Piramal Finance Limited (PIRAMALFIN) Fair Value & Analysis
Financial Services · IN · Market cap ₹485B
Fair value as of: Jul 19, 2026
From 7 valuation models · updated 21 days ago
Share price −0.7% over the past month.
Below-average quality, and screening another 37% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (₹1,331). 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.
Price vs Fair Value (9 months)
White line = price, green steps = our fair value per fiscal year. As of Jul 19, 2026.
How to read this chart
9‑month range ₹1,316 – ₹2,197 · fair‑value band ₹998.41 – ₹1,331 · the ₹2,110 price screens above the ₹1,331 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Jul 19, 2026.
Analysis
Piramal Finance Limited (PIRAMALFIN) currently trades at ₹2,110, while our model-based Fair Value estimate is ₹1,331, implying the stock looks roughly 36.9% overvalued today. The Quality Score stands at 30/100 (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: high).
Over the trailing twelve months, Piramal Finance Limited generated revenue of ₹52.0B at a net margin of 29.0%. Revenue declined 24.7% year over year. It earns a return on equity of 6.7%. Net debt stands at ₹757B. Fundamentals as of Jul 19, 2026
Our scenario range runs from ₹998.41 (bear case) to ₹1,331 (bull case); at ₹2,110, 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 near its 52-week high and 67% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at -37%, PIRAMALFIN screens cheaper 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 7 models by family
Widest divergence: Earnings-Based (₹1,307) versus DCF Models (₹525.94). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 19, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 28 · Market factors (momentum, volatility) 72
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
Piramal Finance Limited, a housing finance company, provides financing solutions to corporate and private customers in India.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Piramal Finance Limited 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.
PIRAMALFIN screens 37% overvalued. Compare with Visa Inc →
Peer Group
Credit Services · 333 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.
Valuation Multiples vs Credit Services median · lower = cheaper
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.
Insider activity: 42/100
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 Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 19, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $348.97 | $204.19 | -41% |
| Mastercard Incorporated MA | $537.70 | $221.87 | -59% |
| American Express Company AXP | $358.44 | $206.40 | -42% |
| Bajaj Finance Limited BAJFINANCE | ₹1,056 | ₹397.61 | -62% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,024 | ₹553.83 | -46% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,808 | ₹796.52 | -56% |
| Tata Capital Limited TATACAP | ₹360.60 | ₹229.85 | -36% |
| Power Finance Corporation PFC | ₹405.10 | ₹810.20 | +100% |
| Muthoot Finance Limited MUTHOOTFIN | ₹3,129 | ₹3,463 | +11% |
| Indian Railway Finance Corporation IRFC | ₹88.41 | ₹69.72 | -21% |
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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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