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RICH UNIVERSE NETWORK LTD. (RICHUNV) fair value: what the stock is really worth

As of Oct 1, 2026: fair value of RICH UNIVERSE NETWORK LTD. ₹8.90, price ₹10.30, upside -13.6%, quality 67 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? Yes
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Financial Services · IN · ISIN INE652D01014

RU Thin data Oct 3, 2026

RICH UNIVERSE NETWORK LTD.

RICHUNV · BSE

Overvalued / MonitorQuality is not strong enough to offset the price risk.

Quality 67/100
Highly profitable · 94.7% net margin (TTM)
Low debt
Mixed Growth (revenue 3y +65.2 %/yr in INR)
Mixed vs. peers (5/12)
Fair value ₹8.90 · Overvalued (−13.6%)
Negative free cash flow
Narrow moat 36/100
Thin data
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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

₹20.75 ₹3.87 Fair Value ₹8.90 Aug 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 ₹3.87 – ₹20.75 · fair‑value band ₹6.67 – ₹11.12 · the ₹10.30 price screens above the ₹8.90 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

Rich Universe Network Limited engages in the provision of financial services to corporates in India. It provides assists on business set-up and planning, recognition of associates, market intelligence for trade, competitors tracking, and legal advisory services, as well as acquisition, merger, and internal corporate restructuring.

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Rich Universe Network Limited engages in the provision of financial services to corporates in India. It provides assists on business set-up and planning, recognition of associates, market intelligence for trade, competitors tracking, and legal advisory services, as well as acquisition, merger, and internal corporate restructuring. The company was formerly known as Rich Capital & Financial Services Ltd and changed its name to Rich Universe Network Limited in May 2011. Rich Universe Network Limited was incorporated in 1990 and is based in Kanpur, India.

Stock analysis

RICH UNIVERSE NETWORK LTD. (RICHUNV) currently trades at ₹10.30, while our model-based Fair Value estimate is ₹8.90, 13.6% below the price, so the stock looks overvalued today.

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Valuation

How firm this estimate is: it rests on 8 models at a data quality of 96/100, which puts the evidence level at low.

Scenario range: ₹6.67 (bear) to ₹11.12 (bull), the price of ₹10.30 sits inside 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 67/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

RICH UNIVERSE NETWORK LTD. reported revenue of ₹0 in FY2026 versus ₹82.6M in FY2022. Reported net income was ₹5.0M in FY2026, compounding +75.9%/yr from FY2022.

Key figures

Market cap ₹74.7M (≈ $776K) · P/E ratio 10.5 · P/S ratio 9.97 · EPS (TTM) ₹0.9800 · Net margin 94.7% · Return on equity 6.8% · Return on assets (EBIT) −1.0% · Operating margin −27.6%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).

What moves the price

The share trades about 22% below its 52-week high and 86% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −15% fair-value upside, at −14%, RICHUNV screens cheaper than that median.

Fair Value models

Bear ₹6.67 Fair Value ₹8.90 Bull ₹11.12
Price ₹10.30 · Upside -13.6%
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 (₹0.5021 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. 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
P/B Multiple ₹6.67 ₹8.90 ₹11.12 55
NCAV (Graham) ₹5.23 ₹7.01 ₹10.47 54
All 2 models by family
Multiples
P/B Multiple ₹6.67 ₹8.90 ₹11.12 55
Asset-Based
NCAV (Graham) ₹5.23 ₹7.01 ₹10.47 54

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Quality Score breakdown

Overall quality 67/100

Of which business quality 65 · Market factors (momentum, volatility) 48

Profitability 17
Margins and returns on capital today
Quality Growth 70
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 47
Balance sheet, leverage, solvency risk
Investment 98
Disciplined investing over empire-building
Low Volatility 33
Calm price path (market factor)
Momentum 56
Price trend over the last 3–12 months (market factor)
52W Momentum 54
Distance to the 52-week high (market factor)
Net Issuance 82
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. 43/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−62.3%
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.
+65.2%
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.
+22.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+22.4%
Dividend (yield on the price)0.0%

RICHUNV screens overvalued: fair value 14% below the price. Compare with Morgan Stanley, a financial holding company, →

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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.Capital Markets · 449 stocks

Beats the industry median on 5/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 67 · Top 25%
Fair Value upside −13.6% · Below median
Profitability
Return on equity (TTM) 6.8% · Below median
Return on assets 1.6% · Above median
Net margin (TTM) 94.7% · Top 25%
Operating margin (TTM) −27.6% · Bottom 25%
Growth and dividend
Revenue growth −97.5% · Bottom 25%
Balance sheet
Debt / equity 0.22× · Above median

Valuation Multiplesvs Capital Markets median · lower = cheaper

P/E (TTM) 10.5× · Cheaper than median
P/B 0.98× · Cheaper than median
P/S (TTM) 9.97× · Priciest 25%
EV/EBITDA 18.1× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)15 · sector 35
FUTURE (revenue growth)0 · sector 77
PAST (return on equity)27 · sector 33
HEALTH (low debt)89 · sector 94
DIVIDEND (yield)0 · sector 44

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 Capital Markets stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Morgan Stanley, a financial holding company, MS $188.08 $314.07 +67%
The Goldman Sachs Group GS $900.36 $766.86 −15%
The Charles Schwab Corporation SCHW $97.74 $118.07 +21%
Interactive Brokers Group IBKR $89.24 $23.12 −74%
Robinhood Markets, Inc HOOD $116.22 $47.77 −59%
Macquarie Group MQG A$245.63 A$80.51 −67%
CITIC Securities Company 600030 ¥26.29 ¥18.35 −30%
Guotai Haitong Securities Co 601211 ¥17.21 ¥19.35 +12%
East Money Information Co 300059 ¥18.28 ¥4.94 −73%
Nomura Holdings NMR $9.91 $10.19 +3%

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RICH UNIVERSE NETWORK LTD. · Fair Value
₹8.90 −14%Fair Value
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Cite: Fair Value Calculator (2026). "RICH UNIVERSE NETWORK LTD. Fair Value". https://www.fairvalue-calculator.com/stock/RICHUNV

Frequently asked questions

Is RICH UNIVERSE NETWORK LTD. (RICHUNV) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of ₹8.90 versus a price of ₹10.30, about −14% upside (overvalued).
What is the fair value of RICHUNV?
Our model-based fair value for RICH UNIVERSE NETWORK LTD. is ₹8.90 (as of Oct 3, 2026), built from audited fundamentals. The current price: ₹10.30.
What is the quality score of RICHUNV?
RICH UNIVERSE NETWORK LTD. has a Quality Score of 67/100. 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 RICH UNIVERSE NETWORK LTD. (RICHUNV)?
Our model-based price target is the fair value of ₹8.90 (as of Oct 3, 2026) from 2 valuation models. Cautious scenario ₹6.67, optimistic scenario ₹11.12. It is a calculation from audited fundamentals, not an analyst target.
What is the RICH UNIVERSE NETWORK LTD. stock forecast for 2026?
Our models put fair value at ₹8.90, about −14% upside versus a price of ₹10.30 (overvalued). Cautious scenario ₹6.67, optimistic scenario ₹11.12. The calculation is refreshed regularly with new filings.
What is the revenue of RICH UNIVERSE NETWORK LTD. (RICHUNV)?
RICH UNIVERSE NETWORK LTD. reported trailing-twelve-month revenue of about ₹7.5M (latest available figure, as of Oct 3, 2026).
What is the intrinsic value of RICH UNIVERSE NETWORK LTD. (RICHUNV)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For RICH UNIVERSE NETWORK LTD. it is ₹8.90 per share (as of Oct 3, 2026), against a price of ₹10.30. It is the blended result of 2 valuation models (cash flow, earnings, asset, dividend).
Is RICH UNIVERSE NETWORK LTD. stock overvalued or undervalued in 2026?
As of Oct 3, 2026, RICHUNV trades above its calculated fair value: price ₹10.30, fair value ₹8.90, a gap of about −14% (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 RICHUNV?
No. The price is what the market pays today (₹10.30); the fair value is what the company's own numbers justify (₹8.90). For RICH UNIVERSE NETWORK LTD. the two are ₹1.40 per share apart. That gap is exactly why we show both numbers side by side.
How much is RICH UNIVERSE NETWORK LTD. worth?
The market values RICH UNIVERSE NETWORK LTD. at about ₹74.7M (market capitalisation, as of Oct 3, 2026). Per share that is ₹10.30; our models calculate a fair value of ₹8.90 per share.
What do the bullish and bearish scenarios say about RICHUNV?
Our models span a range for RICH UNIVERSE NETWORK LTD.: cautious scenario ₹6.67, base ₹8.90, optimistic ₹11.12 per share (as of Oct 3, 2026, price ₹10.30). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of RICHUNV?
RICH UNIVERSE NETWORK LTD. trades at a price-to-earnings ratio of 10.5 (as of Oct 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹8.90 is built from several models across several years. Other multiples: P/B 1.0, P/S 10.0, EV/EBITDA 18.1.
How solid is the balance sheet of RICH UNIVERSE NETWORK LTD. (RICHUNV)?
Balance-sheet figures for RICH UNIVERSE NETWORK LTD. (as of Oct 3, 2026): return on equity 6.8%, debt of 0.22 per unit of equity. They feed the Quality Score of 67/100, which measures business quality independently of the share price.
How far is RICHUNV from its 52-week high?
RICH UNIVERSE NETWORK LTD. trades at ₹10.30, about 22% below its 52-week high of ₹13.19 and 86% above the low of ₹5.55 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹8.90 is for.
Which stocks are comparable to RICH UNIVERSE NETWORK LTD.?
From the same area (Financial Services) we also value Morgan Stanley, a financial holding company,, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers Group, 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 RICH UNIVERSE NETWORK LTD. stock attractive at the current price?
The data as of Oct 3, 2026: price ₹10.30, calculated fair value ₹8.90 (−14%), Quality Score 67/100, from 2 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 RICHUNV calculated?
We run RICH UNIVERSE NETWORK LTD. through 2 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 ₹8.90, 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 14.9 % above its aggregate fair value. RICH UNIVERSE NETWORK 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 RICH UNIVERSE NETWORK LTD. (RICHUNV)?
The closing price on Oct 1, 2026 was ₹10.30. Our model-based fair value is ₹8.90, about −14% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with RICH UNIVERSE NETWORK LTD. right now?
Solid but not exceptional quality (67/100) and above fair value, neither a clear bargain nor a standout compounder. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. 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 RICH UNIVERSE NETWORK LTD.

How large is the market capitalisation of RICH UNIVERSE NETWORK LTD. (RICHUNV)?
The market capitalisation of RICH UNIVERSE NETWORK LTD. is ₹74.7M (≈ $776K). 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 RICH UNIVERSE NETWORK LTD. (RICHUNV)?
The price-to-sales ratio of RICH UNIVERSE NETWORK LTD. is 9.97 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of RICH UNIVERSE NETWORK LTD. (RICHUNV)?
Earnings per share at RICH UNIVERSE NETWORK LTD. are ₹0.9800 (price ÷ EPS = P/E 10.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of RICH UNIVERSE NETWORK LTD. (RICHUNV)?
The net margin of RICH UNIVERSE NETWORK LTD. is 94.7% (last twelve months). 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 RICH UNIVERSE NETWORK LTD. (RICHUNV)?
The return on equity (ROE) of RICH UNIVERSE NETWORK LTD. is 6.8% (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 RICH UNIVERSE NETWORK LTD. (RICHUNV)?
On an EBIT basis the return on assets of RICH UNIVERSE NETWORK LTD. is −1.0% (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 RICH UNIVERSE NETWORK LTD. (RICHUNV)?
The operating margin of RICH UNIVERSE NETWORK LTD. is −27.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at RICH UNIVERSE NETWORK LTD. (RICHUNV)?
Revenue at RICH UNIVERSE NETWORK LTD. is growing −97.5% versus a year earlier. How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does RICH UNIVERSE NETWORK LTD. (RICHUNV) generate?
The free cash flow of RICH UNIVERSE NETWORK LTD. is −₹1.3M (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 RICH UNIVERSE NETWORK LTD. (RICHUNV) carry?
The net debt of RICH UNIVERSE NETWORK LTD. is ₹16.2M (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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