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Thirdwave Financial Intermediaries Limited (THIRDFIN) Fair Value & Analysis

Consumer Defensive · IN · Market cap ₹3.8B

TF Thirdwave Financial Intermediaries Limited THIRDFIN · BSE
Price₹94.00
Fair Value₹92.82
Upside-1.3%
Quality49/100
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Evidence: High Range ₹67.15 – ₹118.45

Fair value as of: Jul 6, 2026

From 24 valuation models · updated today

Share price −6.0% over the past month.

Price vs Fair Value (12 months)

₹144.95 ₹74.75 Fair Value ₹92.82 Jun 2025 Jul 2026

12‑month range ₹74.75 – ₹144.95 · fair‑value band ₹67.15 – ₹118.45 · the ₹94.00 price screens above the ₹92.82 fair value. As of Jul 6, 2026.

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Analysis

Thirdwave Financial Intermediaries Limited (THIRDFIN) currently trades at ₹94.00, while our model-based Fair Value estimate is ₹92.82 — implying the stock looks roughly 1.3% overvalued today. We read business quality at 49/100 (below-average quality), in the Consumer Defensive 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: high).

Over the trailing twelve months, Thirdwave Financial Intermediaries Limited generated revenue of ₹727M at a net margin of 16.5%. It earns a return on equity of 8.0%. Net debt stands at ₹7.2M. The stock trades on a trailing P/E of 37.1. Fundamentals as of Jul 6, 2026

Our scenario range runs from ₹67.15 (bear case) to ₹118.45 (bull case); at ₹94.00, the current price sits within that range. The share trades about 42% below its 52-week high and 30% above its 52-week low, currently below its 200-day average. For context, the median of 10 Consumer Defensive peers we cover trades at -17% fair-value upside — at -1%, THIRDFIN screens cheaper than that median.

Key figures & financial health

Revenue (TTM) ₹727M
Revenue growth (YoY) +835,589%
Net margin 16.5%
Return on equity 8.0%
Free cash flow ₹251M FY2025
P/E ratio 37.1
More key figures
Operating margin 17.2%
EPS (TTM) ₹2.84
EPS growth (YoY) +341%
Net debt ₹7.2M FY2019

Figures from reported company fundamentals (EODHD) · as of Jul 6, 2026. TTM = trailing twelve months.

About the company

Thirdwave Financial Intermediaries Limited engages in the food and beverage processing industry and other allied services in India. It focuses on setting up food kiosks in football areas. The company was formerly known as Thirdwave Consultants (P) Ltd. and changed its name to Thirdwave Financial Intermediaries Limited in 1995. Thirdwave Financial Intermediaries Limited was incorporated in 1989 and is based in Mumbai, India.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Thirdwave Financial Intermediaries Limited reported revenue of ₹1.0B in FY2025 versus ₹9.7M in FY2021, a compound +220.1%/yr. Reported net income was ₹160M in FY2025.

Revenue +220.1%/yr
FY21 ₹9.7M
FY22 ₹17.9M
FY23 ₹13.7M
FY24 ₹12.3M
FY25 ₹1.0B
Net income
FY21 −₹779K
FY22 ₹554K
FY23 −₹865K
FY24 ₹404K
FY25 ₹160M

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Cite: Fair Value Calculator (2026). "Thirdwave Financial Intermediaries Limited Fair Value". https://www.fairvalue-calculator.com/stock/THIRDFIN

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Frequently asked questions

Is Thirdwave Financial Intermediaries Limited (THIRDFIN) undervalued?
As of Jul 6, 2026, our model estimates a fair value of ₹92.82 versus a price of ₹94.00 — about −1% (overvalued). Model-based estimate, not financial advice.
What is the fair value of THIRDFIN?
Our model-based fair value for Thirdwave Financial Intermediaries Limited is ₹92.82 (as of Jul 6, 2026), built from audited fundamentals. The current price is ₹94.00.
What is the quality score of THIRDFIN?
Thirdwave Financial Intermediaries Limited has a Quality Score of 49/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of Thirdwave Financial Intermediaries Limited (THIRDFIN)?
Thirdwave Financial Intermediaries Limited reported trailing-twelve-month revenue of about ₹727M (latest available figure, as of Jul 6, 2026).
What is the net profit margin of THIRDFIN?
The net profit margin of Thirdwave Financial Intermediaries Limited is about 16.5%, meaning it keeps roughly 16.5% 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.

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