Laxmi India Finance Ltd

LAXMIINDIA NSE Financial Services Non Banking Financial Company (NBFC)
₹129.07
+0.93%
Delayed · cached 15 min

Fair value analysis

LAXMIINDIA
Laxmi India Finance Ltd
Financial ServicesNon Banking Financial Company (NBFC)
₹127.88
Close used for this calculation
₹173.12Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
54/100
Profitability19/25
Returns11/25
Balance Sheet6/25
Efficiency18/25
Growth14/25
Good
Quality radar
54Prof.19/25Ret.11/25Eff.18/25B.Sht6/25Growth14/25

Consensus fair value

₹173.12
Below FV
▲ +35.4% against the close used
Model range ₹100.91 – ₹262.55
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear₹100.91Fair value₹173.12Bull₹262.55
FairClose
52-week traded range
52W low ₹71.6552W high ₹175.87

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading below the consensus fair value

Laxmi India Finance Ltd closed at ₹127.88, 26.1% below the consensus fair value of ₹173.12 drawn from 8 valuation models.

Financial DNA score 54/100 — Good. P/E of 12.0x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
₹188.96
+47.8%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
₹146.29
+14.4%
√(22.5 × EPS × BVPS)
EPS=9.52, BVPS=99.91
Graham Formula
₹262.55
+105.3%
EPS × (8.5 + 2g) × 6.5 ÷ FD_Rate
g=10.6%, FD=7%
P/E Fair Value
₹160.41
+25.4%
EPS × 16.85x (sector P/E)
EPS=9.52, Sector P/E=16.85x
Peter Lynch (PEG)
₹100.91
-21.1%
EPS × Growth% (PEG = 1 is fair)
EPS=9.52, g=10.6%
Book Value (P/B)
₹194.82
+52.3%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=99.91, ROE=13.8%, g=6%, r=10%
Reverse DCF
₹127.88
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 1.8% | Historical: 10.6%
Margin of Safety
₹142.16
+11.2%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=189.55, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.