SITA ENTERPRISES LTD. (SITAENT) Fair Value & Analysis
Financial Services · IN · Market cap ₹445M
Strengths
Risks
Fair value as of: Aug 21, 2026
From 6 valuation models · updated today
A solid business, screening 39% undervalued on our models.
What matters now
- The price is below even our cautious bear case (₹146.95). The market is more pessimistic than our downside scenario.
- Solid quality (64/100) at a price below fair value, the discount is the argument here, not the business quality.
- 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 (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 21, 2026.
How to read this chart
60‑month range ₹8.32 – ₹210.30 · fair‑value band ₹146.95 – ₹244.91 · the ₹141.00 price screens below the ₹195.93 fair value. Dashed = 300-day average. As of Aug 21, 2026.
Analysis
SITA ENTERPRISES LTD. (SITAENT) currently trades at ₹141.00, while our model-based Fair Value estimate is ₹195.93, implying the stock looks roughly 39.0% undervalued today. The Quality Score stands at 64/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium), always confirm before acting.
Over the trailing twelve months, SITA ENTERPRISES LTD. generated revenue of ₹61.2M at a net margin of 85.7%. It earns a return on equity of 22.4%. The stock trades on a trailing P/E of 9.4. Fundamentals as of Aug 21, 2026
Our scenario range runs from ₹146.95 (bear case) to ₹244.91 (bull case); at ₹141.00, the current price sits below 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 about 36% below its 52-week high and 16% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -45% fair-value upside, at 39%, SITAENT 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 6 models by family
Widest divergence: Earnings-Based (₹527.50) versus Asset-Based (₹44.68). Highest evidence: P/E Multiple (63).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 21, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 59 · Market factors (momentum, volatility) 28
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
Sita Enterprises Limited, a non-banking finance company, engages in investment and finance activities in India. The company invests funds in shares, securities, and properties, as well as mutual funds. It is also involved in financing activities through loans and trade receivables.
Full company description
Sita Enterprises Limited, a non-banking finance company, engages in investment and finance activities in India. The company invests funds in shares, securities, and properties, as well as mutual funds. It is also involved in financing activities through loans and trade receivables. Sita Enterprises Limited was incorporated in 1982 and is headquartered in Mumbai, India.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
SITA ENTERPRISES LTD. reported revenue of ₹7.8M in FY2026 versus ₹10.0M in FY2022, a compound −5.8%/yr. Reported net income was ₹45.2M in FY2026, compounding +65.8%/yr from FY2022.
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Peer Group
Credit Services · 336 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.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 21, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $359.42 | $198.27 | -45% |
| Mastercard Incorporated MA | $573.72 | $221.87 | -61% |
| Bajaj Finance Limited BAJFINANCE | ₹1,093 | ₹397.70 | -64% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,117 | ₹553.83 | -50% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,866 | ₹796.47 | -57% |
| Tata Capital Limited TATACAP | ₹367.05 | ₹149.40 | -59% |
| Power Finance Corporation PFC | ₹376.50 | ₹615.85 | +64% |
| Muthoot Finance Limited MUTHOOTFIN | ₹2,876 | ₹3,429 | +19% |
| Indian Railway Finance Corporation IRFC | ₹88.35 | ₹69.72 | -21% |
| REC Limited RECLTD | ₹346.00 | ₹692.00 | +100% |
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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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