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540749 Fair Value & Analysis

Financials · IN · Market cap ₹35.4B

5 540749 540749 · BSE
Price₹301.15
Fair Value₹385.27
Upside+27.9%
Quality29/100
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Expensive Growth
Thin margins · 0.0% net margin
High debt · negative free cash flow
Narrow moat 41/100
Evidence: High Range ₹288.95 – ₹481.59 Share as image

Fair value as of: Aug 19, 2026

From 6 valuation models · updated yesterday

Share price −5.4% over the past month.

Below-average quality, screening 28% undervalued on our models.

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What matters now

  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
  • Our model range runs from ₹288.95 (bear) to ₹481.59 (bull), base ₹385.27. The closer the price sits to the lower half, the larger the margin of safety.
  • Quality 29/100 (below-average quality) with high evidence: the data supports the verdict.
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Price vs Fair Value (5 years)

₹348.00 ₹153.37 Fair Value ₹385.27 Apr 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 19, 2026.

How to read this chart

60‑month range ₹153.37 – ₹348.00 · fair‑value band ₹288.95 – ₹481.59 · the ₹301.15 price screens below the ₹385.27 fair value. Dashed = 300-day average. As of Aug 19, 2026.

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Analysis

540749 (540749) currently trades at ₹301.15, while our model-based Fair Value estimate is ₹385.27, implying the stock looks roughly 27.9% undervalued today. The Quality Score stands at 29/100 (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: high), always confirm before acting.

Net debt stands at ₹101B. The stock trades on a trailing P/E of 19.6 (as of Aug 19, 2026). Fundamentals as of Aug 19, 2026

Our scenario range runs from ₹288.95 (bear case) to ₹481.59 (bull case); at ₹301.15, 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 16% below its 52-week high and 9% above its 52-week low. For context, the median of 10 Financials peers we cover trades at 100% fair-value upside, at 28%, 540749 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 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. Evidence
Highest evidence
Residual Income ₹236.87 ₹291.64 ₹735.09 76
Gordon GGM ₹27.67 ₹57.54 ₹91.28 70
P/E Multiple ₹307.97 ₹410.63 ₹513.29 63
All 6 models by family
Dividend Discount
Gordon GGM ₹27.67 ₹57.54 ₹91.28 70
DDM Multi-Stage ₹27.67 ₹48.52 ₹60.39 61
Multiples
P/E Multiple ₹307.97 ₹410.63 ₹513.29 63
P/B Multiple ₹265.74 ₹354.32 ₹442.89 55
Asset-Based
NCAV (Graham) ₹126.54 ₹169.57 ₹253.08 50
Economic Profit
Residual Income ₹236.87 ₹291.64 ₹735.09 76

Widest divergence: Multiples (₹354.32) versus Dividend Discount (₹48.52). Highest evidence: Residual Income (76).

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Key figures & financial health

Free cash flow −₹18.8B FY2025
P/E ratio 19.6 as of Aug 19, 2026
EPS (TTM) ₹33.08
Net debt ₹101B FY2025

Figures from reported company fundamentals · as of Aug 19, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 29/100

Of which business quality 29 · Market factors (momentum, volatility) 45

Profitability 37
Margins and returns on capital today
Quality Growth 26
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 32
Balance sheet, leverage, solvency risk
Investment 27
Disciplined investing over empire-building
Low Volatility 69
Calm price path (market factor)
Momentum 37
Price trend over the last 3–12 months (market factor)
52W Momentum 32
Distance to the 52-week high (market factor)
Net Issuance 64
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.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

540749 reported revenue of ₹15.3B in FY2025 versus ₹6.9B in FY2021, a compound +22.0%/yr. Reported net income was ₹3.7B in FY2025, compounding +23.6%/yr from FY2021.

Growth Quality 52/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Latest Revenue (FY 2025)
₹15.3B
Latest YoY
−4.1%
Avg. growth/yr (3Y) 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.
+16.1%
Avg. growth/yr (5Y) 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.
+19.6%
Avg. growth/yr (10Y) 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.
+17.6%
Revenue +22.0%/yr
FY21 ₹6.9B
FY22 ₹9.8B
FY23 ₹12.9B
FY24 ₹16.0B
FY25 ₹15.3B
Net income +23.6%/yr
FY21 ₹1.6B
FY22 ₹2.0B
FY23 ₹2.5B
FY24 ₹3.1B
FY25 ₹3.7B

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Cite: Fair Value Calculator (2026). "540749 Fair Value". https://www.fairvalue-calculator.com/stock/540749

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.)

Quality Score 32 · Bottom 25%
Fair Value upside −12% · Below median
Return on assets 0% · Bottom 25%
Net margin (TTM) 0% · Bottom 25%
Operating margin (TTM) 0% · Bottom 25%
Revenue growth 0% · Below median
Dividend yield (TTM) 1.0% · Bottom 25%
Debt / equity 1.72× · Higher than 75% of peers

Valuation Multiples vs Financials median · lower = cheaper

P/E (TTM) 19.6× · Pricier than 75% of peers
EV/EBITDA 21.2× · Pricier than 75% of peers

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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10 more Banking Services stocks, each showing price versus our Fair Value estimate (as of Aug 19, 2026).

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Frequently asked questions

Is 540749 overvalued or undervalued?
As of Aug 19, 2026, our model estimates a fair value of ₹385.27 versus a price of ₹301.15, about +28% (undervalued).
What is the fair value of 540749?
Our model-based fair value for 540749 is ₹385.27 (as of Aug 19, 2026), built from audited fundamentals. The current price: ₹301.15.
What is the quality score of 540749?
540749 has a Quality Score of 29/100. 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 540749?
The net profit margin of 540749 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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