Pacheli Industrial Finance Ltd (PIFL) Fair Value & Analysis
Financial Services · IN · Market cap ₹20.5B
Fair value as of: Aug 13, 2026
From 1 valuation models · updated 6 days ago
Below-average quality, and screening another 81% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (₹9.13). The favourable scenario is already priced in.
- Weak quality (16/100) and above fair value at the same time, the margin of safety is missing on both counts.
- 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 (₹4.82 to ₹9.13) leaves room in how you read the outcome.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range ₹1.82 – ₹78.19 · fair‑value band ₹4.82 – ₹9.13 · the ₹38.49 price screens above the ₹7.30 fair value. Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Pacheli Industrial Finance Ltd (PIFL) currently trades at ₹38.49, while our model-based Fair Value estimate is ₹7.30, implying the stock looks roughly 81.0% overvalued today. The Quality Score stands at 16/100 (below-average 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: low).
Trailing-twelve-month revenue stands at ₹792K. Revenue grew 0.9% year over year. It earns a return on equity of -1.2%. Net debt stands at ₹26.5B. Fundamentals as of Aug 13, 2026
Our scenario range runs from ₹4.82 (bear case) to ₹9.13 (bull case); at ₹38.49, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 42% below its 52-week high and 107% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -35% fair-value upside, at -81%, PIFL screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 1 models by family
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 19 · Market factors (momentum, volatility) 65
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Pacheli Industrial Finance Limited engages in financing and investment activities in India. The company offers loans for real estate and development activities. It also provides consultancy services in real estate sector; and deals in shares and securities.
Full company description
Pacheli Industrial Finance Limited engages in financing and investment activities in India. The company offers loans for real estate and development activities. It also provides consultancy services in real estate sector; and deals in shares and securities. The company was formerly known as Dhoot Industries Limited and changed its name to Pacheli Industrial Finance Limited in January 2016. Pacheli Industrial Finance Limited was incorporated in 1985 and is based in New Delhi, India.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Pacheli Industrial Finance Ltd reported revenue of ₹765K in FY2025 versus ₹3.1M in FY2021, a compound −29.3%/yr. Reported net income was −₹50.1M in FY2025.
PIFL screens 81% overvalued. Compare with Federal Home Loan Mortgage Corporation →
Peer Group
Mortgage Finance · 93 stocks
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.
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Mortgage Finance stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCCT | $15.00 | $30.00 | +100% |
| Rocket Companies, Inc RKT | $14.05 | $10.56 | -25% |
| Federal National Mortgage Association FNMAS | $10.06 | $2.01 | -80% |
| Bajaj Housing Finance Limited BAJAJHFL | ₹84.75 | ₹39.96 | -53% |
| LIC Housing Finance Limited LICHSGFIN | ₹502.00 | ₹1,004 | +100% |
| PNB Housing Finance Limited PNBHOUSING | ₹1,165 | ₹762.89 | -35% |
| Aadhar Housing Finance Limited AADHARHFC | ₹502.00 | ₹325.75 | -35% |
| Aptus Value Housing Finance India Limited APTUS | ₹254.75 | ₹244.80 | -4% |
| Home First Finance Company HOMEFIRST | ₹1,181 | ₹455.73 | -61% |
| Aavas Financiers Limited AAVAS | ₹1,416 | ₹675.38 | -52% |
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Frequently asked questions
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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.
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