CP Capital Limited (CPCAP) Fair Value & Analysis
Financial Services · IN · Market cap ₹2.0B
Fair value as of: Aug 13, 2026
From 13 valuation models · updated 3 days ago
Fair value updated Aug 13, 2026, revised from ₹227.70 to ₹220.32 (−3.2%) since Aug 6, 2026. Share price +14.0% over the past month.
A solid business, screening 74% undervalued on our models.
What matters now
- The price is below even our cautious bear case (₹220.32). The market is more pessimistic than our downside scenario.
- Solid quality (59/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (17 months)
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
17‑month range ₹75.40 – ₹433.60 · fair‑value band ₹220.32 – ₹276.34 · the ₹126.57 price screens below the ₹220.32 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
CP Capital Limited (CPCAP) currently trades at ₹126.57, while our model-based Fair Value estimate is ₹220.32, implying the stock looks roughly 74.1% undervalued today. The Quality Score stands at 59/100 (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, CP Capital Limited generated revenue of ₹765M at a net margin of 55.7%. Revenue declined 25.7% year over year. It earns a return on equity of 7.6%. Net debt stands at ₹741M. Fundamentals as of Aug 13, 2026
Our scenario range runs from ₹220.32 (bear case) to ₹276.34 (bull case); at ₹126.57, the current price sits below 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 27% below its 52-week high and 72% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -45% fair-value upside, at 74%, CPCAP 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 13 models by family
Widest divergence: Multiples (₹304.25) versus Dividend Discount (₹51.22). 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 56 · Market factors (momentum, volatility) 55
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
CP Capital Limited, a non-banking financing company, provides financing support to educational institutions for developing educational infrastructure. The company offers property backed loans, NBFC portfolio backed lending, bridge and bullet loans, Udyam, and MSME business loans, as well as loans against property balance transfer.
Full company description
CP Capital Limited, a non-banking financing company, provides financing support to educational institutions for developing educational infrastructure. The company offers property backed loans, NBFC portfolio backed lending, bridge and bullet loans, Udyam, and MSME business loans, as well as loans against property balance transfer. It serves individuals, entrepreneurs, and enterprises. CP Capital Limited was formerly known as Career Point Limited and changed its name to CP Capital Limited in February 2025. The company was incorporated in 2000 and is based in Kota, India.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
CP Capital Limited reported revenue of ₹765M in FY2026 versus ₹550M in FY2022, a compound +8.6%/yr. Reported net income was ₹426M in FY2026, compounding +17.0%/yr from FY2022.
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Peer Group
Credit Services · 333 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 | ₹1,094 | ₹397.61 | -64% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,117 | ₹553.83 | -50% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,918 | ₹796.52 | -58% |
| 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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