Consolidated Finvest & Holdings Limited (CONSOFINVT) fair value: what the stock is really worth
As of Nov 9, 2026: fair value (intrinsic value) of Consolidated Finvest & Holdings Limited stock ₹305, price ₹320, that is 4.8% below the price, quality 50 out of 100. Rating: fairly valued. Calculated from audited financials with 2 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 11, 2026.
How to read this chart
60‑month range ₹94.61 – ₹330.12 · fair‑value band ₹228.64 – ₹381.06 · the ₹320.15 price screens above the ₹304.85 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 11, 2026.
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Consolidated Finvest & Holdings Limited, a non-banking financial company, engages in the lending and investment business in India. It invests in shares, stocks, bonds, debentures, mutual funds, inter corporate deposits, and loans.
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The company was incorporated in 1993 and is headquartered in New Delhi, India.
Stock analysis
Consolidated Finvest & Holdings Limited (CONSOFINVT) currently trades at ₹320.15, while our model-based Fair Value estimate is ₹304.85, so the stock looks roughly fairly valued today (gap 5.0%).
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Valuation
How firm this estimate is: it rests on 2 models at a data quality of 96/100, which puts the data coverage at high.
Scenario range: ₹228.64 (bear) to ₹381.06 (bull), the price of ₹320.15 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 50/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Consolidated Finvest & Holdings Limited reported revenue of ₹624M in FY2026 versus ₹19.0M in FY2022, a compound +139.5%/yr. Reported net income was ₹541M in FY2026, compounding +206.8%/yr from FY2022. FY2022 was a trough year, so the rate overstates the trend.
Key figures
Market cap ₹10.3B (≈ $110M) Micro · P/E ratio 19.1 · P/S ratio 16.5 · EPS (TTM) ₹16.74 · Dividend yield 0.5% · Net margin 86.8% · Return on equity 5.0% · Return on assets (EBIT) 13.1% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 68 out of 100 (low confidence).
What moves the price
The share trades about 2% below its 52-week high and 110% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 7% fair-value upside, at −5%, CONSOFINVT screens richer than that median.
Fair Value models
Bear₹228.64Fair Value ₹304.85Bull₹381.06
Price ₹320.15 · Downside -4.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then (₹9.41 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.Coverage ⓘCoverage = 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.54/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
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.
+201.9%
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.
+75.2%
Start year 2021 (pandemic). Over 10 years: +1.6% 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.
+21.3%
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What shareholders gained per year (last 5 years), in INR ⓘ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. Basis: EBIT basis. 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.
+42.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+41.8%
Dividend (yield on the price)0.5%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.base effect: 44.5% / −2.4%
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.285% → 99%
Compare Consolidated Finvest & Holdings 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.Capital Markets · 455 stocks
Beats the industry median on 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score50 · Below median
Fair Value upside−4.8% · Below median
Profitability
Return on equity (12 months)5.0% · Below median
Return on assets4.2% · Above median
Net margin (12 months)86.8% · Top 25%
Operating margin (12 months)99.0% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)2.5% · Below median
Dividend yield (12 months)0.5% · Bottom 25%
Valuation Multiplesvs Capital Markets 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.
Is Consolidated Finvest & Holdings Limited (CONSOFINVT) overvalued or undervalued?
As of Nov 11, 2026, our model estimates a fair value of ₹304.85 versus a price of ₹320.15, about 5% lower (fairly valued).
What is the fair value of CONSOFINVT?
Our model-based fair value for Consolidated Finvest & Holdings Limited is ₹304.85 (as of Nov 11, 2026), built from audited fundamentals. The current price: ₹320.15.
What is the quality score of CONSOFINVT?
Consolidated Finvest & Holdings Limited has a Quality Score of 50/100. 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 Consolidated Finvest & Holdings Limited (CONSOFINVT)?
Our model-based price target is the fair value of ₹304.85 (as of Nov 11, 2026) from 2 valuation models. Cautious scenario ₹228.64, optimistic scenario ₹381.06. It is a calculation from audited fundamentals, not an analyst target.
What is the Consolidated Finvest & Holdings Limited stock forecast for 2026?
Our models put fair value at ₹304.85, about 5% lower versus a price of ₹320.15 (fairly valued). Cautious scenario ₹228.64, optimistic scenario ₹381.06. The calculation is refreshed regularly with new filings.
What is the revenue of Consolidated Finvest & Holdings Limited (CONSOFINVT)?
Consolidated Finvest & Holdings Limited reported trailing-twelve-month revenue of about ₹627M (latest available figure, as of Nov 11, 2026).
Does Consolidated Finvest & Holdings Limited pay a dividend?
Consolidated Finvest & Holdings Limited currently shows a dividend yield of 0.46% relative to its recent price (as of Nov 11, 2026).
How much is the dividend of Consolidated Finvest & Holdings Limited (CONSOFINVT) and when is the ex-dividend date?
Consolidated Finvest & Holdings Limited pays a dividend of ₹1.47 per share a year, a dividend yield of 0.5%. The last ex-dividend date was Sep 11, 2026. The payout ratio is 8.8% of earnings. Our assessment: Token dividend. At a yield of 0.5% the dividend is symbolic. On paper it is not fully covered by earnings or free cash flow, but at this size that hardly matters: even scrapping it entirely would cost less than 0.5% a year, and coverage ratios on amounts this small swing with ordinary working-capital movements. Judge this company on its business, not on its dividend.
What is the intrinsic value of Consolidated Finvest & Holdings Limited (CONSOFINVT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Consolidated Finvest & Holdings Limited it is ₹304.85 per share (as of Nov 11, 2026), against a price of ₹320.15. It is the blended result of 2 valuation models in 2 families (Multiples, Asset-Based).
Is Consolidated Finvest & Holdings Limited stock overvalued or undervalued in 2026?
As of Nov 11, 2026, CONSOFINVT trades above its calculated fair value: price ₹320.15, fair value ₹304.85, a gap of about −5% (fairly valued). 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 CONSOFINVT?
No. The price is what the market pays today (₹320.15); the fair value is what the company's own numbers justify (₹304.85). For Consolidated Finvest & Holdings Limited the two are ₹15.30 per share apart. That gap is exactly why we show both numbers side by side.
How much is Consolidated Finvest & Holdings Limited worth?
The market values Consolidated Finvest & Holdings Limited at about ₹10.3B (market capitalisation, as of Nov 11, 2026). Per share that is ₹320.15; our models calculate a fair value of ₹304.85 per share.
What do the bullish and bearish scenarios say about CONSOFINVT?
Our models span a range for Consolidated Finvest & Holdings Limited: cautious scenario ₹228.64, base ₹304.85, optimistic ₹381.06 per share (as of Nov 11, 2026, price ₹320.15). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CONSOFINVT?
Consolidated Finvest & Holdings Limited trades at a price-to-earnings ratio of 19.1 (as of Nov 11, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹304.85 is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2017 to 2026), reported earnings: 11.8. Other multiples: PEG 0.2, P/B 0.9, P/S 16.5, EV/EBITDA 16.7.
What is the PEG ratio of CONSOFINVT?
The PEG ratio of Consolidated Finvest & Holdings Limited is 0.20 (P/E divided by earnings growth, as of Nov 11, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Consolidated Finvest & Holdings Limited (CONSOFINVT)?
Balance-sheet figures for Consolidated Finvest & Holdings Limited (as of Nov 11, 2026): return on equity 5.0%. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is CONSOFINVT from its 52-week high?
Consolidated Finvest & Holdings Limited trades at ₹320.15, about 2% below its 52-week high of ₹326.00 and 110% above the low of ₹152.79 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of ₹304.85 is for.
Which stocks are comparable to Consolidated Finvest & Holdings Limited?
From the same area (Financial Services) we also value Morgan Stanley, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers Group, 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 Consolidated Finvest & Holdings Limited stock attractive at the current price?
The data as of Nov 11, 2026: price ₹320.15, calculated fair value ₹304.85 (−5%), Quality Score 50/100, from 2 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 CONSOFINVT calculated?
We run Consolidated Finvest & Holdings Limited through 2 models from 2 families: Multiples, Asset-Based. Every model gets the same audited fundamentals; the fair value of ₹304.85 builds on their evidence-weighted average, 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 15.1% above its aggregate fair value. Consolidated Finvest & Holdings 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 Consolidated Finvest & Holdings Limited (CONSOFINVT)?
The closing price on Nov 9, 2026 was ₹320.15. Our model-based fair value is ₹304.85, about 5% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Consolidated Finvest & Holdings Limited right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. 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 Consolidated Finvest & Holdings Limited
How large is the market capitalisation of Consolidated Finvest & Holdings Limited (CONSOFINVT)?
The market capitalisation of Consolidated Finvest & Holdings Limited is ₹10.3B (≈ $110M). 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 Consolidated Finvest & Holdings Limited (CONSOFINVT)?
The price-to-sales ratio of Consolidated Finvest & Holdings Limited is 16.5 (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 Consolidated Finvest & Holdings Limited (CONSOFINVT)?
Earnings per share at Consolidated Finvest & Holdings Limited are ₹16.74 (price ÷ EPS = P/E 19.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Consolidated Finvest & Holdings Limited (CONSOFINVT)?
The dividend yield of Consolidated Finvest & Holdings Limited is 0.5% (payout 8.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Consolidated Finvest & Holdings Limited (CONSOFINVT)?
The net margin of Consolidated Finvest & Holdings Limited is 86.8% (last twelve months). 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 Consolidated Finvest & Holdings Limited (CONSOFINVT)?
The return on equity (ROE) of Consolidated Finvest & Holdings Limited is 5.0% (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 Consolidated Finvest & Holdings Limited (CONSOFINVT)?
On an EBIT basis the return on assets of Consolidated Finvest & Holdings Limited is 13.1% (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 Consolidated Finvest & Holdings Limited (CONSOFINVT)?
The operating margin of Consolidated Finvest & Holdings Limited is 99.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Consolidated Finvest & Holdings Limited (CONSOFINVT)?
Revenue at Consolidated Finvest & Holdings Limited is growing +2.5% versus a year earlier (3y avg +202%). 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 Consolidated Finvest & Holdings Limited (CONSOFINVT)?
Earnings per share at Consolidated Finvest & Holdings Limited are growing +2.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Consolidated Finvest & Holdings Limited (CONSOFINVT) generate?
The free cash flow of Consolidated Finvest & Holdings Limited is −₹14.5M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Consolidated Finvest & Holdings Limited (CONSOFINVT) hold?
Consolidated Finvest & Holdings Limited holds more cash than debt, ₹800K net (fiscal year 2026). The company holds more cash than debt, a safety cushion.
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Broad data
Nov 11, 2026