SAINIK FINANCE & INDUSTRIES LTD. (SAINIK) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of SAINIK FINANCE & INDUSTRIES LTD. ₹43.01, price ₹38.79, upside +10.9%, quality 51 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, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range ₹17.25 – ₹60.16 · fair‑value band ₹34.71 – ₹53.76 · the ₹38.79 price screens below the ₹43.01 fair value. Dashed = 300-day average. As of Sep 27, 2026.
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SAINIK FINANCE & INDUSTRIES LTD. (SAINIK) currently trades at ₹38.79, while our model-based Fair Value estimate is ₹43.01, implying the stock looks roughly 9.8% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of ₹49.77 per share, and 3 of the 5 models we run sit above the ₹38.79 price.
Bear case: the Asset-Based group reads lowest at ₹29.73, and 2 of the 5 models stay below the price. Evidence for this calculation is low.
Scenario range: ₹34.71 (bear) to ₹53.76 (bull), the price of ₹38.79 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 51/100 (solid quality), in the Financials sector.
Weak Growth: Revenue growth is weak: less than 2 % a year.
SAINIK FINANCE & INDUSTRIES LTD. reported revenue of ₹169M in FY2025 versus ₹156M in FY2021, a compound +2.0%/yr. Reported net income was ₹41.7M in FY2025.
Key figures
Market cap ₹422M (≈ $4.4M) · P/E ratio 10.1 · P/S ratio 2.50 · EPS (TTM) ₹3.83 · Net margin 24.7% · Return on equity 9.0% · Return on assets (EBIT) 7.3% · Operating margin 74.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 22% below its 52-week high and 19% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financials peers we cover trades at 13% fair-value upside, at 11%, SAINIK screens richer than that median.
Fair Value models
Bear ₹34.71Fair Value ₹43.01Bull ₹53.76
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 2025 figures (about 9 months old). Earnings retained since then (₹2.90 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.
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.25/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
+1.3%
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.
−2.2%
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.
−4.1%
Start year 2020 (pandemic)
Revenue growth 9 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.
+6.0%
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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.
+0.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+0.5%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.0.5% vs 12.9%, slowing
Profit margin 2016 to 2025 ⓘ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.78% → 26%
Start year 2020 (pandemic)
⚠ Revenue per share shrinking 6.0%/yr over ~7Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Compare SAINIK FINANCE & INDUSTRIES LTD. with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Specialty Finance” was too small, so the broader sector is used.)Financials · 3220 stocks
Beats the sector median on 7/11 measures
Overall it ranks above its sector peers.
Valuation
Quality Score52 · Below median
Fair Value upside+10.9% · Above median
Profitability
Return on equity (TTM)9.0% · Below median
Return on assets2.7% · Above median
Net margin (TTM)63.9% · Top 25%
Operating margin (TTM)74.4% · Top 25%
Growth and dividend
Revenue growth32.5% · Top 25%
Balance sheet
Debt / equity1.76× · Highest 25%
Valuation Multiplesvs Financials median · lower = cheaper
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 SAINIK FINANCE & INDUSTRIES LTD. (SAINIK) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of ₹43.01 versus a price of ₹38.79, about +11% upside (undervalued).
What is the fair value of SAINIK?
Our model-based fair value for SAINIK FINANCE & INDUSTRIES LTD. is ₹43.01 (as of Sep 27, 2026), built from audited fundamentals. The current price: ₹38.79.
What is the quality score of SAINIK?
SAINIK FINANCE & INDUSTRIES LTD. has a Quality Score of 51/100. 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 SAINIK FINANCE & INDUSTRIES LTD. (SAINIK)?
Our model-based price target is the fair value of ₹43.01 (as of Sep 27, 2026) from 5 valuation models. Cautious scenario ₹34.71, optimistic scenario ₹53.76. It is a calculation from audited fundamentals, not an analyst target.
What is the SAINIK FINANCE & INDUSTRIES LTD. stock forecast for 2026?
Our models put fair value at ₹43.01, about +11% upside versus a price of ₹38.79 (undervalued). Cautious scenario ₹34.71, optimistic scenario ₹53.76. The calculation is refreshed regularly with new filings.
What is the revenue of SAINIK FINANCE & INDUSTRIES LTD. (SAINIK)?
SAINIK FINANCE & INDUSTRIES LTD. reported trailing-twelve-month revenue of about ₹64.8M (latest available figure, as of Sep 27, 2026).
What is the intrinsic value of SAINIK FINANCE & INDUSTRIES LTD. (SAINIK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For SAINIK FINANCE & INDUSTRIES LTD. it is ₹43.01 per share (as of Sep 27, 2026), against a price of ₹38.79. It is the blended result of 5 valuation models (cash flow, earnings, asset, dividend).
Is SAINIK FINANCE & INDUSTRIES LTD. stock overvalued or undervalued in 2026?
As of Sep 27, 2026, SAINIK trades below its calculated fair value: price ₹38.79, fair value ₹43.01, a gap of about +11% (undervalued). 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 SAINIK?
No. The price is what the market pays today (₹38.79); the fair value is what the company's own numbers justify (₹43.01). For SAINIK FINANCE & INDUSTRIES LTD. the two are ₹4.22 per share apart. That gap is exactly why we show both numbers side by side.
How much is SAINIK FINANCE & INDUSTRIES LTD. worth?
The market values SAINIK FINANCE & INDUSTRIES LTD. at about ₹422M (market capitalisation, as of Sep 27, 2026). Per share that is ₹38.79; our models calculate a fair value of ₹43.01 per share.
What do the bullish and bearish scenarios say about SAINIK?
Our models span a range for SAINIK FINANCE & INDUSTRIES LTD.: cautious scenario ₹34.71, base ₹43.01, optimistic ₹53.76 per share (as of Sep 27, 2026, price ₹38.79). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SAINIK?
SAINIK FINANCE & INDUSTRIES LTD. trades at a price-to-earnings ratio of 10.1 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹43.01 is built from several models across several years. Other multiples: P/B 0.9, P/S 6.5.
How solid is the balance sheet of SAINIK FINANCE & INDUSTRIES LTD. (SAINIK)?
Balance-sheet figures for SAINIK FINANCE & INDUSTRIES LTD. (as of Sep 27, 2026): return on equity 9.0%, debt of 1.76 per unit of equity. They feed the Quality Score of 51/100, which measures business quality independently of the share price.
How far is SAINIK from its 52-week high?
SAINIK FINANCE & INDUSTRIES LTD. trades at ₹38.79, about 22% below its 52-week high of ₹50.00 and 19% above the low of ₹32.51 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹43.01 is for.
Which stocks are comparable to SAINIK FINANCE & INDUSTRIES LTD.?
From the same area (Financials) we also value Federal Home Loan Mortgage Corporation, CGABL, BOCHGR, LTG, 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 SAINIK FINANCE & INDUSTRIES LTD. stock attractive at the current price?
The data as of Sep 27, 2026: price ₹38.79, calculated fair value ₹43.01 (+11%), Quality Score 51/100, from 5 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 SAINIK calculated?
We run SAINIK FINANCE & INDUSTRIES LTD. through 5 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 ₹43.01, 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 14.5 % above its aggregate fair value. SAINIK FINANCE & INDUSTRIES LTD. currently trades 10 % below its own fair value, and the market average says nothing about that. 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 SAINIK FINANCE & INDUSTRIES LTD. (SAINIK)?
The closing price on Oct 1, 2026 was ₹38.79. Our model-based fair value is ₹43.01, about +11% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with SAINIK FINANCE & INDUSTRIES LTD. right now?
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 SAINIK FINANCE & INDUSTRIES LTD.
How large is the market capitalisation of SAINIK FINANCE & INDUSTRIES LTD. (SAINIK)?
The market capitalisation of SAINIK FINANCE & INDUSTRIES LTD. is ₹422M (≈ $4.4M). 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 SAINIK FINANCE & INDUSTRIES LTD. (SAINIK)?
The price-to-sales ratio of SAINIK FINANCE & INDUSTRIES LTD. is 2.50 (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 SAINIK FINANCE & INDUSTRIES LTD. (SAINIK)?
Earnings per share at SAINIK FINANCE & INDUSTRIES LTD. are ₹3.83 (price ÷ EPS = P/E 10.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of SAINIK FINANCE & INDUSTRIES LTD. (SAINIK)?
The net margin of SAINIK FINANCE & INDUSTRIES LTD. is 24.7% (fiscal year 2025). 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 SAINIK FINANCE & INDUSTRIES LTD. (SAINIK)?
The return on equity (ROE) of SAINIK FINANCE & INDUSTRIES LTD. is 9.0% (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 SAINIK FINANCE & INDUSTRIES LTD. (SAINIK)?
On an EBIT basis the return on assets of SAINIK FINANCE & INDUSTRIES LTD. is 7.3% (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 SAINIK FINANCE & INDUSTRIES LTD. (SAINIK)?
The operating margin of SAINIK FINANCE & INDUSTRIES LTD. is 74.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at SAINIK FINANCE & INDUSTRIES LTD. (SAINIK)?
Revenue at SAINIK FINANCE & INDUSTRIES LTD. is growing +32.5% versus a year earlier (3y avg −2.2%). 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 SAINIK FINANCE & INDUSTRIES LTD. (SAINIK)?
Earnings per share at SAINIK FINANCE & INDUSTRIES LTD. are growing −2.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does SAINIK FINANCE & INDUSTRIES LTD. (SAINIK) generate?
The free cash flow of SAINIK FINANCE & INDUSTRIES LTD. is −₹253M (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 SAINIK FINANCE & INDUSTRIES LTD. (SAINIK) carry?
The net debt of SAINIK FINANCE & INDUSTRIES LTD. is ₹1.0B (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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