Power Finance Corporation Limited (PFC) fair value: what the stock is really worth
We calculate from audited financials what Power Finance Corporation Limited is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 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 18, 2026.
How to read this chart
60‑month range ₹68.53 – ₹527.66 · fair‑value band ₹365.16 – ₹1,373 · the ₹342.55 price screens below the ₹689.90 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 18, 2026.
Power Finance Corporation Limited, a non-banking finance company, provides financial products and related advisory services to the power, logistics, and infrastructure sectors in India.
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Power Finance Corporation Limited, a non-banking finance company, provides financial products and related advisory services to the power, logistics, and infrastructure sectors in India. The company offers fund-based financial policies and products, such as project-specific funding; a revamped distribution sector scheme; funding for clearance of dues-LPS; a revolving bill payment facility; guidelines for solar and wind power generation projects, as well as for funding private sector independent transmission projects (ITP); a debt refinancing policy; a prepayment policy for solar wind ITP and other projects; takeout financing, asset acquisition, bridge loans, buyer's lines of credit, credit facilities for the purchase of power through power exchanges, and conventional and energy-saving projects; and project, medium, and short-term loan services. Its fund-based financial policies/products also include grants/interest-free loans for studies/consultancies; lease financing for the purchase of equipment and wind power projects; a line of credit for the import of coal; a policy for underwriting of debt; and financial assistance to distribution franchisees. The company also provides non-fund-based policies/products comprising guarantees, letters of comfort, and a policy for guarantees for credit enhancement; and non-fund-based consultancy services. Power Finance Corporation Limited was incorporated in 1986 and is headquartered in New Delhi, India.
Stock analysis
Power Finance Corporation Limited (PFC) currently trades at ₹342.55, while our model-based Fair Value estimate is ₹689.90, implying the stock looks roughly 50.3% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of ₹2,503 per share, and 8 of the 9 models we run sit above the ₹342.55 price.
Bear case: the Asset-Based group reads lowest at ₹269.74, and 1 of the 9 models stay below the price. Evidence for this calculation is high.
Scenario range: ₹365.16 (bear) to ₹1,373 (bull), the price of ₹342.55 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 57/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Power Finance Corporation Limited reported revenue of ₹1.1T in FY2026 versus ₹749B in FY2022, a compound +10.7%/yr. Reported net income was ₹259B in FY2026, compounding +16.6%/yr from FY2022.
Key figures
Market cap ₹1.3T (≈ $14.0B) · P/E ratio 4.4 · P/S ratio 1.00 · EPS (TTM) ₹78.50 · Dividend yield 4.9% · Net margin 23.0% · Return on equity 20.5% · Return on assets (EBIT) 3.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (medium confidence).
What moves the price
The share trades about 30% below its 52-week high and 6% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −39% fair-value upside, at 101%, PFC screens cheaper than that median.
Fair Value models
Bear ₹365.16Fair Value ₹689.90Bull ₹1,373
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 (₹29.48 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.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.90/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+6.0%
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.
+14.8%
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.
+9.5%
Revenue growth 22 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.
+19.6%
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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.
+22.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+17.1%
Dividend (yield on the price)4.9%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.17% vs 16%, steady
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.28% → 37%
Growth Forecast
Price in line with expectations
The price assumes about as much growth as the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+12.2%
Yearly growth needed for the next five years to justify today's price.
Compare Power Finance Corporation 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.Credit Services · 335 stocks
Beats the industry median on 9/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score57 · Above median
Fair Value upside+73% · Above median
Profitability
Return on equity (TTM)20% · Top 25%
Return on assets3% · Above median
Net margin (TTM)54% · Top 25%
Operating margin (TTM)93% · Top 25%
Growth and dividend
Revenue growth−15% · Bottom 25%
Dividend yield (TTM)4.9% · Above median
Balance sheet
Debt / equity7.31× · Highest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
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Is Power Finance Corporation Limited (PFC) overvalued or undervalued?
As of Sep 18, 2026, our model estimates a fair value of ₹689.90 versus a price of ₹342.55, about +101% upside (undervalued).
What is the fair value of PFC?
Our model-based fair value for Power Finance Corporation Limited is ₹689.90 (as of Sep 18, 2026), built from audited fundamentals. The current price: ₹342.55.
What is the quality score of PFC?
Power Finance Corporation Limited has a Quality Score of 57/100. 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 Power Finance Corporation Limited (PFC)?
Our model-based price target is the fair value of ₹689.90 (as of Sep 18, 2026) from 12 valuation models. Cautious scenario ₹365.16, optimistic scenario ₹1,373. It is a calculation from audited fundamentals, not an analyst target.
What is the Power Finance Corporation Limited stock forecast for 2026?
Our models put fair value at ₹689.90, about +101% upside versus a price of ₹342.55 (undervalued). Cautious scenario ₹365.16, optimistic scenario ₹1,373. The calculation is refreshed regularly with new filings.
What is the revenue of Power Finance Corporation Limited (PFC)?
Power Finance Corporation Limited reported trailing-twelve-month revenue of about ₹477B (latest available figure, as of Sep 18, 2026).
Does Power Finance Corporation Limited pay a dividend?
Power Finance Corporation Limited currently shows a dividend yield of about 4.86% relative to its recent price (as of Sep 18, 2026).
What growth is priced into Power Finance Corporation Limited (PFC)?
For today's price to be fair in a discounted-cash-flow model, Power Finance Corporation Limited would have to grow free cash flow by +12.2 % per year for five years (discount rate 10.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +9.5 % per year. As of Sep 18, 2026.
What discount rate (WACC) does the fair value of PFC use?
Our models discount Power Finance Corporation Limited at 10.7 %: a base by market capitalisation (large), damped by beta 0.62, country premium for India. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Power Finance Corporation Limited that is +12.2 % per year a year over ten years, using the same discount rate (10.7 %) and the same formula as our fair value.
How much growth has Power Finance Corporation Limited (PFC) delivered so far?
Over the past 5 years revenue at Power Finance Corporation Limited grew +9.5 % a year. The price currently implies +12.2 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Power Finance Corporation Limited (PFC) growing?
The median revenue growth in the sector is +8.1 % a year. That is the yardstick for the growth priced into Power Finance Corporation Limited (+12.2 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Power Finance Corporation Limited (PFC)?
The free-cash-flow yield on the price is 48.71 %: that much free cash flow Power Finance Corporation Limited produces per unit of market value. When it exceeds the discount rate of our models (10.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Power Finance Corporation Limited (PFC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Power Finance Corporation Limited it is ₹689.90 per share (as of Sep 18, 2026), against a price of ₹342.55. It is the blended result of 12 valuation models (cash flow, earnings, asset, dividend).
Is Power Finance Corporation Limited stock overvalued or undervalued in 2026?
As of Sep 18, 2026, PFC trades below its calculated fair value: price ₹342.55, fair value ₹689.90, a gap of about +101% (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 PFC?
No. The price is what the market pays today (₹342.55); the fair value is what the company's own numbers justify (₹689.90). For Power Finance Corporation Limited the two are ₹347.35 per share apart. That gap is exactly why we show both numbers side by side.
How much is Power Finance Corporation Limited worth?
The market values Power Finance Corporation Limited at about ₹1.3T (market capitalisation, as of Sep 18, 2026). Per share that is ₹342.55; our models calculate a fair value of ₹689.90 per share.
What do the bullish and bearish scenarios say about PFC?
Our models span a range for Power Finance Corporation Limited: cautious scenario ₹365.16, base ₹689.90, optimistic ₹1,373 per share (as of Sep 18, 2026, price ₹342.55). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PFC?
Power Finance Corporation Limited trades at a price-to-earnings ratio of 4.4 (as of Sep 18, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹689.90 is built from several models across several years. Other multiples: P/B 1.0, P/S 2.8, EV/EBITDA 25.7.
How solid is the balance sheet of Power Finance Corporation Limited (PFC)?
Balance-sheet figures for Power Finance Corporation Limited (as of Sep 18, 2026): return on equity 20.5%, debt of 7.31 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is PFC from its 52-week high?
Power Finance Corporation Limited trades at ₹342.55, about 30% below its 52-week high of ₹486.50 and 6% above the low of ₹324.11 (as of Sep 18, 2026). Distance from the high says nothing about value: that is what the fair value of ₹689.90 is for.
Which stocks are comparable to Power Finance Corporation Limited?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, 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 Power Finance Corporation Limited stock attractive at the current price?
The data as of Sep 18, 2026: price ₹342.55, calculated fair value ₹689.90 (+101%), Quality Score 57/100, from 12 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 PFC calculated?
We run Power Finance Corporation Limited through 12 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 ₹689.90, 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 16.1 % above its aggregate fair value. Power Finance Corporation Limited currently trades 101 % 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 Power Finance Corporation Limited (PFC)?
The closing price on Sep 18, 2026 was ₹342.55. Our model-based fair value is ₹689.90, about +101% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Power Finance Corporation Limited right now?
The price is below even our cautious bear case (₹365.16). The market is more pessimistic than our downside scenario. The model range is unusually wide (₹365.16 to ₹1,373). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid quality (57/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Power Finance Corporation Limited (PFC) come from?
Earnings per share at Power Finance Corporation Limited grew +18.0 % a year from 2015 to 2026. Broken into its drivers: revenue per share +15.5 %, EBIT margin +2.7 %, tax rate +1.8 %, residual (interest, one-offs) −2.2 %. 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 Power Finance Corporation Limited
How large is the market capitalisation of Power Finance Corporation Limited (PFC)?
The market capitalisation of Power Finance Corporation Limited is ₹1.3T (≈ $14.0B). 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 Power Finance Corporation Limited (PFC)?
The price-to-sales ratio of Power Finance Corporation Limited is 1.00 (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 Power Finance Corporation Limited (PFC)?
Earnings per share at Power Finance Corporation Limited are ₹78.50 (price ÷ EPS = P/E 4.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Power Finance Corporation Limited (PFC)?
The dividend yield of Power Finance Corporation Limited is 4.9% (payout 21.2%). 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 Power Finance Corporation Limited (PFC)?
The net margin of Power Finance Corporation Limited is 23.0% (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 Power Finance Corporation Limited (PFC)?
The return on equity (ROE) of Power Finance Corporation Limited is 20.5% (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 Power Finance Corporation Limited (PFC)?
On an EBIT basis the return on assets of Power Finance Corporation Limited is 3.2% (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 Power Finance Corporation Limited (PFC)?
The operating margin of Power Finance Corporation Limited is 93.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Power Finance Corporation Limited (PFC)?
Revenue at Power Finance Corporation Limited is growing −15.4% versus a year earlier (3y avg +14.8%). 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 Power Finance Corporation Limited (PFC)?
Earnings per share at Power Finance Corporation Limited are growing +10.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Power Finance Corporation Limited (PFC) carry?
The net debt of Power Finance Corporation Limited is ₹10.1T (fiscal year 2026, ≈ 18.3 yrs of FCF). 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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