HB Stockholdings Limited (HBSL) fair value: what the stock is really worth
As of Sep 30, 2026: fair value of HB Stockholdings Limited ₹93.53, price ₹55.89, upside +67.4%, quality 50 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
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 ₹16.47 – ₹180.60 · fair‑value band ₹70.14 – ₹116.91 · the ₹55.89 price screens below the ₹93.53 fair value. Dashed = 300-day average. As of Sep 27, 2026.
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HB Stockholdings Limited, a non-banking financial and non-deposit taking company, engages in the investment in securities business in India. The company involved in undertaking of financial services; sale and purchase of securities; and dealing in various kinds of securities.
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HB Stockholdings Limited, a non-banking financial and non-deposit taking company, engages in the investment in securities business in India. The company involved in undertaking of financial services; sale and purchase of securities; and dealing in various kinds of securities. The company was formerly known as HB Portfolio Leasing Limited and changed its name to HB Stockholdings Limited in February 1997. HB Stockholdings Limited was incorporated in 1985 and is headquartered in Gurugram, India.
Stock analysis
HB Stockholdings Limited (HBSL) currently trades at ₹55.89, while our model-based Fair Value estimate is ₹93.53, implying the stock looks roughly 40.2% undervalued today.
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Valuation
How firm this estimate is: it rests on 4 models at a data quality of 96/100, which puts the evidence level at low.
Scenario range: ₹70.14 (bear) to ₹116.91 (bull), the price of ₹55.89 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 50/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
HB Stockholdings Limited reported revenue of −₹58.6M in FY2026 versus ₹69.0M in FY2022. Reported net income was −₹108M in FY2026.
Key figures
Market cap ₹399M (≈ $4.2M) · P/S ratio 14.3 · EPS (TTM) ₹−15.16 · Dividend yield 1.9% · Return on equity −12.8% · Return on assets (EBIT) 7.1% · Operating margin −301% · Revenue (TTM) ₹25.8M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 44% below its 52-week high and 31% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −18% fair-value upside, at 67%, HBSL screens cheaper than that median.
Fair Value models
Bear ₹70.14Fair Value ₹93.53Bull ₹116.91
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.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.17/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−80.9%
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.
+7.1%
Revenue growth 19 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.
−0.2%
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Profit margin (trend) ⓘ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.
−1,484.2% (2020) → −114.0% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2026 is a loss year, no rate is defined from a loss
Compare HB Stockholdings 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 · 464 stocks
Beats the industry median on 4/8 measures
A mixed picture versus its industry peers.
Valuation
Quality Score59 · Above median
Fair Value upside+67.3% · Above median
Profitability
Return on assets−1.9% · Bottom 25%
Net margin (TTM)184.6% · Top 25%
Growth and dividend
Revenue growth−79.6% · Bottom 25%
Dividend yield (TTM)1.9% · Below median
Balance sheet
Debt / equity0.14× · Above median
Valuation Multiplesvs Capital Markets median · lower = cheaper
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Is HB Stockholdings Limited (HBSL) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of ₹93.53 versus a price of ₹55.89, about +67% upside (undervalued).
What is the fair value of HBSL?
Our model-based fair value for HB Stockholdings Limited is ₹93.53 (as of Sep 27, 2026), built from audited fundamentals. The current price: ₹55.89.
What is the quality score of HBSL?
HB Stockholdings 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 HB Stockholdings Limited (HBSL)?
Our model-based price target is the fair value of ₹93.53 (as of Sep 27, 2026) from 2 valuation models. Cautious scenario ₹70.14, optimistic scenario ₹116.91. It is a calculation from audited fundamentals, not an analyst target.
What is the HB Stockholdings Limited stock forecast for 2026?
Our models put fair value at ₹93.53, about +67% upside versus a price of ₹55.89 (undervalued). Cautious scenario ₹70.14, optimistic scenario ₹116.91. The calculation is refreshed regularly with new filings.
What is the revenue of HB Stockholdings Limited (HBSL)?
HB Stockholdings Limited reported trailing-twelve-month revenue of about ₹25.8M (latest available figure, as of Sep 27, 2026).
Does HB Stockholdings Limited pay a dividend?
HB Stockholdings Limited currently shows a dividend yield of about 1.94% relative to its recent price (as of Sep 27, 2026).
What is the intrinsic value of HB Stockholdings Limited (HBSL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For HB Stockholdings Limited it is ₹93.53 per share (as of Sep 27, 2026), against a price of ₹55.89. It is the blended result of 2 valuation models (cash flow, earnings, asset, dividend).
Is HB Stockholdings Limited stock overvalued or undervalued in 2026?
As of Sep 27, 2026, HBSL trades below its calculated fair value: price ₹55.89, fair value ₹93.53, a gap of about +67% (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 HBSL?
No. The price is what the market pays today (₹55.89); the fair value is what the company's own numbers justify (₹93.53). For HB Stockholdings Limited the two are ₹37.64 per share apart. That gap is exactly why we show both numbers side by side.
How much is HB Stockholdings Limited worth?
The market values HB Stockholdings Limited at about ₹399M (market capitalisation, as of Sep 27, 2026). Per share that is ₹55.89; our models calculate a fair value of ₹93.53 per share.
What do the bullish and bearish scenarios say about HBSL?
Our models span a range for HB Stockholdings Limited: cautious scenario ₹70.14, base ₹93.53, optimistic ₹116.91 per share (as of Sep 27, 2026, price ₹55.89). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of HB Stockholdings Limited (HBSL)?
Balance-sheet figures for HB Stockholdings Limited (as of Sep 27, 2026): return on equity −12.8%, debt of 0.14 per unit of equity. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is HBSL from its 52-week high?
HB Stockholdings Limited trades at ₹55.89, about 44% below its 52-week high of ₹100.42 and 31% above the low of ₹42.63 (as of Sep 30, 2026). Distance from the high says nothing about value: that is what the fair value of ₹93.53 is for.
Which stocks are comparable to HB Stockholdings 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 HB Stockholdings Limited stock attractive at the current price?
The data as of Sep 27, 2026: price ₹55.89, calculated fair value ₹93.53 (+67%), 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 HBSL calculated?
We run HB Stockholdings Limited through 2 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 ₹93.53, 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 14.7 % above its aggregate fair value. HB Stockholdings Limited currently trades 40 % 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 HB Stockholdings Limited (HBSL)?
The closing price on Sep 30, 2026 was ₹55.89. Our model-based fair value is ₹93.53, about +67% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with HB Stockholdings Limited right now?
The price is below even our cautious bear case (₹70.14). 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. Solid quality (50/100) 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.
Key figures of HB Stockholdings Limited
How large is the market capitalisation of HB Stockholdings Limited (HBSL)?
The market capitalisation of HB Stockholdings Limited is ₹399M (≈ $4.2M). 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 HB Stockholdings Limited (HBSL)?
The price-to-sales ratio of HB Stockholdings Limited is 14.3 (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 HB Stockholdings Limited (HBSL)?
Earnings per share at HB Stockholdings Limited are ₹−15.16. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of HB Stockholdings Limited (HBSL)?
The dividend yield of HB Stockholdings Limited is 1.9%. 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 return on equity of HB Stockholdings Limited (HBSL)?
The return on equity (ROE) of HB Stockholdings Limited is −12.8% (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 HB Stockholdings Limited (HBSL)?
On an EBIT basis the return on assets of HB Stockholdings Limited is 7.1% (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 HB Stockholdings Limited (HBSL)?
The operating margin of HB Stockholdings Limited is −301% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at HB Stockholdings Limited (HBSL)?
Revenue at HB Stockholdings Limited is growing −79.6% versus a year earlier. 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 HB Stockholdings Limited (HBSL)?
Earnings per share at HB Stockholdings Limited are growing +15.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does HB Stockholdings Limited (HBSL) generate?
The free cash flow of HB Stockholdings Limited is −₹71.7M (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 HB Stockholdings Limited (HBSL) carry?
The net debt of HB Stockholdings Limited is ₹94.3M (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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