COMFORT FINCAP LTD. (COMFINCAP) Fair Value & Analysis
Financial Services · IN · Market cap ₹704M
Fair value as of: Aug 13, 2026
From 9 valuation models · updated 6 days ago
A solid business, screening 16% undervalued on our models.
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- Our model range runs from ₹6.33 (bear) to ₹10.55 (bull), base ₹8.44. The closer the price sits to the lower half, the larger the margin of safety.
- Quality 54/100 (solid quality) with high evidence: the data supports the verdict.
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 ₹1.45 – ₹22.58 · fair‑value band ₹6.33 – ₹10.55 · the ₹7.27 price screens below the ₹8.44 fair value. Dashed = 300-day average. As of Aug 13, 2026.
Analysis
COMFORT FINCAP LTD. (COMFINCAP) currently trades at ₹7.27, while our model-based Fair Value estimate is ₹8.44, implying the stock looks roughly 16.1% undervalued today. The Quality Score stands at 54/100 (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, COMFORT FINCAP LTD. generated revenue of ₹162M at a net margin of 46.4%. Revenue grew 37.4% year over year. It earns a return on equity of 8.0%. Net debt stands at ₹31.4M. Fundamentals as of Aug 13, 2026
Our scenario range runs from ₹6.33 (bear case) to ₹10.55 (bull case); at ₹7.27, the current price sits within 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 22% below its 52-week high and 20% 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 16%, COMFINCAP screens cheaper 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: Growth DCF (₹22.12) versus Asset-Based (₹6.84). Highest evidence: Growth DCF (80).
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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 52 · Market factors (momentum, volatility) 43
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
Comfort Fincap Limited operates as a non-banking finance company in India. The company offers loans against shares and securities, loans against properties, inter corporate loans, personal loans, mortgage loans, auto loans, home improvement loans, business loans, car loans, gold loans, promotor funding, margin funding, IPO financing, ESOP financing, …
Full company description
Comfort Fincap Limited operates as a non-banking finance company in India. The company offers loans against shares and securities, loans against properties, inter corporate loans, personal loans, mortgage loans, auto loans, home improvement loans, business loans, car loans, gold loans, promotor funding, margin funding, IPO financing, ESOP financing, machinery financing, trade financing, and bills discounting services. It also engages in the trading of shares and securities; and arbitrage business in stock and commodity market. The company was formerly known as Parasnath Textiles Limited and changed its name to Comfort Fincap Limited in June 2011. Comfort Fincap Limited was incorporated in 1982 and is based in Mumbai, India.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
COMFORT FINCAP LTD. reported revenue of ₹161M in FY2026 versus ₹119M in FY2022, a compound +7.9%/yr. Reported net income was ₹74.9M in FY2026, compounding +14.1%/yr from FY2022.
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Peer Group
Credit Services · 336 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.
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 | ₹1,866 | ₹796.47 | -57% |
| 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% |
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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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