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Abirami Financial Services (India) Limited (ABIRAFN) Fair Value & Analysis

Financial Services · IN · Market cap ₹178M

AF Abirami Financial Services (India) Limited ABIRAFN · BSE
Price₹33.00
Fair Value₹18.97
Upside-42.5%
Quality62/100
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Evidence: Medium Range ₹14.23 – ₹23.71

Fair value as of: Jul 5, 2026

From 8 valuation models · updated today

Share price −1.5% over the past month.

Price vs Fair Value (12 months)

₹53.93 ₹28.86 Fair Value ₹18.97 Jul 2025 Jul 2026

12‑month range ₹28.86 – ₹53.93 · fair‑value band ₹14.23 – ₹23.71 · the ₹33.00 price screens above the ₹18.97 fair value. As of Jul 5, 2026.

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Analysis

Abirami Financial Services (India) Limited (ABIRAFN) currently trades at ₹33.00, while our model-based Fair Value estimate is ₹18.97 — implying the stock looks roughly 42.5% overvalued today. We read business quality at 62/100 (solid 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: medium).

Over the trailing twelve months, Abirami Financial Services (India) Limited generated revenue of ₹13.3M at a net margin of 38.4%. Revenue declined 2.0% year over year. It earns a return on equity of 2.6%. The stock trades on a trailing P/E of 34.7. Fundamentals as of Jul 5, 2026

Key figures & financial health

Revenue (TTM) ₹13.3M
Revenue growth (YoY) -2.0%
Net margin 38.4%
Return on equity 2.6%
Free cash flow −₹4.4M FY2026
P/E ratio 34.7
More key figures
Operating margin 48.3%
EPS (TTM) ₹0.9500
EPS growth (YoY) +127%

Figures from reported company fundamentals (EODHD) · as of Jul 5, 2026. TTM = trailing twelve months.

About the company

Abirami Financial Services (India) Limited is engages in hire purchase business. It also leases and lends money against securities, and movable and immovable properties. The company was incorporated in 1993 and is based in Chennai, India.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

Abirami Financial Services (India) Limited reported revenue of ₹0 in FY2026 versus ₹0 in FY2022. Reported net income was ₹5.1M in FY2026.

Revenue
FY22 ₹0
FY23 ₹0
FY24 ₹0
FY25 ₹0
FY26 ₹0
Net income
FY22 −₹1.9M
FY23 ₹146M
FY24 ₹14.5M
FY25 ₹5.8M
FY26 ₹5.1M

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Similar stocks

6 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 5, 2026).

Stock Price Fair Value vs Fair Value
Visa Inc 3V64 €287.50 €226.82 -21%
Mastercard Incorporated MA C$29.95 C$17.76 -41%
M4I M4I €430.50 €368.29 -14%
American Express Company AXP C$28.87 C$24.27 -16%
Capital One Financial Corporation COF $200.70 $125.08 -38%
Bajaj Finance Limited BAJFINANCE ₹889.40 ₹559.13 -37%

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Frequently asked questions

Is Abirami Financial Services (India) Limited (ABIRAFN) undervalued?
As of Jul 5, 2026, our model estimates a fair value of ₹18.97 versus a price of ₹33.00 — about −43% (overvalued). Model-based estimate, not financial advice.
What is the fair value of ABIRAFN?
Our model-based fair value for Abirami Financial Services (India) Limited is ₹18.97 (as of Jul 5, 2026), built from audited fundamentals. The current price is ₹33.00.
What is the quality score of ABIRAFN?
Abirami Financial Services (India) Limited has a Quality Score of 62/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of Abirami Financial Services (India) Limited (ABIRAFN)?
Abirami Financial Services (India) Limited reported trailing-twelve-month revenue of about ₹13.3M (latest available figure, as of Jul 5, 2026).
What is the net profit margin of ABIRAFN?
The net profit margin of Abirami Financial Services (India) Limited is about 38.4%, meaning it keeps roughly 38.4% 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.