INTEC CAPITAL LTD. (INTECCAP) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of INTEC CAPITAL LTD. ₹29.40, price ₹14.70, upside +100.0%, quality 79 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 3, 2026.
How to read this chart
60‑month range ₹9.39 – ₹34.14 · fair‑value band ₹15.94 – ₹46.15 · the ₹14.70 price screens below the ₹29.40 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 3, 2026.
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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.
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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.
Stock analysis
INTEC CAPITAL LTD. (INTECCAP) currently trades at ₹14.70, while our model-based Fair Value estimate is ₹29.40, implying the stock looks roughly 50.0% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of ₹138.60 per share, and 9 of the 9 models we run sit above the ₹14.70 price.
Bear case: the Asset-Based group reads lowest at ₹15.11, and 0 of the 9 models stay below the price. Evidence for this calculation is low.
Scenario range: ₹15.94 (bear) to ₹46.15 (bull), the price of ₹14.70 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 79/100 (high quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
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.
Key figures
Market cap ₹270M (≈ $2.8M) · P/E ratio 9.1 · P/S ratio 5.74 · EPS (TTM) ₹1.62 · Net margin 63.3% · Return on equity 18.2% · Return on assets (EBIT) −5.7% · Operating margin −89.3%.
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 12% below its 52-week high and 57% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at 100%, INTECCAP screens cheaper than that median.
Fair Value models
Bear ₹15.94Fair Value ₹29.40Bull ₹46.15
Price ₹14.70 · Upside +100.0%
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 (₹0.8344 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.100/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+860.9%
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.
+81.3%
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.
+18.7%
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.
−11.4%
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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.
−7.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year−7.2%
Dividend (yield on the price)0.0%
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.−114% → 17%
⚠ Revenue per share shrinking 27.5%/yr over ~5Y (margin trend unclear) ⓘ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.
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.Credit Services · 330 stocks
Beats the industry median on 10/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score79 · Top 25%
Fair Value upside+100.0% · Top 25%
Profitability
Return on equity (TTM)18.2% · Top 25%
Return on assets11.9% · Top 25%
Net margin (TTM)48.7% · Top 25%
Operating margin (TTM)−89.3% · Bottom 25%
Growth and dividend
Revenue growth−90.1% · Bottom 25%
Balance sheet
Debt / equity0.59× · Below median
Valuation Multiplesvs Credit Services median · lower = cheaper
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.
Cite: Fair Value Calculator (2026). "INTEC CAPITAL LTD. Fair Value". https://www.fairvalue-calculator.com/stock/INTECCAP
Frequently asked questions
Is INTEC CAPITAL LTD. (INTECCAP) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of ₹29.40 versus a price of ₹14.70, about +100% upside (undervalued).
What is the fair value of INTECCAP?
Our model-based fair value for INTEC CAPITAL LTD. is ₹29.40 (as of Oct 3, 2026), built from audited fundamentals. The current price: ₹14.70.
What is the quality score of INTECCAP?
INTEC CAPITAL LTD. has a Quality Score of 79/100. 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 INTEC CAPITAL LTD. (INTECCAP)?
Our model-based price target is the fair value of ₹29.40 (as of Oct 3, 2026) from 9 valuation models. Cautious scenario ₹15.94, optimistic scenario ₹46.15. It is a calculation from audited fundamentals, not an analyst target.
What is the INTEC CAPITAL LTD. stock forecast for 2026?
Our models put fair value at ₹29.40, about +100% upside versus a price of ₹14.70 (undervalued). Cautious scenario ₹15.94, optimistic scenario ₹46.15. The calculation is refreshed regularly with new filings.
What is the revenue of INTEC CAPITAL LTD. (INTECCAP)?
INTEC CAPITAL LTD. reported trailing-twelve-month revenue of about ₹61.0M (latest available figure, as of Oct 3, 2026).
What is the intrinsic value of INTEC CAPITAL LTD. (INTECCAP)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For INTEC CAPITAL LTD. it is ₹29.40 per share (as of Oct 3, 2026), against a price of ₹14.70. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is INTEC CAPITAL LTD. stock overvalued or undervalued in 2026?
As of Oct 3, 2026, INTECCAP trades below its calculated fair value: price ₹14.70, fair value ₹29.40, a gap of about +100% (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 INTECCAP?
No. The price is what the market pays today (₹14.70); the fair value is what the company's own numbers justify (₹29.40). For INTEC CAPITAL LTD. the two are ₹14.70 per share apart. That gap is exactly why we show both numbers side by side.
How much is INTEC CAPITAL LTD. worth?
The market values INTEC CAPITAL LTD. at about ₹270M (market capitalisation, as of Oct 3, 2026). Per share that is ₹14.70; our models calculate a fair value of ₹29.40 per share.
What do the bullish and bearish scenarios say about INTECCAP?
Our models span a range for INTEC CAPITAL LTD.: cautious scenario ₹15.94, base ₹29.40, optimistic ₹46.15 per share (as of Oct 3, 2026, price ₹14.70). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of INTECCAP?
INTEC CAPITAL LTD. trades at a price-to-earnings ratio of 9.1 (as of Oct 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹29.40 is built from several models across several years. Other multiples: P/B 0.7, P/S 4.4, EV/EBITDA 5.8.
How solid is the balance sheet of INTEC CAPITAL LTD. (INTECCAP)?
Balance-sheet figures for INTEC CAPITAL LTD. (as of Oct 3, 2026): return on equity 18.2%, debt of 0.59 per unit of equity. They feed the Quality Score of 79/100, which measures business quality independently of the share price.
How far is INTECCAP from its 52-week high?
INTEC CAPITAL LTD. trades at ₹14.70, about 12% below its 52-week high of ₹16.68 and 57% above the low of ₹9.39 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹29.40 is for.
Which stocks are comparable to INTEC CAPITAL LTD.?
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 INTEC CAPITAL LTD. stock attractive at the current price?
The data as of Oct 3, 2026: price ₹14.70, calculated fair value ₹29.40 (+100%), Quality Score 79/100, from 9 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 INTECCAP calculated?
We run INTEC CAPITAL LTD. through 9 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 ₹29.40, 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 15.0 % above its aggregate fair value. INTEC CAPITAL LTD. currently trades 50 % 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 INTEC CAPITAL LTD. (INTECCAP)?
The closing price on Oct 1, 2026 was ₹14.70. Our model-based fair value is ₹29.40, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with INTEC CAPITAL LTD. right now?
The rarer combination: high quality (79/100) AND below fair value. That earns a closer look rather than a quick verdict. The price is below even our cautious bear case (₹15.94). The market is more pessimistic than our downside scenario. The model range is unusually wide (₹15.94 to ₹46.15). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
Key figures of INTEC CAPITAL LTD.
How large is the market capitalisation of INTEC CAPITAL LTD. (INTECCAP)?
The market capitalisation of INTEC CAPITAL LTD. is ₹270M (≈ $2.8M). 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 INTEC CAPITAL LTD. (INTECCAP)?
The price-to-sales ratio of INTEC CAPITAL LTD. is 5.74 (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 INTEC CAPITAL LTD. (INTECCAP)?
Earnings per share at INTEC CAPITAL LTD. are ₹1.62 (price ÷ EPS = P/E 9.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of INTEC CAPITAL LTD. (INTECCAP)?
The net margin of INTEC CAPITAL LTD. is 63.3% (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 INTEC CAPITAL LTD. (INTECCAP)?
The return on equity (ROE) of INTEC CAPITAL LTD. is 18.2% (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 INTEC CAPITAL LTD. (INTECCAP)?
On an EBIT basis the return on assets of INTEC CAPITAL LTD. is −5.7% (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 INTEC CAPITAL LTD. (INTECCAP)?
The operating margin of INTEC CAPITAL LTD. is −89.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at INTEC CAPITAL LTD. (INTECCAP)?
Revenue at INTEC CAPITAL LTD. is growing −90.1% versus a year earlier (3y avg +81.3%). 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 INTEC CAPITAL LTD. (INTECCAP)?
Earnings per share at INTEC CAPITAL LTD. are growing +58.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does INTEC CAPITAL LTD. (INTECCAP) generate?
The free cash flow of INTEC CAPITAL LTD. is ₹237M (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 INTEC CAPITAL LTD. (INTECCAP) carry?
The net debt of INTEC CAPITAL LTD. is ₹206M (fiscal year 2026, ≈ 0.9 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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