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AFSL (AFSL) Fair Value & Analysis

Financial Services · Market cap ₹10.2B

A AFSL AFSL · NSE
Price₹201.15
Fair Value₹322.08
Upside+60.1%
Quality57/100
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Evidence: High Range ₹241.56 – ₹402.59

Fair value as of: Jul 3, 2026

From 24 valuation models · updated today

Price vs Fair Value (12 months)

₹255.66 ₹201.00 Fair Value ₹322.08 Jul 2025 Jul 2026

12‑month range ₹201.00 – ₹255.66 · fair‑value band ₹241.56 – ₹402.59 · the ₹201.15 price screens below the ₹322.08 fair value. As of Jul 3, 2026.

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Analysis

AFSL (AFSL) currently trades at ₹201.15, while our model-based Fair Value estimate is ₹322.08 — implying the stock looks roughly 60.1% undervalued today. We read business quality at 57/100 (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, AFSL generated revenue of ₹239B at a net margin of 0.4%. It earns a return on equity of 8.4%. Net debt stands at ₹1.5B. The stock trades on a trailing P/E of 9.7. Fundamentals as of Jul 3, 2026

Key figures & financial health

Revenue (TTM) ₹239B
Revenue growth (YoY) +719%
Net margin 0.4%
Return on equity 8.4%
Free cash flow ₹4.9B FY2026
P/E ratio 9.7
More key figures
Operating margin 0.2%
EPS (TTM) ₹20.77
EPS growth (YoY) +27.7%
Net debt ₹1.5B FY2026

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

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

AFSL 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.

Revenue +152.8%/yr
FY22 ₹5.8B
FY23 ₹11.3B
FY24 ₹13.4B
FY25 ₹32.7B
FY26 ₹239B
Net income +11.7%/yr
FY22 ₹618M
FY23 ₹703M
FY24 ₹892M
FY25 ₹1.1B
FY26 ₹963M

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Frequently asked questions

Is AFSL (AFSL) undervalued?
As of Jul 3, 2026, our model estimates a fair value of ₹322.08 versus a price of ₹201.15 — about +60% (undervalued). Model-based estimate, not financial advice.
What is the fair value of AFSL?
Our model-based fair value for AFSL is ₹322.08 (as of Jul 3, 2026), built from audited fundamentals. The current price is ₹201.15.
What is the quality score of AFSL?
AFSL has a Quality Score of 57/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of AFSL (AFSL)?
AFSL reported trailing-twelve-month revenue of about ₹239B (latest available figure, as of Jul 3, 2026).
What is the net profit margin of AFSL?
The net profit margin of AFSL is about 0.4%, meaning it keeps roughly 0.4% 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.