SWASTIKA INVESTMART LTD. (SWASTIKA) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of SWASTIKA INVESTMART LTD. ₹68.07, price ₹146, upside -53.4%, quality 20 out of 100. 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 ₹24.40 – ₹219.28 · fair‑value band ₹45.34 – ₹91.79 · the ₹146.00 price screens above the ₹68.07 fair value. Dashed = 300-day average. As of Oct 3, 2026.
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Swastika Investmart Limited engages in the stock broking, depository participant, merchant banking, and other third-party products distribution activities in India.
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Swastika Investmart Limited engages in the stock broking, depository participant, merchant banking, and other third-party products distribution activities in India. The company offers stock, futures, options, currency, and commodity trading services, as well as debts and bonds; stock research services; personal loans, loans against shares and properties, business loans, gold loans, and margin funding services; learning courses; and mutual funds. It also provides insurance products, such as motor, health, and life insurance, as well as insurance brokerage services; and investment banking services, including initial public offer listing, valuation, loan syndication, consultancy, equity funding, merchant banking, and other services. The company was incorporated in 1992 and is based in Indore, India.
Stock analysis
SWASTIKA INVESTMART LTD. (SWASTIKA) currently trades at ₹146.00, while our model-based Fair Value estimate is ₹68.07, 53.4% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of ₹156.76 per share, and 2 of the 9 models we run sit above the ₹146.00 price.
Bear case: the Dividend Discount group reads lowest at ₹8.78, and 7 of the 9 models stay below the price. Evidence for this calculation is medium.
Scenario range: ₹45.34 (bear) to ₹91.79 (bull), the price of ₹146.00 sits above 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 20/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
SWASTIKA INVESTMART LTD. reported revenue of ₹860M in FY2025 versus ₹827M in FY2021, a compound +1.0%/yr. Reported net income was ₹134M in FY2025, compounding +7.3%/yr from FY2021.
Key figures
Market cap ₹2.9B (≈ $30.5M) · P/E ratio 21.8 · P/S ratio 3.39 · EPS (TTM) ₹6.69 · Dividend yield 0.4% · Net margin 15.5% · Return on equity 10.5% · Return on assets (EBIT) 5.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 35 out of 100 (low confidence).
What moves the price
The share trades about 22% below its 52-week high and 199% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −15% fair-value upside, at −53%, SWASTIKA screens richer than that median.
Fair Value models
Bear ₹45.34Fair Value ₹68.07Bull ₹91.79
Price ₹146.00 · Upside -53.4%
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. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (₹4.64 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.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.
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.30/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−38.8%
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.
−0.9%
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.
+2.4%
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.
+9.7%
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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.
−27.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year−27.9%
Dividend (yield on the price)0.4%
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.−27.9% vs −11.6%, slowing
Profit margin 2020 to 2025 ⓘ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.22% → 4%
Start year 2020 (pandemic)
⚠ Revenue per share shrinking 7.7%/yr over ~7Y (margins intact) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Compare SWASTIKA INVESTMART 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 · 458 stocks
Beats the industry median on 4/13 measures
Overall it trails its industry peers.
Valuation
Quality Score20 · Bottom 25%
Fair Value upside−53.4% · Bottom 25%
Profitability
Return on equity (TTM)10.5% · Above median
Return on assets3.1% · Above median
Net margin (TTM)13.2% · Below median
Operating margin (TTM)21.0% · Below median
Growth and dividend
Revenue growth0.4% · Below median
Dividend yield (TTM)0.4% · Bottom 25%
Balance sheet
Debt / equity0.11× · Below median
Valuation Multiplesvs Capital Markets median · lower = cheaper
P/E (TTM)21.8× · Pricier than median
P/B2.16× · Pricier than median
P/S (TTM)2.87× · Cheaper than median
EV/EBITDA10.8× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 34
FUTURE (revenue growth)2· sector 74
PAST (return on equity)42· sector 32
HEALTH (low debt)95· sector 95
DIVIDEND (yield)8· sector 44
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is SWASTIKA INVESTMART LTD. (SWASTIKA) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of ₹68.07 versus a price of ₹146.00, about −53% upside (overvalued).
What is the fair value of SWASTIKA?
Our model-based fair value for SWASTIKA INVESTMART LTD. is ₹68.07 (as of Oct 3, 2026), built from audited fundamentals. The current price: ₹146.00.
What is the quality score of SWASTIKA?
SWASTIKA INVESTMART LTD. has a Quality Score of 20/100. 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 SWASTIKA INVESTMART LTD. (SWASTIKA)?
Our model-based price target is the fair value of ₹68.07 (as of Oct 3, 2026) from 9 valuation models. Cautious scenario ₹45.34, optimistic scenario ₹91.79. It is a calculation from audited fundamentals, not an analyst target.
What is the SWASTIKA INVESTMART LTD. stock forecast for 2026?
Our models put fair value at ₹68.07, about −53% upside versus a price of ₹146.00 (overvalued). Cautious scenario ₹45.34, optimistic scenario ₹91.79. The calculation is refreshed regularly with new filings.
What is the revenue of SWASTIKA INVESTMART LTD. (SWASTIKA)?
SWASTIKA INVESTMART LTD. reported trailing-twelve-month revenue of about ₹1.0B (latest available figure, as of Oct 3, 2026).
Does SWASTIKA INVESTMART LTD. pay a dividend?
SWASTIKA INVESTMART LTD. currently shows a dividend yield of about 0.41% relative to its recent price (as of Oct 3, 2026).
What is the intrinsic value of SWASTIKA INVESTMART LTD. (SWASTIKA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For SWASTIKA INVESTMART LTD. it is ₹68.07 per share (as of Oct 3, 2026), against a price of ₹146.00. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is SWASTIKA INVESTMART LTD. stock overvalued or undervalued in 2026?
As of Oct 3, 2026, SWASTIKA trades above its calculated fair value: price ₹146.00, fair value ₹68.07, a gap of about −53% (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 SWASTIKA?
No. The price is what the market pays today (₹146.00); the fair value is what the company's own numbers justify (₹68.07). For SWASTIKA INVESTMART LTD. the two are ₹77.93 per share apart. That gap is exactly why we show both numbers side by side.
How much is SWASTIKA INVESTMART LTD. worth?
The market values SWASTIKA INVESTMART LTD. at about ₹2.9B (market capitalisation, as of Oct 3, 2026). Per share that is ₹146.00; our models calculate a fair value of ₹68.07 per share.
What do the bullish and bearish scenarios say about SWASTIKA?
Our models span a range for SWASTIKA INVESTMART LTD.: cautious scenario ₹45.34, base ₹68.07, optimistic ₹91.79 per share (as of Oct 3, 2026, price ₹146.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SWASTIKA?
SWASTIKA INVESTMART LTD. trades at a price-to-earnings ratio of 21.8 (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 ₹68.07 is built from several models across several years. Other multiples: P/B 2.2, P/S 2.9, EV/EBITDA 10.8.
How solid is the balance sheet of SWASTIKA INVESTMART LTD. (SWASTIKA)?
Balance-sheet figures for SWASTIKA INVESTMART LTD. (as of Oct 3, 2026): return on equity 10.5%, debt of 0.11 per unit of equity. They feed the Quality Score of 20/100, which measures business quality independently of the share price.
How far is SWASTIKA from its 52-week high?
SWASTIKA INVESTMART LTD. trades at ₹146.00, about 22% below its 52-week high of ₹187.50 and 199% above the low of ₹48.91 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹68.07 is for.
Which stocks are comparable to SWASTIKA INVESTMART 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 SWASTIKA INVESTMART LTD. stock attractive at the current price?
The data as of Oct 3, 2026: price ₹146.00, calculated fair value ₹68.07 (−53%), Quality Score 20/100, 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 SWASTIKA calculated?
We run SWASTIKA INVESTMART 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 ₹68.07, 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 15.0 % above its aggregate fair value. SWASTIKA INVESTMART 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 SWASTIKA INVESTMART LTD. (SWASTIKA)?
The closing price on Oct 1, 2026 was ₹146.00. Our model-based fair value is ₹68.07, about −53% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with SWASTIKA INVESTMART LTD. right now?
The price sits above even our optimistic bull case (₹91.79). The favourable scenario is already priced in. Weak quality (20/100) and above fair value at the same time, the margin of safety is missing on both counts. A fairly wide model range (₹45.34 to ₹91.79) leaves room in how you read the outcome. 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 SWASTIKA INVESTMART LTD.
How large is the market capitalisation of SWASTIKA INVESTMART LTD. (SWASTIKA)?
The market capitalisation of SWASTIKA INVESTMART LTD. is ₹2.9B (≈ $30.5M). 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 SWASTIKA INVESTMART LTD. (SWASTIKA)?
The price-to-sales ratio of SWASTIKA INVESTMART LTD. is 3.39 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of SWASTIKA INVESTMART LTD. (SWASTIKA)?
Earnings per share at SWASTIKA INVESTMART LTD. are ₹6.69 (price ÷ EPS = P/E 21.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of SWASTIKA INVESTMART LTD. (SWASTIKA)?
The dividend yield of SWASTIKA INVESTMART LTD. is 0.4% (payout 9.0%). 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 SWASTIKA INVESTMART LTD. (SWASTIKA)?
The net margin of SWASTIKA INVESTMART LTD. is 15.5% (fiscal year 2025). 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 SWASTIKA INVESTMART LTD. (SWASTIKA)?
The return on equity (ROE) of SWASTIKA INVESTMART LTD. is 10.5% (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 SWASTIKA INVESTMART LTD. (SWASTIKA)?
On an EBIT basis the return on assets of SWASTIKA INVESTMART LTD. is 5.7% (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 SWASTIKA INVESTMART LTD. (SWASTIKA)?
The operating margin of SWASTIKA INVESTMART LTD. is 21.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at SWASTIKA INVESTMART LTD. (SWASTIKA)?
Revenue at SWASTIKA INVESTMART LTD. is growing +0.4% versus a year earlier (3y avg −0.9%). 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 SWASTIKA INVESTMART LTD. (SWASTIKA)?
Earnings per share at SWASTIKA INVESTMART LTD. are growing +2.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does SWASTIKA INVESTMART LTD. (SWASTIKA) generate?
The free cash flow of SWASTIKA INVESTMART LTD. is −₹148M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does SWASTIKA INVESTMART LTD. (SWASTIKA) carry?
The net debt of SWASTIKA INVESTMART LTD. is ₹40.7M (fiscal year 2025). 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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