Kanungo Financiers Ltd (KANUNGO) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Kanungo Financiers Ltd ₹14.89, price ₹14.60, upside +2.0%, quality 66 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 ₹3.49 – ₹17.70 · fair‑value band ₹11.54 – ₹18.61 · the ₹14.60 price screens below the ₹14.89 fair value. Dashed = 300-day average. As of Sep 27, 2026.
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Kanungo Financiers Ltd (KANUNGO) currently trades at ₹14.60, while our model-based Fair Value estimate is ₹14.89, so the stock looks roughly fairly valued today (gap 2.0%).
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Valuation
Bull case: the Earnings-Based group reads highest at a median of ₹47.62 per share, and 4 of the 6 models we run sit above the ₹14.60 price.
Bear case: the Asset-Based group reads lowest at ₹9.98, and 2 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: ₹11.54 (bear) to ₹18.61 (bull), the price of ₹14.60 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 66/100 (solid quality), in the Financials sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Kanungo Financiers Ltd reported revenue of ₹0 in FY2026 versus ₹2.6M in FY2022. Reported net income was ₹6.3M in FY2026.
Key figures
Market cap ₹67.7M (≈ $703K) · P/E ratio 11.4 · P/S ratio 6.35 · EPS (TTM) ₹1.28 · Net margin 61.3% · Return on equity 9.6% · Return on assets (EBIT) −1.2% · Operating margin 2.5%.
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 13% below its 52-week high and 109% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financials peers we cover trades at 2% fair-value upside, at 2%, KANUNGO screens richer than that median.
Fair Value models
Bear ₹11.54Fair Value ₹14.89Bull ₹18.61
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 (₹0.6523 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.54/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+44.5%
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.
+83.1%
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.
+46.0%
Start year 2020 (pandemic)
Revenue growth 6 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.
+51.3%
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What shareholders gained per year (last 5 years), in INR (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. 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.
+15.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+15.8%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘ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.32% → −9%
2026 sits 141% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Diversified Financials” was too small, so the broader sector is used.)Financials · 3184 stocks
Beats the sector median on 7/12 measures
A mixed picture versus its sector peers.
Valuation
Quality Score65 · Top 25%
Fair Value upside+2.0% · Above median
Profitability
Return on equity (TTM)9.6% · Above median
Return on assets3.3% · Above median
Net margin (TTM)61.3% · Top 25%
Operating margin (TTM)2.5% · Bottom 25%
Growth and dividend
Revenue growth−32.0% · Bottom 25%
Balance sheet
Debt / equity0.35× · Above median
Valuation Multiplesvs Financials 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.
Is Kanungo Financiers Ltd (KANUNGO) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of ₹14.89 versus a price of ₹14.60, about +2% upside (fairly valued).
What is the fair value of KANUNGO?
Our model-based fair value for Kanungo Financiers Ltd is ₹14.89 (as of Sep 27, 2026), built from audited fundamentals. The current price: ₹14.60.
What is the quality score of KANUNGO?
Kanungo Financiers Ltd has a Quality Score of 66/100. 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 Kanungo Financiers Ltd (KANUNGO)?
Our model-based price target is the fair value of ₹14.89 (as of Sep 27, 2026) from 6 valuation models. Cautious scenario ₹11.54, optimistic scenario ₹18.61. It is a calculation from audited fundamentals, not an analyst target.
What is the Kanungo Financiers Ltd stock forecast for 2026?
Our models put fair value at ₹14.89, about +2% upside versus a price of ₹14.60 (fairly valued). Cautious scenario ₹11.54, optimistic scenario ₹18.61. The calculation is refreshed regularly with new filings.
What is the revenue of Kanungo Financiers Ltd (KANUNGO)?
Kanungo Financiers Ltd reported trailing-twelve-month revenue of about ₹9.7M (latest available figure, as of Sep 27, 2026).
What is the intrinsic value of Kanungo Financiers Ltd (KANUNGO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Kanungo Financiers Ltd it is ₹14.89 per share (as of Sep 27, 2026), against a price of ₹14.60. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Kanungo Financiers Ltd stock overvalued or undervalued in 2026?
As of Sep 27, 2026, KANUNGO trades below its calculated fair value: price ₹14.60, fair value ₹14.89, a gap of about +2% (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 KANUNGO?
No. The price is what the market pays today (₹14.60); the fair value is what the company's own numbers justify (₹14.89). For Kanungo Financiers Ltd the two are ₹0.2900 per share apart. That gap is exactly why we show both numbers side by side.
How much is Kanungo Financiers Ltd worth?
The market values Kanungo Financiers Ltd at about ₹67.7M (market capitalisation, as of Sep 27, 2026). Per share that is ₹14.60; our models calculate a fair value of ₹14.89 per share.
What do the bullish and bearish scenarios say about KANUNGO?
Our models span a range for Kanungo Financiers Ltd: cautious scenario ₹11.54, base ₹14.89, optimistic ₹18.61 per share (as of Sep 27, 2026, price ₹14.60). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of KANUNGO?
Kanungo Financiers Ltd trades at a price-to-earnings ratio of 11.4 (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 ₹14.89 is built from several models across several years. Other multiples: P/B 1.0, P/S 7.0, EV/EBITDA 15.4.
How solid is the balance sheet of Kanungo Financiers Ltd (KANUNGO)?
Balance-sheet figures for Kanungo Financiers Ltd (as of Sep 27, 2026): return on equity 9.6%, debt of 0.35 per unit of equity. They feed the Quality Score of 66/100, which measures business quality independently of the share price.
How far is KANUNGO from its 52-week high?
Kanungo Financiers Ltd trades at ₹14.60, about 13% below its 52-week high of ₹16.69 and 109% above the low of ₹6.99 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹14.89 is for.
Which stocks are comparable to Kanungo Financiers Ltd?
From the same area (Financials) we also value LADDERUP, Federal Home Loan Mortgage Corporation, CGABL, BOCHGR, 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 Kanungo Financiers Ltd stock attractive at the current price?
The data as of Sep 27, 2026: price ₹14.60, calculated fair value ₹14.89 (+2%), Quality Score 66/100, from 6 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 KANUNGO calculated?
We run Kanungo Financiers Ltd through 6 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 ₹14.89, 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. Kanungo Financiers Ltd currently trades 2 % 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 Kanungo Financiers Ltd (KANUNGO)?
The closing price on Oct 1, 2026 was ₹14.60. Our model-based fair value is ₹14.89, about +2% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Kanungo Financiers Ltd right now?
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 Kanungo Financiers Ltd
How large is the market capitalisation of Kanungo Financiers Ltd (KANUNGO)?
The market capitalisation of Kanungo Financiers Ltd is ₹67.7M (≈ $703K). 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 Kanungo Financiers Ltd (KANUNGO)?
The price-to-sales ratio of Kanungo Financiers Ltd is 6.35 (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 Kanungo Financiers Ltd (KANUNGO)?
Earnings per share at Kanungo Financiers Ltd are ₹1.28 (price ÷ EPS = P/E 11.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Kanungo Financiers Ltd (KANUNGO)?
The net margin of Kanungo Financiers Ltd is 61.3% (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 Kanungo Financiers Ltd (KANUNGO)?
The return on equity (ROE) of Kanungo Financiers Ltd is 9.6% (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 Kanungo Financiers Ltd (KANUNGO)?
On an EBIT basis the return on assets of Kanungo Financiers Ltd is −1.2% (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 Kanungo Financiers Ltd (KANUNGO)?
The operating margin of Kanungo Financiers Ltd is 2.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Kanungo Financiers Ltd (KANUNGO)?
Revenue at Kanungo Financiers Ltd is growing −32.0% 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 Kanungo Financiers Ltd (KANUNGO)?
Earnings per share at Kanungo Financiers Ltd are growing −95.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Kanungo Financiers Ltd (KANUNGO) generate?
The free cash flow of Kanungo Financiers Ltd is −₹3.1M (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 Kanungo Financiers Ltd (KANUNGO) carry?
The net debt of Kanungo Financiers Ltd is ₹22.7M (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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