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Edelweiss Financial Services Limited (532922) Fair Value & Analysis

Financials · IN · Market cap ₹65.9B

EF Edelweiss Financial Services Limited 532922 · BSE
Price₹115.40
Fair Value₹124.39
Upside+7.8%
Quality55/100
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Weak Growth
Thin margins · 0.0% net margin
High debt · generates free cash flow
Moderate moat 60/100
Evidence: High Range ₹93.29 – ₹155.49 Share as image

Fair value as of: Aug 2, 2026

From 4 valuation models · updated 8 days ago

Share price −7.9% over the past month.

A solid business, currently priced close to our fair value.

What matters now

  • The price sits close to our fair value, market and models broadly agree here, little valuation tension.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
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Price vs Fair Value (5 years)

₹140.20 ₹18.11 Fair Value ₹124.39 Mar 2021 Jul 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 2, 2026.

How to read this chart

60‑month range ₹18.11 – ₹140.20 · fair‑value band ₹93.29 – ₹155.49 · the ₹115.40 price screens below the ₹124.39 fair value. Dashed = 300-day average. As of Aug 2, 2026.

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Analysis

Edelweiss Financial Services Limited (532922) currently trades at ₹115.40, while our model-based Fair Value estimate is ₹124.39, implying the stock looks roughly 7.8% fairly valued today. The Quality Score stands at 55/100 (solid 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: high), always confirm before acting.

Net debt stands at ₹150B. Fundamentals as of Aug 2, 2026

Our scenario range runs from ₹93.29 (bear case) to ₹155.49 (bull case); at ₹115.40, the current price sits within 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 14% below its 52-week high and 27% above its 52-week low. For context, the median of 10 Financials peers we cover trades at 20% fair-value upside, at 8%, 532922 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.

Model BearBaseBull Evidence
Highest evidence
Residual Income ₹74.62 ₹87.83 ₹172.58 76
P/E Multiple ₹93.29 ₹124.39 ₹155.49 63
P/B Multiple ₹84.97 ₹113.30 ₹141.62 55
All 4 models by family
Multiples
P/E Multiple ₹93.29 ₹124.39 ₹155.49 63
P/B Multiple ₹84.97 ₹113.30 ₹141.62 55
Asset-Based
NCAV (Graham) ₹40.46 ₹54.22 ₹80.93 50
Economic Profit
Residual Income ₹74.62 ₹87.83 ₹172.58 76

Widest divergence: Multiples (₹113.30) versus Asset-Based (₹54.22). Highest evidence: Residual Income (76).

Key figures & financial health

Free cash flow ₹8.3B FY2026
EPS (TTM) ₹-23.02
Net debt ₹150B FY2026

Figures from reported company fundamentals · as of Aug 2, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 55/100

Of which business quality 50 · Market factors (momentum, volatility) 47

Profitability 27
Margins and returns on capital today
Quality Growth 46
Are margins and returns improving?
Cashflow 67
Earnings quality: real cash, not paper profit
Fin. Strength 27
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 45
Calm price path (market factor)
Momentum 48
Price trend over the last 3–12 months (market factor)
52W Momentum 46
Distance to the 52-week high (market factor)
Net Issuance 59
Buybacks instead of dilution

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.

About the company

Edelweiss Financial Services Limited provides financial products and services to corporations, institutions, and individuals in India. The company operates through Agency Business, Capital Based Business, and Life Insurance segments.

Full company description

Edelweiss Financial Services Limited provides financial products and services to corporations, institutions, and individuals in India. The company operates through Agency Business, Capital Based Business, and Life Insurance segments. It offers corporate credit products, such as promoter funding and trade financing solutions; fixed income services; retail credit products, including term loans, loans against listed securities, IPO financing, and loans against ESOPs; and housing finance products comprising home loans, balance transfer and top up loans, loan against property, re-financing, and lease rental discounting. The company also provides investment banking services consisting of private equity advisory, merger and acquisition advisory, equity and debt capital market, and loan syndication services; and corporate and individual wealth management services. In addition, it offers institutional brokerage services, including institutional equities and prime brokerage services; and perspective, corporate, and alternative and quantitative research services, as well as provides retail brokerage services through its edelweiss.in Website. Further, the company offers insurance brokerage services consisting of risk management, risk monitoring, insurance programs designing, insurance portfolio management services, and claims management services; and asset/property, marine, personal, business interruption, liability, financial, art, and miscellaneous insurance, as well as life insurance products. Additionally, it provides mutual funds, alternative asset advisory and reconstruction services, and commodities. The company was formerly known as Edelweiss Capital Limited and changed its name to Edelweiss Financial Services Limited in August 2011. Edelweiss Financial Services Limited was founded in 1995 and is based in Mumbai, India.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

Edelweiss Financial Services Limited reported revenue of ₹80.4B in FY2026 versus ₹68.2B in FY2022, a compound +4.2%/yr. Reported net income was ₹5.5B in FY2026, compounding +30.4%/yr from FY2022.

Growth Quality 40/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2026)
₹80.4B
Latest YoY
−11.5%
Avg. growth/yr (3Y)
−1.8%
Avg. growth/yr (5Y)
−3.0%
Avg. growth/yr (12Y)
+16.1%
Revenue +4.2%/yr
FY22 ₹68.2B
FY23 ₹84.8B
FY24 ₹95.0B
FY25 ₹90.8B
FY26 ₹80.4B
Net income +30.4%/yr
FY22 ₹1.9B
FY23 ₹3.4B
FY24 ₹4.2B
FY25 ₹4.0B
FY26 ₹5.5B

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Cite: Fair Value Calculator (2026). "Edelweiss Financial Services Limited Fair Value". https://www.fairvalue-calculator.com/stock/532922

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

Is Edelweiss Financial Services Limited (532922) overvalued or undervalued?
As of Aug 2, 2026, our model estimates a fair value of ₹124.39 versus a price of ₹115.40, about +8% (fairly valued).
What is the fair value of 532922?
Our model-based fair value for Edelweiss Financial Services Limited is ₹124.39 (as of Aug 2, 2026), built from audited fundamentals. The current price is ₹115.40.
What is the quality score of 532922?
Edelweiss Financial Services Limited has a Quality Score of 55/100. 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 net profit margin of 532922?
The net profit margin of Edelweiss Financial Services Limited is about 0.0%, meaning it keeps roughly 0.0% of revenue as net income. Based on the latest reported figures.

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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