Abans Financial Services Limited (AFSL) fair value: what the stock is really worth
As of Sep 30, 2026: fair value of Abans Financial Services Limited ₹402, price ₹201, upside +100.0%, quality 57 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
45‑month range ₹171.56 – ₹607.35 · fair‑value band ₹269.70 – ₹559.29 · the ₹201.00 price screens below the ₹402.00 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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Abans Financial Services Limited, together with its subsidiaries, operates as a non-banking finance company in India and internationally. It operates through Fee Based Investment Services, Principal Investment & Treasury, and Lending & Credit Solutions segments.
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Abans Financial Services Limited, together with its subsidiaries, operates as a non-banking finance company in India and internationally. It operates through Fee Based Investment Services, Principal Investment & Treasury, and Lending & Credit Solutions segments. The company provides wealth and asset management services, including financial asset distribution, broking, lending, credit, investment solutions, asset and portfolio management, treasury operations, and allied activities. It also engages in trading of commodities, securities, and derivative contracts, as well as offers lending services to private traders, and other small and medium businesses involved in the commodities trading market. In addition, the company provides client-based institutional trading, wealth management and private client brokerage services in the areas of equity, commodities, and foreign exchange; invests in physical and exchange traded commodities, and other instruments; and offers warehousing services to commodity market participants. Additionally, it is involved in the trading of derivatives, agricultural products, base metals, and other precious metals; and provision of secured and unsecured loans. The company was formerly known as Abans Holdings Limited and changed its name to Abans Financial Services Limited in January 2025. Abans Financial Services Limited was incorporated in 2009 and is headquartered in Mumbai, India.
Stock analysis
Abans Financial Services Limited (AFSL) currently trades at ₹201.00, while our model-based Fair Value estimate is ₹402.00, implying the stock looks roughly 50.0% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of ₹1,146 per share, and 9 of the 11 models we run sit above the ₹201.00 price.
Bear case: the Asset-Based group reads lowest at ₹164.73, and 2 of the 11 models stay below the price. Evidence for this calculation is medium.
Scenario range: ₹269.70 (bear) to ₹559.29 (bull), the price of ₹201.00 sits below 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 57/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Abans Financial Services Limited reported revenue of ₹239B in FY2026 versus ₹5.8B in FY2022, a compound +152.8%/yr. Reported net income was ₹963M in FY2026, compounding +11.7%/yr from FY2022.
Key figures
Market cap ₹10.2B (≈ $107M) · P/E ratio 9.7 · P/S ratio 0.04 · EPS (TTM) ₹20.77 · Net margin 0.4% · Return on equity 8.4% · Return on assets (EBIT) 5.7% · Operating margin 0.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 7% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −18% fair-value upside, at 100%, AFSL screens cheaper than that median.
Fair Value models
Bear ₹269.70Fair Value ₹402.00Bull ₹559.29
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. Based on fiscal year 2026 figures (about 6 months old). Earnings retained since then (₹10.47 per share) are deliberately not added.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.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.85/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+631.3%
Revenue growth 3 years ⓘ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. Per-share growth (which does include buybacks) is in the value-creation card.
+176.4%
’22
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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 Abans Financial Services Limited with another stock
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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.Capital Markets · 464 stocks
Beats the industry median on 11/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score56 · Above median
Fair Value upside+100.0% · Top 25%
Profitability
Return on equity (TTM)8.4% · Above median
Return on assets3.4% · Above median
Net margin (TTM)0.4% · Bottom 25%
Operating margin (TTM)0.2% · Bottom 25%
Growth and dividend
Revenue growth718.9% · Top 25%
Balance sheet
Debt / equity0.03× · Below median
Valuation Multiplesvs Capital Markets median · lower = cheaper
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Is Abans Financial Services Limited (AFSL) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of ₹402.00 versus a price of ₹201.00, about +100% upside (undervalued).
What is the fair value of AFSL?
Our model-based fair value for Abans Financial Services Limited is ₹402.00 (as of Sep 27, 2026), built from audited fundamentals. The current price: ₹201.00.
What is the quality score of AFSL?
Abans Financial Services Limited has a Quality Score of 57/100. 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 Abans Financial Services Limited (AFSL)?
Our model-based price target is the fair value of ₹402.00 (as of Sep 27, 2026) from 11 valuation models. Cautious scenario ₹269.70, optimistic scenario ₹559.29. It is a calculation from audited fundamentals, not an analyst target.
What is the Abans Financial Services Limited stock forecast for 2026?
Our models put fair value at ₹402.00, about +100% upside versus a price of ₹201.00 (undervalued). Cautious scenario ₹269.70, optimistic scenario ₹559.29. The calculation is refreshed regularly with new filings.
What is the revenue of Abans Financial Services Limited (AFSL)?
Abans Financial Services Limited reported trailing-twelve-month revenue of about ₹239B (latest available figure, as of Sep 27, 2026).
What is the intrinsic value of Abans Financial Services Limited (AFSL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Abans Financial Services Limited it is ₹402.00 per share (as of Sep 27, 2026), against a price of ₹201.00. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is Abans Financial Services Limited stock overvalued or undervalued in 2026?
As of Sep 27, 2026, AFSL trades below its calculated fair value: price ₹201.00, fair value ₹402.00, a gap of about +100% (undervalued). 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 AFSL?
No. The price is what the market pays today (₹201.00); the fair value is what the company's own numbers justify (₹402.00). For Abans Financial Services Limited the two are ₹201.00 per share apart. That gap is exactly why we show both numbers side by side.
How much is Abans Financial Services Limited worth?
The market values Abans Financial Services Limited at about ₹10.2B (market capitalisation, as of Sep 27, 2026). Per share that is ₹201.00; our models calculate a fair value of ₹402.00 per share.
What do the bullish and bearish scenarios say about AFSL?
Our models span a range for Abans Financial Services Limited: cautious scenario ₹269.70, base ₹402.00, optimistic ₹559.29 per share (as of Sep 27, 2026, price ₹201.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of AFSL?
Abans Financial Services Limited trades at a price-to-earnings ratio of 9.7 (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 ₹402.00 is built from several models across several years. Other multiples: P/B 0.8, P/S 0.0, EV/EBITDA 2.8.
How solid is the balance sheet of Abans Financial Services Limited (AFSL)?
Balance-sheet figures for Abans Financial Services Limited (as of Sep 27, 2026): return on equity 8.4%, debt of 0.03 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is AFSL from its 52-week high?
Abans Financial Services Limited trades at ₹201.00, about 7% below its 52-week high of ₹216.74 and at the low of ₹201.00 (as of Sep 30, 2026). Distance from the high says nothing about value: that is what the fair value of ₹402.00 is for.
Which stocks are comparable to Abans Financial Services Limited?
From the same area (Financial Services) we also value Morgan Stanley, a financial holding company,, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers Group, 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 Abans Financial Services Limited stock attractive at the current price?
The data as of Sep 27, 2026: price ₹201.00, calculated fair value ₹402.00 (+100%), Quality Score 57/100, from 11 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 AFSL calculated?
We run Abans Financial Services Limited through 11 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 ₹402.00, 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 14.7 % above its aggregate fair value. Abans Financial Services Limited currently trades 50 % below its own fair value, and the market average says nothing about that. 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 Abans Financial Services Limited (AFSL)?
The closing price on Sep 30, 2026 was ₹201.00. Our model-based fair value is ₹402.00, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Abans Financial Services Limited right now?
The price is below even our cautious bear case (₹269.70). The market is more pessimistic than our downside scenario. Solid quality (57/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (₹269.70 to ₹559.29) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Abans Financial Services Limited
How large is the market capitalisation of Abans Financial Services Limited (AFSL)?
The market capitalisation of Abans Financial Services Limited is ₹10.2B (≈ $107M). 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 Abans Financial Services Limited (AFSL)?
The price-to-sales ratio of Abans Financial Services Limited is 0.04 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Abans Financial Services Limited (AFSL)?
Earnings per share at Abans Financial Services Limited are ₹20.77 (price ÷ EPS = P/E 9.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Abans Financial Services Limited (AFSL)?
The net margin of Abans Financial Services Limited is 0.4% (fiscal year 2026). 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 Abans Financial Services Limited (AFSL)?
The return on equity (ROE) of Abans Financial Services Limited is 8.4% (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 Abans Financial Services Limited (AFSL)?
On an EBIT basis the return on assets of Abans Financial Services Limited is 5.7% (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 Abans Financial Services Limited (AFSL)?
The operating margin of Abans Financial Services Limited is 0.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Abans Financial Services Limited (AFSL)?
Revenue at Abans Financial Services Limited is growing +719% versus a year earlier (3y avg +176%). 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 Abans Financial Services Limited (AFSL)?
Earnings per share at Abans Financial Services Limited are growing +27.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Abans Financial Services Limited (AFSL) generate?
The free cash flow of Abans Financial Services Limited is ₹4.9B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Abans Financial Services Limited (AFSL) carry?
The net debt of Abans Financial Services Limited is ₹1.5B (fiscal year 2026, ≈ 0.3 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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