ABIRAMI FINANCIAL SERVICES (INDIA) LTD. (ABIRAFN) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of ABIRAMI FINANCIAL SERVICES (INDIA) LTD. ₹17.15, price ₹34.50, upside -50.3%, quality 77 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 ₹2.07 – ₹75.84 · fair‑value band ₹9.25 – ₹22.43 · the ₹34.50 price screens above the ₹17.15 fair value. Dashed = 300-day average. As of Sep 27, 2026.
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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.
Stock analysis
ABIRAMI FINANCIAL SERVICES (INDIA) LTD. (ABIRAFN) currently trades at ₹34.50, while our model-based Fair Value estimate is ₹17.15, 50.3% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of ₹24.39 per share, and 0 of the 6 models we run sit above the ₹34.50 price.
Bear case: the Earnings-Based group reads lowest at ₹4.74, and 6 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: ₹9.25 (bear) to ₹22.43 (bull), the price of ₹34.50 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 77/100 (high quality), in the Financial Services sector.
ABIRAMI FINANCIAL SERVICES (INDIA) LTD. reported revenue of ₹0 in FY2026 versus ₹0 in FY2022. Reported net income was ₹5.1M in FY2026.
Key figures
Market cap ₹186M (≈ $1.9M) · P/E ratio 38.3 · P/S ratio 13.2 · EPS (TTM) ₹0.9000 · Dividend yield 4.3% · Net margin 37.7% · Return on equity 2.5% · Return on assets (EBIT) −4.4%.
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 25% below its 52-week high and 25% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at −50%, ABIRAFN screens richer than that median.
Fair Value models
Bear ₹9.25Fair Value ₹17.15Bull ₹22.43
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.
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.
Compare ABIRAMI FINANCIAL SERVICES (INDIA) LTD. with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 326 stocks
Beats the industry median on 5/11 measures
A mixed picture versus its industry peers.
Valuation
Quality Score77 · Top 25%
Fair Value upside−50.3% · Bottom 25%
Profitability
Return on equity (TTM)2.5% · Below median
Return on assets2.4% · Below median
Net margin (TTM)37.7% · Above median
Operating margin (TTM)46.4% · Above median
Growth and dividend
Revenue growth−10.4% · Bottom 25%
Dividend yield (TTM)4.3% · Above median
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (TTM)38.3× · Priciest 25%
P/B0.95× · Cheaper than median
P/S (TTM)14.37× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 55
FUTURE (revenue growth)0· sector 52
PAST (return on equity)10· sector 33
HEALTH (low debt)100· sector 58
DIVIDEND (yield)87· sector 64
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 ABIRAMI FINANCIAL SERVICES (INDIA) LTD. (ABIRAFN) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of ₹17.15 versus a price of ₹34.50, about −50% upside (overvalued).
What is the fair value of ABIRAFN?
Our model-based fair value for ABIRAMI FINANCIAL SERVICES (INDIA) LTD. is ₹17.15 (as of Sep 27, 2026), built from audited fundamentals. The current price: ₹34.50.
What is the quality score of ABIRAFN?
ABIRAMI FINANCIAL SERVICES (INDIA) LTD. has a Quality Score of 77/100. 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 ABIRAMI FINANCIAL SERVICES (INDIA) LTD. (ABIRAFN)?
Our model-based price target is the fair value of ₹17.15 (as of Sep 27, 2026) from 6 valuation models. Cautious scenario ₹9.25, optimistic scenario ₹22.43. It is a calculation from audited fundamentals, not an analyst target.
What is the ABIRAMI FINANCIAL SERVICES (INDIA) LTD. stock forecast for 2026?
Our models put fair value at ₹17.15, about −50% upside versus a price of ₹34.50 (overvalued). Cautious scenario ₹9.25, optimistic scenario ₹22.43. The calculation is refreshed regularly with new filings.
What is the revenue of ABIRAMI FINANCIAL SERVICES (INDIA) LTD. (ABIRAFN)?
ABIRAMI FINANCIAL SERVICES (INDIA) LTD. reported trailing-twelve-month revenue of about ₹13.0M (latest available figure, as of Sep 27, 2026).
Does ABIRAMI FINANCIAL SERVICES (INDIA) LTD. pay a dividend?
ABIRAMI FINANCIAL SERVICES (INDIA) LTD. currently shows a dividend yield of about 4.35% relative to its recent price (as of Sep 27, 2026).
What is the intrinsic value of ABIRAMI FINANCIAL SERVICES (INDIA) LTD. (ABIRAFN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For ABIRAMI FINANCIAL SERVICES (INDIA) LTD. it is ₹17.15 per share (as of Sep 27, 2026), against a price of ₹34.50. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is ABIRAMI FINANCIAL SERVICES (INDIA) LTD. stock overvalued or undervalued in 2026?
As of Sep 27, 2026, ABIRAFN trades above its calculated fair value: price ₹34.50, fair value ₹17.15, a gap of about −50% (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 ABIRAFN?
No. The price is what the market pays today (₹34.50); the fair value is what the company's own numbers justify (₹17.15). For ABIRAMI FINANCIAL SERVICES (INDIA) LTD. the two are ₹17.35 per share apart. That gap is exactly why we show both numbers side by side.
How much is ABIRAMI FINANCIAL SERVICES (INDIA) LTD. worth?
The market values ABIRAMI FINANCIAL SERVICES (INDIA) LTD. at about ₹186M (market capitalisation, as of Sep 27, 2026). Per share that is ₹34.50; our models calculate a fair value of ₹17.15 per share.
What do the bullish and bearish scenarios say about ABIRAFN?
Our models span a range for ABIRAMI FINANCIAL SERVICES (INDIA) LTD.: cautious scenario ₹9.25, base ₹17.15, optimistic ₹22.43 per share (as of Sep 27, 2026, price ₹34.50). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ABIRAFN?
ABIRAMI FINANCIAL SERVICES (INDIA) LTD. trades at a price-to-earnings ratio of 38.3 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹17.15 is built from several models across several years. Other multiples: P/B 1.0, P/S 14.4.
How solid is the balance sheet of ABIRAMI FINANCIAL SERVICES (INDIA) LTD. (ABIRAFN)?
Balance-sheet figures for ABIRAMI FINANCIAL SERVICES (INDIA) LTD. (as of Sep 27, 2026): return on equity 2.5%. They feed the Quality Score of 77/100, which measures business quality independently of the share price.
How far is ABIRAFN from its 52-week high?
ABIRAMI FINANCIAL SERVICES (INDIA) LTD. trades at ₹34.50, about 25% below its 52-week high of ₹45.90 and 25% above the low of ₹27.61 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹17.15 is for.
Which stocks are comparable to ABIRAMI FINANCIAL SERVICES (INDIA) LTD.?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, 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 ABIRAMI FINANCIAL SERVICES (INDIA) LTD. stock attractive at the current price?
The data as of Sep 27, 2026: price ₹34.50, calculated fair value ₹17.15 (−50%), Quality Score 77/100, from 6 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 ABIRAFN calculated?
We run ABIRAMI FINANCIAL SERVICES (INDIA) LTD. through 6 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 ₹17.15, 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. ABIRAMI FINANCIAL SERVICES (INDIA) LTD. 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 ABIRAMI FINANCIAL SERVICES (INDIA) LTD. (ABIRAFN)?
The closing price on Oct 1, 2026 was ₹34.50. Our model-based fair value is ₹17.15, about −50% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with ABIRAMI FINANCIAL SERVICES (INDIA) LTD. right now?
A high-quality business (quality 77/100), yet the market already pays well above fair value. Quality at a full price, with little margin of safety. The price sits above even our optimistic bull case (₹22.43). The favourable scenario is already priced in. 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 (₹9.25 to ₹22.43) leaves room in how you read the outcome.
Key figures of ABIRAMI FINANCIAL SERVICES (INDIA) LTD.
How large is the market capitalisation of ABIRAMI FINANCIAL SERVICES (INDIA) LTD. (ABIRAFN)?
The market capitalisation of ABIRAMI FINANCIAL SERVICES (INDIA) LTD. is ₹186M (≈ $1.9M). 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/S ratio of ABIRAMI FINANCIAL SERVICES (INDIA) LTD. (ABIRAFN)?
The price-to-sales ratio of ABIRAMI FINANCIAL SERVICES (INDIA) LTD. is 13.2 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of ABIRAMI FINANCIAL SERVICES (INDIA) LTD. (ABIRAFN)?
Earnings per share at ABIRAMI FINANCIAL SERVICES (INDIA) LTD. are ₹0.9000 (price ÷ EPS = P/E 38.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of ABIRAMI FINANCIAL SERVICES (INDIA) LTD. (ABIRAFN)?
The dividend yield of ABIRAMI FINANCIAL SERVICES (INDIA) LTD. is 4.3% (payout 167%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of ABIRAMI FINANCIAL SERVICES (INDIA) LTD. (ABIRAFN)?
The net margin of ABIRAMI FINANCIAL SERVICES (INDIA) LTD. is 37.7% (last twelve months). 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 ABIRAMI FINANCIAL SERVICES (INDIA) LTD. (ABIRAFN)?
The return on equity (ROE) of ABIRAMI FINANCIAL SERVICES (INDIA) LTD. is 2.5% (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 ABIRAMI FINANCIAL SERVICES (INDIA) LTD. (ABIRAFN)?
On an EBIT basis the return on assets of ABIRAMI FINANCIAL SERVICES (INDIA) LTD. is −4.4% (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.
What is the operating margin of ABIRAMI FINANCIAL SERVICES (INDIA) LTD. (ABIRAFN)?
The operating margin of ABIRAMI FINANCIAL SERVICES (INDIA) LTD. is 46.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at ABIRAMI FINANCIAL SERVICES (INDIA) LTD. (ABIRAFN)?
Revenue at ABIRAMI FINANCIAL SERVICES (INDIA) LTD. is growing −10.4% versus a year earlier. How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at ABIRAMI FINANCIAL SERVICES (INDIA) LTD. (ABIRAFN)?
Earnings per share at ABIRAMI FINANCIAL SERVICES (INDIA) LTD. are growing −21.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does ABIRAMI FINANCIAL SERVICES (INDIA) LTD. (ABIRAFN) generate?
The free cash flow of ABIRAMI FINANCIAL SERVICES (INDIA) LTD. is −₹4.4M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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