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SecUR Credentials Limited (SECURCRED) fair value: what the stock is really worth

We calculate from audited financials what SecUR Credentials Limited is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
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Industrials · IN · ISIN INE195Y01010

SC Thin data Sep 13, 2026

SecUR Credentials Limited

SECURCRED · BSE

Cheap, value-trap riskThe stock looks deeply undervalued, but low quality raises value-trap risk.

✓Fair value ₹4.53 · Strongly undervalued (+178%)
!Quality 49/100
!Weak Growth (revenue 3y −12.9 %/yr)
!Loss-making · -8.7% net margin (FY2024)
✓Low debt · generates free cash flow
!Narrow moat 12/100
!Evidence only low, so the estimate is less certain

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

₹34.85 ₹1.63 Fair Value ₹4.53 Oct 2022 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 13, 2026.

How to read this chart

46‑month range ₹1.63 – ₹34.85 · fair‑value band ₹2.84 – ₹6.31 · the ₹1.63 price screens below the ₹4.53 fair value. Dashed = 300-day average. As of Sep 13, 2026.

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Company profile

SecUR Credentials Limited, a background verification company, provides background screening and due diligence services in India. It offers EduCred platform that enables educational institutions to service requests for record verification; and managed services.

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SecUR Credentials Limited, a background verification company, provides background screening and due diligence services in India. It offers EduCred platform that enables educational institutions to service requests for record verification; and managed services. The company also provides loan verification services; and IT services, such as software development support, product development, and process automation services. In addition, it offers services in the areas of education, employment, criminal and court history, identity and address verification, database and media searches, reference and credit checks, drug tests, and psychometric test checks. SecUR Credentials Limited was incorporated in 2001 and is based in Pune, India.

Stock analysis

SecUR Credentials Limited (SECURCRED) currently trades at ₹1.63, while our model-based Fair Value estimate is ₹4.53, implying the stock looks roughly 64.0% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of ₹8.40 per share, and 7 of the 7 models we run sit above the ₹1.63 price.

Bear case: the DCF Models group reads lowest at ₹6.19, and 0 of the 7 models stay below the price. Evidence for this calculation is low.

Scenario range: ₹2.84 (bear) to ₹6.31 (bull), the price of ₹1.63 sits below 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 49/100 (below-average quality), in the Industrials sector.

Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.

SecUR Credentials Limited reported revenue of ₹281M in FY2024 versus ₹547M in FY2020, a compound −15.3%/yr. Reported net income was −₹24.6M in FY2024.

Key figures

Market cap ₹66.9M (≈ $703K) · P/S ratio 12.1 · EPS (TTM) ₹−4.42 · Net margin −8.7% · Return on equity −20.8% · Return on assets (EBIT) 3.4% · Operating margin −113% · Revenue growth (YoY) −85.5%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).

What moves the price

The share trades near its 52-week high, currently above its 200-day average.

For context, the median of 10 Industrials peers we cover trades at −10% fair-value upside, at 178%, SECURCRED screens cheaper than that median.

Fair Value models

Bear ₹2.84 Fair Value ₹4.53 Bull ₹6.31
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. 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
FCF DCF ₹4.10 ₹6.19 ₹9.55 76
Growth DCF ₹4.31 ₹6.27 ₹9.18 75
Rev-Margin DCF ₹4.05 ₹7.56 ₹11.89 68
All 7 models by family
DCF Models
FCF DCF ₹4.10 ₹6.19 ₹9.55 76
5Y Revenue Exit ₹4.05 ₹7.33 ₹12.09 67
10Y Revenue Exit ₹3.87 ₹6.02 ₹8.30 64
Multiples
EV/Revenue ₹4.70 ₹8.40 ₹12.10 52
Asset-Based
NCAV (Graham) ₹5.19 ₹6.96 ₹10.39 54
Growth DCF
Growth DCF ₹4.31 ₹6.27 ₹9.18 75
Rev-Margin DCF ₹4.05 ₹7.56 ₹11.89 68

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Quality Score breakdown

Overall quality 49/100

Of which business quality 51 · Market factors (momentum, volatility) 56

Profitability 18
Margins and returns on capital today
Quality Growth 13
Are margins and returns improving?
Cashflow 77
Earnings quality: real cash, not paper profit
Fin. Strength 40
Balance sheet, leverage, solvency risk
Investment 90
Disciplined investing over empire-building
Low Volatility 100
Calm price path (market factor)
Momentum 40
Price trend over the last 3–12 months (market factor)
52W Momentum 33
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. 15/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−43.8%
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.
−12.9%
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.
9.1% (2020) → −36.5% (2024)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2024 is a loss year, no rate is defined from a loss
not computed

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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.Specialty Business Services · 247 stocks

Beats the industry median on 2/8 measures
Overall it trails its industry peers.
Valuation
Quality Score 47 · Below median
Profitability
Return on assets −6% · Bottom 25%
Net margin (TTM) 0% · Below median
Operating margin (TTM) −113% · Bottom 25%
Growth and dividend
Revenue growth −86% · Bottom 25%
Balance sheet
Debt / equity 0.40× · Above median

Valuation Multiplesvs Specialty Business Services median · lower = cheaper

P/S (TTM) 0.13× · Cheapest 25%
P/FCF 0.0× · Cheapest 25%

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 Specialty Business Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Cintas Corporation CTAS $201.50 $172.92 −14%
RELX PLC RELX $33.80 $32.33 −4%
Thomson Reuters Corporation TRI C$134.93 C$97.63 −28%
Copart, Inc CPRT $29.95 $32.95 +10%
Global Payments Inc GPN $88.29 $69.00 −22%
RB Global, Inc RBA C$115.91 C$127.50 +10%
Brambles Limited BXB A$18.65 A$16.80 −10%
UL Solutions Inc ULS $71.25 $33.62 −53%
Wolters Kluwer N.V WKL €66.24 €101.27 +53%
Aramark ARMK $58.55 $13.18 −77%

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₹4.53 +64%Fair Value
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Cite: Fair Value Calculator (2026). "SecUR Credentials Limited Fair Value". https://www.fairvalue-calculator.com/stock/SECURCRED

Frequently asked questions

Is SecUR Credentials Limited (SECURCRED) overvalued or undervalued?
As of Sep 13, 2026, our model estimates a fair value of ₹4.53 versus the last price from Aug 20, 2026 of ₹1.63, about +178% upside (undervalued).
What is the fair value of SECURCRED?
Our model-based fair value for SecUR Credentials Limited is ₹4.53 (as of Sep 13, 2026), built from audited fundamentals. Last price (from Aug 20, 2026): ₹1.63.
What is the quality score of SECURCRED?
SecUR Credentials Limited has a Quality Score of 49/100. 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 SecUR Credentials Limited (SECURCRED)?
Our model-based price target is the fair value of ₹4.53 (as of Sep 13, 2026) from 7 valuation models. Cautious scenario ₹2.84, optimistic scenario ₹6.31. It is a calculation from audited fundamentals, not an analyst target.
What is the SecUR Credentials Limited stock forecast for 2026?
Our models put fair value at ₹4.53, about +178% upside versus the last price from Aug 20, 2026 of ₹1.63 (undervalued). Cautious scenario ₹2.84, optimistic scenario ₹6.31. The calculation is refreshed regularly with new filings.
What is the intrinsic value of SecUR Credentials Limited (SECURCRED)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For SecUR Credentials Limited it is ₹4.53 per share (as of Sep 13, 2026), against a price of ₹1.63. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is SecUR Credentials Limited stock overvalued or undervalued in 2026?
As of Sep 13, 2026, SECURCRED trades below its calculated fair value: price ₹1.63, fair value ₹4.53, a gap of about +178% (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 SECURCRED?
No. The price is what the market pays today (₹1.63); the fair value is what the company's own numbers justify (₹4.53). For SecUR Credentials Limited the two are ₹2.90 per share apart. That gap is exactly why we show both numbers side by side.
How much is SecUR Credentials Limited worth?
The market values SecUR Credentials Limited at about ₹66.9M (market capitalisation, as of Sep 13, 2026). Per share that is ₹1.63; our models calculate a fair value of ₹4.53 per share.
What do the bullish and bearish scenarios say about SECURCRED?
Our models span a range for SecUR Credentials Limited: cautious scenario ₹2.84, base ₹4.53, optimistic ₹6.31 per share (as of Sep 13, 2026, price ₹1.63). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of SecUR Credentials Limited (SECURCRED)?
Balance-sheet figures for SecUR Credentials Limited (as of Sep 13, 2026): return on equity −20.8%, debt of 0.40 per unit of equity. They feed the Quality Score of 49/100, which measures business quality independently of the share price.
How far is SECURCRED from its 52-week high?
SecUR Credentials Limited trades at ₹1.63, about 0% below its 52-week high of ₹1.63 (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of ₹4.53 is for.
Which stocks are comparable to SecUR Credentials Limited?
From the same area (Industrials) we also value Cintas Corporation, RELX PLC, Thomson Reuters Corporation, Copart, Inc, 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 SecUR Credentials Limited stock attractive at the current price?
The data as of Sep 13, 2026: price ₹1.63, calculated fair value ₹4.53 (+178%), Quality Score 49/100, 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 SECURCRED calculated?
We run SecUR Credentials Limited 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 ₹4.53, 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 15.8 % above its aggregate fair value. SecUR Credentials Limited currently trades 178 % 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 should I pay attention to with SecUR Credentials Limited right now?
The price is below even our cautious bear case (₹2.84). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (49/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (₹2.84 to ₹6.31) leaves room in how you read the outcome.

Key figures of SecUR Credentials Limited

How large is the market capitalisation of SecUR Credentials Limited (SECURCRED)?
The market capitalisation of SecUR Credentials Limited is ₹66.9M (≈ $703K). 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 SecUR Credentials Limited (SECURCRED)?
The price-to-sales ratio of SecUR Credentials Limited is 12.1 (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 SecUR Credentials Limited (SECURCRED)?
Earnings per share at SecUR Credentials Limited are ₹−4.42. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of SecUR Credentials Limited (SECURCRED)?
The net margin of SecUR Credentials Limited is −8.7% (fiscal year 2024). 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 SecUR Credentials Limited (SECURCRED)?
The return on equity (ROE) of SecUR Credentials Limited is −20.8% (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 SecUR Credentials Limited (SECURCRED)?
On an EBIT basis the return on assets of SecUR Credentials Limited is 3.4% (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 SecUR Credentials Limited (SECURCRED)?
The operating margin of SecUR Credentials Limited is −113% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at SecUR Credentials Limited (SECURCRED)?
Revenue at SecUR Credentials Limited is growing −85.5% versus a year earlier (3y avg −12.9%). 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 SecUR Credentials Limited (SECURCRED)?
Earnings per share at SecUR Credentials Limited are growing −88.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does SecUR Credentials Limited (SECURCRED) generate?
The free cash flow of SecUR Credentials Limited is ₹45.7M (fiscal year 2024). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does SecUR Credentials Limited (SECURCRED) carry?
The net debt of SecUR Credentials Limited is ₹183M (fiscal year 2024, ≈ 4.0 yrs of FCF). 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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