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STEL Holdings (STEL) Fair Value & Analysis

Financial Services · IN · Market cap ₹10.6B

SH STEL Holdings STEL · NSE
Price₹567.60
Fair Value₹182.88
Upside-67.8%
Quality59/100
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Evidence: Medium Range ₹137.16 – ₹228.60

Fair value as of: Jul 3, 2026

From 14 valuation models · updated today

Share price +15.7% over the past month.

Price vs Fair Value (12 months)

₹621.40 ₹389.30 Fair Value ₹182.88 Jul 2025 Jul 2026

12‑month range ₹389.30 – ₹621.40 · fair‑value band ₹137.16 – ₹228.60 · the ₹567.60 price screens above the ₹182.88 fair value. As of Jul 3, 2026.

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Analysis

STEL Holdings (STEL) currently trades at ₹567.60, while our model-based Fair Value estimate is ₹182.88 — implying the stock looks roughly 67.8% overvalued today. We read business quality at 59/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: medium).

Over the trailing twelve months, STEL Holdings generated revenue of ₹274M at a net margin of 72.4%. It earns a return on equity of 1.2%. The balance sheet holds a net cash position of ₹23.8M. The stock trades on a trailing P/E of 53.3. Fundamentals as of Jul 3, 2026

Key figures & financial health

Revenue (TTM) ₹274M
Revenue growth (YoY) -98.8%
Net margin 72.4%
Return on equity 1.2%
Free cash flow −₹60.1M FY2026
P/E ratio 53.3
More key figures
Operating margin 16.4%
EPS (TTM) ₹10.75
EPS growth (YoY) -94.8%
Net cash ₹23.8M FY2026

Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.

About the company

STEL Holdings Limited, a core investment company, 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.

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.

Revenue +8.1%/yr
FY22 ₹201M
FY23 ₹172M
FY24 ₹185M
FY25 ₹219M
FY26 ₹274M
Net income +8.0%/yr
FY22 ₹146M
FY23 ₹123M
FY24 ₹133M
FY25 ₹159M
FY26 ₹199M

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Frequently asked questions

Is STEL Holdings (STEL) undervalued?
As of Jul 3, 2026, our model estimates a fair value of ₹182.88 versus a price of ₹567.60 — about −68% (overvalued). Model-based estimate, not financial advice.
What is the fair value of STEL?
Our model-based fair value for STEL Holdings is ₹182.88 (as of Jul 3, 2026), built from audited fundamentals. The current price is ₹567.60.
What is the quality score of STEL?
STEL Holdings has a Quality Score of 59/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of STEL Holdings (STEL)?
STEL Holdings reported trailing-twelve-month revenue of about ₹274M (latest available figure, as of Jul 3, 2026).
What is the net profit margin of STEL?
The net profit margin of STEL Holdings is about 72.4%, meaning it keeps roughly 72.4% of revenue as net income. Based on the latest reported figures.

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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.