CITIPORT FINANCIAL SERVICES LTD. (CITIPOR) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of CITIPORT FINANCIAL SERVICES LTD. ₹9.65, price ₹38.85, upside -75.2%, quality 68 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 ₹5.70 – ₹51.80 · fair‑value band ₹7.25 – ₹10.89 · the ₹38.85 price screens above the ₹9.65 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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Citiport Financial Services Limited, a non-banking financial company, engages in the credit and investment activities in India. The company was incorporated in 1992 and is based in Hyderabad, India.
Stock analysis
CITIPORT FINANCIAL SERVICES LTD. (CITIPOR) currently trades at ₹38.85, while our model-based Fair Value estimate is ₹9.65, 75.2% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of ₹35.49 per share, and 1 of the 10 models we run sit above the ₹38.85 price.
Bear case: the Growth DCF group reads lowest at ₹1.97, and 9 of the 10 models stay below the price. Evidence for this calculation is low.
Scenario range: ₹7.25 (bear) to ₹10.89 (bull), the price of ₹38.85 sits above 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 68/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
CITIPORT FINANCIAL SERVICES LTD. reported revenue of ₹7.8M in FY2026 versus ₹5.1M in FY2022, a compound +11.5%/yr. Reported net income was ₹3.1M in FY2026, compounding +92.3%/yr from FY2022.
Key figures
Market cap ₹120M (≈ $1.3M) · P/E ratio 36.7 · P/S ratio 14.7 · EPS (TTM) ₹1.06 · Net margin 40.2% · Return on equity 9.6% · Return on assets (EBIT) 2.2% · Operating margin 72.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 25% below its 52-week high and 113% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −22% fair-value upside, at −75%, CITIPOR screens richer than that median.
Fair Value models
Bear ₹7.25Fair Value ₹9.65Bull ₹10.89
Price ₹38.85 · Upside -75.2%
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 (₹0.5431 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.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+114.6%
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.
+41.8%
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.
+25.5%
Start year 2021 (pandemic)
’21
’22
’23
’24
’25
’26
What shareholders gained per year (last 5 years), in INR (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. 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.
+13.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+13.2%
Dividend (yield on the price)0.0%
Profit margin 2021 to 2026 ⓘ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.3% → 54%
2026 sits 1,077% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Growth Forecast
A lot of optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
more than +80 %
Yearly growth needed for the next five years to justify today's price.
Compare CITIPORT FINANCIAL SERVICES LTD. 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 · 54 stocks
Beats the industry median on 5/10 measures
A mixed picture versus its industry peers.
Valuation
Quality Score68 · Top 25%
Fair Value upside−75.2% · Bottom 25%
Profitability
Return on equity (TTM)9.6% · Above median
Return on assets5.9% · Top 25%
Net margin (TTM)48.8% · Top 25%
Operating margin (TTM)72.2% · Top 25%
Growth and dividend
Revenue growth12.3% · Below median
Valuation Multiplesvs Financial Conglomerates median · lower = cheaper
P/E (TTM)36.7× · Priciest 25%
P/B3.49× · Priciest 25%
P/S (TTM)17.75× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 9
FUTURE (revenue growth)62· sector 72
PAST (return on equity)38· sector 38
HEALTH (low debt)100· sector 84
DIVIDEND (yield)0· sector 60
VALUE 0: the price sits above our fair-value range.
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.
Is CITIPORT FINANCIAL SERVICES LTD. (CITIPOR) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of ₹9.65 versus a price of ₹38.85, about −75% upside (overvalued).
What is the fair value of CITIPOR?
Our model-based fair value for CITIPORT FINANCIAL SERVICES LTD. is ₹9.65 (as of Sep 27, 2026), built from audited fundamentals. The current price: ₹38.85.
What is the quality score of CITIPOR?
CITIPORT FINANCIAL SERVICES LTD. has a Quality Score of 68/100. 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 CITIPORT FINANCIAL SERVICES LTD. (CITIPOR)?
Our model-based price target is the fair value of ₹9.65 (as of Sep 27, 2026) from 10 valuation models. Cautious scenario ₹7.25, optimistic scenario ₹10.89. It is a calculation from audited fundamentals, not an analyst target.
What is the CITIPORT FINANCIAL SERVICES LTD. stock forecast for 2026?
Our models put fair value at ₹9.65, about −75% upside versus a price of ₹38.85 (overvalued). Cautious scenario ₹7.25, optimistic scenario ₹10.89. The calculation is refreshed regularly with new filings.
What is the revenue of CITIPORT FINANCIAL SERVICES LTD. (CITIPOR)?
CITIPORT FINANCIAL SERVICES LTD. reported trailing-twelve-month revenue of about ₹6.8M (latest available figure, as of Sep 27, 2026).
What growth is priced into CITIPORT FINANCIAL SERVICES LTD. (CITIPOR)?
For today's price to be fair in a discounted-cash-flow model, CITIPORT FINANCIAL SERVICES LTD. would have to grow free cash flow by more than 80 % per year for five years (discount rate 10.9 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +25.5 % per year. As of Sep 27, 2026.
What discount rate (WACC) does the fair value of CITIPOR use?
Our models discount CITIPORT FINANCIAL SERVICES LTD. at 10.9 %: a base by market capitalisation (nano), damped by beta 0.27, country premium for India. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For CITIPORT FINANCIAL SERVICES LTD. that is more than 80 % per year a year over ten years, using the same discount rate (10.9 %) and the same formula as our fair value.
How much growth has CITIPORT FINANCIAL SERVICES LTD. (CITIPOR) delivered so far?
Over the past 5 years revenue at CITIPORT FINANCIAL SERVICES LTD. grew +25.5 % a year. The price currently implies more than 80 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of CITIPORT FINANCIAL SERVICES LTD. (CITIPOR) growing?
The median revenue growth in the sector is +4.3 % a year. That is the yardstick for the growth priced into CITIPORT FINANCIAL SERVICES LTD. (more than 80 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of CITIPORT FINANCIAL SERVICES LTD. (CITIPOR)?
The free-cash-flow yield on the price is 0.17 %: that much free cash flow CITIPORT FINANCIAL SERVICES LTD. produces per unit of market value. When it exceeds the discount rate of our models (10.9 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of CITIPORT FINANCIAL SERVICES LTD. (CITIPOR)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For CITIPORT FINANCIAL SERVICES LTD. it is ₹9.65 per share (as of Sep 27, 2026), against a price of ₹38.85. It is the blended result of 10 valuation models (cash flow, earnings, asset, dividend).
Is CITIPORT FINANCIAL SERVICES LTD. stock overvalued or undervalued in 2026?
As of Sep 27, 2026, CITIPOR trades above its calculated fair value: price ₹38.85, fair value ₹9.65, a gap of about −75% (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 CITIPOR?
No. The price is what the market pays today (₹38.85); the fair value is what the company's own numbers justify (₹9.65). For CITIPORT FINANCIAL SERVICES LTD. the two are ₹29.20 per share apart. That gap is exactly why we show both numbers side by side.
How much is CITIPORT FINANCIAL SERVICES LTD. worth?
The market values CITIPORT FINANCIAL SERVICES LTD. at about ₹120M (market capitalisation, as of Sep 27, 2026). Per share that is ₹38.85; our models calculate a fair value of ₹9.65 per share.
What do the bullish and bearish scenarios say about CITIPOR?
Our models span a range for CITIPORT FINANCIAL SERVICES LTD.: cautious scenario ₹7.25, base ₹9.65, optimistic ₹10.89 per share (as of Sep 27, 2026, price ₹38.85). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CITIPOR?
CITIPORT FINANCIAL SERVICES LTD. trades at a price-to-earnings ratio of 36.7 (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 ₹9.65 is built from several models across several years. Other multiples: P/B 3.5, P/S 17.7.
How solid is the balance sheet of CITIPORT FINANCIAL SERVICES LTD. (CITIPOR)?
Balance-sheet figures for CITIPORT FINANCIAL SERVICES LTD. (as of Sep 27, 2026): return on equity 9.6%. They feed the Quality Score of 68/100, which measures business quality independently of the share price.
How far is CITIPOR from its 52-week high?
CITIPORT FINANCIAL SERVICES LTD. trades at ₹38.85, about 25% below its 52-week high of ₹51.80 and 113% above the low of ₹18.25 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹9.65 is for.
Which stocks are comparable to CITIPORT FINANCIAL SERVICES LTD.?
From the same area (Financial Services) we also value ORIX Corporation, Yuanta Financial Holding, Bajaj Finserv Ltd, China Galaxy 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 CITIPORT FINANCIAL SERVICES LTD. stock attractive at the current price?
The data as of Sep 27, 2026: price ₹38.85, calculated fair value ₹9.65 (−75%), Quality Score 68/100, from 10 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 CITIPOR calculated?
We run CITIPORT FINANCIAL SERVICES LTD. through 10 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 ₹9.65, 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 14.9 % above its aggregate fair value. CITIPORT FINANCIAL SERVICES LTD. 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 CITIPORT FINANCIAL SERVICES LTD. (CITIPOR)?
The closing price on Oct 1, 2026 was ₹38.85. Our model-based fair value is ₹9.65, about −75% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with CITIPORT FINANCIAL SERVICES LTD. right now?
The price sits above even our optimistic bull case (₹10.89). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (68/100) and above fair value, neither a clear bargain nor a standout compounder. 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 CITIPORT FINANCIAL SERVICES LTD.
How large is the market capitalisation of CITIPORT FINANCIAL SERVICES LTD. (CITIPOR)?
The market capitalisation of CITIPORT FINANCIAL SERVICES LTD. is ₹120M (≈ $1.3M). 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 CITIPORT FINANCIAL SERVICES LTD. (CITIPOR)?
The price-to-sales ratio of CITIPORT FINANCIAL SERVICES LTD. is 14.7 (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 CITIPORT FINANCIAL SERVICES LTD. (CITIPOR)?
Earnings per share at CITIPORT FINANCIAL SERVICES LTD. are ₹1.06 (price ÷ EPS = P/E 36.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of CITIPORT FINANCIAL SERVICES LTD. (CITIPOR)?
The net margin of CITIPORT FINANCIAL SERVICES LTD. is 40.2% (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 CITIPORT FINANCIAL SERVICES LTD. (CITIPOR)?
The return on equity (ROE) of CITIPORT FINANCIAL SERVICES LTD. is 9.6% (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 CITIPORT FINANCIAL SERVICES LTD. (CITIPOR)?
On an EBIT basis the return on assets of CITIPORT FINANCIAL SERVICES LTD. is 2.2% (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 CITIPORT FINANCIAL SERVICES LTD. (CITIPOR)?
The operating margin of CITIPORT FINANCIAL SERVICES LTD. is 72.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at CITIPORT FINANCIAL SERVICES LTD. (CITIPOR)?
Revenue at CITIPORT FINANCIAL SERVICES LTD. is growing +12.3% versus a year earlier (3y avg +41.8%). 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 CITIPORT FINANCIAL SERVICES LTD. (CITIPOR)?
Earnings per share at CITIPORT FINANCIAL SERVICES LTD. are growing +20.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does CITIPORT FINANCIAL SERVICES LTD. (CITIPOR) carry?
The net debt of CITIPORT FINANCIAL SERVICES LTD. is ₹18.4M (fiscal year 2026, ≈ 90.2 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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