · 3112 stocks
Beats the sector median on 2/8 measures
Overall it trails its sector peers.
Valuation
Quality Score47 · Below median
Fair Value upside−40.3% · Bottom 25%
Profitability
Return on assets0.0% · Bottom 25%
Net margin (TTM)0.1% · Bottom 25%
Operating margin (TTM)0.0% · Bottom 25%
Growth and dividend
Revenue growth0.0% · Below median
Dividend yield (TTM)12.0% · Top 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 Prithvi Exchange (India) Limited (531688) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of ₹200.20 versus a price of ₹106.65, about +88% upside (undervalued).
What is the fair value of 531688?
Our model-based fair value for Prithvi Exchange (India) Limited is ₹200.20 (as of Sep 24, 2026), built from audited fundamentals. The current price: ₹106.65.
What is the quality score of 531688?
Prithvi Exchange (India) Limited has a Quality Score of 47/100. 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 Prithvi Exchange (India) Limited (531688)?
Our model-based price target is the fair value of ₹200.20 (as of Sep 24, 2026) from 9 valuation models. Cautious scenario ₹153.77, optimistic scenario ₹200.20. It is a calculation from audited fundamentals, not an analyst target.
What is the Prithvi Exchange (India) Limited stock forecast for 2026?
Our models put fair value at ₹200.20, about +88% upside versus a price of ₹106.65 (undervalued). Cautious scenario ₹153.77, optimistic scenario ₹200.20. The calculation is refreshed regularly with new filings.
Does Prithvi Exchange (India) Limited pay a dividend?
Prithvi Exchange (India) Limited currently shows a dividend yield of about 11.96% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Prithvi Exchange (India) Limited (531688)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Prithvi Exchange (India) Limited it is ₹200.20 per share (as of Sep 24, 2026), against a price of ₹106.65. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is Prithvi Exchange (India) Limited stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 531688 trades below its calculated fair value: price ₹106.65, fair value ₹200.20, a gap of about +88% (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 531688?
No. The price is what the market pays today (₹106.65); the fair value is what the company's own numbers justify (₹200.20). For Prithvi Exchange (India) Limited the two are ₹93.55 per share apart. That gap is exactly why we show both numbers side by side.
How much is Prithvi Exchange (India) Limited worth?
The market values Prithvi Exchange (India) Limited at about ₹172M (market capitalisation, as of Sep 24, 2026). Per share that is ₹106.65; our models calculate a fair value of ₹200.20 per share.
What do the bullish and bearish scenarios say about 531688?
Our models span a range for Prithvi Exchange (India) Limited: cautious scenario ₹153.77, base ₹200.20, optimistic ₹200.20 per share (as of Sep 24, 2026, price ₹106.65). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 531688?
Prithvi Exchange (India) Limited trades at a price-to-earnings ratio of 8.9 (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 ₹200.20 is built from several models across several years.
How far is 531688 from its 52-week high?
Prithvi Exchange (India) Limited trades at ₹106.65, about 21% below its 52-week high of ₹134.80 and 14% above the low of ₹93.63 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹200.20 is for.
Which stocks are comparable to Prithvi Exchange (India) Limited?
From the same area (Financials) we also value DHRUVCA, 540360, FUTSOL, 539217, 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 Prithvi Exchange (India) Limited stock attractive at the current price?
The data as of Sep 24, 2026: price ₹106.65, calculated fair value ₹200.20 (+88%), Quality Score 47/100, from 9 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 531688 calculated?
We run Prithvi Exchange (India) Limited through 9 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 ₹200.20, 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. Prithvi Exchange (India) Limited currently trades 47 % 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 Prithvi Exchange (India) Limited (531688)?
The closing price on Oct 1, 2026 was ₹106.65. Our model-based fair value is ₹200.20, about +88% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Prithvi Exchange (India) Limited right now?
The price is below even our cautious bear case (₹153.77). The market is more pessimistic than our downside scenario. 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 (47/100) 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 Prithvi Exchange (India) Limited
How large is the market capitalisation of Prithvi Exchange (India) Limited (531688)?
The market capitalisation of Prithvi Exchange (India) Limited is ₹172M (≈ $1.8M). 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 are the earnings per share of Prithvi Exchange (India) Limited (531688)?
Earnings per share at Prithvi Exchange (India) Limited are ₹2.35 (price ÷ EPS = P/E 8.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Prithvi Exchange (India) Limited (531688)?
The dividend yield of Prithvi Exchange (India) Limited is 12.0%. 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 Prithvi Exchange (India) Limited (531688)?
The net margin of Prithvi Exchange (India) Limited is 0.1% (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 Prithvi Exchange (India) Limited (531688)?
On an EBIT basis the return on assets of Prithvi Exchange (India) Limited is 11.3% (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.
How much free cash flow does Prithvi Exchange (India) Limited (531688) generate?
The free cash flow of Prithvi Exchange (India) Limited is −₹29.4M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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