Transcorp International Limited (532410) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Transcorp International Limited ₹29.42, price ₹24.34, upside +20.9%, 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 Oct 3, 2026.
How to read this chart
60‑month range ₹7.66 – ₹44.67 · fair‑value band ₹20.38 – ₹41.39 · the ₹24.34 price screens below the ₹29.42 fair value. Dashed = 300-day average. As of Oct 3, 2026.
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Transcorp International Limited engages in the money exchange business in India.
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Transcorp International Limited engages in the money exchange business in India. The company offers domestic and outward money transfer services; and domestic and international air ticketing, passport and visa assistance, hotel booking, railway booking, conference hall booking, travel insurance, and domestic and international tour package services, as well as inbound, outbound, and incentive tour packages. It also provides foreign currency maintenance, travelers cheques, and travel cards; car rental services; prepaid cards; non-life insurance products, such as health, travel, accidental, and motor insurance, as well as insurance of property against fire, burglary, and theft; and SBI kiosk services. In addition, the company offers inward remittance and outward remittance, such as remittance for overseas education, medical treatment abroad, emigration, emigration consultancy fees, and other permissible purposes. Transcorp International Limited was founded in 1994 and is headquartered in Jaipur, India.
Stock analysis
Transcorp International Limited (532410) currently trades at ₹24.34, while our model-based Fair Value estimate is ₹29.42, implying the stock looks roughly 17.3% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of ₹39.98 per share, and 18 of the 23 models we run sit above the ₹24.34 price.
Bear case: the Dividend Discount group reads lowest at ₹4.81, and 5 of the 23 models stay below the price. Evidence for this calculation is low.
Scenario range: ₹20.38 (bear) to ₹41.39 (bull), the price of ₹24.34 sits inside 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 Other sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
Transcorp International Limited reported revenue of ₹8.8B in FY2026 versus ₹23.2B in FY2022, a compound −21.6%/yr. Reported net income was ₹83.9M in FY2026, compounding −4.6%/yr from FY2022.
Key figures
Market cap ₹286M (≈ $3.0M) · P/S ratio 0.02 · EPS (TTM) ₹−3.11 · Dividend yield 5.6% · Net margin 1.0% · Return on equity −18.2% · Return on assets (EBIT) 0.4% · Operating margin −0.5%.
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 22% below its 52-week high and 12% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Other peers we cover trades at −10% fair-value upside, at 21%, 532410 screens cheaper than that median.
Fair Value models
Bear ₹20.38Fair Value ₹29.42Bull ₹41.39
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.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.33/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−38.8%
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.
−32.8%
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.
+2.3%
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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.
≈ +1.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year−3.8%
Dividend (yield on the price)5.6%
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.−3.8% vs 14.8%, slowing
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.−1% → 1%
Start year 2021 (pandemic)
⚠ Approximate: the rate leans on 2026, which sits 1,554% above its own trend.
Growth Forecast
Little optimism in the price
The price assumes less 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).
−11.2%
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 −14.7% a year for the price.
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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.Other · 165 stocks
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Cite: Fair Value Calculator (2026). "Transcorp International Limited Fair Value". https://www.fairvalue-calculator.com/stock/532410
Frequently asked questions
Is Transcorp International Limited (532410) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of ₹29.42 versus a price of ₹24.34, about +21% upside (undervalued).
What is the fair value of 532410?
Our model-based fair value for Transcorp International Limited is ₹29.42 (as of Oct 3, 2026), built from audited fundamentals. The current price: ₹24.34.
What is the quality score of 532410?
Transcorp International 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 Transcorp International Limited (532410)?
Our model-based price target is the fair value of ₹29.42 (as of Oct 3, 2026) from 23 valuation models. Cautious scenario ₹20.38, optimistic scenario ₹41.39. It is a calculation from audited fundamentals, not an analyst target.
What is the Transcorp International Limited stock forecast for 2026?
Our models put fair value at ₹29.42, about +21% upside versus a price of ₹24.34 (undervalued). Cautious scenario ₹20.38, optimistic scenario ₹41.39. The calculation is refreshed regularly with new filings.
What is the revenue of Transcorp International Limited (532410)?
Transcorp International Limited reported trailing-twelve-month revenue of about ₹13.4B (latest available figure, as of Oct 3, 2026).
Does Transcorp International Limited pay a dividend?
Transcorp International Limited currently shows a dividend yield of about 5.58% relative to its recent price (as of Oct 3, 2026).
What growth is priced into Transcorp International Limited (532410)?
For today's price to be fair in a discounted-cash-flow model, Transcorp International Limited would have to grow free cash flow by -11.2 % 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 -0.9 % per year. As of Oct 3, 2026.
What discount rate (WACC) does the fair value of 532410 use?
Our models discount Transcorp International Limited at 10.9 %: a base by market capitalisation (nano), damped by beta 0.50, 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 Transcorp International Limited that is -11.2 % 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 Transcorp International Limited (532410) delivered so far?
Over the past 5 years revenue at Transcorp International Limited grew -0.9 % a year. The price currently implies -11.2 % 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 Transcorp International Limited (532410) growing?
The median revenue growth in the sector is +8.0 % a year. That is the yardstick for the growth priced into Transcorp International Limited (-11.2 % 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 Transcorp International Limited (532410)?
The free-cash-flow yield on the price is 6.59 %: that much free cash flow Transcorp International 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 Transcorp International Limited (532410)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Transcorp International Limited it is ₹29.42 per share (as of Oct 3, 2026), against a price of ₹24.34. It is the blended result of 23 valuation models (cash flow, earnings, asset, dividend).
Is Transcorp International Limited stock overvalued or undervalued in 2026?
As of Oct 3, 2026, 532410 trades below its calculated fair value: price ₹24.34, fair value ₹29.42, a gap of about +21% (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 532410?
No. The price is what the market pays today (₹24.34); the fair value is what the company's own numbers justify (₹29.42). For Transcorp International Limited the two are ₹5.08 per share apart. That gap is exactly why we show both numbers side by side.
How much is Transcorp International Limited worth?
The market values Transcorp International Limited at about ₹286M (market capitalisation, as of Oct 3, 2026). Per share that is ₹24.34; our models calculate a fair value of ₹29.42 per share.
What do the bullish and bearish scenarios say about 532410?
Our models span a range for Transcorp International Limited: cautious scenario ₹20.38, base ₹29.42, optimistic ₹41.39 per share (as of Oct 3, 2026, price ₹24.34). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Transcorp International Limited (532410)?
Balance-sheet figures for Transcorp International Limited (as of Oct 3, 2026): return on equity −18.2%, debt of 0.01 per unit of equity. They feed the Quality Score of 47/100, which measures business quality independently of the share price.
How far is 532410 from its 52-week high?
Transcorp International Limited trades at ₹24.34, about 22% below its 52-week high of ₹31.33 and 12% above the low of ₹21.69 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹29.42 is for.
Which stocks are comparable to Transcorp International Limited?
From the same area (Other) we also value 542772, 590024, Indiabulls Real Estate Limited, KSB Pumps Limited, 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 Transcorp International Limited stock attractive at the current price?
The data as of Oct 3, 2026: price ₹24.34, calculated fair value ₹29.42 (+21%), Quality Score 47/100, from 23 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 532410 calculated?
We run Transcorp International Limited through 23 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 ₹29.42, 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. Transcorp International Limited currently trades 17 % 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 Transcorp International Limited (532410)?
The closing price on Oct 1, 2026 was ₹24.34. Our model-based fair value is ₹29.42, about +21% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Transcorp International Limited right now?
Solid quality (47/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (₹20.38 to ₹41.39) leaves room in how you read the outcome. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
Key figures of Transcorp International Limited
How large is the market capitalisation of Transcorp International Limited (532410)?
The market capitalisation of Transcorp International Limited is ₹286M (≈ $3.0M). 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 Transcorp International Limited (532410)?
The price-to-sales ratio of Transcorp International Limited is 0.02 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Transcorp International Limited (532410)?
Earnings per share at Transcorp International Limited are ₹−3.11. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Transcorp International Limited (532410)?
The dividend yield of Transcorp International Limited is 5.6%. 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 Transcorp International Limited (532410)?
The net margin of Transcorp International Limited is 1.0% (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 Transcorp International Limited (532410)?
The return on equity (ROE) of Transcorp International Limited is −18.2% (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 Transcorp International Limited (532410)?
On an EBIT basis the return on assets of Transcorp International Limited is 0.4% (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.
What is the operating margin of Transcorp International Limited (532410)?
The operating margin of Transcorp International Limited is −0.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Transcorp International Limited (532410)?
Revenue at Transcorp International Limited is growing −76.5% versus a year earlier (3y avg −32.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much net debt does Transcorp International Limited (532410) carry?
The net debt of Transcorp International Limited is ₹102M (fiscal year 2026, ≈ 2.0 yrs of FCF). 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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