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5PAISA (5PAISA) Fair Value & Analysis

Financial Services · Market cap ₹18.1B

5 5PAISA 5PAISA · NSE
Price₹385.30
Fair Value₹160.23
Upside-58.4%
Quality44/100
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Evidence: High Range ₹120.17 – ₹200.29

Fair value as of: Jul 3, 2026

From 15 valuation models · updated today

Share price +18.6% over the past month.

Price vs Fair Value (12 months)

₹423.50 ₹249.10 Fair Value ₹160.23 Jul 2025 Jul 2026

12‑month range ₹249.10 – ₹423.50 · fair‑value band ₹120.17 – ₹200.29 · the ₹385.30 price screens above the ₹160.23 fair value. As of Jul 3, 2026.

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Analysis

5PAISA (5PAISA) currently trades at ₹385.30, while our model-based Fair Value estimate is ₹160.23 — implying the stock looks roughly 58.4% overvalued today. We read business quality at 44/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

Over the trailing twelve months, 5PAISA generated revenue of ₹2.9B at a net margin of 15.4%. Revenue grew 6.4% year over year. It earns a return on equity of 7.1%. The balance sheet holds a net cash position of ₹10.4B. Fundamentals as of Jul 3, 2026

Key figures & financial health

Revenue (TTM) ₹2.9B
Revenue growth (YoY) +6.4%
Net margin 15.4%
Return on equity 7.1%
Free cash flow −₹788M FY2026
P/E ratio 27.2
More key figures
Operating margin 19.0%
EPS (TTM) ₹14.14
EPS growth (YoY) +7.9%
Net cash ₹10.4B FY2026

Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

5PAISA reported revenue of ₹3.2B in FY2026 versus ₹2.2B in FY2022, a compound +10.3%/yr. Reported net income was ₹442M in FY2026, compounding +33.9%/yr from FY2022.

Revenue +10.3%/yr
FY22 ₹2.2B
FY23 ₹2.4B
FY24 ₹2.6B
FY25 ₹2.3B
FY26 ₹3.2B
Net income +33.9%/yr
FY22 ₹137M
FY23 ₹436M
FY24 ₹544M
FY25 ₹682M
FY26 ₹442M

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Frequently asked questions

Is 5PAISA (5PAISA) undervalued?
As of Jul 3, 2026, our model estimates a fair value of ₹160.23 versus a price of ₹385.30 — about −58% (overvalued). Model-based estimate, not financial advice.
What is the fair value of 5PAISA?
Our model-based fair value for 5PAISA is ₹160.23 (as of Jul 3, 2026), built from audited fundamentals. The current price is ₹385.30.
What is the quality score of 5PAISA?
5PAISA has a Quality Score of 44/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of 5PAISA (5PAISA)?
5PAISA reported trailing-twelve-month revenue of about ₹2.9B (latest available figure, as of Jul 3, 2026).
What is the net profit margin of 5PAISA?
The net profit margin of 5PAISA is about 15.4%, meaning it keeps roughly 15.4% 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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.