ANJANI FINANCE LTD. (ANJANIFIN) Fair Value & Analysis
Financial Services · IN · Market cap ₹92.4M
Fair value as of: Aug 13, 2026
From 9 valuation models · updated 5 days ago
Fair value updated Aug 13, 2026, revised from ₹3.14 to ₹2.04 (−35.0%) since Aug 11, 2026. Share price −5.2% over the past month.
A solid business, but screening 76% overvalued on our models.
What matters now
- A high-quality business (quality 72/100), 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 (₹2.55). The favourable scenario is already priced in.
- 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 (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range ₹3.75 – ₹17.65 · fair‑value band ₹1.53 – ₹2.55 · the ₹8.64 price screens above the ₹2.04 fair value. Dashed = 300-day average. As of Aug 13, 2026.
Analysis
ANJANI FINANCE LTD. (ANJANIFIN) currently trades at ₹8.64, while our model-based Fair Value estimate is ₹2.04, implying the stock looks roughly 76.4% overvalued today. The Quality Score stands at 72/100 (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: high).
Over the trailing twelve months, ANJANI FINANCE LTD. generated revenue of ₹5.2M at a net margin of 30.5%. Revenue declined 54.8% year over year. It earns a return on equity of 1.1%. Net debt stands at ₹15.3M. Fundamentals as of Aug 13, 2026
Our scenario range runs from ₹1.53 (bear case) to ₹2.55 (bull case); at ₹8.64, the current price sits above 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 40% below its 52-week high and 15% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -45% fair-value upside, at -76%, ANJANIFIN screens richer 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 9 models by family
Widest divergence: Asset-Based (₹10.11) versus Earnings-Based (₹1.30). Highest evidence: Growth DCF (80).
Notify me when ANJANIFIN reaches fair value
Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 69 · Market factors (momentum, volatility) 24
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
Anjani Finance Limited, a non-banking finance company, provides various financial services in India. The company offers secured and unsecured loans to companies, firms, limited liability partnerships, and other parties; and finance services to new and old vehicles, as well as loan take over services. It also generates wind energy.
Full company description
Anjani Finance Limited, a non-banking finance company, provides various financial services in India. The company offers secured and unsecured loans to companies, firms, limited liability partnerships, and other parties; and finance services to new and old vehicles, as well as loan take over services. It also generates wind energy. The company was formerly known as Gujrat Gaurantee and Financial Ltd. and changed its name to Anjani Finance Limited in 2001. Anjani Finance Limited was incorporated in 1989 and is based in Indore, India.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
ANJANI FINANCE LTD. reported revenue of ₹5.2M in FY2026 versus ₹13.9M in FY2022, a compound −21.8%/yr. Reported net income was ₹1.6M in FY2026.
ANJANIFIN screens 76% overvalued. Compare with Visa Inc →
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.
VALUE 0: the price sits above our fair-value range.
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 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $359.42 | $198.27 | -45% |
| Mastercard Incorporated MA | $561.44 | $221.87 | -60% |
| Bajaj Finance Limited BAJFINANCE | ₹1,093 | ₹397.70 | -64% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,117 | ₹553.83 | -50% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,918 | ₹796.52 | -58% |
| Tata Capital Limited TATACAP | ₹367.05 | ₹149.40 | -59% |
| Power Finance Corporation PFC | ₹376.50 | ₹615.85 | +64% |
| Muthoot Finance Limited MUTHOOTFIN | ₹2,876 | ₹3,429 | +19% |
| Indian Railway Finance Corporation IRFC | ₹88.35 | ₹69.72 | -21% |
| REC Limited RECLTD | ₹346.00 | ₹692.00 | +100% |
Compare ANJANI FINANCE LTD. with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is ANJANI FINANCE LTD. (ANJANIFIN) overvalued or undervalued?
What is the fair value of ANJANIFIN?
What is the quality score of ANJANIFIN?
What is the revenue of ANJANI FINANCE LTD. (ANJANIFIN)?
What is the net profit margin of ANJANIFIN?
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.
Track ANJANI FINANCE LTD. and try Pro for 14 days
One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.
Zero risk: nothing is ever charged. After 14 days you decide whether to stay.