Akme Fintrade (India) Limited (AFIL) Fair Value & Analysis
Financial Services · IN · Market cap ₹6.0B
Fair value as of: Aug 2, 2026
From 11 valuation models · updated 11 days ago
Fair value updated Aug 2, 2026, revised from ₹14.58 to ₹13.57 (−6.9%) since Jun 29, 2026. Share price +2.3% over the past month.
A solid business, screening 39% undervalued on our models.
What matters now
- The model range is unusually wide (₹5.79 to ₹18.23). The outcome hinges heavily on assumptions, so read the point estimate with caution.
- Solid quality (50/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (2 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 2, 2026.
How to read this chart
26‑month range ₹4.88 – ₹1,000,000 · fair‑value band ₹5.79 – ₹18.23 · the ₹9.75 price screens below the ₹13.57 fair value. Dashed = 300-day average. As of Aug 2, 2026.
Analysis
Akme Fintrade (India) Limited (AFIL) currently trades at ₹9.75, while our model-based Fair Value estimate is ₹13.57, implying the stock looks roughly 39.2% undervalued today. The Quality Score stands at 50/100 (solid quality), in the Financial Services 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.
Over the trailing twelve months, Akme Fintrade (India) Limited generated revenue of ₹837M at a net margin of 50.5%. Revenue grew 46.6% year over year. It earns a return on equity of 10.5%. Net debt stands at ₹4.0B. Fundamentals as of Aug 2, 2026
Our scenario range runs from ₹5.79 (bear case) to ₹18.23 (bull case); at ₹9.75, 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 12% below its 52-week high and 149% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at 39%, AFIL screens cheaper 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.
All 11 models by family
Widest divergence: Earnings-Based (₹25.20) versus Growth DCF (₹3.70). Highest evidence: Growth DCF (80).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 2, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 50 · Market factors (momentum, volatility) 64
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.
About the company
Akme Fintrade (India) Limited, a non-banking financial company, provides lending services in India. The company offers two-wheeler, four-wheeler, old vehicle, business, solar rooftop, mahila udyog, farm equipment, corporate, and working capital loans, as well as provides loan against property.
Full company description
Akme Fintrade (India) Limited, a non-banking financial company, provides lending services in India. The company offers two-wheeler, four-wheeler, old vehicle, business, solar rooftop, mahila udyog, farm equipment, corporate, and working capital loans, as well as provides loan against property. Akme Fintrade (India) Limited was founded in 1995 and is based in Udaipur, India.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Akme Fintrade (India) Limited reported revenue of ₹1.5B in FY2026 versus ₹668M in FY2022, a compound +22.2%/yr. Reported net income was ₹423M in FY2026, compounding +79.0%/yr from FY2022.
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Peer Group
Credit Services · 334 stocks
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.
Valuation Multiples vs Credit Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 2, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $348.97 | $204.19 | -41% |
| Mastercard Incorporated MA | $537.70 | $221.87 | -59% |
| American Express Company AXP | $358.44 | $206.40 | -42% |
| Bajaj Finance Limited BAJFINANCE | ₹1,056 | ₹397.61 | -62% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,024 | ₹553.83 | -46% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,808 | ₹796.52 | -56% |
| Tata Capital Limited TATACAP | ₹360.60 | ₹229.85 | -36% |
| Power Finance Corporation PFC | ₹405.10 | ₹810.20 | +100% |
| Muthoot Finance Limited MUTHOOTFIN | ₹3,129 | ₹3,463 | +11% |
| Indian Railway Finance Corporation IRFC | ₹88.41 | ₹69.72 | -21% |
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Frequently asked questions
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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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