Centrum Capital Limited (CENTRUM) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of Centrum Capital Limited ₹15.21, price ₹21.24, upside -28.4%, quality 26 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
60‑month range ₹17.90 – ₹52.75 · fair‑value band ₹3.95 – ₹26.65 · the ₹21.24 price screens above the ₹15.21 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 27, 2026.
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Centrum Capital Limited, together with its subsidiaries, provides various financial services for institutions and individuals in India and internationally. It operates through Banking Business; Institutional Business; Wealth Management & Distribution; and Housing Finance Business segments.
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Centrum Capital Limited, together with its subsidiaries, provides various financial services for institutions and individuals in India and internationally. It operates through Banking Business; Institutional Business; Wealth Management & Distribution; and Housing Finance Business segments. The company offers investment banking services, including equity initial public offerings (IPO), follow-on public offerings and rights issues, pre-IPO placements, qualified institutional placements, American depository receipts, global depository receipts, alternative investment markets, convertible issuances, buybacks and delisting, open offers, and valuation advisory services; working capital, project finance, term/corporate loans, and external commercial borrowings/foreign currency loans; and mergers and acquisitions, structured finance advisory, and private equity advisory services, as well as infrastructure advisory services. It also provides home and non-home loans; distribution services, tax and financial planning, family legacy and leadership, philanthropy, trust and estate, and ancillary services; corporate treasury services; stock broking services; general, travel, health, and life insurance services; private credit and venture debt funding services; and portfolio management and wealth management and retail broking services. In addition, the company offers institutional equities and research services, as well as trades in bonds. Further, it offers MSME loans and micro finance services. Centrum Capital Limited was incorporated in 1977 and is based in Mumbai, India.
Stock analysis
Centrum Capital Limited (CENTRUM) currently trades at ₹21.24, while our model-based Fair Value estimate is ₹15.21, implying the stock looks roughly 39.6% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of ₹94.12 per share, and 5 of the 6 models we run sit above the ₹21.24 price.
Bear case: the Asset-Based group reads lowest at ₹4.40, and 1 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: ₹3.95 (bear) to ₹26.65 (bull), the price of ₹21.24 sits inside 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 26/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Centrum Capital Limited reported revenue of ₹43.3B in FY2026 versus ₹6.7B in FY2022, a compound +59.6%/yr. Reported net income was −₹1.4B in FY2026.
Key figures
Market cap ₹10.4B (≈ $109M) · P/S ratio 1.49 · EPS (TTM) ₹−3.13 · Net margin −3.2% · Return on equity −19.1% · Return on assets (EBIT) 1.9% · Operating margin −119% · Revenue growth (YoY) −25.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (medium confidence).
What moves the price
The share trades about 40% below its 52-week high and 4% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −17% fair-value upside, at −28%, CENTRUM screens richer than that median.
Fair Value models
Bear ₹3.95Fair Value ₹15.21Bull ₹26.65
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.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.44/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+60.9%
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.
+52.8%
Revenue growth 5 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.
+56.0%
Start year 2021 (pandemic). Over 10 years: +0.8% a year
Revenue growth 20 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.
+8.5%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−11.5% (2020) → 31.4% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2026 is a loss year, no rate is defined from a loss
Compare Centrum Capital Limited with another stock
Price, fair value, quality and upside side by side.
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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.Financial Conglomerates · 57 stocks
Beats the industry median on 1/8 measures
Overall it trails its industry peers.
Valuation
Quality Score28 · Bottom 25%
Fair Value upside−28.4% · Below median
Profitability
Return on assets−1.3% · Bottom 25%
Net margin (TTM)−19.8% · Bottom 25%
Operating margin (TTM)−119.1% · Bottom 25%
Growth and dividend
Revenue growth−25.9% · Bottom 25%
Balance sheet
Debt / equity13.82× · Highest 25%
Valuation Multiplesvs Financial Conglomerates median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Centrum Capital Limited Fair Value". https://www.fairvalue-calculator.com/stock/CENTRUM
Frequently asked questions
Is Centrum Capital Limited (CENTRUM) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of ₹15.21 versus a price of ₹21.24, about −28% upside (overvalued).
What is the fair value of CENTRUM?
Our model-based fair value for Centrum Capital Limited is ₹15.21 (as of Sep 27, 2026), built from audited fundamentals. The current price: ₹21.24.
What is the quality score of CENTRUM?
Centrum Capital Limited has a Quality Score of 26/100. 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 Centrum Capital Limited (CENTRUM)?
Our model-based price target is the fair value of ₹15.21 (as of Sep 27, 2026) from 6 valuation models. Cautious scenario ₹3.95, optimistic scenario ₹26.65. It is a calculation from audited fundamentals, not an analyst target.
What is the Centrum Capital Limited stock forecast for 2026?
Our models put fair value at ₹15.21, about −28% upside versus a price of ₹21.24 (overvalued). Cautious scenario ₹3.95, optimistic scenario ₹26.65. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Centrum Capital Limited (CENTRUM)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Centrum Capital Limited it is ₹15.21 per share (as of Sep 27, 2026), against a price of ₹21.24. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Centrum Capital Limited stock overvalued or undervalued in 2026?
As of Sep 27, 2026, CENTRUM trades above its calculated fair value: price ₹21.24, fair value ₹15.21, a gap of about −28% (overvalued). 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 CENTRUM?
No. The price is what the market pays today (₹21.24); the fair value is what the company's own numbers justify (₹15.21). For Centrum Capital Limited the two are ₹6.03 per share apart. That gap is exactly why we show both numbers side by side.
How much is Centrum Capital Limited worth?
The market values Centrum Capital Limited at about ₹10.4B (market capitalisation, as of Sep 27, 2026). Per share that is ₹21.24; our models calculate a fair value of ₹15.21 per share.
What do the bullish and bearish scenarios say about CENTRUM?
Our models span a range for Centrum Capital Limited: cautious scenario ₹3.95, base ₹15.21, optimistic ₹26.65 per share (as of Sep 27, 2026, price ₹21.24). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Centrum Capital Limited (CENTRUM)?
Balance-sheet figures for Centrum Capital Limited (as of Sep 27, 2026): return on equity −19.1%, debt of 13.82 per unit of equity. They feed the Quality Score of 26/100, which measures business quality independently of the share price.
How far is CENTRUM from its 52-week high?
Centrum Capital Limited trades at ₹21.24, about 40% below its 52-week high of ₹35.53 and 4% above the low of ₹20.38 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of ₹15.21 is for.
Which stocks are comparable to Centrum Capital Limited?
From the same area (Financial Services) we also value ORIX Corporation, Bajaj Finserv Ltd, China Galaxy Securities Co, Guosen Securities Co, 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 Centrum Capital Limited stock attractive at the current price?
The data as of Sep 27, 2026: price ₹21.24, calculated fair value ₹15.21 (−28%), Quality Score 26/100, from 6 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 CENTRUM calculated?
We run Centrum Capital Limited through 6 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 ₹15.21, 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 13.9 % above its aggregate fair value. Centrum Capital Limited itself currently trades above fair value. 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 Centrum Capital Limited (CENTRUM)?
The closing price on Sep 25, 2026 was ₹21.24. Our model-based fair value is ₹15.21, about −28% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Centrum Capital Limited right now?
Weak quality (26/100) and above fair value at the same time, the margin of safety is missing on both counts. The model range is unusually wide (₹3.95 to ₹26.65). The outcome hinges heavily on assumptions, so read the point estimate with caution. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. 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 Centrum Capital Limited
How large is the market capitalisation of Centrum Capital Limited (CENTRUM)?
The market capitalisation of Centrum Capital Limited is ₹10.4B (≈ $109M). 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 Centrum Capital Limited (CENTRUM)?
The price-to-sales ratio of Centrum Capital Limited is 1.49 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Centrum Capital Limited (CENTRUM)?
Earnings per share at Centrum Capital Limited are ₹−3.13. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Centrum Capital Limited (CENTRUM)?
The net margin of Centrum Capital Limited is −3.2% (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 Centrum Capital Limited (CENTRUM)?
The return on equity (ROE) of Centrum Capital Limited is −19.1% (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 Centrum Capital Limited (CENTRUM)?
On an EBIT basis the return on assets of Centrum Capital Limited is 1.9% (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 Centrum Capital Limited (CENTRUM)?
The operating margin of Centrum Capital Limited is −119% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Centrum Capital Limited (CENTRUM)?
Revenue at Centrum Capital Limited is growing −25.9% versus a year earlier (3y avg +52.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Centrum Capital Limited (CENTRUM) generate?
The free cash flow of Centrum Capital Limited is −₹25.0B (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 Centrum Capital Limited (CENTRUM) carry?
The net debt of Centrum Capital Limited is ₹148B (fiscal year 2026). 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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