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Pacheli Industrial Finance Ltd (PIFL) fair value: what the stock is really worth

As of Oct 1, 2026: fair value of Pacheli Industrial Finance Ltd ₹7.30, price ₹35.04, upside -79.2%, quality 19 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · IN · ISIN INE926B01016

PI Thin data Oct 3, 2026

Pacheli Industrial Finance Ltd

PIFL · BSE

Weakest SetupStrongly overvalued and low quality.

Fair value ₹7.30 · Strongly overvalued (−79.2%)
Quality 19/100
Weak Growth (revenue 5y −20.2 %/yr in INR)
High debt
Negative free cash flow
Trails peers (0/7)
Narrow moat 13/100
Thin data
⚠ Dilution
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

₹78.19 ₹1.82 Fair Value ₹7.30 Jul 2015 Oct 2026

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 ₹1.82 – ₹78.19 · fair‑value band ₹4.82 – ₹9.13 · the ₹35.04 price screens above the ₹7.30 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 3, 2026.

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Company profile

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.

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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.

Stock analysis

Pacheli Industrial Finance Ltd (PIFL) currently trades at ₹35.04, while our model-based Fair Value estimate is ₹7.30, 79.2% below the price, so the stock looks overvalued today.

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Valuation

How firm this estimate is: it rests on 1 models at a data quality of 95/100, which puts the evidence level at low.

Scenario range: ₹4.82 (bear) to ₹9.13 (bull), the price of ₹35.04 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 19/100 (below-average quality), in the Financial Services sector.

Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.

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.

Key figures

Market cap ₹20.5B (≈ $213M) · EPS (TTM) ₹−0.1100 · Return on equity −1.2% · Return on assets (EBIT) 0.2% · Operating margin −155% · Revenue (TTM) ₹792K · Revenue growth (YoY) +0.9% · EPS growth (YoY) −91.9%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (medium confidence).

What moves the price

The share trades about 46% below its 52-week high and 43% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at 21% fair-value upside, at −79%, PIFL screens richer than that median.

Fair Value models

Bear ₹4.82 Fair Value ₹7.30 Bull ₹9.13
Price ₹35.04 · Upside -79.2%
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.
Highest evidence
NCAV (Graham) ₹8.18 ₹10.97 ₹16.37 54
All 1 models by family
Asset-Based
NCAV (Graham) ₹8.18 ₹10.97 ₹16.37 54

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Quality Score breakdown

Overall quality 19/100

Of which business quality 19 · Market factors (momentum, volatility) 34

Profitability 7
Margins and returns on capital today
Quality Growth 40
Are margins and returns improving?
Cashflow 34
Earnings quality: real cash, not paper profit
Fin. Strength 9
Balance sheet, leverage, solvency risk
Investment 33
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 31
Price trend over the last 3–12 months (market factor)
52W Momentum 19
Distance to the 52-week high (market factor)
Net Issuance 0
Share count: buybacks or dilution?

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Revenue & earnings trend

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. 0/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
−87.8%
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.
+55.4%
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.
−20.2%
Start year 2020 (pandemic). Over 10 years: −13.9% a year
Revenue growth 11 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.
−8.9%
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.
21.3% (2020) → −3,656.6% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

PIFL screens overvalued: fair value 79% below the price. Compare with Federal Home Loan Mortgage Corporation →

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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.Mortgage Finance · 88 stocks

Beats the industry median on 0/6 measures
Overall it trails its industry peers.
Valuation
Quality Score 19 · Bottom 25%
Fair Value upside −79.2% · Bottom 25%
Profitability
Return on assets −0.1% · Bottom 25%
Operating margin (TTM) −154.7% · Bottom 25%
Growth and dividend
Revenue growth 0.9% · Bottom 25%
Balance sheet
Debt / equity 3.12× · Above median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 13
FUTURE (revenue growth)5 · sector 84
PAST (return on equity)0 · sector 36
HEALTH (low debt)0 · sector 2
DIVIDEND (yield)0 · sector 97

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Mortgage Finance stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Federal Home Loan Mortgage Corporation FMCCT $12.00 $24.00 +100%
Rocket Companies, Inc RKT $11.97 $2.81 −77%
Federal National Mortgage Association FNMAS $8.40 $2.00 −76%
Bajaj Housing Finance Limited BAJAJHFL ₹83.14 ₹25.20 −70%
PennyMac Financial Services, Inc PFSI $62.00 $124.00 +100%
LIC Housing Finance Limited LICHSGFIN ₹564.15 ₹1,128 +100%
PNB Housing Finance Limited PNBHOUSING ₹1,098 ₹1,329 +21%
Aadhar Housing Finance Limited AADHARHFC ₹448.40 ₹611.66 +36%
UWM Holdings UWMC $1.26 $0.2200 −83%
Guild Holdings GHLD $64.54 $55.87 −13%

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Pacheli Industrial Finance Ltd · Fair Value
₹7.30 −79%Fair Value
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Cite: Fair Value Calculator (2026). "Pacheli Industrial Finance Ltd Fair Value". https://www.fairvalue-calculator.com/stock/PIFL

Frequently asked questions

Is Pacheli Industrial Finance Ltd (PIFL) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of ₹7.30 versus a price of ₹35.04, about −79% upside (overvalued).
What is the fair value of PIFL?
Our model-based fair value for Pacheli Industrial Finance Ltd is ₹7.30 (as of Oct 3, 2026), built from audited fundamentals. The current price: ₹35.04.
What is the quality score of PIFL?
Pacheli Industrial Finance Ltd has a Quality Score of 19/100. 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 Pacheli Industrial Finance Ltd (PIFL)?
Our model-based price target is the fair value of ₹7.30 (as of Oct 3, 2026) from 1 valuation models. Cautious scenario ₹4.82, optimistic scenario ₹9.13. It is a calculation from audited fundamentals, not an analyst target.
What is the Pacheli Industrial Finance Ltd stock forecast for 2026?
Our models put fair value at ₹7.30, about −79% upside versus a price of ₹35.04 (overvalued). Cautious scenario ₹4.82, optimistic scenario ₹9.13. The calculation is refreshed regularly with new filings.
What is the revenue of Pacheli Industrial Finance Ltd (PIFL)?
Pacheli Industrial Finance Ltd reported trailing-twelve-month revenue of about ₹792K (latest available figure, as of Oct 3, 2026).
What is the intrinsic value of Pacheli Industrial Finance Ltd (PIFL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Pacheli Industrial Finance Ltd it is ₹7.30 per share (as of Oct 3, 2026), against a price of ₹35.04. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Pacheli Industrial Finance Ltd stock overvalued or undervalued in 2026?
As of Oct 3, 2026, PIFL trades above its calculated fair value: price ₹35.04, fair value ₹7.30, a gap of about −79% (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 PIFL?
No. The price is what the market pays today (₹35.04); the fair value is what the company's own numbers justify (₹7.30). For Pacheli Industrial Finance Ltd the two are ₹27.74 per share apart. That gap is exactly why we show both numbers side by side.
How much is Pacheli Industrial Finance Ltd worth?
The market values Pacheli Industrial Finance Ltd at about ₹20.5B (market capitalisation, as of Oct 3, 2026). Per share that is ₹35.04; our models calculate a fair value of ₹7.30 per share.
What do the bullish and bearish scenarios say about PIFL?
Our models span a range for Pacheli Industrial Finance Ltd: cautious scenario ₹4.82, base ₹7.30, optimistic ₹9.13 per share (as of Oct 3, 2026, price ₹35.04). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Pacheli Industrial Finance Ltd (PIFL)?
Balance-sheet figures for Pacheli Industrial Finance Ltd (as of Oct 3, 2026): return on equity −1.2%, debt of 3.12 per unit of equity. They feed the Quality Score of 19/100, which measures business quality independently of the share price.
How far is PIFL from its 52-week high?
Pacheli Industrial Finance Ltd trades at ₹35.04, about 46% below its 52-week high of ₹64.72 and 43% above the low of ₹24.51 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹7.30 is for.
Which stocks are comparable to Pacheli Industrial Finance Ltd?
From the same area (Financial Services) we also value Federal Home Loan Mortgage Corporation, Rocket Companies, Inc, Federal National Mortgage Association, Bajaj Housing Finance Limited, 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 Pacheli Industrial Finance Ltd stock attractive at the current price?
The data as of Oct 3, 2026: price ₹35.04, calculated fair value ₹7.30 (−79%), Quality Score 19/100, 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 PIFL calculated?
We run Pacheli Industrial Finance Ltd 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 ₹7.30, 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 14.9 % above its aggregate fair value. Pacheli Industrial 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 Pacheli Industrial Finance Ltd (PIFL)?
The closing price on Oct 1, 2026 was ₹35.04. Our model-based fair value is ₹7.30, about −79% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Pacheli Industrial Finance Ltd right now?
The price sits above even our optimistic bull case (₹9.13). The favourable scenario is already priced in. Weak quality (19/100) 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.

Key figures of Pacheli Industrial Finance Ltd

How large is the market capitalisation of Pacheli Industrial Finance Ltd (PIFL)?
The market capitalisation of Pacheli Industrial Finance Ltd is ₹20.5B (≈ $213M). 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 Pacheli Industrial Finance Ltd (PIFL)?
Earnings per share at Pacheli Industrial Finance Ltd are ₹−0.1100. Earnings per share over the last twelve months: total profit spread across every single share.
What is the return on equity of Pacheli Industrial Finance Ltd (PIFL)?
The return on equity (ROE) of Pacheli Industrial Finance Ltd is −1.2% (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 Pacheli Industrial Finance Ltd (PIFL)?
On an EBIT basis the return on assets of Pacheli Industrial Finance Ltd is 0.2% (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 Pacheli Industrial Finance Ltd (PIFL)?
The operating margin of Pacheli Industrial Finance Ltd is −155% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Pacheli Industrial Finance Ltd (PIFL)?
Revenue at Pacheli Industrial Finance Ltd is growing +0.9% versus a year earlier (3y avg +55.4%). 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 Pacheli Industrial Finance Ltd (PIFL)?
Earnings per share at Pacheli Industrial Finance Ltd are growing −91.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Pacheli Industrial Finance Ltd (PIFL) generate?
The free cash flow of Pacheli Industrial Finance Ltd is −₹53.4M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Pacheli Industrial Finance Ltd (PIFL) carry?
The net debt of Pacheli Industrial Finance Ltd is ₹26.5B (fiscal year 2025). 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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