Shivansh Finserve Limited (539593) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Shivansh Finserve Limited ₹20.32, price ₹10.64, upside +91.0%, quality 71 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 Sep 29, 2026.
How to read this chart
60‑month range ₹0.4600 – ₹15.45 · fair‑value band ₹14.04 – ₹26.89 · the ₹10.64 price screens below the ₹20.32 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 29, 2026.
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Shivansh Finserve Limited (539593) currently trades at ₹10.64, while our model-based Fair Value estimate is ₹20.32, implying the stock looks roughly 47.6% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of ₹161.17 per share, and 8 of the 9 models we run sit above the ₹10.64 price.
Bear case: the Asset-Based group reads lowest at ₹10.38, and 1 of the 9 models stay below the price. Evidence for this calculation is low.
Scenario range: ₹14.04 (bear) to ₹26.89 (bull), the price of ₹10.64 sits below 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 71/100 (solid quality), in the Financials sector.
Weak Growth: Revenue growth is weak, negative or inconsistent.
Shivansh Finserve Limited reported revenue of ₹26.5M in FY2026 versus ₹13.3M in FY2022, a compound +18.7%/yr. Reported net income was ₹4.3M in FY2026, compounding +48.5%/yr from FY2022.
Key figures
Market cap ₹66.4M (≈ $689K) · EPS (TTM) ₹−0.2090 · Net margin 16.1% · Return on equity −195% · Return on assets (EBIT) −0.7% · Free cash flow ₹103M · Net debt ₹23.8M.
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 31% below its 52-week high and 72% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financials peers we cover trades at 6% fair-value upside, at 91%, 539593 screens cheaper than that median.
Fair Value models
Bear ₹14.04Fair Value ₹20.32Bull ₹26.89
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.40/100
Revenue growth is weak, negative or inconsistent.
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.
+0.6%
Start year 2021 (pandemic). Over 10 years: +22.7% a year
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.
+53.8%
’14
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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.
+39.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+39.8%
Dividend (yield on the price)0.0%
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.39.8% vs 19.4%, picking up
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.−6% → 19%
Start year 2021 (pandemic)
⚠ Revenue per share shrinking 5.7%/yr over ~7Y (margin trend unclear) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Compare Shivansh Finserve Limited with another stock
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Peer Groupⓘ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 “Diversified Financial Services” was too small, so the broader sector is used.)Financials · 3176 stocks
Beats the sector median on 2/8 measures
Overall it trails its sector peers.
Valuation
Quality Score69 · Top 25%
Fair Value upside+91.0% · Top 25%
Profitability
Return on assets0.0% · Bottom 25%
Net margin (TTM)16.1% · Below median
Operating margin (TTM)0.0% · Bottom 25%
Growth and dividend
Revenue growth0.0% · Below median
Balance sheet
Debt / equity0.43× · Above median
Valuation Multiplesvs Financials median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is Shivansh Finserve Limited (539593) overvalued or undervalued?
As of Sep 29, 2026, our model estimates a fair value of ₹20.32 versus a price of ₹10.64, about +91% upside (undervalued).
What is the fair value of 539593?
Our model-based fair value for Shivansh Finserve Limited is ₹20.32 (as of Sep 29, 2026), built from audited fundamentals. The current price: ₹10.64.
What is the quality score of 539593?
Shivansh Finserve Limited has a Quality Score of 71/100. 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 Shivansh Finserve Limited (539593)?
Our model-based price target is the fair value of ₹20.32 (as of Sep 29, 2026) from 9 valuation models. Cautious scenario ₹14.04, optimistic scenario ₹26.89. It is a calculation from audited fundamentals, not an analyst target.
What is the Shivansh Finserve Limited stock forecast for 2026?
Our models put fair value at ₹20.32, about +91% upside versus a price of ₹10.64 (undervalued). Cautious scenario ₹14.04, optimistic scenario ₹26.89. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Shivansh Finserve Limited (539593)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Shivansh Finserve Limited it is ₹20.32 per share (as of Sep 29, 2026), against a price of ₹10.64. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is Shivansh Finserve Limited stock overvalued or undervalued in 2026?
As of Sep 29, 2026, 539593 trades below its calculated fair value: price ₹10.64, fair value ₹20.32, a gap of about +91% (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 539593?
No. The price is what the market pays today (₹10.64); the fair value is what the company's own numbers justify (₹20.32). For Shivansh Finserve Limited the two are ₹9.68 per share apart. That gap is exactly why we show both numbers side by side.
How much is Shivansh Finserve Limited worth?
The market values Shivansh Finserve Limited at about ₹66.4M (market capitalisation, as of Sep 29, 2026). Per share that is ₹10.64; our models calculate a fair value of ₹20.32 per share.
What do the bullish and bearish scenarios say about 539593?
Our models span a range for Shivansh Finserve Limited: cautious scenario ₹14.04, base ₹20.32, optimistic ₹26.89 per share (as of Sep 29, 2026, price ₹10.64). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Shivansh Finserve Limited (539593)?
Balance-sheet figures for Shivansh Finserve Limited (as of Sep 29, 2026): return on equity −195.0%, debt of 0.43 per unit of equity. They feed the Quality Score of 71/100, which measures business quality independently of the share price.
How far is 539593 from its 52-week high?
Shivansh Finserve Limited trades at ₹10.64, about 31% below its 52-week high of ₹15.45 and 72% above the low of ₹6.19 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹20.32 is for.
Which stocks are comparable to Shivansh Finserve Limited?
From the same area (Financials) we also value Banas Finance Limited, HARYNACAP, Mukesh Babu Financial Services Limited, 511593, 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 Shivansh Finserve Limited stock attractive at the current price?
The data as of Sep 29, 2026: price ₹10.64, calculated fair value ₹20.32 (+91%), Quality Score 71/100, from 9 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 539593 calculated?
We run Shivansh Finserve Limited through 9 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 ₹20.32, 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. Shivansh Finserve Limited currently trades 48 % 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 Shivansh Finserve Limited (539593)?
The closing price on Oct 1, 2026 was ₹10.64. Our model-based fair value is ₹20.32, about +91% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Shivansh Finserve Limited right now?
The rarer combination: high quality (71/100) AND below fair value. That earns a closer look rather than a quick verdict. The price is below even our cautious bear case (₹14.04). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range (₹14.04 to ₹26.89) leaves room in how you read the outcome.
Key figures of Shivansh Finserve Limited
How large is the market capitalisation of Shivansh Finserve Limited (539593)?
The market capitalisation of Shivansh Finserve Limited is ₹66.4M (≈ $689K). 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 are the earnings per share of Shivansh Finserve Limited (539593)?
Earnings per share at Shivansh Finserve Limited are ₹−0.2090. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Shivansh Finserve Limited (539593)?
The net margin of Shivansh Finserve Limited is 16.1% (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 Shivansh Finserve Limited (539593)?
The return on equity (ROE) of Shivansh Finserve Limited is −195% (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 Shivansh Finserve Limited (539593)?
On an EBIT basis the return on assets of Shivansh Finserve Limited is −0.7% (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.
How much free cash flow does Shivansh Finserve Limited (539593) generate?
The free cash flow of Shivansh Finserve Limited is ₹103M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Shivansh Finserve Limited (539593) carry?
The net debt of Shivansh Finserve Limited is ₹23.8M (fiscal year 2026, ≈ 0.2 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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