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Veefin Solutions Ltd (VEEFIN) fair value: what the stock is really worth

As of Oct 1, 2026: fair value of Veefin Solutions Ltd ₹212, price ₹247, upside -14.0%, quality 31 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Technology · IN · ISIN INE0Q0M01015

VS Some data Oct 4, 2026

Veefin Solutions Ltd

VEEFIN · BSE

Weak valuationQuality is weak on top of the rich price.

Low debt
Expensive Growth (revenue 3y +190.5 %/yr in INR)
Thin margins · 6.4% net margin (TTM)
Mixed vs. peers (6/11)
Some data
Fair value ₹212.36 · Overvalued (−14.0%)
Quality 31/100
Negative free cash flow
Narrow moat 40/100
⚠ Dilution
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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

Price vs Fair Value

₹734.45 ₹85.13 Fair Value ₹212.36 Jul 2023 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 4, 2026.

How to read this chart

39‑month range ₹85.13 – ₹734.45 · fair‑value band ₹159.27 – ₹265.46 · the ₹247.05 price screens above the ₹212.36 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 4, 2026.

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Company profile

Veefin Solutions Limited operates as a Software as a Service based digital lending and supply chain finance technology product solutions company.

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Veefin Solutions Limited operates as a Software as a Service based digital lending and supply chain finance technology product solutions company. The company's solutions include digital onboarding that automates and streamlines the lending process; loan origination systems that offers automated credit origination and decision system for loan processing; transaction management suite for immediate financing; and deep tier supplier finance solution. It offers end-to-end loan management software, consisting of mobility and collection applications, and collateral management solution. In addition, the company provides embedded finance product that integrates banking solutions into non-bank environments. It serves banks, non-banking financial institutions, fintech firms, B2B marketplaces, large corporations, and government sector worldwide. The company was incorporated in 2010 and is headquartered in Mumbai, India.

Stock analysis

Veefin Solutions Ltd (VEEFIN) currently trades at ₹247.05, while our model-based Fair Value estimate is ₹212.36, 14.0% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Growth Earnings group reads highest at a median of ₹450.96 per share, and 7 of the 14 models we run sit above the ₹247.05 price.

Bear case: the Economic Profit group reads lowest at ₹89.96, and 7 of the 14 models stay below the price. Evidence for this calculation is medium.

Scenario range: ₹159.27 (bear) to ₹265.46 (bull), the price of ₹247.05 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 31/100 (below-average quality), in the Technology sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Veefin Solutions Ltd reported revenue of ₹3.5B in FY2026 versus ₹65.5M in FY2022, a compound +169.4%/yr. Reported net income was ₹228M in FY2026, compounding +138.8%/yr from FY2022. FY2022 was a trough year, so the rate overstates the trend.

Key figures

Market cap ₹6.3B (≈ $65.3M) · P/E ratio 28.0 · P/S ratio 1.85 · EPS (TTM) ₹8.82 · Net margin 6.6% · Return on equity 5.4% · Return on assets (EBIT) 6.3% · Operating margin 14.5%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).

What moves the price

The share trades about 38% below its 52-week high and 11% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Technology peers we cover trades at −23% fair-value upside, at −14%, VEEFIN screens cheaper than that median.

Fair Value models

Bear ₹159.27 Fair Value ₹212.36 Bull ₹265.46
Price ₹247.05 · Upside -14.0%
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 2026 figures (about 6 months old). Earnings retained since then (₹4.54 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.
Highest evidence
EPV ₹79.19 ₹89.96 ₹98.70 70
EV/EBITDA ₹272.73 ₹367.16 ₹461.58 67
ROIC Compounder ₹79.19 ₹89.96 ₹98.70 67
All 14 models by family
Earnings-Based
Graham-Dodd ₹60.68 ₹423.14 ₹593.81 59
Lynch FV ₹218.61 ₹312.30 ₹405.99 57
PEG = 1.0 ₹218.61 ₹312.30 ₹405.99 53
EPV ₹79.19 ₹89.96 ₹98.70 70
Multiples
P/E Multiple ₹187.38 ₹249.84 ₹312.30 63
P/S Multiple ₹113.77 ₹151.69 ₹189.61 57
P/B Multiple ₹113.77 ₹151.69 ₹189.61 55
EV/EBIT ₹275.68 ₹371.08 ₹466.48 65
EV/EBITDA ₹272.73 ₹367.16 ₹461.58 67
EV/Revenue ₹134.16 ₹196.17 ₹258.19 52
Asset-Based
NCAV (Graham) ₹116.85 ₹156.58 ₹233.70 53
Economic Profit
Residual Income ₹155.48 ₹147.18 ₹146.92 66
ROIC Compounder ₹79.19 ₹89.96 ₹98.70 67
Growth Earnings
Growth-Adj P/E ₹315.67 ₹450.96 ₹586.25 63

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Quality Score breakdown

Overall quality 31/100

Of which business quality 36 · Market factors (momentum, volatility) 27

Profitability 27
Margins and returns on capital today
Quality Growth 49
Are margins and returns improving?
Cashflow 45
Earnings quality: real cash, not paper profit
Fin. Strength 66
Balance sheet, leverage, solvency risk
Investment 0
Disciplined investing over empire-building
Low Volatility 61
Calm price path (market factor)
Momentum 16
Price trend over the last 3–12 months (market factor)
52W Momentum 7
Distance to the 52-week high (market factor)
Net Issuance 8
Share count: buybacks or dilution?

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Revenue & earnings trend

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. 52/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+339.1%
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.
+190.5%
What shareholders gained per year (last 5 years), in INR (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. 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.
+75.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+75.0%
Dividend (yield on the price)0.0%
Profit margin 2022 to 2026 ⓘ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.13% → 17%
2026 sits 173% above its own trend. The rate follows the median trend of the last 5 years, not that single year.

VEEFIN screens overvalued: fair value 14% below the price. Compare with Microsoft Corporation →

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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.Software - Infrastructure · 350 stocks

Beats the industry median on 6/11 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 31 · Bottom 25%
Fair Value upside −14.0% · Below median
Profitability
Return on equity (TTM) 5.4% · Below median
Return on assets 6.5% · Top 25%
Net margin (TTM) 9.0% · Above median
Operating margin (TTM) 14.5% · Above median
Growth and dividend
Revenue growth 107.2% · Top 25%
Balance sheet
Debt / equity 0.09× · Above median

Valuation Multiplesvs Software - Infrastructure median · lower = cheaper

P/E (TTM) 28.0× · Pricier than median
P/B 1.05× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
P/S (TTM) 2.18× · Cheaper than median
EV/EBITDA 10.8× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)15 · sector 24
FUTURE (revenue growth)100 · sector 57
PAST (return on equity)22 · sector 23
HEALTH (low debt)96 · sector 98
DIVIDEND (yield)0 · sector 28

Context: sector, industry, market

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

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Block, Inc XYZ $74.04 $76.95 +4%
NetApp, Inc NTAP $204.41 $157.26 −23%
Okta, Inc OKTA $211.49 $142.12 −33%

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Veefin Solutions Ltd · Fair Value
₹212.36 −14%Fair Value
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Cite: Fair Value Calculator (2026). "Veefin Solutions Ltd Fair Value". https://www.fairvalue-calculator.com/stock/VEEFIN

Frequently asked questions

Is Veefin Solutions Ltd (VEEFIN) overvalued or undervalued?
As of Oct 4, 2026, our model estimates a fair value of ₹212.36 versus a price of ₹247.05, about −14% upside (overvalued).
What is the fair value of VEEFIN?
Our model-based fair value for Veefin Solutions Ltd is ₹212.36 (as of Oct 4, 2026), built from audited fundamentals. The current price: ₹247.05.
What is the quality score of VEEFIN?
Veefin Solutions Ltd has a Quality Score of 31/100. 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 Veefin Solutions Ltd (VEEFIN)?
Our model-based price target is the fair value of ₹212.36 (as of Oct 4, 2026) from 14 valuation models. Cautious scenario ₹159.27, optimistic scenario ₹265.46. It is a calculation from audited fundamentals, not an analyst target.
What is the Veefin Solutions Ltd stock forecast for 2026?
Our models put fair value at ₹212.36, about −14% upside versus a price of ₹247.05 (overvalued). Cautious scenario ₹159.27, optimistic scenario ₹265.46. The calculation is refreshed regularly with new filings.
What is the revenue of Veefin Solutions Ltd (VEEFIN)?
Veefin Solutions Ltd reported trailing-twelve-month revenue of about ₹4.0B (latest available figure, as of Oct 4, 2026).
What is the intrinsic value of Veefin Solutions Ltd (VEEFIN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Veefin Solutions Ltd it is ₹212.36 per share (as of Oct 4, 2026), against a price of ₹247.05. It is the blended result of 14 valuation models (cash flow, earnings, asset, dividend).
Is Veefin Solutions Ltd stock overvalued or undervalued in 2026?
As of Oct 4, 2026, VEEFIN trades above its calculated fair value: price ₹247.05, fair value ₹212.36, a gap of about −14% (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 VEEFIN?
No. The price is what the market pays today (₹247.05); the fair value is what the company's own numbers justify (₹212.36). For Veefin Solutions Ltd the two are ₹34.69 per share apart. That gap is exactly why we show both numbers side by side.
How much is Veefin Solutions Ltd worth?
The market values Veefin Solutions Ltd at about ₹6.3B (market capitalisation, as of Oct 4, 2026). Per share that is ₹247.05; our models calculate a fair value of ₹212.36 per share.
What do the bullish and bearish scenarios say about VEEFIN?
Our models span a range for Veefin Solutions Ltd: cautious scenario ₹159.27, base ₹212.36, optimistic ₹265.46 per share (as of Oct 4, 2026, price ₹247.05). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of VEEFIN?
Veefin Solutions Ltd trades at a price-to-earnings ratio of 28.0 (as of Oct 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹212.36 is built from several models across several years. Other multiples: P/B 1.1, P/S 2.2, EV/EBITDA 10.8.
How solid is the balance sheet of Veefin Solutions Ltd (VEEFIN)?
Balance-sheet figures for Veefin Solutions Ltd (as of Oct 4, 2026): return on equity 5.4%, debt of 0.09 per unit of equity. They feed the Quality Score of 31/100, which measures business quality independently of the share price.
How far is VEEFIN from its 52-week high?
Veefin Solutions Ltd trades at ₹247.05, about 38% below its 52-week high of ₹397.35 and 11% above the low of ₹223.00 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹212.36 is for.
Which stocks are comparable to Veefin Solutions Ltd?
From the same area (Technology) we also value Microsoft Corporation, Palantir Technologies Inc, Oracle Corporation, CrowdStrike Holdings, 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 Veefin Solutions Ltd stock attractive at the current price?
The data as of Oct 4, 2026: price ₹247.05, calculated fair value ₹212.36 (−14%), Quality Score 31/100, from 14 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 VEEFIN calculated?
We run Veefin Solutions Ltd through 14 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 ₹212.36, 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. Veefin Solutions 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 Veefin Solutions Ltd (VEEFIN)?
The closing price on Oct 1, 2026 was ₹247.05. Our model-based fair value is ₹212.36, about −14% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Veefin Solutions Ltd right now?
The price sits in the upper half of our model range, so the margin of safety is thin. Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.

Key figures of Veefin Solutions Ltd

How large is the market capitalisation of Veefin Solutions Ltd (VEEFIN)?
The market capitalisation of Veefin Solutions Ltd is ₹6.3B (≈ $65.3M). 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 Veefin Solutions Ltd (VEEFIN)?
The price-to-sales ratio of Veefin Solutions Ltd is 1.85 (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 Veefin Solutions Ltd (VEEFIN)?
Earnings per share at Veefin Solutions Ltd are ₹8.82 (price ÷ EPS = P/E 28.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Veefin Solutions Ltd (VEEFIN)?
The net margin of Veefin Solutions Ltd is 6.6% (fiscal year 2026). 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 Veefin Solutions Ltd (VEEFIN)?
The return on equity (ROE) of Veefin Solutions Ltd is 5.4% (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 Veefin Solutions Ltd (VEEFIN)?
On an EBIT basis the return on assets of Veefin Solutions Ltd is 6.3% (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 Veefin Solutions Ltd (VEEFIN)?
The operating margin of Veefin Solutions Ltd is 14.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Veefin Solutions Ltd (VEEFIN)?
Revenue at Veefin Solutions Ltd is growing +107% versus a year earlier (3y avg +191%). 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 Veefin Solutions Ltd (VEEFIN)?
Earnings per share at Veefin Solutions Ltd are growing +70.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Veefin Solutions Ltd (VEEFIN) generate?
The free cash flow of Veefin Solutions Ltd is −₹1.1B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Veefin Solutions Ltd (VEEFIN) carry?
The net debt of Veefin Solutions Ltd is ₹862M (fiscal year 2026). 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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