532134 Fair Value & Analysis
Financials · IN · Market cap ₹219B
Fair value as of: Aug 18, 2026
From 6 valuation models · updated 2 days ago
Share price −4.1% over the past month.
A solid business, but screening 23% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (₹234.19). The favourable scenario is already priced in.
- Solid but not exceptional quality (58/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 18, 2026.
How to read this chart
60‑month range ₹54.06 – ₹314.34 · fair‑value band ₹140.52 – ₹234.19 · the ₹244.50 price screens above the ₹187.35 fair value. Dashed = 300-day average. As of Aug 18, 2026.
Analysis
532134 (532134) currently trades at ₹244.50, while our model-based Fair Value estimate is ₹187.35, implying the stock looks roughly 23.4% overvalued today. The Quality Score stands at 58/100 (solid quality), in the Financials 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).
Net debt stands at ₹94.7B. The stock trades on a trailing P/E of 20.6 (as of Aug 18, 2026). Fundamentals as of Aug 18, 2026
Our scenario range runs from ₹140.52 (bear case) to ₹234.19 (bull case); at ₹244.50, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 22% below its 52-week high and 9% above its 52-week low. For context, the median of 10 Financials peers we cover trades at 100% fair-value upside, at -23%, 532134 screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Multiples (₹2,595) versus Dividend Discount (₹830.13). Highest evidence: Residual Income (76).
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Key figures & financial health
Figures from reported company fundamentals · as of Aug 18, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 56 · Market factors (momentum, volatility) 45
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
532134 reported revenue of ₹749B in FY2025 versus ₹484B in FY2021, a compound +11.5%/yr. Reported net income was ₹198B in FY2025, compounding +26.1%/yr from FY2021.
532134 screens 23% overvalued. Compare with Federal Home Loan Mortgage Corporation →
Peer Group
Financials · 3173 stocks
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 “Banking Services” was too small, so the broader sector is used.)
Valuation Multiples vs Financials median · lower = cheaper
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banking Services stocks, each showing price versus our Fair Value estimate (as of Aug 18, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCKK | $13.00 | $26.00 | +100% |
| LTG LTG | 14.88 PHP | 29.76 PHP | +100% |
| 532505 532505 | ₹26.11 | ₹52.22 | +100% |
| 590071 590071 | ₹4,617 | ₹7,978 | +73% |
| 535789 535789 | ₹160.75 | ₹236.63 | +47% |
| 540749 540749 | ₹303.35 | ₹385.27 | +27% |
| Han Kook Capital.Co., Ltd 023760 | 670.00 KRW | 1,340 KRW | +100% |
| 533295 533295 | ₹23.72 | ₹31.35 | +32% |
| Sangsangin Co 038540 | 2,145 KRW | 4,290 KRW | +100% |
| BPC BPC | 0.0850 PLN | 0.0100 PLN | -88% |
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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.
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