Naga Dhunseri Group Limited (NDGL) fair value: what the stock is really worth
As of Oct 30, 2026: fair value (intrinsic value) of Naga Dhunseri Group Limited stock ₹4,686, price ₹2,343, upside +100.0%, quality 40 out of 100. Rating: strongly undervalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Naga Dhunseri Group Limited, an investment company, operates as a non-banking financial company. It operates in investments in Shares and Securities. The company was formerly known as Naga Dhunseri Holding Group Ltd. and changed its name to Naga Dhunseri Group Limited in March 1995.
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Naga Dhunseri Group Limited was incorporated in 1918 and is based in Kolkata, India.
Stock analysis
Naga Dhunseri Group Limited (NDGL) currently trades at ₹2,343, while our model-based Fair Value estimate is ₹4,686, implying the stock looks roughly 50.0% undervalued today.
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Valuation
How firm this estimate is: it rests on 2 models at a data quality of 90/100, which puts the data coverage at low.
Scenario range: ₹3,497 (bear) to ₹6,994 (bull), the price of ₹2,343 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 40/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Naga Dhunseri Group Limited reported revenue of ₹5.0B in FY2026 versus ₹17.1M in FY2022, a compound +314.0%/yr. Reported net income was −₹93.3M in FY2026.
Key figures
Market cap ₹2.3B (≈ $24.7M) Micro · EPS (TTM) ₹−3.28 · Dividend yield 0.6% · Net margin −1.9% · Return on equity 1,290% · Return on assets (EBIT) 0.9% · Free cash flow −₹152M · Net debt ₹2.1B.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 24 out of 100 (medium confidence).
What moves the price
The share trades about 39% below its 52-week high and 7% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −17% fair-value upside, at 100%, NDGL screens cheaper than that median.
Fair Value models
Bear₹3,497Fair Value ₹4,686Bull₹6,994
Price ₹2,343 · Upside +100.0%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.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.Coverage ⓘCoverage = 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.55/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+642.6%
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.
+465.3%
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Profit margin (trend) ⓘ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.
121.4% (2021) → −3.6% (2026)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2026 is a loss year, no rate is defined from a loss
Compare Naga Dhunseri Group Limited 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.Capital Markets · 461 stocks
Beats the industry median on 1/9 measures
Overall it trails its industry peers.
Valuation
Quality Score40 · Bottom 25%
Fair Value upside+100.0% · Top 25%
Profitability
Return on assets−0.5% · Bottom 25%
Net margin (12 months)−1.9% · Bottom 25%
Operating margin (12 months)0.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)0.0% · Below median
Dividend yield (12 months)0.6% · Bottom 25%
Balance sheet
Debt / equity0.19× · Above median
Valuation Multiplesvs Capital Markets median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Naga Dhunseri Group Limited Fair Value". https://www.fairvalue-calculator.com/stock/NDGL
Frequently asked questions
Is Naga Dhunseri Group Limited (NDGL) overvalued or undervalued?
As of Oct 31, 2026, our model estimates a fair value of ₹4,686 versus a price of ₹2,343, about +100% upside (undervalued).
What is the fair value of NDGL?
Our model-based fair value for Naga Dhunseri Group Limited is ₹4,686 (as of Oct 31, 2026), built from audited fundamentals. The current price: ₹2,343.
What is the quality score of NDGL?
Naga Dhunseri Group Limited has a Quality Score of 40/100. 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 Naga Dhunseri Group Limited (NDGL)?
Our model-based price target is the fair value of ₹4,686 (as of Oct 31, 2026) from 1 valuation models. Cautious scenario ₹3,497, optimistic scenario ₹6,994. It is a calculation from audited fundamentals, not an analyst target.
What is the Naga Dhunseri Group Limited stock forecast for 2026?
Our models put fair value at ₹4,686, about +100% upside versus a price of ₹2,343 (undervalued). Cautious scenario ₹3,497, optimistic scenario ₹6,994. The calculation is refreshed regularly with new filings.
Does Naga Dhunseri Group Limited pay a dividend?
Naga Dhunseri Group Limited currently shows a dividend yield of 0.56% relative to its recent price (as of Oct 31, 2026).
What is the intrinsic value of Naga Dhunseri Group Limited (NDGL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Naga Dhunseri Group Limited it is ₹4,686 per share (as of Oct 31, 2026), against a price of ₹2,343. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Naga Dhunseri Group Limited stock overvalued or undervalued in 2026?
As of Oct 31, 2026, NDGL trades below its calculated fair value: price ₹2,343, fair value ₹4,686, 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 NDGL?
No. The price is what the market pays today (₹2,343); the fair value is what the company's own numbers justify (₹4,686). For Naga Dhunseri Group Limited the two are ₹2,343 per share apart. That gap is exactly why we show both numbers side by side.
How much is Naga Dhunseri Group Limited worth?
The market values Naga Dhunseri Group Limited at about ₹2.3B (market capitalisation, as of Oct 31, 2026). Per share that is ₹2,343; our models calculate a fair value of ₹4,686 per share.
What do the bullish and bearish scenarios say about NDGL?
Our models span a range for Naga Dhunseri Group Limited: cautious scenario ₹3,497, base ₹4,686, optimistic ₹6,994 per share (as of Oct 31, 2026, price ₹2,343). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Naga Dhunseri Group Limited (NDGL)?
Balance-sheet figures for Naga Dhunseri Group Limited (as of Oct 31, 2026): debt of 0.19 per unit of equity. They feed the Quality Score of 40/100, which measures business quality independently of the share price.
How far is NDGL from its 52-week high?
Naga Dhunseri Group Limited trades at ₹2,343, about 39% below its 52-week high of ₹3,843 and 7% above the low of ₹2,184 (as of Oct 30, 2026). Distance from the high says nothing about value: that is what the fair value of ₹4,686 is for.
Which stocks are comparable to Naga Dhunseri Group Limited?
From the same area (Financial Services) we also value Morgan Stanley, a financial holding company,, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers Group, 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 Naga Dhunseri Group Limited stock attractive at the current price?
The data as of Oct 31, 2026: price ₹2,343, calculated fair value ₹4,686 (+100%), Quality Score 40/100, from 1 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 NDGL calculated?
We run Naga Dhunseri Group Limited through 1 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 ₹4,686, 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 13.4 % above its aggregate fair value. Naga Dhunseri Group Limited 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 Naga Dhunseri Group Limited (NDGL)?
The closing price on Oct 30, 2026 was ₹2,343. Our model-based fair value is ₹4,686, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Naga Dhunseri Group Limited right now?
The large discount to fair value meets weak quality (40/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (₹3,497). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range (₹3,497 to ₹6,994) leaves room in how you read the outcome.
Where does the earnings growth of Naga Dhunseri Group Limited (NDGL) come from?
Earnings per share at Naga Dhunseri Group Limited grew −3.8 % a year from 2015 to 2026. Broken into its drivers: revenue per share +1.8 %, EBIT margin +5.1 %, tax rate −1.0 %, residual (interest, one-offs) −9.2 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Naga Dhunseri Group Limited
How large is the market capitalisation of Naga Dhunseri Group Limited (NDGL)?
The market capitalisation of Naga Dhunseri Group Limited is ₹2.3B (≈ $24.7M). 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 Naga Dhunseri Group Limited (NDGL)?
Earnings per share at Naga Dhunseri Group Limited are ₹−3.28. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Naga Dhunseri Group Limited (NDGL)?
The dividend yield of Naga Dhunseri Group Limited is 0.6%. 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 Naga Dhunseri Group Limited (NDGL)?
The net margin of Naga Dhunseri Group Limited is −1.9% (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 Naga Dhunseri Group Limited (NDGL)?
The return on equity (ROE) of Naga Dhunseri Group Limited is 1,290% (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 Naga Dhunseri Group Limited (NDGL)?
On an EBIT basis the return on assets of Naga Dhunseri Group Limited is 0.9% (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.
How much free cash flow does Naga Dhunseri Group Limited (NDGL) generate?
The free cash flow of Naga Dhunseri Group Limited is −₹152M (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 Naga Dhunseri Group Limited (NDGL) carry?
The net debt of Naga Dhunseri Group Limited is ₹2.1B (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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Thin data
Oct 31, 2026