INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. (INDPRUD) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. ₹4,311, price ₹6,250, upside -31.0%, quality 63 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 ₹1,054 – ₹7,756 · fair‑value band ₹3,233 – ₹5,389 · the ₹6,250 price screens above the ₹4,311 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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Industrial & Prudential Investment Company Limited is a publicly owned investment manager. The firm is zero debt company and has equity investment portfolios. Industrial & Prudential Investment Company Limited is based in Mumbai, India with an additional office in Kolkata, India.
Stock analysis
INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. (INDPRUD) currently trades at ₹6,250, while our model-based Fair Value estimate is ₹4,311, 31.0% below the price, so the stock looks overvalued today.
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Valuation
How firm this estimate is: it rests on 22 models at a data quality of 96/100, which puts the evidence level at high.
Scenario range: ₹3,233 (bear) to ₹5,389 (bull), the price of ₹6,250 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 63/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. reported revenue of ₹61.9M in FY2026 versus ₹47.4M in FY2022, a compound +6.9%/yr. Reported net income was ₹637M in FY2026, compounding +14.7%/yr from FY2022.
Key figures
Market cap ₹10.5B (≈ $109M) · P/E ratio 17.2 · EPS (TTM) ₹363.38 · Dividend yield 1.9% · Net margin 953% · Return on equity 7.7% · Return on assets (EBIT) 0.8% · Operating margin 88.1%.
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 8% below its 52-week high and 30% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −15% fair-value upside, at −31%, INDPRUD screens richer than that median.
Fair Value models
Bear ₹3,233Fair Value ₹4,311Bull ₹5,389
Price ₹6,250 · Upside -31.0%
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 (₹124.69 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.57/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−10.9%
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.
−0.9%
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.
+4.4%
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.
−0.4%
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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.
+21.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+19.3%
Dividend (yield on the price)1.9%
Profit margin 2021 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.149% → 90%
Growth Forecast
A lot of optimism in the price
The price assumes more 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).
+39.3%
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 +33.8% a year for the price.
Compare INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. 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.Asset Management · 662 stocks
Beats the industry median on 6/11 measures
A mixed picture versus its industry peers.
Valuation
Quality Score63 · Above median
Fair Value upside−31.0% · Bottom 25%
Profitability
Return on equity (TTM)7.7% · Above median
Return on assets0.4% · Below median
Operating margin (TTM)88.1% · Top 25%
Growth and dividend
Revenue growth−6.7% · Below median
Dividend yield (TTM)1.9% · Below median
Valuation Multiplesvs Asset Management median · lower = cheaper
P/E (TTM)17.2× · Pricier than median
P/S (TTM)1.70× · Cheapest 25%
P/FCF0.5× · Cheapest 25%
EV/EBITDA1.9× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 60
FUTURE (revenue growth)0· sector 39
PAST (return on equity)31· sector 23
HEALTH (low debt)0· sector 95
DIVIDEND (yield)38· sector 83
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. (INDPRUD) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of ₹4,311 versus a price of ₹6,250, about −31% upside (overvalued).
What is the fair value of INDPRUD?
Our model-based fair value for INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. is ₹4,311 (as of Sep 27, 2026), built from audited fundamentals. The current price: ₹6,250.
What is the quality score of INDPRUD?
INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. has a Quality Score of 63/100. 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 & PRUDENTIAL INVESTMENTS CO.LTD. (INDPRUD)?
Our model-based price target is the fair value of ₹4,311 (as of Sep 27, 2026) from 2 valuation models. Cautious scenario ₹3,233, optimistic scenario ₹5,389. It is a calculation from audited fundamentals, not an analyst target.
What is the INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. stock forecast for 2026?
Our models put fair value at ₹4,311, about −31% upside versus a price of ₹6,250 (overvalued). Cautious scenario ₹3,233, optimistic scenario ₹5,389. The calculation is refreshed regularly with new filings.
What is the revenue of INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. (INDPRUD)?
INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. reported trailing-twelve-month revenue of about ₹63.9M (latest available figure, as of Sep 27, 2026).
Does INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. pay a dividend?
INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. currently shows a dividend yield of about 1.92% relative to its recent price (as of Sep 27, 2026).
What growth is priced into INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. (INDPRUD)?
For today's price to be fair in a discounted-cash-flow model, INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. would have to grow free cash flow by +39.3 % per year for five years (discount rate 15.4 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +4.4 % per year. As of Sep 27, 2026.
What discount rate (WACC) does the fair value of INDPRUD use?
Our models discount INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. at 15.4 %: a base by market capitalisation (micro), 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 & PRUDENTIAL INVESTMENTS CO.LTD. that is +39.3 % per year a year over ten years, using the same discount rate (15.4 %) and the same formula as our fair value.
How much growth has INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. (INDPRUD) delivered so far?
Over the past 5 years revenue at INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. grew +4.4 % a year. The price currently implies +39.3 % 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 & PRUDENTIAL INVESTMENTS CO.LTD. (INDPRUD) growing?
The median revenue growth in the sector is +4.3 % a year. That is the yardstick for the growth priced into INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. (+39.3 % 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 & PRUDENTIAL INVESTMENTS CO.LTD. (INDPRUD)?
The free-cash-flow yield on the price is 2.23 %: that much free cash flow INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. produces per unit of market value. When it exceeds the discount rate of our models (15.4 %), 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 & PRUDENTIAL INVESTMENTS CO.LTD. (INDPRUD)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. it is ₹4,311 per share (as of Sep 27, 2026), against a price of ₹6,250. It is the blended result of 2 valuation models (cash flow, earnings, asset, dividend).
Is INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. stock overvalued or undervalued in 2026?
As of Sep 27, 2026, INDPRUD trades above its calculated fair value: price ₹6,250, fair value ₹4,311, a gap of about −31% (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 INDPRUD?
No. The price is what the market pays today (₹6,250); the fair value is what the company's own numbers justify (₹4,311). For INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. the two are ₹1,939 per share apart. That gap is exactly why we show both numbers side by side.
How much is INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. worth?
The market values INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. at about ₹10.5B (market capitalisation, as of Sep 27, 2026). Per share that is ₹6,250; our models calculate a fair value of ₹4,311 per share.
What do the bullish and bearish scenarios say about INDPRUD?
Our models span a range for INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD.: cautious scenario ₹3,233, base ₹4,311, optimistic ₹5,389 per share (as of Sep 27, 2026, price ₹6,250). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of INDPRUD?
INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. trades at a price-to-earnings ratio of 17.2 (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 ₹4,311 is built from several models across several years. Other multiples: P/S 1.7, EV/EBITDA 1.9.
How solid is the balance sheet of INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. (INDPRUD)?
Balance-sheet figures for INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. (as of Sep 27, 2026): return on equity 7.7%. They feed the Quality Score of 63/100, which measures business quality independently of the share price.
How far is INDPRUD from its 52-week high?
INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. trades at ₹6,250, about 8% below its 52-week high of ₹6,821 and 30% above the low of ₹4,824 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹4,311 is for.
Which stocks are comparable to INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD.?
From the same area (Financial Services) we also value Blackstone Inc, KKR & Co, Brookfield Corporation, Apollo Global Management, Inc, 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 & PRUDENTIAL INVESTMENTS CO.LTD. stock attractive at the current price?
The data as of Sep 27, 2026: price ₹6,250, calculated fair value ₹4,311 (−31%), Quality Score 63/100, 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 INDPRUD calculated?
We run INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. 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 ₹4,311, 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 14.9 % above its aggregate fair value. INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. 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 INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. (INDPRUD)?
The closing price on Oct 1, 2026 was ₹6,250. Our model-based fair value is ₹4,311, about −31% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. right now?
The price sits above even our optimistic bull case (₹5,389). The favourable scenario is already priced in. Solid but not exceptional quality (63/100) 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.
Key figures of INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD.
How large is the market capitalisation of INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. (INDPRUD)?
The market capitalisation of INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. is ₹10.5B (≈ $109M). 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 are the earnings per share of INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. (INDPRUD)?
Earnings per share at INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. are ₹363.38 (price ÷ EPS = P/E 17.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. (INDPRUD)?
The dividend yield of INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. is 1.9% (payout 33.0%). 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 & PRUDENTIAL INVESTMENTS CO.LTD. (INDPRUD)?
The net margin of INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. is 953% (last twelve months). 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 & PRUDENTIAL INVESTMENTS CO.LTD. (INDPRUD)?
The return on equity (ROE) of INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. is 7.7% (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 & PRUDENTIAL INVESTMENTS CO.LTD. (INDPRUD)?
On an EBIT basis the return on assets of INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. is 0.8% (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 & PRUDENTIAL INVESTMENTS CO.LTD. (INDPRUD)?
The operating margin of INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. is 88.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. (INDPRUD)?
Revenue at INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. is growing −6.7% versus a year earlier (3y avg −0.9%). 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 INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. (INDPRUD)?
Earnings per share at INDUSTRIAL & PRUDENTIAL INVESTMENTS CO.LTD. are growing −20.6% versus a year earlier. How much earnings per share grew versus a year earlier.
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