Shreevatsaa Finance and Leasing Limited (532007) fair value: what the stock is really worth
As of Oct 22, 2026: fair value (intrinsic value) of Shreevatsaa Finance and Leasing Limited stock ₹19.47, price ₹27.00, upside -27.9%, quality 69 out of 100. Rating: overvalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Fair value above price?No
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 27, 2026.
How to read this chart
60‑month range ₹2.55 – ₹41.98 · fair‑value band ₹14.60 – ₹24.34 · the ₹27.00 price screens above the ₹19.47 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 27, 2026.
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Shreevatsaa Finance and Leasing Limited operates as a non-banking finance company in India. It engages in the purchase and sale of shares, securities, and units; and management of other investment funds.
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The company was formerly known as Swastik Commerce and Finance Private Limited and changed its name to Shreevatsaa Finance & Leasing Limited in 1995. Shreevatsaa Finance and Leasing Limited was incorporated in 1986 and is based in New Delhi, India.
Stock analysis
Shreevatsaa Finance and Leasing Limited (532007) currently trades at ₹27.00, while our model-based Fair Value estimate is ₹19.47, 27.9% below the price, so the stock looks overvalued today.
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Valuation
How firm this estimate is: it rests on 21 models at a data quality of 96/100, which puts the data coverage at low.
Scenario range: ₹14.60 (bear) to ₹24.34 (bull), the price of ₹27.00 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 69/100 (solid quality), in the Financial sector.
Weak Growth: Revenue growth is weak: less than 2 % a year.
Shreevatsaa Finance and Leasing Limited reported revenue of ₹9.5M in FY2026 versus ₹8.8M in FY2022, a compound +2.0%/yr. Reported net income was ₹3.3M in FY2026, compounding −6.2%/yr from FY2022.
Key figures
Market cap ₹273M (≈ $2.9M) Micro · P/E ratio 51.9 · P/S ratio 18.3 · EPS (TTM) ₹0.5507 · Net margin 35.2% · Return on equity 243% · Return on assets (EBIT) 2.2% · Free cash flow ₹3.4M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 70 out of 100 (low confidence).
What moves the price
The share trades about 30% below its 52-week high and 18% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial peers we cover trades at −15% fair-value upside, at −28%, 532007 screens richer than that median.
Fair Value models
Bear₹14.60Fair Value ₹19.47Bull₹24.34
Price ₹27.00 · Upside -27.9%
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 (₹0.3183 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.40/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
+4.3%
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.
+5.6%
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.
−0.2%
Start year 2021 (pandemic)
Revenue growth 9 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.
−5.6%
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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.
−8.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year−8.4%
Dividend (yield on the price)0.0%
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.75% → 47%
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
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).
+40.1%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (India: IMF forecast 4.1% a year to 2030, 4.7% from 2016 to 2025) that is about +34.6% a year for the price.
Compare Shreevatsaa Finance and Leasing 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 industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Asset Management · 667 stocks
Beats the industry median on 4/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score69 · Top 25%
Fair Value upside−27.9% · Bottom 25%
Profitability
Return on equity (12 months)242.7% · Top 25%
Return on assets1.4% · Below median
Net margin (12 months)35.2% · Above median
Operating margin (12 months)0.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)0.0% · Below median
Valuation Multiplesvs Asset Management median · lower = cheaper
P/E (12 months)51.9× · Priciest 25%
Price / free cash flow0.9× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 60
FUTURE (revenue growth)0· sector 38
PAST (return on equity)100· sector 24
HEALTH (low debt)100· sector 95
DIVIDEND (yield)0· sector 82
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). "Shreevatsaa Finance and Leasing Limited Fair Value". https://www.fairvalue-calculator.com/stock/532007
Frequently asked questions
Is Shreevatsaa Finance and Leasing Limited (532007) overvalued or undervalued?
As of Oct 27, 2026, our model estimates a fair value of ₹19.47 versus a price of ₹27.00, about −28% upside (overvalued).
What is the fair value of 532007?
Our model-based fair value for Shreevatsaa Finance and Leasing Limited is ₹19.47 (as of Oct 27, 2026), built from audited fundamentals. The current price: ₹27.00.
What is the quality score of 532007?
Shreevatsaa Finance and Leasing Limited has a Quality Score of 69/100. 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 Shreevatsaa Finance and Leasing Limited (532007)?
Our model-based price target is the fair value of ₹19.47 (as of Oct 27, 2026) from 2 valuation models. Cautious scenario ₹14.60, optimistic scenario ₹24.34. It is a calculation from audited fundamentals, not an analyst target.
What is the Shreevatsaa Finance and Leasing Limited stock forecast for 2026?
Our models put fair value at ₹19.47, about −28% upside versus a price of ₹27.00 (overvalued). Cautious scenario ₹14.60, optimistic scenario ₹24.34. The calculation is refreshed regularly with new filings.
What growth is priced into Shreevatsaa Finance and Leasing Limited (532007)?
For today's price to be fair in a discounted-cash-flow model, Shreevatsaa Finance and Leasing Limited would have to grow free cash flow by +40.1 % 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 -0.2 % per year. As of Oct 27, 2026.
What discount rate (WACC) does the fair value of 532007 use?
Our models discount Shreevatsaa Finance and Leasing Limited at 10.9 %: a base by market capitalisation (nano), damped by beta 0.17, 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 Shreevatsaa Finance and Leasing Limited that is +40.1 % 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 Shreevatsaa Finance and Leasing Limited (532007) delivered so far?
Over the past 5 years revenue at Shreevatsaa Finance and Leasing Limited grew -0.2 % a year. The price currently implies +40.1 % 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 Shreevatsaa Finance and Leasing Limited (532007) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into Shreevatsaa Finance and Leasing Limited (+40.1 % 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 Shreevatsaa Finance and Leasing Limited (532007)?
The free-cash-flow yield on the price is 1.23 %: that much free cash flow Shreevatsaa Finance and Leasing 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 Shreevatsaa Finance and Leasing Limited (532007)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Shreevatsaa Finance and Leasing Limited it is ₹19.47 per share (as of Oct 27, 2026), against a price of ₹27.00. It is the blended result of 2 valuation models (cash flow, earnings, asset, dividend).
Is Shreevatsaa Finance and Leasing Limited stock overvalued or undervalued in 2026?
As of Oct 27, 2026, 532007 trades above its calculated fair value: price ₹27.00, fair value ₹19.47, a gap of about −28% (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 532007?
No. The price is what the market pays today (₹27.00); the fair value is what the company's own numbers justify (₹19.47). For Shreevatsaa Finance and Leasing Limited the two are ₹7.53 per share apart. That gap is exactly why we show both numbers side by side.
How much is Shreevatsaa Finance and Leasing Limited worth?
The market values Shreevatsaa Finance and Leasing Limited at about ₹273M (market capitalisation, as of Oct 27, 2026). Per share that is ₹27.00; our models calculate a fair value of ₹19.47 per share.
What do the bullish and bearish scenarios say about 532007?
Our models span a range for Shreevatsaa Finance and Leasing Limited: cautious scenario ₹14.60, base ₹19.47, optimistic ₹24.34 per share (as of Oct 27, 2026, price ₹27.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 532007?
Shreevatsaa Finance and Leasing Limited trades at a price-to-earnings ratio of 51.9 (as of Oct 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹19.47 is built from several models across several years.
How solid is the balance sheet of Shreevatsaa Finance and Leasing Limited (532007)?
Balance-sheet figures for Shreevatsaa Finance and Leasing Limited (as of Oct 27, 2026): return on equity 242.7%. They feed the Quality Score of 69/100, which measures business quality independently of the share price.
How far is 532007 from its 52-week high?
Shreevatsaa Finance and Leasing Limited trades at ₹27.00, about 30% below its 52-week high of ₹38.48 and 18% above the low of ₹22.91 (as of Oct 22, 2026). Distance from the high says nothing about value: that is what the fair value of ₹19.47 is for.
Which stocks are comparable to Shreevatsaa Finance and Leasing Limited?
From the same area (Financial) we also value Blackstone Inc, Brookfield Corporation, KKR & Co, Apollo Global Management, Inc, 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 Shreevatsaa Finance and Leasing Limited stock attractive at the current price?
The data as of Oct 27, 2026: price ₹27.00, calculated fair value ₹19.47 (−28%), Quality Score 69/100, from 2 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 532007 calculated?
We run Shreevatsaa Finance and Leasing Limited through 2 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 ₹19.47, 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 13.2 % above its aggregate fair value. Shreevatsaa Finance and Leasing 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 Shreevatsaa Finance and Leasing Limited (532007)?
The closing price on Oct 22, 2026 was ₹27.00. Our model-based fair value is ₹19.47, about −28% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Shreevatsaa Finance and Leasing Limited right now?
The price sits above even our optimistic bull case (₹24.34). The favourable scenario is already priced in. Solid but not exceptional quality (69/100) and above fair value, neither a clear bargain nor a standout compounder. 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 Shreevatsaa Finance and Leasing Limited
How large is the market capitalisation of Shreevatsaa Finance and Leasing Limited (532007)?
The market capitalisation of Shreevatsaa Finance and Leasing Limited is ₹273M (≈ $2.9M). 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 Shreevatsaa Finance and Leasing Limited (532007)?
The price-to-sales ratio of Shreevatsaa Finance and Leasing Limited is 18.3 (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 Shreevatsaa Finance and Leasing Limited (532007)?
Earnings per share at Shreevatsaa Finance and Leasing Limited are ₹0.5507 (price ÷ EPS = P/E 51.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Shreevatsaa Finance and Leasing Limited (532007)?
The net margin of Shreevatsaa Finance and Leasing Limited is 35.2% (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 Shreevatsaa Finance and Leasing Limited (532007)?
The return on equity (ROE) of Shreevatsaa Finance and Leasing Limited is 243% (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 Shreevatsaa Finance and Leasing Limited (532007)?
On an EBIT basis the return on assets of Shreevatsaa Finance and Leasing Limited is 2.2% (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.
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Oct 27, 2026