INTEC CAPITAL LTD. (INTECCAP) Fair Value & Analysis
Financial Services · IN · Market cap ₹289M
Fair value as of: Aug 13, 2026
From 11 valuation models · updated 6 days ago
Fair value updated Aug 13, 2026, revised from ₹31.96 to ₹30.38 (−4.9%) since Aug 12, 2026.
A strong business, screening 103% undervalued on our models.
What matters now
- The rarer combination: high quality (80/100) AND below fair value. That earns a closer look rather than a quick verdict.
- The price is below even our cautious bear case (₹22.79). The market is more pessimistic than our downside scenario.
- 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 13, 2026.
How to read this chart
60‑month range ₹9.05 – ₹34.14 · fair‑value band ₹22.79 – ₹37.98 · the ₹14.99 price screens below the ₹30.38 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
INTEC CAPITAL LTD. (INTECCAP) currently trades at ₹14.99, while our model-based Fair Value estimate is ₹30.38, implying the stock looks roughly 102.7% undervalued today. The Quality Score stands at 80/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, INTEC CAPITAL LTD. generated revenue of ₹117M at a net margin of 59.0%. Revenue declined 9.4% year over year. It earns a return on equity of 18.2%. Net debt stands at ₹206M. Fundamentals as of Aug 13, 2026
Our scenario range runs from ₹22.79 (bear case) to ₹37.98 (bull case); at ₹14.99, the current price sits below 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 20% below its 52-week high and 73% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -45% fair-value upside, at 103%, INTECCAP 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 11 models by family
Widest divergence: Growth DCF (₹220.22) versus Dividend Discount (₹2.77). Highest evidence: Growth DCF (80).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 76 · Market factors (momentum, volatility) 46
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
Intec Capital Limited, a non-banking financial company, provides financial services to small and medium enterprises (SMEs) in India. The company offers business loans; and collateral backed loans comprising mortgage of residential, commercial, and industrial loans. It also provides consultancy, advisory, and related services in information technology.
Full company description
Intec Capital Limited, a non-banking financial company, provides financial services to small and medium enterprises (SMEs) in India. The company offers business loans; and collateral backed loans comprising mortgage of residential, commercial, and industrial loans. It also provides consultancy, advisory, and related services in information technology. The company serves auto and engineering, printing and packaging, plastic and injection molding, retailer, professional service, education, infrastructure, construction, chemical, leather, textile, rubber, metal, capital goods and industrial equipment, and food processing industries, as well as pharmaceutical, medical, and healthcare industries. The company was formerly known as Intec Securities Ltd. and changed its name to Intec Capital Ltd. in September 2009. Intec Capital Limited was incorporated in 1994 and is based in New Delhi, India.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
INTEC CAPITAL LTD. reported revenue of ₹109M in FY2026 versus ₹17.2M in FY2022, a compound +58.6%/yr. Reported net income was ₹69.0M in FY2026, compounding +32.0%/yr from FY2022.
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Peer Group
Credit Services · 336 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 Credit Services 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 Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $359.42 | $198.27 | -45% |
| Mastercard Incorporated MA | $561.44 | $221.87 | -60% |
| Bajaj Finance Limited BAJFINANCE | ₹1,093 | ₹397.70 | -64% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,117 | ₹553.83 | -50% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,866 | ₹796.47 | -57% |
| Tata Capital Limited TATACAP | ₹367.05 | ₹149.40 | -59% |
| Power Finance Corporation PFC | ₹376.50 | ₹615.85 | +64% |
| Muthoot Finance Limited MUTHOOTFIN | ₹2,876 | ₹3,429 | +19% |
| Indian Railway Finance Corporation IRFC | ₹88.35 | ₹69.72 | -21% |
| REC Limited RECLTD | ₹346.00 | ₹692.00 | +100% |
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Frequently asked questions
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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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