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Nahar Capital and Financial Services Limited (532952) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Nahar Capital and Financial Services Limited ₹55.67, price ₹244, upside -77.2%, quality 54 out of 100. 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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Broad data
Sep 24, 2026
Nahar Capital and Financial Services Limited
532952 · BSEStretched ValuationStrong overvaluation with only moderate quality.
!Fair value ₹55.67 · Strongly overvalued (−77.2%)
!Quality 54/100
!Weak Growth (revenue 5y +14.0 %/yr)
✓Solidly profitable · 19.6% net margin (TTM)
✓Low debt
!0.8% dividend yield · Token dividend
✓Wide moat 69/100
What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range ₹87.94 – ₹638.52 · fair‑value band ₹41.75 – ₹69.58 · the ₹244.00 price screens above the ₹55.67 fair value. Dashed = 300-day average. As of Sep 24, 2026.
Company profile
Nahar Capital and Financial Services Limited, a non-deposit taking non-banking financial company, engages in investment/financial activities.
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Nahar Capital and Financial Services Limited, a non-deposit taking non-banking financial company, engages in investment/financial activities. The company invests in various financial securities, including equity, bonds, debentures, commodity, term deposits, and securities of various kind issued by companies, banks, mutual funds, and other authorities, as well as central, state, municipal, and local bodies. It also provides lending services against liquid securities, such as shares, government bonds, gold, property, and other assets. In addition, the company is involved in the real estate business, including the purchase and sale of residential and/or commercial land with trading perspective; dealing in real estate, the development of land, and the construction of building for commercial and residential purpose; leasing, hiring, or acquiring various real estate assets; and leasing of flats and buildings. Nahar Capital and Financial Services Limited was incorporated in 2006 and is based in Ludhiana, India.
Stock analysis
Nahar Capital and Financial Services Limited (532952) currently trades at ₹244.00, while our model-based Fair Value estimate is ₹55.67, 77.2% below the price, so the stock looks overvalued today.
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Valuation
How firm this estimate is: it rests on 17 models at a data quality of 95/100, which puts the evidence level at high.
Scenario range: ₹41.75 (bear) to ₹69.58 (bull), the price of ₹244.00 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 54/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Nahar Capital and Financial Services Limited reported revenue of ₹262M in FY2025 versus ₹219M in FY2021, a compound +4.6%/yr. Reported net income was ₹498M in FY2025, compounding −4.9%/yr from FY2021.
Key figures
Market cap ₹1.1B (≈ $11.1M) · P/E ratio 88.9 · EPS (TTM) ₹3.13 · Dividend yield 0.8% · Net margin 19.6% · Return on assets (EBIT) 1.1% · Operating margin 78.4% · Revenue (TTM) ₹269M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 18% below its 52-week high and 23% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −15% fair-value upside, at −77%, 532952 screens richer than that median.
Fair Value models
Bear ₹41.75
Fair Value ₹55.67
Bull ₹69.58
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. Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then (₹2.63 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.
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.
Highest evidence
P/B Multiple
₹595.39
₹793.85
₹992.31
55
NCAV (Graham)
₹466.97
₹625.74
₹933.94
54
All 2 models by family
Multiples
P/B Multiple
₹595.39
₹793.85
₹992.31
55
Asset-Based
NCAV (Graham)
₹466.97
₹625.74
₹933.94
54
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Set up alert →Quality Score breakdown
Overall quality
54/100
Of which business quality 50 · Market factors (momentum, volatility) 39
Profitability
32
Margins and returns on capital today
Quality Growth
54
Are margins and returns improving?
Cashflow
12
Earnings quality: real cash, not paper profit
Fin. Strength
75
Balance sheet, leverage, solvency risk
Investment
67
Disciplined investing over empire-building
Low Volatility
46
Calm price path (market factor)
Momentum
39
Price trend over the last 3–12 months (market factor)
52W Momentum
31
Distance to the 52-week high (market factor)
Net Issuance
82
Share count: buybacks or dilution?
Revenue & earnings trend
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 inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+9.6%
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.
−4.5%
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.
+14.0%
Start year 2020 (pandemic). Over 10 years: +1.1% a year
Revenue growth 11 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.
−1.1%
’14
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’21
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’25
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. Basis: EBIT basis. 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.
+7.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+6.9%
Dividend (yield on the price)0.8%
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.14.8% vs 10.2%, picking up
Profit margin 2020 to 2025 ⓘ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.49% → 59%
Start year 2020 (pandemic)
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Context: sector, industry, market
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: Indian Stocks
- Valuation of the India market
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
Similar stocks
10 more Capital Markets stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Morgan Stanley, a financial holding company, MS | $188.08 | $314.07 | +67% |
| The Goldman Sachs Group GS | $900.36 | $766.86 | −15% |
| The Charles Schwab Corporation SCHW | $97.74 | $118.07 | +21% |
| Interactive Brokers Group IBKR | $89.24 | $23.12 | −74% |
| Robinhood Markets, Inc HOOD | $116.22 | $47.77 | −59% |
| Macquarie Group MQG | A$245.63 | A$80.51 | −67% |
| CITIC Securities Company 600030 | ¥26.29 | ¥18.35 | −30% |
| Guotai Haitong Securities Co 601211 | ¥17.21 | ¥19.35 | +12% |
| East Money Information Co 300059 | ¥18.28 | ¥4.94 | −73% |
| Nomura Holdings NMR | $9.91 | $10.19 | +3% |
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Frequently asked questions
Is Nahar Capital and Financial Services Limited (532952) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of ₹55.67 versus a price of ₹244.00, about −77% upside (overvalued).
What is the fair value of 532952?
Our model-based fair value for Nahar Capital and Financial Services Limited is ₹55.67 (as of Sep 24, 2026), built from audited fundamentals. The current price: ₹244.00.
What is the quality score of 532952?
Nahar Capital and Financial Services Limited has a Quality Score of 54/100. 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 Nahar Capital and Financial Services Limited (532952)?
Our model-based price target is the fair value of ₹55.67 (as of Sep 24, 2026) from 2 valuation models. Cautious scenario ₹41.75, optimistic scenario ₹69.58. It is a calculation from audited fundamentals, not an analyst target.
What is the Nahar Capital and Financial Services Limited stock forecast for 2026?
Our models put fair value at ₹55.67, about −77% upside versus a price of ₹244.00 (overvalued). Cautious scenario ₹41.75, optimistic scenario ₹69.58. The calculation is refreshed regularly with new filings.
What is the revenue of Nahar Capital and Financial Services Limited (532952)?
Nahar Capital and Financial Services Limited reported trailing-twelve-month revenue of about ₹269M (latest available figure, as of Sep 24, 2026).
Does Nahar Capital and Financial Services Limited pay a dividend?
Nahar Capital and Financial Services Limited currently shows a dividend yield of about 0.77% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Nahar Capital and Financial Services Limited (532952)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Nahar Capital and Financial Services Limited it is ₹55.67 per share (as of Sep 24, 2026), against a price of ₹244.00. It is the blended result of 2 valuation models (cash flow, earnings, asset, dividend).
Is Nahar Capital and Financial Services Limited stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 532952 trades above its calculated fair value: price ₹244.00, fair value ₹55.67, a gap of about −77% (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 532952?
No. The price is what the market pays today (₹244.00); the fair value is what the company's own numbers justify (₹55.67). For Nahar Capital and Financial Services Limited the two are ₹188.33 per share apart. That gap is exactly why we show both numbers side by side.
How much is Nahar Capital and Financial Services Limited worth?
The market values Nahar Capital and Financial Services Limited at about ₹1.1B (market capitalisation, as of Sep 24, 2026). Per share that is ₹244.00; our models calculate a fair value of ₹55.67 per share.
What do the bullish and bearish scenarios say about 532952?
Our models span a range for Nahar Capital and Financial Services Limited: cautious scenario ₹41.75, base ₹55.67, optimistic ₹69.58 per share (as of Sep 24, 2026, price ₹244.00). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is 532952 from its 52-week high?
Nahar Capital and Financial Services Limited trades at ₹244.00, about 18% below its 52-week high of ₹296.25 and 23% above the low of ₹198.65 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹55.67 is for.
Which stocks are comparable to Nahar Capital and Financial Services Limited?
From the same area (Financial Services) we also value Morgan Stanley, a financial holding company,, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers Group, 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 Nahar Capital and Financial Services Limited stock attractive at the current price?
The data as of Sep 24, 2026: price ₹244.00, calculated fair value ₹55.67 (−77%), Quality Score 54/100, 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 532952 calculated?
We run Nahar Capital and Financial Services 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 ₹55.67, 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. Nahar Capital and Financial Services 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 Nahar Capital and Financial Services Limited (532952)?
The closing price on Oct 1, 2026 was ₹244.00. Our model-based fair value is ₹55.67, about −77% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Nahar Capital and Financial Services Limited right now?
The price sits above even our optimistic bull case (₹69.58). The favourable scenario is already priced in. Solid but not exceptional quality (54/100) 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.
Key figures of Nahar Capital and Financial Services Limited
How large is the market capitalisation of Nahar Capital and Financial Services Limited (532952)?
The market capitalisation of Nahar Capital and Financial Services Limited is ₹1.1B (≈ $11.1M). 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/E ratio of Nahar Capital and Financial Services Limited (532952)?
The price-to-earnings ratio of Nahar Capital and Financial Services Limited is 88.9 (as of Sep 1, 2026). Price to earnings: how many years of current profit you pay for the stock. A P/E of 10 means ten years of profit.
What are the earnings per share of Nahar Capital and Financial Services Limited (532952)?
Earnings per share at Nahar Capital and Financial Services Limited are ₹3.13 (price ÷ EPS = P/E 88.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Nahar Capital and Financial Services Limited (532952)?
The dividend yield of Nahar Capital and Financial Services Limited is 0.8% (payout 60.1%). 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 Nahar Capital and Financial Services Limited (532952)?
The net margin of Nahar Capital and Financial Services Limited is 19.6% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of Nahar Capital and Financial Services Limited (532952)?
On an EBIT basis the return on assets of Nahar Capital and Financial Services Limited is 1.1% (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 Nahar Capital and Financial Services Limited (532952)?
The operating margin of Nahar Capital and Financial Services Limited is 78.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Nahar Capital and Financial Services Limited (532952)?
Revenue at Nahar Capital and Financial Services Limited is growing −3.5% versus a year earlier (3y avg −4.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Nahar Capital and Financial Services Limited (532952)?
Earnings per share at Nahar Capital and Financial Services Limited are growing −72.9% versus a year earlier. How much earnings per share grew versus a year earlier.
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