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UPL Limited (UPL) Fair Value & Analysis

Basic Materials · IN · Market cap ₹481B

UL UPL Limited UPL · BSE
Price₹569.60
Fair Value₹387.06
Upside-32.1%
Quality55/100
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Strengths

Low debt · generates free cash flow

Risks

!Trades 47% ABOVE our fair value of ₹387.06
!Mixed Growth (revenue 5y +5.8 %/yr)
!Thin margins · 3.8% net margin
!Narrow moat 35/100
Mixed Growth (revenue 5y +5.8 %/yr)
Thin margins · 3.8% net margin
Low debt · generates free cash flow
Narrow moat 35/100
Evidence: Medium Range ₹290.29 – ₹483.82 Share as image

Fair value as of: Aug 24, 2026

From 24 valuation models · updated today

Share price −6.4% over the past month.

A solid business, but screening 32% overvalued on our models.

What runs behind every stock

69 individual criteria per stock, every one traceable See the method →

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What matters now

  • The price sits above even our optimistic bull case (₹483.82). The favourable scenario is already priced in.
  • Solid but not exceptional quality (55/100) and above fair value, neither a clear bargain nor a standout compounder.
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Price vs Fair Value (5 years)

₹797.73 ₹424.92 Fair Value ₹387.06 Apr 2021 Aug 2026

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 ₹424.92 – ₹797.73 · fair‑value band ₹290.29 – ₹483.82 · the ₹569.60 price screens above the ₹387.06 fair value. Dashed = 300-day average. As of Aug 24, 2026.

Full chart & analysis →

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Analysis

UPL Limited (UPL) currently trades at ₹569.60, while our model-based Fair Value estimate is ₹387.06, implying the stock looks roughly 32.1% overvalued today. The Quality Score stands at 55/100 (solid quality), in the Basic Materials 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, UPL Limited generated revenue of ₹528B at a net margin of 3.8%. Revenue grew 10.5% year over year. It earns a return on equity of 5.6%. Net debt stands at ₹161B. Fundamentals as of Aug 24, 2026

Our scenario range runs from ₹290.29 (bear case) to ₹483.82 (bull case); at ₹569.60, the current price sits above 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 29% below its 52-week high and 2% above its 52-week low, currently below its 200-day average. For context, the median of 10 Basic Materials peers we cover trades at 4% fair-value upside, at -32%, UPL screens richer 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.

Model 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. Evidence
Highest evidence
Growth DCF ₹741.05 ₹1,386 ₹2,525 80
Residual Income ₹325.01 ₹334.28 ₹336.64 76
Rev-Margin DCF ₹584.46 ₹1,060 ₹1,658 74
All 24 models by family
DCF Models
FCF DCF ₹739.35 ₹1,414 ₹2,607 38
Owner Earnings ₹318.61 ₹660.54 ₹1,265 31
5Y Revenue Exit ₹584.46 ₹1,067 ₹1,710 39
5Y EBITDA Exit ₹732.72 ₹1,366 ₹2,146 41
5Y P/E Exit ₹336.89 ₹568.16 ₹818.54 38
10Y Revenue Exit ₹606.83 ₹1,085 ₹1,790 36
10Y EBITDA Exit ₹728.67 ₹1,306 ₹2,155 37
10Y P/E Exit ₹462.72 ₹715.26 ₹1,043 35
Earnings-Based
Graham-Dodd ₹154.82 ₹661.18 ₹903.11 54
Lynch FV ₹168.94 ₹241.34 ₹313.74 50
PEG = 1.0 ₹168.94 ₹241.34 ₹313.74 46
EPV ₹640.99 ₹774.09 ₹892.40 59
Multiples
P/E Multiple ₹290.29 ₹387.06 ₹483.82 63
P/S Multiple ₹290.29 ₹387.06 ₹483.82 58
P/B Multiple ₹290.29 ₹387.06 ₹483.82 55
EV/EBIT ₹770.24 ₹1,065 ₹1,359 53
EV/EBITDA ₹806.03 ₹1,112 ₹1,419 54
EV/Revenue ₹524.87 ₹798.35 ₹1,072 43
Asset-Based
NCAV (Graham) ₹205.50 ₹275.38 ₹411.01 50
Growth DCF
Growth DCF ₹741.05 ₹1,386 ₹2,525 80
Rev-Margin DCF ₹584.46 ₹1,060 ₹1,658 74
Economic Profit
Residual Income ₹325.01 ₹334.28 ₹336.64 76
ROIC Compounder ₹725.71 ₹1,043 ₹1,484 72
Growth Earnings
Growth-Adj P/E ₹252.99 ₹361.41 ₹469.83 68

Widest divergence: DCF Models (₹1,067) versus Earnings-Based (₹241.34). Highest evidence: Growth DCF (80).

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Key figures & financial health

P/E ratio 23.3
P/S ratio 0.91 TTM
Net margin 3.8% TTM
Return on equity 5.6% TTM
Return on assets 4.3% TTM
Operating margin 6.6% TTM
More key figures
Profitability
EPS (TTM) ₹24.38
Growth
Revenue (TTM) ₹528B TTM
Revenue growth (YoY) +10.5% 3y avg -1.4%
EPS growth (YoY) +24.4%
Balance sheet & cash flow
Free cash flow ₹54.5B FY2026
Net debt ₹161B FY2026 · ≈ 2.9 yrs of FCF

Figures from reported company fundamentals · as of Aug 24, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 55/100

Of which business quality 54 · Market factors (momentum, volatility) 36

Profitability 33
Margins and returns on capital today
Quality Growth 59
Are margins and returns improving?
Cashflow 67
Earnings quality: real cash, not paper profit
Fin. Strength 37
Balance sheet, leverage, solvency risk
Investment 82
Disciplined investing over empire-building
Low Volatility 79
Calm price path (market factor)
Momentum 23
Price trend over the last 3–12 months (market factor)
52W Momentum 10
Distance to the 52-week high (market factor)
Net Issuance 61
Buybacks instead of dilution

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

UPL Limited, together with its subsidiaries, engages in the provision of sustainable agriculture products and solutions in India, Europe, North America, Latin America, and internationally. It operates through three segments: Crop Protection, Seeds Business, and Non-Agro.

Full company description

UPL Limited, together with its subsidiaries, engages in the provision of sustainable agriculture products and solutions in India, Europe, North America, Latin America, and internationally. It operates through three segments: Crop Protection, Seeds Business, and Non-Agro. The Crop Protection segment provides herbicides, fungicides, insecticides, acaricides, seed treatment products, adjuvants, bio-solutions, public health products, fumigants, and post-harvest solutions, as well as ProNutiva, a solution for crop protection. The segment also operates nurture.farm, a Nurture AgTech platform, that provides booking options for farmers in accessing mechanized spraying, harvesting, farm advisory, and soil testing services digitally via a mobile application; and nurture.farm retail, a platform that serves as an agricultural input e-commerce marketplace. The Seeds Business segment offers various hybrid seeds of grain, forage sorghum, corn, canola, sunflower, and vegetables under Advanta, Alta, Pacific Seeds, and Empyr brands. The Non-Agro segment provides phosphorus derivatives, sulphur derivatives, bitterant, phosgene derivatives, chlorination, cyanation chemistry, phosphodiesterase inhibiting bronchodilator, and CNS stimulant products for pharma, agchem, paints, flame retardants, mining, chemical intermediate markets. It also offers Decco FullCover, an electrostatic application system that allows minimal fruit coating volumes; DeccoNaturCover, a formula, which features natural extracts to prevent fruit dehydration and preserve its natural appearance; DeccoArcAqua, a technology, that enables ozone release in water-based solutions; and Zeba, a solution n for soil and water management. The company was formerly known as United Phosphorus Limited and changed its name to UPL Limited in October 2013. UPL Limited was founded in 1969 and is headquartered in Mumbai, India.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

UPL Limited reported revenue of ₹513B in FY2026 versus ₹462B in FY2022, a compound +2.6%/yr. Reported net income was ₹19.2B in FY2026, compounding −14.7%/yr from FY2022.

Growth Quality 71/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2026)
₹513B
Latest YoY
+10.0%
Avg. growth/yr (3Y) 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.
−1.4%
Avg. growth/yr (5Y) 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.
+5.8%
Avg. growth/yr (10Y) 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.
+13.6%
Value creation/yr (5Y) Earnings growth per share (CAGR 5 years) plus dividend yield: value created per share and year.
−9.5% (-9.5 + 0.0)
Revenue +2.6%/yr
FY22 ₹462B
FY23 ₹536B
FY24 ₹431B
FY25 ₹466B
FY26 ₹513B
Net income −14.7%/yr
FY22 ₹36.3B
FY23 ₹35.7B
FY24 −₹12.0B
FY25 ₹9.0B
FY26 ₹19.2B

UPL screens 32% overvalued. Compare with Corteva, Inc →

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Cite: Fair Value Calculator (2026). "UPL Limited Fair Value". https://www.fairvalue-calculator.com/stock/UPL.BSE

Peer Group

Agricultural Inputs · 175 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.

Quality Score 54 · Above median
Fair Value upside −32% · Below median
Return on equity (TTM) 6% · Below median
Return on assets 4% · Above median
Net margin (TTM) 4% · Below median
Operating margin (TTM) 7% · Above median
Revenue growth 11% · Above median
Dividend yield (TTM) 1.0% · Below median
Debt / equity 0.45× · Higher than 75% of peers

Valuation Multiples vs Agricultural Inputs median · lower = cheaper

P/E (TTM) 23.3× · Pricier than median
P/B 1.39× · Pricier than median
P/S (TTM) 0.91× · Pricier than median
P/FCF 0.1× · Cheaper than 75% of peers
EV/EBITDA 7.2× · Pricier than median
PEG 0.65× · Cheaper than 75% of peers

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Agricultural Inputs stocks, each showing price versus our Fair Value estimate (as of Aug 24, 2026).

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SABIC Agri-Nutrients Company 2020 122.90 SAR 127.31 SAR +4%
Yara International ASA YAR kr 437.20 kr 630.39 +44%
Yunnan Yuntianhua Co 600096 ¥29.82 ¥42.12 +41%
The Mosaic Company MOS $22.60 $28.68 +27%
Asia-potash International Investment (Guangzhou)Co.,Ltd., 000893 ¥45.86 ¥38.01 -17%
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Frequently asked questions

Is UPL Limited (UPL) overvalued or undervalued?
As of Aug 24, 2026, our model estimates a fair value of ₹387.06 versus a price of ₹569.60, about −32% (overvalued).
What is the fair value of UPL?
Our model-based fair value for UPL Limited is ₹387.06 (as of Aug 24, 2026), built from audited fundamentals. The current price: ₹569.60.
What is the quality score of UPL?
UPL Limited has a Quality Score of 55/100. 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 revenue of UPL Limited (UPL)?
UPL Limited reported trailing-twelve-month revenue of about ₹528B (latest available figure, as of Aug 24, 2026).
What is the net profit margin of UPL?
The net profit margin of UPL Limited is about 3.8%, meaning it keeps roughly 3.8% 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.

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