Optimus Finance Ltd (OPTIFIN) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Optimus Finance Ltd ₹6.42, price ₹14.49, upside -55.7%, quality 37 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 Oct 3, 2026.
How to read this chart
60‑month range ₹2.00 – ₹27.52 · fair‑value band ₹4.24 – ₹14.39 · the ₹14.49 price screens above the ₹6.42 fair value. Dashed = 300-day average. As of Oct 3, 2026.
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Optimus Finance Ltd (OPTIFIN) currently trades at ₹14.49, while our model-based Fair Value estimate is ₹6.42, 55.7% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of ₹27.10 per share, and 6 of the 15 models we run sit above the ₹14.49 price.
Bear case: the Economic Profit group reads lowest at ₹5.00, and 9 of the 15 models stay below the price. Evidence for this calculation is low.
Scenario range: ₹4.24 (bear) to ₹14.39 (bull), the price of ₹14.49 sits above 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 37/100 (below-average quality).
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Optimus Finance Ltd reported revenue of ₹1.9B in FY2026 versus ₹667M in FY2022, a compound +29.1%/yr. Reported net income was ₹58.0M in FY2026, compounding +21.7%/yr from FY2022.
Key figures
Market cap ₹1.1B (≈ $11.2M) · P/E ratio 15.3 · P/S ratio 0.48 · EPS (TTM) ₹−0.9400 · Net margin 3.1% · Return on equity 9.5% · Return on assets (EBIT) 7.5% · Operating margin 4.4%.
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 28% below its 52-week high and 29% above its 52-week low, currently above its 200-day average.
Fair Value models
Bear ₹4.24Fair Value ₹6.42Bull ₹14.39
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.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.58/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+17.4%
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.
+24.6%
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.
+28.2%
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.
+17.4%
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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.
−23.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year−23.0%
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.6% → 4%
⚠ Revenue per share shrinking 26.1%/yr over ~5Y (margins intact) ⓘ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.
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Is Optimus Finance Ltd (OPTIFIN) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of ₹6.42 versus a price of ₹14.49, about −56% upside (overvalued).
What is the fair value of OPTIFIN?
Our model-based fair value for Optimus Finance Ltd is ₹6.42 (as of Oct 3, 2026), built from audited fundamentals. The current price: ₹14.49.
What is the quality score of OPTIFIN?
Optimus Finance Ltd has a Quality Score of 37/100. 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 Optimus Finance Ltd (OPTIFIN)?
Our model-based price target is the fair value of ₹6.42 (as of Oct 3, 2026) from 15 valuation models. Cautious scenario ₹4.24, optimistic scenario ₹14.39. It is a calculation from audited fundamentals, not an analyst target.
What is the Optimus Finance Ltd stock forecast for 2026?
Our models put fair value at ₹6.42, about −56% upside versus a price of ₹14.49 (overvalued). Cautious scenario ₹4.24, optimistic scenario ₹14.39. The calculation is refreshed regularly with new filings.
What is the revenue of Optimus Finance Ltd (OPTIFIN)?
Optimus Finance Ltd reported trailing-twelve-month revenue of about ₹2.0B (latest available figure, as of Oct 3, 2026).
What is the intrinsic value of Optimus Finance Ltd (OPTIFIN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Optimus Finance Ltd it is ₹6.42 per share (as of Oct 3, 2026), against a price of ₹14.49. It is the blended result of 15 valuation models (cash flow, earnings, asset, dividend).
Is Optimus Finance Ltd stock overvalued or undervalued in 2026?
As of Oct 3, 2026, OPTIFIN trades above its calculated fair value: price ₹14.49, fair value ₹6.42, a gap of about −56% (overvalued). 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 OPTIFIN?
No. The price is what the market pays today (₹14.49); the fair value is what the company's own numbers justify (₹6.42). For Optimus Finance Ltd the two are ₹8.07 per share apart. That gap is exactly why we show both numbers side by side.
How much is Optimus Finance Ltd worth?
The market values Optimus Finance Ltd at about ₹1.1B (market capitalisation, as of Oct 3, 2026). Per share that is ₹14.49; our models calculate a fair value of ₹6.42 per share.
What do the bullish and bearish scenarios say about OPTIFIN?
Our models span a range for Optimus Finance Ltd: cautious scenario ₹4.24, base ₹6.42, optimistic ₹14.39 per share (as of Oct 3, 2026, price ₹14.49). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is OPTIFIN from its 52-week high?
Optimus Finance Ltd trades at ₹14.49, about 28% below its 52-week high of ₹20.22 and 29% above the low of ₹11.19 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹6.42 is for.
Is Optimus Finance Ltd stock attractive at the current price?
The data as of Oct 3, 2026: price ₹14.49, calculated fair value ₹6.42 (−56%), Quality Score 37/100, from 15 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 OPTIFIN calculated?
We run Optimus Finance Ltd through 15 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 ₹6.42, 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. Optimus Finance Ltd itself currently trades above fair value. 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 Optimus Finance Ltd (OPTIFIN)?
The closing price on Oct 1, 2026 was ₹14.49. Our model-based fair value is ₹6.42, about −56% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Optimus Finance Ltd right now?
Weak quality (37/100) and above fair value at the same time, the margin of safety is missing on both counts. The model range is unusually wide (₹4.24 to ₹14.39). 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 Optimus Finance Ltd
How large is the market capitalisation of Optimus Finance Ltd (OPTIFIN)?
The market capitalisation of Optimus Finance Ltd is ₹1.1B (≈ $11.2M). 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/E ratio of Optimus Finance Ltd (OPTIFIN)?
The price-to-earnings ratio of Optimus Finance Ltd is 15.3 (as of Jul 5, 2026). Price to earnings: how many years of current profit you pay for the stock. A P/E of 10 means ten years of profit.
What is the P/S ratio of Optimus Finance Ltd (OPTIFIN)?
The price-to-sales ratio of Optimus Finance Ltd is 0.48 (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 Optimus Finance Ltd (OPTIFIN)?
Earnings per share at Optimus Finance Ltd are ₹−0.9400 (price ÷ EPS = P/E 15.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Optimus Finance Ltd (OPTIFIN)?
The net margin of Optimus Finance Ltd is 3.1% (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 Optimus Finance Ltd (OPTIFIN)?
The return on equity (ROE) of Optimus Finance Ltd is 9.5% (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 Optimus Finance Ltd (OPTIFIN)?
On an EBIT basis the return on assets of Optimus Finance Ltd is 7.5% (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 Optimus Finance Ltd (OPTIFIN)?
The operating margin of Optimus Finance Ltd is 4.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Optimus Finance Ltd (OPTIFIN)?
Revenue at Optimus Finance Ltd is growing +50.6% versus a year earlier (3y avg +24.6%). 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 Optimus Finance Ltd (OPTIFIN)?
Earnings per share at Optimus Finance Ltd are growing −5.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Optimus Finance Ltd (OPTIFIN) generate?
The free cash flow of Optimus Finance Ltd is −₹209M (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 Optimus Finance Ltd (OPTIFIN) carry?
The net debt of Optimus Finance Ltd is ₹375M (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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