STEL Holdings (STEL) Fair Value & Analysis
Financial Services · IN · Market cap ₹11.3B
Strengths
Risks
Fair value as of: Aug 24, 2026
From 2 valuation models · updated today
Share price +12.3% over the past month.
A solid business, screening 21% undervalued on our models.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- Solid quality (50/100) 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 24, 2026.
How to read this chart
60‑month range ₹77.00 – ₹620.90 · fair‑value band ₹555.96 – ₹926.60 · the ₹612.45 price screens below the ₹741.28 fair value. Dashed = 300-day average. As of Aug 24, 2026.
Analysis
STEL Holdings (STEL) currently trades at ₹612.45, while our model-based Fair Value estimate is ₹741.28, implying the stock looks roughly 21.0% undervalued today. The Quality Score stands at 50/100 (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, STEL Holdings generated revenue of ₹268M at a net margin of 72.2%. Revenue declined 86.2% year over year. It earns a return on equity of 1.2%. The stock trades on a trailing P/E of 58.5. Fundamentals as of Aug 24, 2026
Our scenario range runs from ₹555.96 (bear case) to ₹926.60 (bull case); at ₹612.45, the current price sits within 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 13% below its 52-week high and 79% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -28% fair-value upside, at 21%, STEL 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 2 models by family
Widest divergence: Multiples (₹741.28) versus Asset-Based (₹584.30). Highest evidence: P/B Multiple (55).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 24, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 51 · Market factors (momentum, volatility) 70
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.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
STEL Holdings Limited engages in the investment in securities of group companies in India. The company was formerly known as Sentinel Tea and Exports Limited and changed its name to STEL Holdings Limited in July 2011. STEL Holdings Limited was incorporated in 1990 and is based in Cochin, India.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
STEL Holdings reported revenue of ₹274M in FY2026 versus ₹201M in FY2022, a compound +8.1%/yr. Reported net income was ₹199M in FY2026, compounding +8.0%/yr from FY2022.
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Peer Group
Asset Management · 720 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 Asset Management 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.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Asset Management stocks, each showing price versus our Fair Value estimate (as of Aug 24, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Blackstone Inc BX | $146.41 | $52.88 | -64% |
| Investor AB INVEB | kr 417.90 | kr 835.80 | +100% |
| Brookfield Corporation BN | C$58.60 | C$7.74 | -87% |
| KKR & Co KKR | $110.90 | $19.97 | -82% |
| Apollo Global Management, Inc APO | $138.61 | $101.04 | -27% |
| State Street Corporation STT | $191.74 | $138.33 | -28% |
| Ameriprise Financial, Inc AMP | $561.63 | $515.24 | -8% |
| Ares Management Corporation ARES | $143.10 | $30.88 | -78% |
| Northern Trust Corporation NTRS | $191.33 | $122.02 | -36% |
| Raymond James Financial, Inc RJF | $181.18 | $142.42 | -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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