OPTIFIN (OPTIFIN) Fair Value & Analysis

IN · Market cap ₹894M

O OPTIFIN OPTIFIN · BSE

Price₹11.96

Fair Value₹13.19

Upside+10.3%

Quality36/100

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Evidence: Medium Range ₹9.89 – ₹17.01

Fair value as of: Jul 5, 2026

From 15 valuation models · updated today

Share price −11.5% over the past month.

Price vs Fair Value (12 months)

12‑month range ₹11.19 – ₹27.52 · fair‑value band ₹9.89 – ₹17.01 · the ₹11.96 price screens below the ₹13.19 fair value. As of Jul 5, 2026.

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Analysis

OPTIFIN (OPTIFIN) currently trades at ₹11.96, while our model-based Fair Value estimate is ₹13.19 — implying the stock looks roughly 10.3% undervalued today. We read business quality at 36/100 (below-average quality). Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium) — always confirm before acting.

Over the trailing twelve months, OPTIFIN generated revenue of ₹1.8B at a net margin of 3.2%. Revenue grew 18.1% year over year. It earns a return on equity of 9.5%. Net debt stands at ₹375M. Fundamentals as of Jul 5, 2026

Our scenario range runs from ₹9.89 (bear case) to ₹17.01 (bull case); at ₹11.96, the current price sits within that range. The share trades about 59% below its 52-week high and 12% above its 52-week low, currently below its 200-day average.

Key figures & financial health

Revenue (TTM) ₹1.8B

Revenue growth (YoY) +18.1%

Net margin 3.2%

Return on equity 9.5%

Free cash flow −₹209M FY2026

P/E ratio 15.3

More key figures

Operating margin 5.8%

EPS (TTM) ₹0.7800

EPS growth (YoY) +18.8%

Net debt ₹375M FY2026

Figures from reported company fundamentals (EODHD) · as of Jul 5, 2026. TTM = trailing twelve months.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

OPTIFIN 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.

Revenue +29.1%/yr

FY22 ₹667M

FY23 ₹958M

FY24 ₹1.1B

FY25 ₹1.6B

FY26 ₹1.9B

Net income +21.7%/yr

FY22 ₹26.4M

FY23 ₹45.3M

FY24 ₹52.6M

FY25 ₹58.1M

FY26 ₹58.0M

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<a href="https://www.fairvalue-calculator.com/stock/OPTIFIN" target="_blank" rel="noopener" style="display:inline-flex;align-items:center;gap:12px;box-sizing:border-box;font-family:system-ui,-apple-system,Segoe UI,Roboto,sans-serif;text-decoration:none;background:#0f1814;color:#eaf2ed;border:1px solid #2a3a30;border-radius:12px;padding:12px 16px;max-width:360px"><span style="line-height:1.35"><span style="font-size:12px;color:#9fb0a8">OPTIFIN · Fair Value</span><br><b style="font-size:20px">₹13.19</b> <span style="color:#7BB290;font-weight:700;font-size:14px">+10%</span></span><span style="font-size:11px;color:#7BB290;font-weight:700;margin-left:auto;text-align:right;line-height:1.3">Fair&nbsp;Value<br>Calculator&nbsp;→</span></a>

Cite: Fair Value Calculator (2026). "OPTIFIN Fair Value". https://www.fairvalue-calculator.com/stock/OPTIFIN

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Frequently asked questions

Is OPTIFIN (OPTIFIN) undervalued?

As of Jul 5, 2026, our model estimates a fair value of ₹13.19 versus a price of ₹11.96 — about +10% (undervalued). Model-based estimate, not financial advice.

What is the fair value of OPTIFIN?

Our model-based fair value for OPTIFIN is ₹13.19 (as of Jul 5, 2026), built from audited fundamentals. The current price is ₹11.96.

What is the quality score of OPTIFIN?

OPTIFIN has a Quality Score of 36/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

What is the revenue of OPTIFIN (OPTIFIN)?

OPTIFIN reported trailing-twelve-month revenue of about ₹1.8B (latest available figure, as of Jul 5, 2026).

What is the net profit margin of OPTIFIN?

The net profit margin of OPTIFIN is about 3.2%, meaning it keeps roughly 3.2% of revenue as net income. Based on the latest reported figures.

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.