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Indian (NIFTY) Diversified Financial Industry Analysis

UpdatedDec 23, 2025
DataAggregated Company Financials
Companies175
  • 7D0.2%
  • 3M-4.2%
  • 1Y0.9%
  • YTD-0.07%

Over the last 7 days, the Diversified Financial industry has remained flat, although notably Indian Railway Finance gained 3.3%. Furthermore, the industry has been flat for the past year as well. As for the next few years, earnings are expected to grow by 21% per annum.

Industry Valuation and Performance

Has the Indian Diversified Financial Industry valuation changed over the past few years?

DateMarket CapRevenueEarningsPEAbsolute PEPS
Wed, 24 Dec 2025₹17.2t₹3.3t₹967.8b23.2x17.8x5.2x
Fri, 21 Nov 2025₹17.6t₹3.3t₹966.9b21.7x18.3x5.3x
Sun, 19 Oct 2025₹17.2t₹3.2t₹951.3b24.1x18.1x5.4x
Tue, 16 Sep 2025₹17.3t₹3.2t₹943.7b24.3x18.4x5.4x
Thu, 14 Aug 2025₹16.9t₹3.2t₹943.5b27.1x18x5.3x
Sat, 12 Jul 2025₹17.7t₹3.1t₹876.7b28x20.2x5.7x
Mon, 09 Jun 2025₹17.5t₹3.1t₹878.2b29.4x19.9x5.7x
Wed, 07 May 2025₹15.9t₹3.1t₹883.4b24.9x18x5.2x
Fri, 04 Apr 2025₹15.8t₹3.0t₹874.5b25.7x18.1x5.2x
Sun, 02 Mar 2025₹14.0t₹3.0t₹872.4b23.2x16.1x4.6x
Tue, 28 Jan 2025₹14.8t₹3.0t₹837.8b24.6x17.7x5x
Thu, 26 Dec 2024₹16.3t₹3.0t₹832.9b29.2x19.5x5.5x
Sat, 23 Nov 2024₹16.2t₹3.0t₹833.2b24.3x19.4x5.5x
Mon, 21 Oct 2024₹17.2t₹2.9t₹815.4b28.5x21.1x6x
Wed, 18 Sep 2024₹18.2t₹2.9t₹813.8b27.4x22.4x6.4x
Fri, 16 Aug 2024₹15.8t₹2.8t₹796.0b25.9x19.8x5.7x
Sun, 14 Jul 2024₹17.6t₹2.7t₹777.6b31x22.6x6.6x
Tue, 11 Jun 2024₹15.4t₹2.6t₹776.8b25.1x19.8x5.8x
Thu, 09 May 2024₹14.8t₹2.6t₹749.5b24.6x19.7x5.6x
Sat, 06 Apr 2024₹14.7t₹2.5t₹698.6b24.6x21.1x5.9x
Mon, 04 Mar 2024₹14.4t₹2.5t₹698.7b27x20.7x5.7x
Wed, 31 Jan 2024₹19.4t₹3.6t₹959.3b28x20.2x5.4x
Fri, 29 Dec 2023₹17.4t₹3.6t₹984.5b24.9x17.7x4.9x
Sun, 26 Nov 2023₹16.1t₹3.5t₹968.6b22.7x16.6x4.6x
Tue, 24 Oct 2023₹15.4t₹3.4t₹916.1b27.1x16.8x4.5x
Thu, 21 Sep 2023₹15.2t₹3.4t₹909.9b24.4x16.8x4.5x
Sat, 19 Aug 2023₹13.3t₹3.4t₹911.8b24.9x14.5x3.9x
Mon, 17 Jul 2023₹12.9t₹3.3t₹947.6b26x13.6x4x
Wed, 14 Jun 2023₹12.2t₹3.3t₹947.5b24.8x12.8x3.7x
Fri, 12 May 2023₹11.9t₹3.3t₹928.5b21.6x12.8x3.6x
Sun, 09 Apr 2023₹11.2t₹3.2t₹905.6b20.1x12.3x3.5x
Tue, 07 Mar 2023₹9.9t₹2.8t₹845.5b20.7x11.7x3.5x
Thu, 02 Feb 2023₹9.6t₹2.7t₹770.5b21x12.5x3.6x
Sat, 31 Dec 2022₹10.1t₹2.7t₹781.3b19.9x12.9x3.7x
Price to Earnings Ratio

12.9x


Total Market Cap: ₹10.1tTotal Earnings: ₹781.3bTotal Revenue: ₹2.7tTotal Market Cap vs Earnings and Revenue0%0%0%
Indian Diversified Financial Industry Price to Earnings3Y Average 17.6x202320242025
Current Industry PE
  • Investors are relatively neutral on the Indian Diversified Financial industry at the moment, indicating that they anticipate long term growth rates to remain steady.
  • The industry is trading close to its 3-year average PE ratio of 17.6x.
  • The industry is trading close to its 3-year average PS ratio of 5.0x.
Past Earnings Growth
  • The earnings for companies in the Diversified Financial industry have grown 7.4% per year over the last three years.
  • Revenues for these companies have grown 6.4% per year.
  • This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.

Industry Trends

Which industries have driven the changes within the Indian Financials industry?

IN Market0.84%
Financials0.16%
Diversified Financial0.17%
Multi-Sector Holdings1.90%
Specialized Finance1.45%
Transaction and Payment Processing Services0.94%
Other Diversified Financial Services-0.82%
Industry PE
  • Investors are most optimistic about the Other Diversified Financial Services industry which is trading above its 3-year average PE ratio of 31.9x.
    • Analysts are expecting annual earnings growth of 21.8%, which is higher than its past year's earnings decline of 12.8% per year.
Forecasted Growth
  • Analysts are most optimistic on the Transaction and Payment Processing Services industry, expecting annual earnings growth of 60% over the next 5 years.
  • This is better than its past earnings growth rate of 17% per year.
  • In contrast, the Specialized Finance industry is expected to see its earnings grow by 11% per year over the next few years.

Top Stock Gainers and Losers

Which companies have driven the market over the last 7 days?

CompanyLast Price7D1YValuation
IRFC Indian Railway Finance₹121.408.4%
+₹122.7b		-17.9%PE23.2x
PFC Power Finance₹354.905.6%
+₹61.9b		-21.3%PE4.7x
RECLTD REC₹354.205.6%
+₹49.5b		-30.2%PE5.4x
PAYTM One97 Communications₹1.34k4.6%
+₹37.7b		36.4%PS11.1x
JIOFIN Jio Financial Services₹298.701.2%
+₹21.9b		-2.0%PE116.4x

Latest News

HOMEFIRST
₹1,126.20
Home First Finance Company India
7D
-4.7%
1Y
12.2%

HOMEFIRST: Governance Changes Will Support Long-Term Business Momentum

Analysts have trimmed their price target on Home First Finance Company India from ₹1,775 to ₹1,650, citing slightly moderated expectations for revenue growth and profitability, partially offset by a lower discount rate and a more conservative future price to earnings multiple. What's in the News Board meeting scheduled for November 4, 2025 at 14:00 IST to review and approve financial results for the quarter and half year ended September 30, 2025 (company filing) Board to consider assigning additional responsibility of heading the legal function to Mr. Shreyans Bachhawat, in addition to his current role as Company Secretary and Compliance Officer, with a revised designation as Company Secretary, Compliance Officer and Head, Legal (company filing) Board to consider the resignation of Ms. Vilasini Subramaniam as Head, Strategic Alliances and Senior Management Personnel, effective November 14, 2025, citing personal reasons (company filing) Valuation Changes Consensus analyst price target reduced moderately from ₹1,775 to ₹1,650 Discount rate lowered slightly from 14.33 percent to 13.70 percent, supporting a higher present value of future cash flows Revenue growth expectations trimmed modestly from about 32.14 percent to 30.91 percent Net profit margin forecast eased marginally from 48.39 percent to 48.24 percent Future P/E multiple reduced meaningfully from 35.26x to 30.81x, reflecting a more conservative valuation stance
PFC
₹354.90
Power Finance
7D
5.6%
1Y
-21.3%

Here's Why We Think Power Finance (NSE:PFC) Is Well Worth Watching

Dec 22
Here's Why We Think Power Finance (NSE:PFC) Is Well Worth Watching
PIRAMALFIN
₹1,617.00
Piramal Finance
7D
6.1%
1Y
n/a
JIOFIN
₹298.70
Jio Financial Services
7D
1.2%
1Y
-2.0%
IRFC
₹121.40
Indian Railway Finance
7D
8.4%
1Y
-17.9%
RECLTD
₹354.20
REC
7D
5.6%
1Y
-30.2%

RECLTD: Upcoming Dividend Decision Will Support Continued Bullish Momentum

Analysts have modestly reduced their price target on REC to approximately ₹491 from about ₹497, citing slightly softer long term revenue growth and profit margin assumptions that are only partially offset by a marginally richer future valuation multiple. What's in the News A board meeting is scheduled for October 17, 2025, to review unaudited standalone and consolidated financial results for the quarter and half year ended September 30, 2025, and to consider the declaration of a second interim dividend (Key Developments).
ABCAPITAL
₹346.80
Aditya Birla Capital
7D
-0.4%
1Y
86.2%

ABCAPITAL: Executive Changes And AI Rollout Will Shape Balanced Future Prospects

Analysts have nudged their fair value estimate for Aditya Birla Capital higher to approximately ₹369 from ₹361, reflecting incremental confidence in sustained revenue growth, steady profit margins, and a slightly richer future earnings multiple. What's in the News Board meeting scheduled for October 30, 2025, to consider and approve unaudited standalone and consolidated results for the quarter and half year ended September 30, 2025, along with other business matters (company filing) Launch of a suite of AI powered features on the omnichannel D2C platform ABCD, including Gen AI Assist tools such as Sales Assist, Service Assist, Audit Assist, and Marketing Assist to enhance productivity and customer experience across the organization (company announcement) Introduction of SimpliFi, a seven feature personal finance assistant offering insights across credit, health, and spending, with modules like Market Pulse, Smart Signals, Goal Compass, and Know Your Policy to decode and compare health insurance coverage (company announcement) Expansion of customer protection offerings under a health first model, including a 360 degree protection bundle with health tracking, health saver card benefits, comprehensive personal insurance, and digital will services for legacy planning (company announcement) Postal ballot based special shareholders meeting on October 15, 2025, to approve the appointment and remuneration of Ms. Vishakha Mulye as managing director and CEO, and Mr. Rakesh Singh as executive director and CEO for the NBFC business (company filing) Valuation Changes Fair Value Estimate has risen slightly to approximately ₹369 from ₹361, reflecting modestly higher confidence in intrinsic value.
BAJAJFINSV
₹2,047.60
Bajaj Finserv
7D
0.6%
1Y
30.9%

BAJAJFINSV: Lower Discount Rate Will Mask Softer Margins And Pressure Future Returns

Analysts have modestly raised their price target for Bajaj Finserv from ₹1,535.88 to ₹1,615.87 as they factor in a lower discount rate and higher future valuation multiples, even though they are using slightly softer assumptions for revenue growth and profit margins. What's in the News Board meeting scheduled for November 11, 2025, to review and approve unaudited standalone and consolidated financial results for the quarter and half year ended September 30, 2025 (company filing) Upcoming Analyst and Investor Day announced, signaling management’s intent to provide updated guidance, strategic priorities, and a long term growth outlook to the market (company event) Valuation Changes Fair Value: Revised upward slightly from ₹1,535.88 to ₹1,615.87, reflecting a modest increase in intrinsic value estimates.
APTUS
₹282.35
Aptus Value Housing Finance India
7D
-2.4%
1Y
-7.3%

Not Many Are Piling Into Aptus Value Housing Finance India Limited (NSE:APTUS) Just Yet

Dec 10
Not Many Are Piling Into Aptus Value Housing Finance India Limited (NSE:APTUS) Just Yet
PAYTM
₹1,340.30
One97 Communications
7D
4.6%
1Y
36.4%

PAYTM: AI Expansion And Subsidiary Moves Will Shape A Cautious Outlook

Analysts have nudged their price target for One97 Communications higher from ₹1,302.59 to ₹1,365.82, citing slightly stronger long term margin expectations and a modestly higher future valuation multiple, despite largely unchanged growth and discount rate assumptions. What's in the News Paytm partnered with Groq to deploy GroqCloud and LPU hardware, aiming to deliver faster, more cost efficient AI inference for transaction processing, risk assessment, fraud detection, and customer engagement across its platform (Client Announcements).
NPST
₹1,382.30
Network People Services Technologies
7D
-4.3%
1Y
-50.8%
SAMMAANCAP
₹140.89
Sammaan Capital
7D
-4.1%
1Y
-6.1%
AADHARHFC
₹480.85
Aadhar Housing Finance
7D
-2.1%
1Y
13.7%

Investors Aren't Buying Aadhar Housing Finance Limited's (NSE:AADHARHFC) Earnings

Nov 21
Investors Aren't Buying Aadhar Housing Finance Limited's (NSE:AADHARHFC) Earnings
500490
₹11,277.25
Bajaj Holdings & Investment
7D
1.8%
1Y
2.1%
INDIASHLTR
₹837.95
India Shelter Finance
7D
-2.6%
1Y
21.4%

Investors Continue Waiting On Sidelines For India Shelter Finance Corporation Limited (NSE:INDIASHLTR)

Nov 12
Investors Continue Waiting On Sidelines For India Shelter Finance Corporation Limited (NSE:INDIASHLTR)
JSWHL
₹20,440.00
JSW Holdings
7D
-3.0%
1Y
44.1%