Greencrest Financial Services Limited (GREENCREST) fair value: what the stock is really worth
As of Oct 13, 2026: fair value of Greencrest Financial Services Limited ₹0.78, price ₹0.58, upside +34.5%, quality 37 out of 100. Calculated from audited financials with 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, dashed = 300-day average. As of Oct 2, 2026.
How to read this chart
60‑month range ₹0.4700 – ₹2.92 · fair‑value band ₹0.6600 – ₹0.8800 · the ₹0.5800 price screens below the ₹0.7800 fair value. Dashed = 300-day average. As of Oct 2, 2026.
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Greencrest Financial Services Limited, a non-banking financial company, engages in finance and investment businesses in India. It is involved in investing in shares and other securities, government and non-government bonds, fixed deposits, commodities, and other related activities of capital market.
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Greencrest Financial Services Limited, a non-banking financial company, engages in finance and investment businesses in India. It is involved in investing in shares and other securities, government and non-government bonds, fixed deposits, commodities, and other related activities of capital market. The company was formerly known as Marigold Glass Industries Limited and changed its name to Greencrest Financial Services Limited in May 2013. The company was incorporated in 1993 and is based in Kolkata, India.
Stock analysis
Greencrest Financial Services Limited (GREENCREST) currently trades at ₹0.5800, while our model-based Fair Value estimate is ₹0.7800, implying the stock looks roughly 25.6% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of ₹2.43 per share, and 6 of the 7 models we run sit above the ₹0.5800 price.
Bear case: the Multiples group reads lowest at ₹0.4800, and 1 of the 7 models stay below the price. Evidence for this calculation is low.
Scenario range: ₹0.6600 (bear) to ₹0.8800 (bull), the price of ₹0.5800 sits below 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 37/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Greencrest Financial Services Limited reported revenue of ₹381M in FY2025 versus ₹88.8M in FY2021, a compound +43.9%/yr. Reported net income was ₹13.5M in FY2025, compounding +24.8%/yr from FY2021.
Key figures
Market cap ₹212M (≈ $2.2M) · P/E ratio 19.3 · P/S ratio 0.68 · EPS (TTM) ₹0.0300 · Net margin 3.5% · Return on equity 2.4% · Return on assets (EBIT) 3.7% · Operating margin 19.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 18% below its 52-week high and 23% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −14% fair-value upside, at 34%, GREENCREST screens cheaper than that median.
Fair Value models
Bear ₹0.6600Fair Value ₹0.7800Bull ₹0.8800
Price ₹0.5800 · Upside +34.5%
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 2025 figures (about 9 months old). Earnings retained since then (₹0.0236 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.
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.58/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
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.
+100.7%
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.
+81.5%
Revenue growth 8 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.
+27.6%
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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. 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.
+19.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+19.4%
Dividend (yield on the price)0.0%
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.19.4% vs −13.9%, picking up
Profit margin 2020 to 2025 ⓘ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.17% → 17%
Pace: the 5-year rate starts in 2020 (pandemic)
⚠ Revenue per share shrinking 26.1%/yr over ~7Y (margins intact) ⓘ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.
Compare Greencrest Financial Services Limited with another stock
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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 · 463 stocks
Beats the industry median on 4/12 measures
Overall it trails its industry peers.
Valuation
Quality Score37 · Bottom 25%
Fair Value upside+34.5% · Above median
Profitability
Return on equity (TTM)2.4% · Below median
Return on assets1.1% · Below median
Net margin (TTM)3.6% · Below median
Operating margin (TTM)19.7% · Below median
Growth and dividend
Revenue growth21.8% · Above median
Balance sheet
Debt / equity0.90× · Highest 25%
Valuation Multiplesvs Capital Markets median · lower = cheaper
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Is Greencrest Financial Services Limited (GREENCREST) overvalued or undervalued?
As of Oct 2, 2026, our model estimates a fair value of ₹0.7800 versus a price of ₹0.5800, about +34% upside (undervalued).
What is the fair value of GREENCREST?
Our model-based fair value for Greencrest Financial Services Limited is ₹0.7800 (as of Oct 2, 2026), built from audited fundamentals. The current price: ₹0.5800.
What is the quality score of GREENCREST?
Greencrest Financial Services Limited has a Quality Score of 37/100. 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 Greencrest Financial Services Limited (GREENCREST)?
Our model-based price target is the fair value of ₹0.7800 (as of Oct 2, 2026) from 7 valuation models. Cautious scenario ₹0.6600, optimistic scenario ₹0.8800. It is a calculation from audited fundamentals, not an analyst target.
What is the Greencrest Financial Services Limited stock forecast for 2026?
Our models put fair value at ₹0.7800, about +34% upside versus a price of ₹0.5800 (undervalued). Cautious scenario ₹0.6600, optimistic scenario ₹0.8800. The calculation is refreshed regularly with new filings.
What is the revenue of Greencrest Financial Services Limited (GREENCREST)?
Greencrest Financial Services Limited reported trailing-twelve-month revenue of about ₹358M (latest available figure, as of Oct 2, 2026).
What is the intrinsic value of Greencrest Financial Services Limited (GREENCREST)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Greencrest Financial Services Limited it is ₹0.7800 per share (as of Oct 2, 2026), against a price of ₹0.5800. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is Greencrest Financial Services Limited stock overvalued or undervalued in 2026?
As of Oct 2, 2026, GREENCREST trades below its calculated fair value: price ₹0.5800, fair value ₹0.7800, a gap of about +34% (undervalued). 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 GREENCREST?
No. The price is what the market pays today (₹0.5800); the fair value is what the company's own numbers justify (₹0.7800). For Greencrest Financial Services Limited the two are ₹0.2000 per share apart. That gap is exactly why we show both numbers side by side.
How much is Greencrest Financial Services Limited worth?
The market values Greencrest Financial Services Limited at about ₹212M (market capitalisation, as of Oct 2, 2026). Per share that is ₹0.5800; our models calculate a fair value of ₹0.7800 per share.
What do the bullish and bearish scenarios say about GREENCREST?
Our models span a range for Greencrest Financial Services Limited: cautious scenario ₹0.6600, base ₹0.7800, optimistic ₹0.8800 per share (as of Oct 2, 2026, price ₹0.5800). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of GREENCREST?
Greencrest Financial Services Limited trades at a price-to-earnings ratio of 19.3 (as of Oct 2, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹0.7800 is built from several models across several years. Other multiples: P/B 0.4, P/S 0.6, EV/EBITDA 24.3.
How solid is the balance sheet of Greencrest Financial Services Limited (GREENCREST)?
Balance-sheet figures for Greencrest Financial Services Limited (as of Oct 2, 2026): return on equity 2.4%, debt of 0.90 per unit of equity. They feed the Quality Score of 37/100, which measures business quality independently of the share price.
How far is GREENCREST from its 52-week high?
Greencrest Financial Services Limited trades at ₹0.5800, about 18% below its 52-week high of ₹0.7100 and 23% above the low of ₹0.4700 (as of Oct 13, 2026). Distance from the high says nothing about value: that is what the fair value of ₹0.7800 is for.
Which stocks are comparable to Greencrest Financial Services Limited?
From the same area (Financial Services) we also value Morgan Stanley, a financial holding company,, 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 Greencrest Financial Services Limited stock attractive at the current price?
The data as of Oct 2, 2026: price ₹0.5800, calculated fair value ₹0.7800 (+34%), Quality Score 37/100, from 7 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 GREENCREST calculated?
We run Greencrest Financial Services Limited through 7 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 ₹0.7800, 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 14.5 % above its aggregate fair value. Greencrest Financial Services Limited currently trades 26 % below its own fair value, and the market average says nothing about that. 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 Greencrest Financial Services Limited (GREENCREST)?
The closing price on Oct 13, 2026 was ₹0.5800. Our model-based fair value is ₹0.7800, about +34% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Greencrest Financial Services Limited right now?
The large discount to fair value meets weak quality (37/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (₹0.6600). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. 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 Greencrest Financial Services Limited
How large is the market capitalisation of Greencrest Financial Services Limited (GREENCREST)?
The market capitalisation of Greencrest Financial Services Limited is ₹212M (≈ $2.2M). 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 Greencrest Financial Services Limited (GREENCREST)?
The price-to-sales ratio of Greencrest Financial Services Limited is 0.68 (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 Greencrest Financial Services Limited (GREENCREST)?
Earnings per share at Greencrest Financial Services Limited are ₹0.0300 (price ÷ EPS = P/E 19.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Greencrest Financial Services Limited (GREENCREST)?
The net margin of Greencrest Financial Services Limited is 3.5% (fiscal year 2025). 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 Greencrest Financial Services Limited (GREENCREST)?
The return on equity (ROE) of Greencrest Financial Services Limited is 2.4% (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 Greencrest Financial Services Limited (GREENCREST)?
On an EBIT basis the return on assets of Greencrest Financial Services Limited is 3.7% (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 Greencrest Financial Services Limited (GREENCREST)?
The operating margin of Greencrest Financial Services Limited is 19.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Greencrest Financial Services Limited (GREENCREST)?
Revenue at Greencrest Financial Services Limited is growing +21.8% versus a year earlier (3y avg +15.9%). 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 Greencrest Financial Services Limited (GREENCREST)?
Earnings per share at Greencrest Financial Services Limited are growing −33.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Greencrest Financial Services Limited (GREENCREST) generate?
The free cash flow of Greencrest Financial Services Limited is −₹24.5M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Greencrest Financial Services Limited (GREENCREST) carry?
The net debt of Greencrest Financial Services Limited is ₹508M (fiscal year 2025). 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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