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Williamson Magor & Company Limited (WILLAMAGOR) Fair Value & Analysis

Financial Services · IN · Market cap ₹290M

WM Williamson Magor & Company Limited WILLAMAGOR · NSE
Price₹24.93
Fair Value₹52.50
Upside+110.6%
Quality54/100
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Mixed Growth
Loss-making · -81.7% net margin
Negative equity (buybacks among others) · generates free cash flow
Mixed vs. peers (4/9)
Narrow moat 13/100
Evidence: Medium Range ₹30.91 – ₹84.83 Share as image

Fair value as of: Aug 13, 2026

From 7 valuation models · updated 4 days ago

Fair value updated Aug 13, 2026, revised from ₹52.84 to ₹52.50 (−0.6%) since Aug 8, 2026. Share price −5.3% over the past month.

A solid business, screening 111% undervalued on our models.

What matters now

  • The price is below even our cautious bear case (₹30.91). The market is more pessimistic than our downside scenario.
  • The model range is unusually wide (₹30.91 to ₹84.83). The outcome hinges heavily on assumptions, so read the point estimate with caution.
  • Solid quality (54/100) at a price below fair value, the discount is the argument here, not the business quality.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
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Price vs Fair Value (5 years)

₹43.65 ₹11.90 Fair Value ₹52.50 Mar 2021 Aug 2026

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 ₹11.90 – ₹43.65 · fair‑value band ₹30.91 – ₹84.83 · the ₹24.93 price screens below the ₹52.50 fair value. Dashed = 300-day average. As of Aug 13, 2026.

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Analysis

Williamson Magor & Company Limited (WILLAMAGOR) currently trades at ₹24.93, while our model-based Fair Value estimate is ₹52.50, implying the stock looks roughly 110.6% undervalued today. The Quality Score stands at 54/100 (solid 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, Williamson Magor & Company Limited generated revenue of ₹15.4M at a net margin of -81.7%. Revenue declined 86.9% year over year. Net debt stands at ₹5.5B. Fundamentals as of Aug 13, 2026

Our scenario range runs from ₹30.91 (bear case) to ₹84.83 (bull case); at ₹24.93, 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 39% below its 52-week high and 18% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -45% fair-value upside, at 111%, WILLAMAGOR 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.

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
ROIC Compounder ₹583.21 ₹985.96 ₹1,449 72
EPV ₹383.56 ₹490.18 ₹576.71 59
EV/EBITDA ₹531.65 ₹877.17 ₹1,223 54
All 7 models by family
DCF Models
5Y Revenue Exit ₹64.63 39
5Y EBITDA Exit ₹168.95 ₹851.45 ₹2,195 41
10Y EBITDA Exit ₹733.85 ₹2,243 37
Earnings-Based
EPV ₹383.56 ₹490.18 ₹576.71 59
Multiples
EV/EBIT ₹738.95 ₹1,154 ₹1,568 53
EV/EBITDA ₹531.65 ₹877.17 ₹1,223 54
Economic Profit
ROIC Compounder ₹583.21 ₹985.96 ₹1,449 72

Widest divergence: Economic Profit (₹985.96) versus Earnings-Based (₹490.18). Highest evidence: ROIC Compounder (72).

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Key figures & financial health

Revenue (TTM) ₹15.4M
Revenue growth (YoY) -86.9%
Net margin -81.7%
Free cash flow ₹10.5M FY2026
Operating margin -486%
EPS (TTM) ₹-1.15
More key figures
EPS growth (YoY) +296%
Net debt ₹5.5B FY2026

Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 54/100

Of which business quality 44 · Market factors (momentum, volatility) 31

Profitability 30
Margins and returns on capital today
Quality Growth 100
Are margins and returns improving?
Cashflow 11
Earnings quality: real cash, not paper profit
Fin. Strength 0
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 63
Calm price path (market factor)
Momentum 22
Price trend over the last 3–12 months (market factor)
52W Momentum 11
Distance to the 52-week high (market factor)
Net Issuance 83
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.

About the company

Williamson Magor & Co. Limited operates as an investment company in India. The company is involved in lending activities. Williamson Magor & Co. Limited was founded in 1868 and is based in Kolkata, India.

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

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

Williamson Magor & Company Limited reported revenue of ₹1.5B in FY2026 versus ₹259M in FY2022, a compound +55.8%/yr. Reported net income was −₹12.6M in FY2026.

Growth Quality 42/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2026)
₹1.5B
Latest YoY
+5,310.7%
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.
+306.9%
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.
+54.6%
Avg. growth/yr (20Y) 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.
+11.1%
Revenue +55.8%/yr
FY22 ₹259M
FY23 ₹22.7M
FY24 ₹23.9M
FY25 ₹28.2M
FY26 ₹1.5B
Net income
FY22 −₹145M
FY23 ₹171M
FY24 −₹379M
FY25 −₹1.8B
FY26 −₹12.6M

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Cite: Fair Value Calculator (2026). "Williamson Magor & Company Limited Fair Value". https://www.fairvalue-calculator.com/stock/WILLAMAGOR

Peer Group

Credit Services · 334 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 50 · Below median
Fair Value upside +111% · Top 25%
Return on assets 0% · Bottom 25%
Net margin (TTM) -82% · Bottom 25%
Revenue growth -87% · Bottom 25%

Valuation Multiples vs Credit Services median · lower = cheaper

P/S (TTM) 0.20× · Cheaper than 75% of peers
P/FCF 0.3× · Cheaper than median

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.

VALUE 100 · sector 33
FUTURE 0 · sector 39
PAST 0 · sector 32
HEALTH 100 · sector 59
DIVIDEND 0 · sector 58

PAST 0: with negative equity (buybacks among others) return on equity is not meaningfully computable.

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).

Stock Price Fair Value vs Fair Value
Visa Inc V $359.42 $198.27 -45%
Mastercard Incorporated MA $561.44 $221.87 -60%
Bajaj Finance Limited BAJFINANCE ₹1,094 ₹397.61 -64%
Shriram Finance Limited SHRIRAMFIN ₹1,117 ₹553.83 -50%
Cholamandalam Investment and Finance Company CHOLAFIN ₹1,918 ₹796.52 -58%
Tata Capital Limited TATACAP ₹367.05 ₹149.40 -59%
Power Finance Corporation PFC ₹376.50 ₹615.85 +64%
Muthoot Finance Limited MUTHOOTFIN ₹2,876 ₹3,429 +19%
Indian Railway Finance Corporation IRFC ₹88.35 ₹69.72 -21%
REC Limited RECLTD ₹346.00 ₹692.00 +100%

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Frequently asked questions

Is Williamson Magor & Company Limited (WILLAMAGOR) overvalued or undervalued?
As of Aug 13, 2026, our model estimates a fair value of ₹52.50 versus a price of ₹24.93, about +111% (undervalued).
What is the fair value of WILLAMAGOR?
Our model-based fair value for Williamson Magor & Company Limited is ₹52.50 (as of Aug 13, 2026), built from audited fundamentals. The current price is ₹24.93.
What is the quality score of WILLAMAGOR?
Williamson Magor & Company Limited has a Quality Score of 54/100. 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 Williamson Magor & Company Limited (WILLAMAGOR)?
Williamson Magor & Company Limited reported trailing-twelve-month revenue of about ₹15.4M (latest available figure, as of Aug 13, 2026).
What is the net profit margin of WILLAMAGOR?
The net profit margin of Williamson Magor & Company Limited is about -81.7%, meaning it is currently running at a net loss. 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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