SUMEDHA FISCAL SERVICES LTD. (SUMEDHA) fair value: what the stock is really worth
As of Oct 16, 2026: fair value (intrinsic value) of SUMEDHA FISCAL SERVICES LTD. stock ₹39.42, price ₹44.00, upside -10.4%, quality 50 out of 100. Rating: overvalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 2026.
How to read this chart
60‑month range ₹21.35 – ₹177.41 · fair‑value band ₹29.56 – ₹49.27 · the ₹44.00 price screens above the ₹39.42 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Oct 3, 2026.
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Sumedha Fiscal Services Limited provides investment banking services in India.
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The company's investment banking services, including merchant banking, debt syndication, financial restructuring, stressed assets resolution, mergers and takeovers, equity placements, techno-economic viability study, lenders independent engineers report, employee stock option plans advisory, and corporate consulting services, as well as public issues of equities and debt.
It also provides capital market services, such as corporate advisory, private placements, takeover, delisting and buyback, initial public offer, and valuation; and wealth management services, which includes distribution of mutual funds, as well as a digital platform for mutual fund transactions.
In addition, the company offers management consultancy and advisory services; and various fee-based services consisting of fund mobilization through issuance of debt, quasi equity, structured hybrid instruments, etc. It serves public and private corporates.
The company was incorporated in 1989 and is based in Kolkata, India.
Stock analysis
SUMEDHA FISCAL SERVICES LTD. (SUMEDHA) currently trades at ₹44.00, while our model-based Fair Value estimate is ₹39.42, 10.4% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of ₹77.51 per share, and 4 of the 9 models we run sit above the ₹44.00 price.
Bear case: the Dividend Discount group reads lowest at ₹11.22, and 5 of the 9 models stay below the price. Data coverage for this calculation is low.
Scenario range: ₹29.56 (bear) to ₹49.27 (bull), the price of ₹44.00 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 50/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
SUMEDHA FISCAL SERVICES LTD. reported revenue of ₹1.1B in FY2025 versus ₹556M in FY2021, a compound +18.5%/yr. Reported net income was ₹24.2M in FY2025, compounding −5.7%/yr from FY2021.
Key figures
Market cap ₹351M (≈ $3.7M) Micro · P/E ratio 12.5 · P/S ratio 0.31 · EPS (TTM) ₹3.52 · Dividend yield 2.3% · Net margin 2.5% · Return on equity 3.7% · Return on assets (EBIT) 4.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 39 out of 100 (low confidence).
What moves the price
The share trades about 19% below its 52-week high and 38% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −13% fair-value upside, at −10%, SUMEDHA screens cheaper than that median.
Fair Value models
Bear₹29.56Fair Value ₹39.42Bull₹49.27
Price ₹44.00 · Upside -10.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (₹2.02 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.Coverage ⓘCoverage = 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.58/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+11.6%
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.
+22.6%
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.
+49.7%
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.
+24.1%
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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.
−13.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year−16.2%
Dividend (yield on the price)2.3%
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.−16.2% vs −3.9%, slowing
Profit margin 2018 to 2024 ⓘ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.28% → 1%
Compare SUMEDHA FISCAL SERVICES 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 industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Capital Markets · 457 stocks
Beats the industry median on 5/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score50 · Below median
Fair Value upside−10.4% · Below median
Profitability
Return on equity (12 months)3.7% · Below median
Return on assets3.5% · Above median
Net margin (12 months)2.5% · Bottom 25%
Operating margin (12 months)18.9% · Below median
Growth and dividend
Revenue growth (quarter YoY)13.3% · Below median
Dividend yield (12 months)2.3% · Above median
Valuation Multiplesvs Capital Markets median · lower = cheaper
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Is SUMEDHA FISCAL SERVICES LTD. (SUMEDHA) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of ₹39.42 versus a price of ₹44.00, about −10% upside (overvalued).
What is the fair value of SUMEDHA?
Our model-based fair value for SUMEDHA FISCAL SERVICES LTD. is ₹39.42 (as of Oct 3, 2026), built from audited fundamentals. The current price: ₹44.00.
What is the quality score of SUMEDHA?
SUMEDHA FISCAL SERVICES LTD. has a Quality Score of 50/100. 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 SUMEDHA FISCAL SERVICES LTD. (SUMEDHA)?
Our model-based price target is the fair value of ₹39.42 (as of Oct 3, 2026) from 9 valuation models. Cautious scenario ₹29.56, optimistic scenario ₹49.27. It is a calculation from audited fundamentals, not an analyst target.
What is the SUMEDHA FISCAL SERVICES LTD. stock forecast for 2026?
Our models put fair value at ₹39.42, about −10% upside versus a price of ₹44.00 (overvalued). Cautious scenario ₹29.56, optimistic scenario ₹49.27. The calculation is refreshed regularly with new filings.
What is the revenue of SUMEDHA FISCAL SERVICES LTD. (SUMEDHA)?
SUMEDHA FISCAL SERVICES LTD. reported trailing-twelve-month revenue of about ₹1.1B (latest available figure, as of Oct 3, 2026).
Does SUMEDHA FISCAL SERVICES LTD. pay a dividend?
SUMEDHA FISCAL SERVICES LTD. currently shows a dividend yield of 2.27% relative to its recent price (as of Oct 3, 2026).
What is the intrinsic value of SUMEDHA FISCAL SERVICES LTD. (SUMEDHA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For SUMEDHA FISCAL SERVICES LTD. it is ₹39.42 per share (as of Oct 3, 2026), against a price of ₹44.00. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is SUMEDHA FISCAL SERVICES LTD. stock overvalued or undervalued in 2026?
As of Oct 3, 2026, SUMEDHA trades above its calculated fair value: price ₹44.00, fair value ₹39.42, a gap of about −10% (overvalued). 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 SUMEDHA?
No. The price is what the market pays today (₹44.00); the fair value is what the company's own numbers justify (₹39.42). For SUMEDHA FISCAL SERVICES LTD. the two are ₹4.58 per share apart. That gap is exactly why we show both numbers side by side.
How much is SUMEDHA FISCAL SERVICES LTD. worth?
The market values SUMEDHA FISCAL SERVICES LTD. at about ₹351M (market capitalisation, as of Oct 3, 2026). Per share that is ₹44.00; our models calculate a fair value of ₹39.42 per share.
What do the bullish and bearish scenarios say about SUMEDHA?
Our models span a range for SUMEDHA FISCAL SERVICES LTD.: cautious scenario ₹29.56, base ₹39.42, optimistic ₹49.27 per share (as of Oct 3, 2026, price ₹44.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SUMEDHA?
SUMEDHA FISCAL SERVICES LTD. trades at a price-to-earnings ratio of 12.5 (as of Oct 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹39.42 is built from several models across several years. Other multiples: P/B 0.5, P/S 0.3, EV/EBITDA 40.9.
How solid is the balance sheet of SUMEDHA FISCAL SERVICES LTD. (SUMEDHA)?
Balance-sheet figures for SUMEDHA FISCAL SERVICES LTD. (as of Oct 3, 2026): return on equity 3.7%. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is SUMEDHA from its 52-week high?
SUMEDHA FISCAL SERVICES LTD. trades at ₹44.00, about 19% below its 52-week high of ₹53.99 and 38% above the low of ₹31.85 (as of Oct 16, 2026). Distance from the high says nothing about value: that is what the fair value of ₹39.42 is for.
Which stocks are comparable to SUMEDHA FISCAL SERVICES LTD.?
From the same area (Financial Services) we also value Morgan Stanley, a financial holding company,, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers Group, 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 SUMEDHA FISCAL SERVICES LTD. stock attractive at the current price?
The data as of Oct 3, 2026: price ₹44.00, calculated fair value ₹39.42 (−10%), Quality Score 50/100, from 9 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 SUMEDHA calculated?
We run SUMEDHA FISCAL SERVICES LTD. through 9 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 ₹39.42, 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 13.8 % above its aggregate fair value. SUMEDHA FISCAL SERVICES LTD. itself currently trades above fair value. 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 SUMEDHA FISCAL SERVICES LTD. (SUMEDHA)?
The closing price on Oct 16, 2026 was ₹44.00. Our model-based fair value is ₹39.42, about −10% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with SUMEDHA FISCAL SERVICES 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 SUMEDHA FISCAL SERVICES LTD.
How large is the market capitalisation of SUMEDHA FISCAL SERVICES LTD. (SUMEDHA)?
The market capitalisation of SUMEDHA FISCAL SERVICES LTD. is ₹351M (≈ $3.7M). 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 SUMEDHA FISCAL SERVICES LTD. (SUMEDHA)?
The price-to-sales ratio of SUMEDHA FISCAL SERVICES LTD. is 0.31 (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 SUMEDHA FISCAL SERVICES LTD. (SUMEDHA)?
Earnings per share at SUMEDHA FISCAL SERVICES LTD. are ₹3.52 (price ÷ EPS = P/E 12.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of SUMEDHA FISCAL SERVICES LTD. (SUMEDHA)?
The dividend yield of SUMEDHA FISCAL SERVICES LTD. is 2.3% (payout 28.4%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of SUMEDHA FISCAL SERVICES LTD. (SUMEDHA)?
The net margin of SUMEDHA FISCAL SERVICES LTD. is 2.5% (last twelve months). 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 SUMEDHA FISCAL SERVICES LTD. (SUMEDHA)?
The return on equity (ROE) of SUMEDHA FISCAL SERVICES LTD. is 3.7% (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 SUMEDHA FISCAL SERVICES LTD. (SUMEDHA)?
On an EBIT basis the return on assets of SUMEDHA FISCAL SERVICES LTD. is 4.3% (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 SUMEDHA FISCAL SERVICES LTD. (SUMEDHA)?
The operating margin of SUMEDHA FISCAL SERVICES LTD. is 18.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at SUMEDHA FISCAL SERVICES LTD. (SUMEDHA)?
Revenue at SUMEDHA FISCAL SERVICES LTD. is growing +13.3% versus a year earlier (3y avg +22.6%). 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 SUMEDHA FISCAL SERVICES LTD. (SUMEDHA)?
Earnings per share at SUMEDHA FISCAL SERVICES LTD. are growing +13.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does SUMEDHA FISCAL SERVICES LTD. (SUMEDHA) generate?
The free cash flow of SUMEDHA FISCAL SERVICES LTD. is −₹39.4M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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Oct 3, 2026