Saraswati Commercial (India) Limited (ZSARACOM) fair value: what the stock is really worth
We calculate from audited financials what Saraswati Commercial (India) Limited is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily, free.
- Compare price with fair valuebelow fair value = cheap, above = expensive
- Check the quality50 and up solid, 75 and up strong
- Watch it or check another stockalert when fair value or trend changes
At a glance
Below-average quality, and trading another 17% above our fair value of ₹9,975.
As of Sep 7, 2026, the fair value of Saraswati Commercial (India) Limited is ₹9,975 per share against a price of ₹11,700, so the fair value sits 15% below the price. A model estimate from reported figures, not an analyst target.
Fair value as of: Sep 7, 2026
From 7 valuation models · updated yesterday
Share price −1.7% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- Solid but not exceptional quality (45/100) and above fair value, neither a clear bargain nor a standout compounder.
- 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 Sep 7, 2026.
How to read this chart
60‑month range ₹1,768 – ₹26,468 · fair‑value band ₹7,746 – ₹13,688 · the ₹11,700 price screens above the ₹9,975 fair value. Dashed = 300-day average. As of Sep 7, 2026.
Analysis
Saraswati Commercial (India) Limited (ZSARACOM) currently trades at ₹11,700, while our model-based Fair Value estimate is ₹9,975, implying the stock looks roughly 17.3% overvalued today. The Quality Score stands at 45/100 (below-average quality), in the Financial Services sector. Bull case: the DCF Models group reads highest at a median of ₹30,107 per share, and 4 of the 7 models we run sit above the ₹11,700 price. Bear case: the Asset-Based group reads lowest at ₹6,734, and 3 of the 7 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Saraswati Commercial (India) Limited generated revenue of ₹1.7B at a net margin of 80.1%. Revenue grew 140.2% year over year. It earns a return on equity of 8.9%. Net debt stands at ₹198M. Fundamentals as of Sep 7, 2026
Scenario range: ₹7,746 (bear) to ₹13,688 (bull), the price of ₹11,700 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target. The share trades about 21% below its 52-week high and 35% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −15%, ZSARACOM screens cheaper than that median.
Fair Value models
Based on fiscal year 2026 figures (about 5 months old). Earnings retained since then (₹513.36 per share) are deliberately not added.
Each model values the company its own way; the fair value above is the evidence-weighted blend. Evidence (0 to 100) shows how complete a model's inputs are. How we calculate →
All 7 models by family
Widest divergence: DCF Models (₹30,107) versus Asset-Based (₹6,734). Highest evidence: Owner Earnings (68).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Sep 7, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 42 · Market factors (momentum, volatility) 51
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
Saraswati Commercial (India) Limited operates as a non-banking financial institution in India. It engages in lending activities, as well as invests and trades in shares and securities. The company was incorporated in 1983 and is based in Mumbai, India.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Saraswati Commercial (India) Limited reported revenue of ₹720M in FY2026 versus ₹684M in FY2022, a compound +1.3%/yr. Reported net income was ₹923M in FY2026, compounding +9.2%/yr from FY2022.
ZSARACOM screens 17% overvalued. Compare with Blackstone Inc →
Context: sector, industry, market
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: Indian Stocks
- Valuation of the India market
Strength profile in five axes (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.
Similar stocks
10 more Asset Management stocks, each showing price versus our Fair Value estimate (as of Sep 7, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Blackstone Inc BX | $142.39 | $52.88 | −63% |
| Investor AB INVEB | kr 408.05 | kr 827.56 | +103% |
| Brookfield Corporation BN | C$55.74 | C$10.67 | −81% |
| KKR & Co KKR | $107.73 | $19.97 | −81% |
| Apollo Global Management, Inc APO | $135.04 | $101.04 | −25% |
| State Street Corporation STT | $193.33 | $138.33 | −28% |
| Ameriprise Financial, Inc AMP | $560.56 | $515.24 | −8% |
| Ares Management Corporation ARES | $143.10 | $30.88 | −78% |
| Northern Trust Corporation NTRS | $186.79 | $122.02 | −35% |
| Raymond James Financial, Inc RJF | $181.10 | $142.42 | −21% |
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