DiGiSPICE Technologies Limited (DIGISPICE) Fair Value & Analysis
Financial Services · IN · Market cap ₹4.1B
Fair value as of: Aug 2, 2026
From 12 valuation models · updated 11 days ago
Share price −10.0% over the past month.
A solid business, currently priced close to our fair value.
What matters 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.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 2, 2026.
How to read this chart
60‑month range ₹15.38 – ₹80.50 · fair‑value band ₹11.60 – ₹19.33 · the ₹17.16 price screens above the ₹15.46 fair value. Dashed = 300-day average. As of Aug 2, 2026.
Analysis
DiGiSPICE Technologies Limited (DIGISPICE) currently trades at ₹17.16, while our model-based Fair Value estimate is ₹15.46, implying the stock looks roughly 9.9% fairly valued today. The Quality Score stands at 62/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, DiGiSPICE Technologies Limited generated revenue of ₹4.6B at a net margin of 4.1%. Revenue declined 8.2% year over year. It earns a return on equity of 9.8%. The balance sheet holds a net cash position of ₹2.6B. Fundamentals as of Aug 2, 2026
Our scenario range runs from ₹11.60 (bear case) to ₹19.33 (bull case); at ₹17.16, 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 52% below its 52-week high and 16% 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 -10%, DIGISPICE 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 12 models by family
Widest divergence: DCF Models (₹43.15) versus Dividend Discount (₹0.5100). Highest evidence: Growth DCF (80).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 2, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 64 · Market factors (momentum, volatility) 33
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
DiGiSPICE Technologies Limited engages in the provision of tech-enabled local payments network services in India and internationally.
Full company description
DiGiSPICE Technologies Limited engages in the provision of tech-enabled local payments network services in India and internationally. Its platform, Spice Money, which offers cash-in/cash-out, mini-ATM transactions, and e-KYC-based account openings to money transfers, credit and loan services, insurance, and bill payments, as well as collection services, and current and savings accounts. The company also provides AePS, CMS, DMT, M-ATM, BBPS, recharges, PAN, and travel services through Adhikaris; and Spice Pay, a PPI wallet. In addition, it offers secured and unsecured lending products in rural and semi-urban markets; and bookings for trains, flights, buses, and hotels through the Travel Union platform. The company was formerly known as Spice Mobility Limited and changed its name to DiGiSPICE Technologies Limited in August 2019. The company was incorporated in 1986 and is based in Noida, India. DiGiSPICE Technologies Limited is a subsidiary of Spice Connect Private Limited.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
DiGiSPICE Technologies Limited reported revenue of ₹4.6B in FY2026 versus ₹9.9B in FY2022, a compound −17.2%/yr. Reported net income was ₹190M in FY2026, compounding +36.8%/yr from FY2022.
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Peer Group
Financial Conglomerates · 54 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 Financial Conglomerates 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 Financial Conglomerates stocks, each showing price versus our Fair Value estimate (as of Aug 2, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| ORIX Corporation IX | $40.31 | $35.05 | -13% |
| Bajaj Finserv Ltd BAJAJFINSV | ₹2,065 | ₹682.29 | -67% |
| Yuanta Financial Holding 2885 | 66.70 TWD | 35.75 TWD | -46% |
| China Galaxy Securities Co 601881 | ¥12.94 | ¥18.92 | +46% |
| Guosen Securities Co 002736 | ¥10.34 | ¥17.96 | +74% |
| CNPC Capital Company 000617 | ¥6.80 | ¥5.78 | -15% |
| Aditya Birla Capital Limited ABCAPITAL | ₹399.25 | ₹176.15 | -56% |
| Freedom Holding FRHC | $152.69 | $32.75 | -79% |
| Voya Financial, Inc VOYA | $98.49 | $76.48 | -22% |
| Guangzhou Yuexiu Capital Holdings 000987 | ¥7.72 | ¥5.63 | -27% |
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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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