532505 Fair Value & Analysis
Financials · IN · Market cap ₹139B
Fair value as of: Aug 18, 2026
From 6 valuation models · updated 2 days ago
Share price −3.4% over the past month.
Below-average quality, screening 103% undervalued on our models.
What matters now
- The large discount to fair value meets weak quality (41/100). That raises the risk this is a value trap rather than a bargain.
- The price is below even our cautious bear case (₹39.16). The market is more pessimistic than our downside scenario.
- 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 ₹10.22 – ₹66.00 · fair‑value band ₹39.16 – ₹65.27 · the ₹25.69 price screens below the ₹52.22 fair value. Dashed = 300-day average. As of Aug 18, 2026.
Analysis
532505 (532505) currently trades at ₹25.69, while our model-based Fair Value estimate is ₹52.22, implying the stock looks roughly 103.3% undervalued today. The Quality Score stands at 41/100 (below-average quality), in the Financials sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium), always confirm before acting.
Our scenario range runs from ₹39.16 (bear case) to ₹65.27 (bull case); at ₹25.69, the current price sits below 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 24% below its 52-week high and 17% above its 52-week low. For context, the median of 10 Financials peers we cover trades at 73% fair-value upside, at 103%, 532505 screens cheaper 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 (₹66.57) versus Dividend Discount (₹14.57). Highest evidence: Residual Income (76).
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Quality Score breakdown
Of which business quality 34 · 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
532505 reported revenue of ₹123B in FY2025 versus ₹95.7B in FY2021, a compound +6.5%/yr. Reported net income was ₹27.7B in FY2025, compounding +32.6%/yr from FY2021.
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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.)
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% |
| 532134 532134 | ₹247.00 | ₹187.35 | -24% |
| LTG LTG | 14.88 PHP | 29.76 PHP | +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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Frequently asked questions
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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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