Piramal Finance Limited

PIRAMALFIN NSE Financial Services Housing Finance Company
Nifty 500 Smallcap 50 Smallcap 100 Smallcap 250
₹2,255.60
-1.74%
Delayed · cached 15 min

Fair value analysis

PIRAMALFIN
Piramal Finance Limited
Financial Services›Housing Finance Company
₹2,295.60
Close used for this calculation
₹1,215.91Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
28/100
Profitability17/25
Returns8/25
Balance Sheet1/25
Efficiency2/25
Growth6/25
Weak
Quality radar
28Prof.17/25Ret.8/25Eff.2/25B.Sht1/25Growth6/25

Consensus fair value

₹1,215.91
Above FV
▼ -47.0% against the close used
Model range ₹36.09 – ₹1,817.79
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₹36.09Fair value₹1,215.91Bull₹1,817.79
FairClose
52-week traded range
52W low ₹1,323.0052W high ₹2,310.50

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

Valuation summary

Trading above the consensus fair value

Piramal Finance Limited closed at ₹2,295.60, 88.8% above the consensus fair value of ₹1,215.91 drawn from 9 valuation models.

Financial DNA score 28/100 — Weak. P/E of 119.0x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
₹1,317.18
-42.6%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
₹734.11
-68.0%
√(22.5 × EPS × BVPS)
EPS=66.36, BVPS=360.94 · outside Graham range (P/E 119, P/B 6.4) — asset-light, treat as a rough floor
Graham Formula
₹1,817.79
-20.8%
EPS × (8.5 + 2g) × 6.5 ÷ FD_Rate
g=10.5%, FD=7%
P/E Fair Value
₹882.59
-61.6%
EPS × 13.3x (sector P/E)
EPS=66.36, Sector P/E=13.3x
Peter Lynch (PEG)
₹696.78
-69.6%
EPS × Growth% (PEG = 1 is fair)
EPS=66.36, g=10.5%
EV/EBITDA
₹1,810.16
-21.1%
(EBITDA × 15.3x − Net Debt) ÷ Shares
EBITDA=80.05B
Book Value (P/B)
₹36.09
-98.4%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=360.94, ROE=1%, g=6%, r=10%
Reverse DCF
₹2,295.60
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 14.5% | Historical: 10.5%
Margin of Safety
₹890.94
-61.2%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=1187.92, 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.