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CarTrade Tech Limited (CARTRADE) Fair Value & Analysis

Consumer Cyclical · IN · Market cap ₹129B

CT CarTrade Tech Limited CARTRADE · NSE
Price₹2,715
Fair Value₹789.41
Upside-70.9%
Quality79/100
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Healthy Growth
Highly profitable · 28.6% net margin
generates free cash flow
Mixed vs. peers (7/12)
Wide moat 65/100
Evidence: Medium Range ₹592.06 – ₹986.76 Share as image

Fair value as of: Aug 2, 2026

From 26 valuation models · updated 11 days ago

Share price −3.0% over the past month.

A strong business, but screening 71% overvalued on our models.

What matters now

  • A high-quality business (quality 79/100), 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 (₹986.76). The favourable scenario is already priced in.
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Price vs Fair Value (5 years)

₹3,268 ₹347.90 Fair Value ₹789.41 Aug 2021 Aug 2026

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

60‑month range ₹347.90 – ₹3,268 · fair‑value band ₹592.06 – ₹986.76 · the ₹2,715 price screens above the ₹789.41 fair value. Dashed = 300-day average. As of Aug 2, 2026.

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Analysis

CarTrade Tech Limited (CARTRADE) currently trades at ₹2,715, while our model-based Fair Value estimate is ₹789.41, implying the stock looks roughly 70.9% overvalued today. The Quality Score stands at 79/100 (high quality), in the Consumer Cyclical 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: medium).

Over the trailing twelve months, CarTrade Tech Limited generated revenue of ₹7.8B at a net margin of 28.6%. Revenue grew 19.8% year over year. It earns a return on equity of 9.9%. Net debt stands at ₹992M. Fundamentals as of Aug 2, 2026

Our scenario range runs from ₹592.06 (bear case) to ₹986.76 (bull case); at ₹2,715, 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 18% below its 52-week high and 70% above its 52-week low, currently above its 200-day average. For context, the median of 10 Consumer Cyclical peers we cover trades at -14% fair-value upside, at -71%, CARTRADE 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.

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. Evidence
Highest evidence
Residual Income ₹439.90 ₹480.48 ₹700.54 76
Growth DCF ₹768.00 ₹1,421 ₹2,741 72
Gordon GGM ₹10.22 ₹21.26 ₹33.73 70
All 26 models by family
DCF Models
FCF DCF ₹815.99 ₹1,279 ₹2,754 38
Owner Earnings ₹776.98 ₹1,757 ₹3,815 31
5Y Revenue Exit ₹339.90 ₹492.03 ₹802.94 39
5Y EBITDA Exit ₹593.35 ₹1,005 ₹1,809 41
5Y P/E Exit ₹808.26 ₹1,798 ₹3,147 38
10Y Revenue Exit ₹477.59 ₹829.44 ₹987.74 36
10Y EBITDA Exit ₹668.72 ₹1,375 ₹2,574 37
10Y P/E Exit ₹825.53 ₹1,838 ₹3,503 35
Earnings-Based
Graham-Dodd ₹315.76 ₹2,202 ₹3,090 54
Lynch FV ₹815.23 ₹1,165 ₹1,514 50
PEG = 1.0 ₹815.23 ₹1,165 ₹1,514 46
EPV ₹349.67 ₹406.52 ₹456.26 59
Dividend Discount
Gordon GGM ₹10.22 ₹21.26 ₹33.73 70
DDM Multi-Stage ₹10.22 ₹17.93 ₹22.31 61
Multiples
P/E Multiple ₹766.19 ₹1,022 ₹1,277 63
P/S Multiple ₹146.04 ₹194.72 ₹243.40 58
P/B Multiple ₹592.06 ₹789.41 ₹986.76 55
EV/EBIT ₹622.29 ₹826.86 ₹1,031 53
EV/EBITDA ₹490.22 ₹650.77 ₹811.31 54
EV/Revenue ₹144.89 ₹203.30 ₹261.72 43
Asset-Based
NCAV (Graham) ₹258.56 ₹346.47 ₹517.12 50
Growth DCF
Growth DCF ₹768.00 ₹1,421 ₹2,741 72
Rev-Margin DCF ₹340.16 ₹563.19 ₹976.72 67
Economic Profit
Residual Income ₹439.90 ₹480.48 ₹700.54 76
ROIC Compounder ₹349.67 ₹406.52 ₹456.26 67
Growth Earnings
Growth-Adj P/E ₹1,065 ₹1,522 ₹1,979 68

Widest divergence: Growth Earnings (₹1,522) versus Dividend Discount (₹17.93). Highest evidence: Residual Income (76).

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Key figures & financial health

Revenue (TTM) ₹7.8B
Revenue growth (YoY) +19.8%
Net margin 28.6%
Return on equity 9.9%
Free cash flow ₹2.3B FY2026
P/E ratio 60.1
More key figures
Operating margin 29.9%
EPS (TTM) ₹44.73
EPS growth (YoY) +57.3%
Net debt ₹992M FY2026

Figures from reported company fundamentals · as of Aug 2, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 79/100

Of which business quality 76 · Market factors (momentum, volatility) 66

Profitability 50
Margins and returns on capital today
Quality Growth 85
Are margins and returns improving?
Cashflow 84
Earnings quality: real cash, not paper profit
Fin. Strength 81
Balance sheet, leverage, solvency risk
Investment 72
Disciplined investing over empire-building
Low Volatility 55
Calm price path (market factor)
Momentum 74
Price trend over the last 3–12 months (market factor)
52W Momentum 65
Distance to the 52-week high (market factor)
Net Issuance 93
Buybacks instead of dilution

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

CarTrade Tech Limited operates a multi-channel online automotive platform in India and internationally. The company provides services, including buying, selling, marketing, valuation, and financing of new and pre-owned vehicles.

Full company description

CarTrade Tech Limited operates a multi-channel online automotive platform in India and internationally. The company provides services, including buying, selling, marketing, valuation, and financing of new and pre-owned vehicles. It also offers new car original equipment manufacturers (OEM) solutions that provides OEMs with consumer insights and data-driven solutions for building their digital marketing strategies; new car dealer solutions, which offers customers content and research tools, such as car reviews, on road prices, car specifications, car images, car finance offers, and others; used car dealer solutions to buy and sell used cars; and technology solutions for OEMs and dealers, including dealer management systems and auto finance solutions. In addition, the company provides new two-wheeler OEM and dealer solutions; online and offline auctioning of vehicles comprising cars, bikes, trucks, farm equipment, and construction equipment; inspection and valuation services for banks and insurance companies; and technology solutions to OEMs, dealers, banks, NBFCs, insurance companies, leasing companies, fleet owners, etc. to inspect and valuate vehicles. Further, it operates a platform that offers smart, safe and convenient way to buy and sell cars, find housing, get jobs, buy and sell household goods, under the OLX India brand name. The company offers its services under the CarWale, Shriram Automall, Adroit Auto, BikeWale, CarTrade, DriveASmile, Cartrade Infotech, CarTrade Ventures, Mobility Outlook, and CarWale abSure brands. CarTrade Tech Limited was incorporated in 2000 and is based in Navi Mumbai, India.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

CarTrade Tech Limited reported revenue of ₹7.8B in FY2026 versus ₹3.1B in FY2022, a compound +25.6%/yr. Reported net income was ₹2.2B in FY2026.

Growth Quality 95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Latest Revenue (FY 2026)
₹7.8B
Latest YoY
+21.5%
Avg. growth/yr (3Y) 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.
+28.9%
Avg. growth/yr (5Y) 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.
+25.6%
Avg. growth/yr (9Y) 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.
+29.1%
Revenue +25.6%/yr
FY22 ₹3.1B
FY23 ₹3.6B
FY24 ₹4.9B
FY25 ₹6.4B
FY26 ₹7.8B
Net income
FY22 −₹1.3B
FY23 ₹340M
FY24 ₹143M
FY25 ₹1.3B
FY26 ₹2.2B

CARTRADE screens 71% overvalued. Compare with Carvana Co →

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Cite: Fair Value Calculator (2026). "CarTrade Tech Limited Fair Value". https://www.fairvalue-calculator.com/stock/CARTRADE

Peer Group

Auto & Truck Dealerships · 104 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.

Quality Score 79 · Top 25%
Fair Value upside −71% · Bottom 25%
Return on equity (TTM) 10% · Above median
Return on assets 5% · Top 25%
Net margin (TTM) 29% · Top 25%
Operating margin (TTM) 30% · Top 25%
Revenue growth 20% · Top 25%

Valuation Multiples vs Auto & Truck Dealerships median · lower = cheaper

P/E (TTM) 60.1× · Pricier than 75% of peers
P/B 5.20× · Pricier than 75% of peers
P/S (TTM) 16.57× · Pricier than 75% of peers
P/FCF 0.6× · Cheaper than median
EV/EBITDA 50.1× · Pricier than 75% of peers

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 · sector 24
FUTURE 99 · sector 8
PAST 39 · sector 19
HEALTH 0 · sector 90
DIVIDEND 0 · sector 49

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.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Auto & Truck Dealerships stocks, each showing price versus our Fair Value estimate (as of Aug 2, 2026).

Stock Price Fair Value vs Fair Value
Carvana Co CVNA $70.38 $24.58 -65%
Penske Automotive Group PAG $202.66 $241.86 +19%
Hotai Motor Co 2207 476.50 TWD 576.75 TWD +21%
CarMax, Inc KMX $58.47 $29.62 -49%
Lithia Motors, Inc LAD $339.16 $610.95 +80%
AutoNation, Inc AN $205.72 $329.77 +60%
Rush Enterprises, Inc RUSHA $76.89 $66.27 -14%
Valvoline Inc VVV $38.64 $24.57 -36%
OPENLANE, Inc OPLN $39.46 $33.81 -14%
Eagers Automotive Limited APE A$20.83 A$17.66 -15%

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Frequently asked questions

Is CarTrade Tech Limited (CARTRADE) overvalued or undervalued?
As of Aug 2, 2026, our model estimates a fair value of ₹789.41 versus a price of ₹2,715, about −71% (overvalued).
What is the fair value of CARTRADE?
Our model-based fair value for CarTrade Tech Limited is ₹789.41 (as of Aug 2, 2026), built from audited fundamentals. The current price is ₹2,715.
What is the quality score of CARTRADE?
CarTrade Tech Limited has a Quality Score of 79/100. 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 revenue of CarTrade Tech Limited (CARTRADE)?
CarTrade Tech Limited reported trailing-twelve-month revenue of about ₹7.8B (latest available figure, as of Aug 2, 2026).
What is the net profit margin of CARTRADE?
The net profit margin of CarTrade Tech Limited is about 28.6%, meaning it keeps roughly 28.6% 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.

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