Fedbank Financial Services Valuation

Q: What is the Fair Price of 544027 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

544027 (₹99.05) is trading above our estimate of [[fair value]] (₹39.25)

Is 544027 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 544027 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 544027 (₹99.05) is trading above our estimate of fair value (₹39.25)

Significantly Below Fair Value: 544027 is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 544027?

Key metric: As 544027 is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 544027. This is calculated by dividing 544027's market cap by their current earnings.
What is 544027's PE Ratio?
PE Ratio	13.8x
Earnings	₹2.68b
Market Cap	₹36.83b

544027 key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	n/a
Enterprise Value/EBITDA	n/a
PEG Ratio	0.4x

Price to Earnings Ratio vs Peers

How does 544027's PE Ratio compare to its peers?

The above table shows the PE ratio for 544027 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	Forward PE	Estimated Growth	Market Cap
Peer Average	20.9x
532900 Paisalo Digital	21.1x	25.8%	₹39.0b
MASFIN MAS Financial Services	18.9x	n/a	₹53.2b
SPANDANA Spandana Sphoorty Financial	27.3x	84.8%	₹26.1b
EQUITAS Equitas Holdings	16.2x	44.7%	₹41.1b
544027 Fedbank Financial Services	13.8x	33.8%	₹36.8b

Price-To-Earnings vs Peers: 544027 is good value based on its Price-To-Earnings Ratio (13.8x) compared to the peer average (22.5x).

Price to Earnings Ratio vs Industry

How does 544027's PE Ratio compare vs other companies in the IN Consumer Finance Industry?

1 Company	Price / Earnings	Estimated Growth	Market Cap
523384 Maha Rashtra Apex	0.6x	n/a	US$24.19m

No more companies available in this PE range

1 Company		Estimated Growth	Market Cap

No more companies

Price-To-Earnings vs Industry: 544027 is good value based on its Price-To-Earnings Ratio (13.8x) compared to the Indian Consumer Finance industry average (21.7x).

Price to Earnings Ratio vs Fair Ratio

What is 544027's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

544027 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio	13.8x
Fair PE Ratio	21.2x

Price-To-Earnings vs Fair Ratio: 544027 is good value based on its Price-To-Earnings Ratio (13.8x) compared to the estimated Fair Price-To-Earnings Ratio (21.2x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 544027 forecast and predictions for the stock price in 12 month’s time.
Date	Share Price	Average 1Y Price Target	Dispersion	High	Low	1Y Actual price	Analysts
Current	₹99.05	₹152.50 +54.0%	8.5%	₹160.00	₹130.00	n/a	4
Nov ’25	₹107.60	₹152.50 +41.7%	8.5%	₹160.00	₹130.00	n/a	4
Oct ’25	₹117.70	₹166.00 +41.0%	6.3%	₹184.00	₹160.00	n/a	4
Sep ’25	₹121.00	₹166.00 +37.2%	6.3%	₹184.00	₹160.00	n/a	4
Aug ’25	₹125.65	₹166.00 +32.1%	6.3%	₹184.00	₹160.00	n/a	4
Jul ’25	₹123.60	₹166.00 +34.3%	6.3%	₹184.00	₹160.00	n/a	4
Jun ’25	₹118.90	₹166.00 +39.6%	6.3%	₹184.00	₹160.00	n/a	4
May ’25	₹128.40	₹166.00 +29.3%	6.3%	₹184.00	₹160.00	n/a	4
Apr ’25	₹119.65	₹166.00 +38.7%	6.3%	₹184.00	₹160.00	n/a	4
Mar ’25	₹122.75	₹168.00 +36.9%	6.7%	₹184.00	₹160.00	n/a	3

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

Discover undervalued companies

Manappuram Finance

₹131.8b

A gold loan non-banking financial company, provides retail credit products and financial services in India.

531213

₹155.70

3.6%

0.4%

Aditya Birla Capital

₹492.2b

Through its subsidiaries, provides various financial products and services in India and internationally.

ABCAPITAL

₹188.92

-6.1%

10.5%

Key

₹1.6b

A non-banking financial company, provides vehicle financing services in India.

507948

₹272.10

-7.7%

380.6%