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Crest Ventures Limited (CREST) fair value: what the stock is really worth

As of Sep 25, 2026: fair value of Crest Ventures Limited ₹215, price ₹363, upside -40.7%, quality 45 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · IN · ISIN INE559D01011

CV Broad data Sep 27, 2026

Crest Ventures Limited

CREST · NSE

Weakest SetupStrongly overvalued and low quality.

!Fair value ₹215.39 · Strongly overvalued (−40.7%)
!Quality 45/100
!Expensive Growth (revenue 5y +23.9 %/yr)
✓Highly profitable · 29.4% net margin (TTM)
!Low debt · negative free cash flow
!0.3% dividend yield · Token dividend
!Trails peers (5/13)
!Moderate moat 57/100
!Weak on past: 15 out of 100
!Weak on dividend: 6 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

₹586.90 ₹98.75 Fair Value ₹215.39 Jun 2021 Sep 2026

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 ₹98.75 – ₹586.90 · fair‑value band ₹161.54 – ₹238.30 · the ₹362.90 price screens above the ₹215.39 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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Company profile

Crest Ventures Limited operates as a non-banking finance company in India. The company operates through two segments: financial services/credit and real estate. The company develops various real estate projects, such as residential and commercial projects, as well as malls, hotels, and townships.

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Crest Ventures Limited operates as a non-banking finance company in India. The company operates through two segments: financial services/credit and real estate. The company develops various real estate projects, such as residential and commercial projects, as well as malls, hotels, and townships. It provides real estate development allied activities, including acquisition, development, leasing, and operation of residential, commercial, and purpose built rental housing assets such as BTR, co-living, and student housing. It also provides financial services, including asset management; mutual fund distribution services; and investment management services to family offices and high net worth individuals, as well as deals in wholesale debt markets, foreign exchange markets, interest rate swaps, and currency options. In addition, the company offers destination and event management services, such as tours; meetings, incentives, conferencing, and exhibitions; events; and online services. Crest Ventures Limited was incorporated in 1982 and is based in Mumbai, India.

Stock analysis

Crest Ventures Limited (CREST) currently trades at ₹362.90, while our model-based Fair Value estimate is ₹215.39, implying the stock looks roughly 68.5% overvalued today.

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Valuation

Bull case: the Asset-Based group reads highest at a median of ₹309.80 per share, and 1 of the 9 models we run sit above the ₹362.90 price.

Bear case: the DCF Models group reads lowest at ₹172.49, and 8 of the 9 models stay below the price. Evidence for this calculation is high.

Scenario range: ₹161.54 (bear) to ₹238.30 (bull), the price of ₹362.90 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 45/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Crest Ventures Limited reported revenue of ₹1.6B in FY2026 versus ₹569M in FY2022, a compound +29.3%/yr. Reported net income was ₹468M in FY2026, compounding +40.3%/yr from FY2022. FY2022 was a trough year, so the rate overstates the trend.

Key figures

Market cap ₹10.3B (≈ $108M) · P/E ratio 22.0 · P/S ratio 6.48 · EPS (TTM) ₹16.46 · Dividend yield 0.3% · Net margin 29.4% · Return on equity 3.8% · Return on assets (EBIT) 13.9%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).

What moves the price

The share trades about 10% below its 52-week high and 17% 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 −41%, CREST screens richer than that median.

Fair Value models

Bear ₹161.54 Fair Value ₹215.39 Bull ₹238.30
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 (₹7.62 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.
Highest evidence
Residual Income ₹303.72 ₹281.01 ₹278.09 76
Owner Earnings ₹99.53 ₹172.49 ₹274.47 75
Gordon GGM ₹6.94 ₹11.63 ₹15.09 68
All 9 models by family
DCF Models
Owner Earnings ₹99.53 ₹172.49 ₹274.47 75
Earnings-Based
Graham-Dodd ₹112.67 ₹487.63 ₹666.69 64
Lynch FV ₹125.26 ₹178.94 ₹232.62 61
Dividend Discount
Gordon GGM ₹6.94 ₹11.63 ₹15.09 68
DDM Multi-Stage ₹6.94 ₹11.03 ₹12.51 67
Multiples
P/E Multiple ₹161.54 ₹215.39 ₹269.24 63
P/B Multiple ₹211.25 ₹281.67 ₹352.08 55
Asset-Based
NCAV (Graham) ₹231.20 ₹309.80 ₹462.39 54
Economic Profit
Residual Income ₹303.72 ₹281.01 ₹278.09 76

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Quality Score breakdown

Overall quality 45/100

Of which business quality 44 · Market factors (momentum, volatility) 53

Profitability 34
Margins and returns on capital today
Quality Growth 33
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 79
Balance sheet, leverage, solvency risk
Investment 45
Disciplined investing over empire-building
Low Volatility 79
Calm price path (market factor)
Momentum 42
Price trend over the last 3–12 months (market factor)
52W Momentum 43
Distance to the 52-week high (market factor)
Net Issuance 80
Share count: buybacks or dilution?

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Revenue & earnings trend

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. 57/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−0.4%
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.
+18.4%
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.
+23.9%
Start year 2021 (pandemic). Over 10 years: +12.6% 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.
+8.9%
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. 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.
+31.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+31.1%
Dividend (yield on the price)0.3%
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.31.1% vs 0.0%, picking up
Profit margin 2020 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.29% → 40%
Start year 2021 (pandemic)
⚠ Revenue per share shrinking 4.0%/yr over ~10Y (margin trend unclear) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.

CREST screens 68% overvalued. Compare with ORIX Corporation →

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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 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 46 · Below median
Fair Value upside −40.6% · Below median
Profitability
Return on equity (TTM) 3.8% · Below median
Return on assets 3.2% · Above median
Net margin (TTM) 29.4% · Above median
Operating margin (TTM) 44.0% · Top 25%
Growth and dividend
Revenue growth −32.7% · Bottom 25%
Dividend yield (TTM) 0.3% · Bottom 25%
Balance sheet
Debt / equity 0.21× · Below median

Valuation Multiplesvs Financial Conglomerates median · lower = cheaper

P/E (TTM) 22.0× · Pricier than median
P/B 0.79× · Cheaper than median
P/S (TTM) 6.49× · Priciest 25%
EV/EBITDA 12.5× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 7
FUTURE (revenue growth)0 · sector 56
PAST (return on equity)15 · sector 30
HEALTH (low debt)89 · sector 83
DIVIDEND (yield)6 · sector 59

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

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Crest Ventures Limited · Fair Value
₹215.39 −68%Fair Value
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Cite: Fair Value Calculator (2026). "Crest Ventures Limited Fair Value". https://www.fairvalue-calculator.com/stock/CREST

Frequently asked questions

Is Crest Ventures Limited (CREST) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of ₹215.39 versus a price of ₹362.90, about −41% upside (overvalued).
What is the fair value of CREST?
Our model-based fair value for Crest Ventures Limited is ₹215.39 (as of Sep 27, 2026), built from audited fundamentals. The current price: ₹362.90.
What is the quality score of CREST?
Crest Ventures Limited has a Quality Score of 45/100. 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 Crest Ventures Limited (CREST)?
Our model-based price target is the fair value of ₹215.39 (as of Sep 27, 2026) from 9 valuation models. Cautious scenario ₹161.54, optimistic scenario ₹238.30. It is a calculation from audited fundamentals, not an analyst target.
What is the Crest Ventures Limited stock forecast for 2026?
Our models put fair value at ₹215.39, about −41% upside versus a price of ₹362.90 (overvalued). Cautious scenario ₹161.54, optimistic scenario ₹238.30. The calculation is refreshed regularly with new filings.
What is the revenue of Crest Ventures Limited (CREST)?
Crest Ventures Limited reported trailing-twelve-month revenue of about ₹1.6B (latest available figure, as of Sep 27, 2026).
Does Crest Ventures Limited pay a dividend?
Crest Ventures Limited currently shows a dividend yield of about 0.28% relative to its recent price (as of Sep 27, 2026).
What is the intrinsic value of Crest Ventures Limited (CREST)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Crest Ventures Limited it is ₹215.39 per share (as of Sep 27, 2026), against a price of ₹362.90. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is Crest Ventures Limited stock overvalued or undervalued in 2026?
As of Sep 27, 2026, CREST trades above its calculated fair value: price ₹362.90, fair value ₹215.39, a gap of about −41% (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 CREST?
No. The price is what the market pays today (₹362.90); the fair value is what the company's own numbers justify (₹215.39). For Crest Ventures Limited the two are ₹147.51 per share apart. That gap is exactly why we show both numbers side by side.
How much is Crest Ventures Limited worth?
The market values Crest Ventures Limited at about ₹10.3B (market capitalisation, as of Sep 27, 2026). Per share that is ₹362.90; our models calculate a fair value of ₹215.39 per share.
What do the bullish and bearish scenarios say about CREST?
Our models span a range for Crest Ventures Limited: cautious scenario ₹161.54, base ₹215.39, optimistic ₹238.30 per share (as of Sep 27, 2026, price ₹362.90). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CREST?
Crest Ventures Limited trades at a price-to-earnings ratio of 22.0 (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 ₹215.39 is built from several models across several years. Other multiples: P/B 0.8, P/S 6.5, EV/EBITDA 12.5.
How solid is the balance sheet of Crest Ventures Limited (CREST)?
Balance-sheet figures for Crest Ventures Limited (as of Sep 27, 2026): return on equity 3.8%, debt of 0.21 per unit of equity. They feed the Quality Score of 45/100, which measures business quality independently of the share price.
How far is CREST from its 52-week high?
Crest Ventures Limited trades at ₹362.90, about 10% below its 52-week high of ₹404.45 and 17% above the low of ₹309.20 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of ₹215.39 is for.
Which stocks are comparable to Crest Ventures 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 Crest Ventures Limited stock attractive at the current price?
The data as of Sep 27, 2026: price ₹362.90, calculated fair value ₹215.39 (−41%), Quality Score 45/100, from 9 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 CREST calculated?
We run Crest Ventures Limited through 9 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 ₹215.39, 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. Crest Ventures 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 Crest Ventures Limited (CREST)?
The closing price on Sep 25, 2026 was ₹362.90. Our model-based fair value is ₹215.39, about −41% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Crest Ventures Limited right now?
The price sits above even our optimistic bull case (₹238.30). The favourable scenario is already priced in. Solid but not exceptional quality (45/100) 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.
Where does the earnings growth of Crest Ventures Limited (CREST) come from?
Earnings per share at Crest Ventures Limited grew +3.0 % a year from 2016 to 2026. Broken into its drivers: revenue per share +10.8 %, EBIT margin +13.6 %, tax rate −3.1 %, residual (interest, one-offs) −15.4 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Crest Ventures Limited

How large is the market capitalisation of Crest Ventures Limited (CREST)?
The market capitalisation of Crest Ventures Limited is ₹10.3B (≈ $108M). 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 Crest Ventures Limited (CREST)?
The price-to-sales ratio of Crest Ventures Limited is 6.48 (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 Crest Ventures Limited (CREST)?
Earnings per share at Crest Ventures Limited are ₹16.46 (price ÷ EPS = P/E 22.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Crest Ventures Limited (CREST)?
The dividend yield of Crest Ventures Limited is 0.3% (payout 6.1%). 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 Crest Ventures Limited (CREST)?
The net margin of Crest Ventures Limited is 29.4% (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 Crest Ventures Limited (CREST)?
The return on equity (ROE) of Crest Ventures Limited is 3.8% (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 Crest Ventures Limited (CREST)?
On an EBIT basis the return on assets of Crest Ventures Limited is 13.9% (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 Crest Ventures Limited (CREST)?
The operating margin of Crest Ventures Limited is 44.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Crest Ventures Limited (CREST)?
Revenue at Crest Ventures Limited is growing −32.7% versus a year earlier (3y avg +18.4%). 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 Crest Ventures Limited (CREST)?
Earnings per share at Crest Ventures Limited are growing +8.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Crest Ventures Limited (CREST) generate?
The free cash flow of Crest Ventures Limited is −₹2.1B (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 Crest Ventures Limited (CREST) carry?
The net debt of Crest Ventures Limited is ₹208M (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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