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Industrial Investment Trust Limited (IITL) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Industrial Investment Trust Limited ₹139, price ₹131, upside +5.7%, quality 58 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? Yes
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II
Thin data
Sep 24, 2026
Industrial Investment Trust Limited
IITL · BSENeutralThe stock looks roughly fairly valued with average quality.
·Fair value ₹138.71 · Fairly valued (+5.7%)
!Quality 58/100
!Mixed Growth (revenue 5y +45.3 %/yr)
✓Highly profitable · 27.2% net margin (TTM)
✓Low debt · generates free cash flow
!Moderate moat 55/100
!Evidence only low, so the estimate is less certain
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
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range ₹51.60 – ₹428.35 · fair‑value band ₹85.35 – ₹222.07 · the ₹131.25 price screens below the ₹138.71 fair value. Dashed = 300-day average. As of Sep 24, 2026.
Company profile
Industrial Investment Trust Limited, a non-banking financial company, engages in the investment activities in India. It invests in equity shares, mutual funds, fixed deposits, treasury bills, and corporate loans; and provides loan against property, lease rental discounting, and loan against securities.
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Industrial Investment Trust Limited, a non-banking financial company, engages in the investment activities in India. It invests in equity shares, mutual funds, fixed deposits, treasury bills, and corporate loans; and provides loan against property, lease rental discounting, and loan against securities. The company also engages in the real estate activities and construction of residential complexes; as well as offers advisory and consultancy services. The company was incorporated in 1933 and is based in Mumbai, India.
Stock analysis
Industrial Investment Trust Limited (IITL) currently trades at ₹131.25, while our model-based Fair Value estimate is ₹138.71, so the stock looks roughly fairly valued today (gap 5.4%).
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Valuation
How firm this estimate is: it rests on 6 models at a data quality of 93/100, which puts the evidence level at low.
Scenario range: ₹85.35 (bear) to ₹222.07 (bull), the price of ₹131.25 sits inside 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 58/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Industrial Investment Trust Limited reported revenue of ₹199M in FY2026 versus ₹30.9M in FY2022, a compound +59.4%/yr. Reported net income was −₹124M in FY2026.
Key figures
Market cap ₹3.4B (≈ $34.9M) · P/S ratio 16.5 · EPS (TTM) ₹−2.52 · Dividend yield 0.0% · Net margin −62.4% · Return on equity −1.0% · Return on assets (EBIT) 37.6% · Operating margin 72.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 36% below its 52-week high and 8% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at 6%, IITL screens richer than that median.
Fair Value models
Bear ₹85.35
Fair Value ₹138.71
Bull ₹222.07
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.
Highest evidence
Growth DCF
₹113.39
₹215.93
₹381.14
73
NCAV (Graham)
₹95.52
₹128.00
₹191.04
54
All 2 models by family
Asset-Based
NCAV (Graham)
₹95.52
₹128.00
₹191.04
54
Growth DCF
Growth DCF
₹113.39
₹215.93
₹381.14
73
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Set up alert →Quality Score breakdown
Overall quality
58/100
Of which business quality 56 · Market factors (momentum, volatility) 33
Profitability
4
Margins and returns on capital today
Quality Growth
40
Are margins and returns improving?
Cashflow
100
Earnings quality: real cash, not paper profit
Fin. Strength
67
Balance sheet, leverage, solvency risk
Investment
86
Disciplined investing over empire-building
Low Volatility
58
Calm price path (market factor)
Momentum
32
Price trend over the last 3–12 months (market factor)
52W Momentum
6
Distance to the 52-week high (market factor)
Net Issuance
42
Share count: buybacks or dilution?
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.
78/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
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.
+5.2%
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.
+45.3%
Start year 2021 (pandemic)
Revenue growth 7 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.
+4.7%
’19
’20
’21
’22
’23
’24
’26
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.
−266.1% (2021) → −77.7% (2026)
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
not computed
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+11.0%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (India: IMF forecast 4.1% a year to 2030, 4.7% from 2016 to 2025) that is about +6.5% a year for the price.
Watch IITL, get fair value alerts →
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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.Credit Services · 329 stocks
Beats the industry median on 7/9 measures
Overall it ranks above its industry peers.
Valuation Multiplesvs Credit Services median · lower = cheaper
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: Indian Stocks
- Valuation of the India 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
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $359.33 | $221.29 | −38% |
| Mastercard Incorporated MA | $551.47 | $359.54 | −35% |
| American Express Company AXP | $304.10 | $208.54 | −31% |
| Capital One Financial Corporation COF | $193.07 | $125.94 | −35% |
| Bajaj Finance Limited BAJFINANCE | ₹948.30 | ₹1,100 | +16% |
| PayPal Holdings PYPL | $53.06 | $104.12 | +96% |
| Shriram Finance Limited SHRIRAMFIN | ₹994.10 | ₹1,364 | +37% |
| Affirm Holdings AFRM | $67.21 | $73.93 | +10% |
| Synchrony Financial, SYF | $71.52 | $141.92 | +98% |
| SoFi Technologies, Inc SOFI | $15.72 | $5.53 | −65% |
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Frequently asked questions
Is Industrial Investment Trust Limited (IITL) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of ₹138.71 versus a price of ₹131.25, about +6% upside (fairly valued).
What is the fair value of IITL?
Our model-based fair value for Industrial Investment Trust Limited is ₹138.71 (as of Sep 24, 2026), built from audited fundamentals. The current price: ₹131.25.
What is the quality score of IITL?
Industrial Investment Trust Limited has a Quality Score of 58/100. 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 Industrial Investment Trust Limited (IITL)?
Our model-based price target is the fair value of ₹138.71 (as of Sep 24, 2026) from 2 valuation models. Cautious scenario ₹85.35, optimistic scenario ₹222.07. It is a calculation from audited fundamentals, not an analyst target.
What is the Industrial Investment Trust Limited stock forecast for 2026?
Our models put fair value at ₹138.71, about +6% upside versus a price of ₹131.25 (fairly valued). Cautious scenario ₹85.35, optimistic scenario ₹222.07. The calculation is refreshed regularly with new filings.
What is the revenue of Industrial Investment Trust Limited (IITL)?
Industrial Investment Trust Limited reported trailing-twelve-month revenue of about ₹204M (latest available figure, as of Sep 24, 2026).
Does Industrial Investment Trust Limited pay a dividend?
Industrial Investment Trust Limited currently shows a dividend yield of about 0.01% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Industrial Investment Trust Limited (IITL)?
For today's price to be fair in a discounted-cash-flow model, Industrial Investment Trust Limited would have to grow free cash flow by +11.0 % per year for five years (discount rate 12.4 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +45.3 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of IITL use?
Our models discount Industrial Investment Trust Limited at 12.4 %: a base by market capitalisation (nano), country premium for India. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Industrial Investment Trust Limited that is +11.0 % per year a year over ten years, using the same discount rate (12.4 %) and the same formula as our fair value.
How much growth has Industrial Investment Trust Limited (IITL) delivered so far?
Over the past 5 years revenue at Industrial Investment Trust Limited grew +45.3 % a year. The price currently implies +11.0 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Industrial Investment Trust Limited (IITL) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into Industrial Investment Trust Limited (+11.0 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Industrial Investment Trust Limited (IITL)?
The free-cash-flow yield on the price is 5.79 %: that much free cash flow Industrial Investment Trust Limited produces per unit of market value. When it exceeds the discount rate of our models (12.4 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Industrial Investment Trust Limited (IITL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Industrial Investment Trust Limited it is ₹138.71 per share (as of Sep 24, 2026), against a price of ₹131.25. It is the blended result of 2 valuation models (cash flow, earnings, asset, dividend).
Is Industrial Investment Trust Limited stock overvalued or undervalued in 2026?
As of Sep 24, 2026, IITL trades below its calculated fair value: price ₹131.25, fair value ₹138.71, a gap of about +6% (fairly valued). 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 IITL?
No. The price is what the market pays today (₹131.25); the fair value is what the company's own numbers justify (₹138.71). For Industrial Investment Trust Limited the two are ₹7.46 per share apart. That gap is exactly why we show both numbers side by side.
How much is Industrial Investment Trust Limited worth?
The market values Industrial Investment Trust Limited at about ₹3.4B (market capitalisation, as of Sep 24, 2026). Per share that is ₹131.25; our models calculate a fair value of ₹138.71 per share.
What do the bullish and bearish scenarios say about IITL?
Our models span a range for Industrial Investment Trust Limited: cautious scenario ₹85.35, base ₹138.71, optimistic ₹222.07 per share (as of Sep 24, 2026, price ₹131.25). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Industrial Investment Trust Limited (IITL)?
Balance-sheet figures for Industrial Investment Trust Limited (as of Sep 24, 2026): return on equity −1.0%, debt of 0.01 per unit of equity. They feed the Quality Score of 58/100, which measures business quality independently of the share price.
How far is IITL from its 52-week high?
Industrial Investment Trust Limited trades at ₹131.25, about 36% below its 52-week high of ₹203.85 and 8% above the low of ₹122.05 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹138.71 is for.
Which stocks are comparable to Industrial Investment Trust Limited?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, 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 Industrial Investment Trust Limited stock attractive at the current price?
The data as of Sep 24, 2026: price ₹131.25, calculated fair value ₹138.71 (+6%), Quality Score 58/100, 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 IITL calculated?
We run Industrial Investment Trust 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 ₹138.71, 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. Industrial Investment Trust Limited currently trades 5 % 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 Industrial Investment Trust Limited (IITL)?
The closing price on Oct 1, 2026 was ₹131.25. Our model-based fair value is ₹138.71, about +6% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Industrial Investment Trust Limited right now?
The model range is unusually wide (₹85.35 to ₹222.07). The outcome hinges heavily on assumptions, so read the point estimate with caution. The price sits close to our fair value, market and models broadly agree here, little valuation tension. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. 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 Industrial Investment Trust Limited
How large is the market capitalisation of Industrial Investment Trust Limited (IITL)?
The market capitalisation of Industrial Investment Trust Limited is ₹3.4B (≈ $34.9M). 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 Industrial Investment Trust Limited (IITL)?
The price-to-sales ratio of Industrial Investment Trust Limited is 16.5 (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 Industrial Investment Trust Limited (IITL)?
Earnings per share at Industrial Investment Trust Limited are ₹−2.52. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Industrial Investment Trust Limited (IITL)?
The dividend yield of Industrial Investment Trust Limited is 0.0%. 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 Industrial Investment Trust Limited (IITL)?
The net margin of Industrial Investment Trust Limited is −62.4% (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 Industrial Investment Trust Limited (IITL)?
The return on equity (ROE) of Industrial Investment Trust Limited is −1.0% (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 Industrial Investment Trust Limited (IITL)?
On an EBIT basis the return on assets of Industrial Investment Trust Limited is 37.6% (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 Industrial Investment Trust Limited (IITL)?
The operating margin of Industrial Investment Trust Limited is 72.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Industrial Investment Trust Limited (IITL)?
Revenue at Industrial Investment Trust Limited is growing +33.2% versus a year earlier (3y avg +5.2%). 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 Industrial Investment Trust Limited (IITL)?
Earnings per share at Industrial Investment Trust Limited are growing +39.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Industrial Investment Trust Limited (IITL) carry?
The net debt of Industrial Investment Trust Limited is ₹2.8M (fiscal year 2026, ≈ 0.0 yrs of FCF). 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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