Kapil Raj Finance Limited (539679) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Kapil Raj Finance Limited ₹0.83, price ₹3.09, upside -73.1%, quality 66 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 27, 2026.
How to read this chart
60‑month range ₹0.3850 – ₹9.27 · fair‑value band ₹0.4800 – ₹1.30 · the ₹3.09 price screens above the ₹0.8300 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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Kapil Raj Finance Limited (539679) currently trades at ₹3.09, while our model-based Fair Value estimate is ₹0.8300, 73.1% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of ₹1.69 per share, and 0 of the 9 models we run sit above the ₹3.09 price.
Bear case: the Multiples group reads lowest at ₹0.3600, and 9 of the 9 models stay below the price. Evidence for this calculation is low.
Scenario range: ₹0.4800 (bear) to ₹1.30 (bull), the price of ₹3.09 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 66/100 (solid quality), in the Financials sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Kapil Raj Finance Limited reported revenue of ₹8.0M in FY2026 versus ₹0 in FY2022. Reported net income was ₹5.5M in FY2026.
Key figures
Market cap ₹608M (≈ $6.3M) · P/E ratio 850.2 · EPS (TTM) ₹0.0065 · Net margin 68.3% · Return on equity 52.9% · Return on assets (EBIT) −0.7% · Free cash flow ₹11.4M · Net debt ₹148K.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 24% below its 52-week high and 155% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financials peers we cover trades at −14% fair-value upside, at −73%, 539679 screens richer than that median.
Fair Value models
Bear ₹0.4800Fair Value ₹0.8300Bull ₹1.30
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 2026 figures (about 6 months old). Earnings retained since then (₹0.0033 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.
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
+323.4%
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.
+18.8%
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.
−4.6%
Start year 2021 (pandemic). Over 10 years: −0.1% 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.
+25.8%
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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.
−35.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year−35.6%
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.−35.6% vs −16.6%, 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.57% → 68%
Start year 2021 (pandemic)
⚠ Revenue per share shrinking 53.1%/yr over ~7Y (margins eroding too) ⓘ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.
Growth Forecast
A lot of optimism in the price
The price assumes more 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).
+23.6%
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 +18.7% a year for the price.
Compare Kapil Raj Finance Limited with another stock
Price, fair value, quality and upside side by side.
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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 “Financial Services” was too small, so the broader sector is used.)Financials · 3153 stocks
Beats the sector median on 6/11 measures
A mixed picture versus its sector peers.
Valuation
Quality Score69 · Top 25%
Fair Value upside−73.1% · Bottom 25%
Profitability
Return on equity (TTM)52.9% · Top 25%
Return on assets0.0% · Bottom 25%
Net margin (TTM)68.3% · Top 25%
Operating margin (TTM)0.0% · Bottom 25%
Growth and dividend
Revenue growth0.0% · Below median
Balance sheet
Debt / equity0.00× · Lowest 25%
Valuation Multiplesvs Financials median · lower = cheaper
P/E (TTM)850.2× · Priciest 25%
P/B0.05× · Cheapest 25%
P/FCF0.6× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 25
FUTURE (revenue growth)0· sector 46
PAST (return on equity)100· sector 38
HEALTH (low debt)100· sector 87
DIVIDEND (yield)0· sector 59
VALUE 0: the price sits above our fair-value range.
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 Kapil Raj Finance Limited (539679) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of ₹0.8300 versus a price of ₹3.09, about −73% upside (overvalued).
What is the fair value of 539679?
Our model-based fair value for Kapil Raj Finance Limited is ₹0.8300 (as of Sep 27, 2026), built from audited fundamentals. The current price: ₹3.09.
What is the quality score of 539679?
Kapil Raj Finance Limited has a Quality Score of 66/100. 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 Kapil Raj Finance Limited (539679)?
Our model-based price target is the fair value of ₹0.8300 (as of Sep 27, 2026) from 9 valuation models. Cautious scenario ₹0.4800, optimistic scenario ₹1.30. It is a calculation from audited fundamentals, not an analyst target.
What is the Kapil Raj Finance Limited stock forecast for 2026?
Our models put fair value at ₹0.8300, about −73% upside versus a price of ₹3.09 (overvalued). Cautious scenario ₹0.4800, optimistic scenario ₹1.30. The calculation is refreshed regularly with new filings.
What growth is priced into Kapil Raj Finance Limited (539679)?
For today's price to be fair in a discounted-cash-flow model, Kapil Raj Finance Limited would have to grow free cash flow by +23.6 % per year for five years (discount rate 12.4 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -4.6 % per year. As of Sep 27, 2026.
What discount rate (WACC) does the fair value of 539679 use?
Our models discount Kapil Raj Finance Limited at 12.4 %: a base by market capitalisation (nano), 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 Kapil Raj Finance Limited that is +23.6 % per year a year over ten years, using the same discount rate (12.4 %) and the same formula as our fair value.
How much growth has Kapil Raj Finance Limited (539679) delivered so far?
Over the past 5 years revenue at Kapil Raj Finance Limited grew -4.6 % a year. The price currently implies +23.6 % 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 Kapil Raj Finance Limited (539679) growing?
The median revenue growth in the sector is +8.0 % a year. That is the yardstick for the growth priced into Kapil Raj Finance Limited (+23.6 % 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 Kapil Raj Finance Limited (539679)?
The free-cash-flow yield on the price is 3.37 %: that much free cash flow Kapil Raj Finance Limited produces per unit of market value. When it exceeds the discount rate of our models (12.4 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Kapil Raj Finance Limited (539679)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Kapil Raj Finance Limited it is ₹0.8300 per share (as of Sep 27, 2026), against a price of ₹3.09. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is Kapil Raj Finance Limited stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 539679 trades above its calculated fair value: price ₹3.09, fair value ₹0.8300, a gap of about −73% (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 539679?
No. The price is what the market pays today (₹3.09); the fair value is what the company's own numbers justify (₹0.8300). For Kapil Raj Finance Limited the two are ₹2.26 per share apart. That gap is exactly why we show both numbers side by side.
How much is Kapil Raj Finance Limited worth?
The market values Kapil Raj Finance Limited at about ₹608M (market capitalisation, as of Sep 27, 2026). Per share that is ₹3.09; our models calculate a fair value of ₹0.8300 per share.
What do the bullish and bearish scenarios say about 539679?
Our models span a range for Kapil Raj Finance Limited: cautious scenario ₹0.4800, base ₹0.8300, optimistic ₹1.30 per share (as of Sep 27, 2026, price ₹3.09). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Kapil Raj Finance Limited (539679)?
Balance-sheet figures for Kapil Raj Finance Limited (as of Sep 27, 2026): return on equity 52.9%, debt of 0.00 per unit of equity. They feed the Quality Score of 66/100, which measures business quality independently of the share price.
How far is 539679 from its 52-week high?
Kapil Raj Finance Limited trades at ₹3.09, about 24% below its 52-week high of ₹4.09 and 155% above the low of ₹1.21 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹0.8300 is for.
Which stocks are comparable to Kapil Raj Finance Limited?
From the same area (Financials) we also value ARYAMAN, CGFL, DHARNI, NCLRESE, 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 Kapil Raj Finance Limited stock attractive at the current price?
The data as of Sep 27, 2026: price ₹3.09, calculated fair value ₹0.8300 (−73%), Quality Score 66/100, 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 539679 calculated?
We run Kapil Raj Finance 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 ₹0.8300, 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. Kapil Raj Finance 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 Kapil Raj Finance Limited (539679)?
The closing price on Oct 1, 2026 was ₹3.09. Our model-based fair value is ₹0.8300, about −73% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Kapil Raj Finance Limited right now?
The price sits above even our optimistic bull case (₹1.30). The favourable scenario is already priced in. The model range is unusually wide (₹0.4800 to ₹1.30). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (66/100) and above fair value, neither a clear bargain nor a standout compounder.
Key figures of Kapil Raj Finance Limited
How large is the market capitalisation of Kapil Raj Finance Limited (539679)?
The market capitalisation of Kapil Raj Finance Limited is ₹608M (≈ $6.3M). 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 Kapil Raj Finance Limited (539679)?
The price-to-earnings ratio of Kapil Raj Finance Limited is 850.2 (as of Sep 25, 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 Kapil Raj Finance Limited (539679)?
Earnings per share at Kapil Raj Finance Limited are ₹0.0065 (price ÷ EPS = P/E 850.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Kapil Raj Finance Limited (539679)?
The net margin of Kapil Raj Finance Limited is 68.3% (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 Kapil Raj Finance Limited (539679)?
The return on equity (ROE) of Kapil Raj Finance Limited is 52.9% (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 Kapil Raj Finance Limited (539679)?
On an EBIT basis the return on assets of Kapil Raj Finance 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 net debt does Kapil Raj Finance Limited (539679) carry?
The net debt of Kapil Raj Finance Limited is ₹148K (fiscal year 2025, ≈ 0.0 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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