Kreon Finnancial Services Limited (KREONFIN) Fair Value & Analysis
Financial Services · IN · Market cap ₹1.6B
Fair value as of: Jul 5, 2026
From 15 valuation models · updated today
Share price +128.9% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹19.93 – ₹77.04 · fair‑value band ₹27.24 – ₹89.74 · the ₹77.04 price screens above the ₹27.24 fair value. As of Jul 5, 2026.
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Kreon Finnancial Services Limited (KREONFIN) currently trades at ₹77.04, while our model-based Fair Value estimate is ₹27.24 — implying the stock looks roughly 64.6% overvalued today. We read business quality at 61/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
Over the trailing twelve months, Kreon Finnancial Services Limited generated revenue of ₹360M at a net margin of 20.2%. Revenue declined 0.4% year over year. It earns a return on equity of 21.7%. Net debt stands at ₹361M. Fundamentals as of Jul 5, 2026
Our scenario range runs from ₹27.24 (bear case) to ₹89.74 (bull case); at ₹77.04, the current price sits within that range. The share trades near its 52-week high and 300% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -20% fair-value upside — at -65%, KREONFIN screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 5, 2026. TTM = trailing twelve months.
About the company
Kreon Finnancial Services Limited, a non-banking finance company, provides financial services in India. The company operates in two segments, Commercial Lending and Digital Lending. It is involved in retail loan lending through StuCred, a digital lending mobile application that provides instant short-term loans to college students; and money lending for business purpose. The company was formerly known as Tatia Finnancial Services Limited and changed its name to Kreon Finnancial Services Limited in 2008. Kreon Finnancial Services Limited was incorporated in 1994 and is headquartered in Chennai, India.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Kreon Finnancial Services Limited reported revenue of ₹360M in FY2026 versus ₹38.2M in FY2022, a compound +75.2%/yr. Reported net income was ₹72.6M in FY2026, compounding +36.3%/yr from FY2022.
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| Capital One Financial Corporation COF | $200.70 | $125.08 | -38% |
| Bajaj Finance Limited BAJFINANCE | ₹884.10 | ₹604.72 | -32% |
| PayPal Holdings PYPL | 720.50 MXN | 1,155 MXN | +60% |
| Synchrony Financial, S1YF34 | R$412.88 | R$211.20 | -49% |
| Shriram Finance Limited SHRIRAMFIN | ₹923.30 | ₹735.80 | -20% |
| Power Finance Corporation PFC | ₹431.30 | ₹616.44 | +43% |
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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.
Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.