PIRAMAL FINANCE LTD (PIRAMALFIN) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of PIRAMAL FINANCE LTD ₹887, price ₹2,227, upside -60.2%, quality 30 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. As of Sep 24, 2026.
How to read this chart
11‑month range ₹1,316 – ₹2,311 · fair‑value band ₹648.97 – ₹1,082 · the ₹2,227 price screens above the ₹886.90 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Sep 24, 2026.
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Piramal Finance Limited, a housing finance company, provides financing solutions to corporate and private customers in India.
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Piramal Finance Limited, a housing finance company, provides financing solutions to corporate and private customers in India. It offers housing loans, such as home, construction, and home renovation and extension loan; business loans, which include working capital loan, loan against property and secured business loan, as well as loans for growing business, consolidate business needs, and professionals; and real estate financing, corporate finance, emerging corporate lending, and capital markets and advisory services. Piramal Finance Limited was formerly known as Piramal Capital & Housing Finance Limited and changed its name to Piramal Finance Limited in March 2022. The company was incorporated in 1984 and is based in Mumbai, India.
Stock analysis
PIRAMAL FINANCE LTD (PIRAMALFIN) currently trades at ₹2,227, while our model-based Fair Value estimate is ₹886.90, implying the stock looks roughly 151.1% overvalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of ₹1,307 per share, and 1 of the 6 models we run sit above the ₹2,227 price.
Bear case: the Asset-Based group reads lowest at ₹834.48, and 5 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: ₹648.97 (bear) to ₹1,082 (bull), the price of ₹2,227 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 30/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
PIRAMAL FINANCE LTD reported revenue of ₹104B in FY2026 versus ₹45.6B in FY2022, a compound +22.8%/yr. Reported net income was ₹15.0B in FY2026, compounding +29.2%/yr from FY2022.
Key figures
Market cap ₹503B (≈ $5.2B) · P/E ratio 29.8 · P/S ratio 4.33 · EPS (TTM) ₹74.62 · Dividend yield 0.5% · Net margin 14.5% · Return on equity 5.5% · Return on assets (EBIT) 136%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at −60%, PIRAMALFIN screens richer than that median.
Fair Value models
Bear ₹648.97Fair Value ₹886.90Bull ₹1,082
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 (₹30.85 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.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+16.3%
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.
+16.9%
’22
’23
’24
’25
’26
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.
+23.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+22.7%
Dividend (yield on the price)0.5%
Profit margin 2022 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.15% → 4%
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 · 332 stocks
Beats the industry median on 1/12 measures
Overall it trails its industry peers.
Valuation
Quality Score30 · Bottom 25%
Fair Value upside−60% · Bottom 25%
Profitability
Return on equity (TTM)5% · Below median
Return on assets1% · Below median
Net margin (TTM)29% · Above median
Operating margin (TTM)4% · Bottom 25%
Growth and dividend
Revenue growth−57% · Bottom 25%
Dividend yield (TTM)0.5% · Bottom 25%
Balance sheet
Debt / equity2.84× · Highest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (TTM)29.8× · Priciest 25%
P/B1.79× · Pricier than median
P/S (TTM)9.66× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 50
FUTURE (revenue growth)0· sector 39
PAST (return on equity)22· sector 32
HEALTH (low debt)0· sector 58
DIVIDEND (yield)10· sector 65
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is PIRAMAL FINANCE LTD (PIRAMALFIN) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of ₹886.90 versus a price of ₹2,227, about −60% upside (overvalued).
What is the fair value of PIRAMALFIN?
Our model-based fair value for PIRAMAL FINANCE LTD is ₹886.90 (as of Sep 24, 2026), built from audited fundamentals. The current price: ₹2,227.
What is the quality score of PIRAMALFIN?
PIRAMAL FINANCE LTD has a Quality Score of 30/100. 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 PIRAMAL FINANCE LTD (PIRAMALFIN)?
Our model-based price target is the fair value of ₹886.90 (as of Sep 24, 2026) from 7 valuation models. Cautious scenario ₹648.97, optimistic scenario ₹1,082. It is a calculation from audited fundamentals, not an analyst target.
What is the PIRAMAL FINANCE LTD stock forecast for 2026?
Our models put fair value at ₹886.90, about −60% upside versus a price of ₹2,227 (overvalued). Cautious scenario ₹648.97, optimistic scenario ₹1,082. The calculation is refreshed regularly with new filings.
What is the revenue of PIRAMAL FINANCE LTD (PIRAMALFIN)?
PIRAMAL FINANCE LTD reported trailing-twelve-month revenue of about ₹52.1B (latest available figure, as of Sep 24, 2026).
Does PIRAMAL FINANCE LTD pay a dividend?
PIRAMAL FINANCE LTD currently shows a dividend yield of about 0.49% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of PIRAMAL FINANCE LTD (PIRAMALFIN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For PIRAMAL FINANCE LTD it is ₹886.90 per share (as of Sep 24, 2026), against a price of ₹2,227. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is PIRAMAL FINANCE LTD stock overvalued or undervalued in 2026?
As of Sep 24, 2026, PIRAMALFIN trades above its calculated fair value: price ₹2,227, fair value ₹886.90, a gap of about −60% (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 PIRAMALFIN?
No. The price is what the market pays today (₹2,227); the fair value is what the company's own numbers justify (₹886.90). For PIRAMAL FINANCE LTD the two are ₹1,340 per share apart. That gap is exactly why we show both numbers side by side.
How much is PIRAMAL FINANCE LTD worth?
The market values PIRAMAL FINANCE LTD at about ₹503B (market capitalisation, as of Sep 24, 2026). Per share that is ₹2,227; our models calculate a fair value of ₹886.90 per share.
What do the bullish and bearish scenarios say about PIRAMALFIN?
Our models span a range for PIRAMAL FINANCE LTD: cautious scenario ₹648.97, base ₹886.90, optimistic ₹1,082 per share (as of Sep 24, 2026, price ₹2,227). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PIRAMALFIN?
PIRAMAL FINANCE LTD trades at a price-to-earnings ratio of 29.8 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹886.90 is built from several models across several years. Other multiples: P/B 1.8, P/S 9.7.
How solid is the balance sheet of PIRAMAL FINANCE LTD (PIRAMALFIN)?
Balance-sheet figures for PIRAMAL FINANCE LTD (as of Sep 24, 2026): return on equity 5.5%, debt of 2.84 per unit of equity. They feed the Quality Score of 30/100, which measures business quality independently of the share price.
Which stocks are comparable to PIRAMAL FINANCE LTD?
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 PIRAMAL FINANCE LTD stock attractive at the current price?
The data as of Sep 24, 2026: price ₹2,227, calculated fair value ₹886.90 (−60%), Quality Score 30/100, from 7 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 PIRAMALFIN calculated?
We run PIRAMAL FINANCE LTD through 7 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 ₹886.90, 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 14.1 % above its aggregate fair value. PIRAMAL 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 PIRAMAL FINANCE LTD (PIRAMALFIN)?
The closing price on Sep 23, 2026 was ₹2,227. Our model-based fair value is ₹886.90, about −60% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with PIRAMAL FINANCE LTD right now?
The price sits above even our optimistic bull case (₹1,082). The favourable scenario is already priced in. Weak quality (30/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of PIRAMAL FINANCE LTD
How large is the market capitalisation of PIRAMAL FINANCE LTD (PIRAMALFIN)?
The market capitalisation of PIRAMAL FINANCE LTD is ₹503B (≈ $5.2B). 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 PIRAMAL FINANCE LTD (PIRAMALFIN)?
The price-to-sales ratio of PIRAMAL FINANCE LTD is 4.33 (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 PIRAMAL FINANCE LTD (PIRAMALFIN)?
Earnings per share at PIRAMAL FINANCE LTD are ₹74.62 (price ÷ EPS = P/E 29.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of PIRAMAL FINANCE LTD (PIRAMALFIN)?
The dividend yield of PIRAMAL FINANCE LTD is 0.5% (payout 14.7%). 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 PIRAMAL FINANCE LTD (PIRAMALFIN)?
The net margin of PIRAMAL FINANCE LTD is 14.5% (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 PIRAMAL FINANCE LTD (PIRAMALFIN)?
The return on equity (ROE) of PIRAMAL FINANCE LTD is 5.5% (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 PIRAMAL FINANCE LTD (PIRAMALFIN)?
On an EBIT basis the return on assets of PIRAMAL FINANCE LTD is 136% (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 PIRAMAL FINANCE LTD (PIRAMALFIN)?
The operating margin of PIRAMAL FINANCE LTD is 4.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at PIRAMAL FINANCE LTD (PIRAMALFIN)?
Revenue at PIRAMAL FINANCE LTD is growing −56.7% versus a year earlier (3y avg +16.9%). 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 PIRAMAL FINANCE LTD (PIRAMALFIN)?
Earnings per share at PIRAMAL FINANCE LTD are growing +106% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does PIRAMAL FINANCE LTD (PIRAMALFIN) generate?
The free cash flow of PIRAMAL FINANCE LTD is −₹160B (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 PIRAMAL FINANCE LTD (PIRAMALFIN) carry?
The net debt of PIRAMAL FINANCE LTD is ₹757B (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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