VISAGAR FINANCIAL SERVICES LTD. (VISAGAR) Fair Value & Analysis

Financial Services · IN · Market cap ₹199M

Below-average quality, screening 75% undervalued on our models.

What matters now

• The large discount to fair value meets weak quality (35/100). That raises the risk this is a value trap rather than a bargain.
• The model range is unusually wide (₹0.3162 to ₹0.9010). The outcome hinges heavily on assumptions, so read the point estimate with caution.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.

How to read this chart

60‑month range ₹0.1176 – ₹3.51 · fair‑value band ₹0.3162 – ₹0.9010 · the ₹0.3100 price screens below the ₹0.5440 fair value. Dashed = 300-day average. As of Aug 13, 2026.

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Analysis

VISAGAR FINANCIAL SERVICES LTD. (VISAGAR) currently trades at ₹0.3100, while our model-based Fair Value estimate is ₹0.5440, implying the stock looks roughly 75.5% undervalued today. The Quality Score stands at 35/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium), always confirm before acting.

Over the trailing twelve months, VISAGAR FINANCIAL SERVICES LTD. generated revenue of ₹99.3M at a net margin of -3.6%. Revenue declined 76.3% year over year. It earns a return on equity of -0.6%. Net debt stands at ₹307M. Fundamentals as of Aug 13, 2026

Our scenario range runs from ₹0.3162 (bear case) to ₹0.9010 (bull case); at ₹0.3100, the current price sits below 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 47% below its 52-week high and 24% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -19% fair-value upside, at 75%, VISAGAR screens cheaper 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.

Widest divergence: Growth DCF (₹3.34) versus Asset-Based (₹0.6900). Highest evidence: Growth DCF (80).

Key figures & financial health

Quality Score breakdown

About the company

Visagar Financial Services Limited operates as a non-banking financial company in India. It offers financial advisory services, including bill discounting and factoring, machinery and equipment funding, debt funding and debt swapping, new project or expansion funding, working capital funding, and loans against property/shares.

Full company description

Visagar Financial Services Limited operates as a non-banking financial company in India. It offers financial advisory services, including bill discounting and factoring, machinery and equipment funding, debt funding and debt swapping, new project or expansion funding, working capital funding, and loans against property/shares. The company also provides corporate advisory services, such as NPA restructuring, mergers and acquisitions, private equity funding, joint ventures and business collaboration advisory, funding foreign currency loans, IPO advisory, and venture capital funding services; and other advisory services comprising subsidies for the textiles and food processing sector, investment proposals for considerations, promoter portfolio management services, real estate advisory, and other advisory services. In addition, it offers loans; and invests in securities of listed and unlisted companies, etc. The company was formerly known as Inca Finlease Limited and changed its name to Visagar Financial services Limited in February 2011. Visagar Financial Services Limited was incorporated in 1994 and is based in Mumbai, India.

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

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

VISAGAR FINANCIAL SERVICES LTD. reported revenue of ₹99.3M in FY2026 versus ₹35.6M in FY2022, a compound +29.2%/yr. Reported net income was −₹3.6M in FY2026.

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Peer Group

Capital Markets · 434 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.

Valuation Multiples vs Capital Markets median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

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

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Frequently asked questions

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.