5Paisa Capital

5PAISA · NSE

— · —

₹348.6

Closing price — 31 Jul 2026

Market cap ₹878 Cr · EPS ₹26.21

Valuation

Blended fair value using DCF and peer comparison methods.

Intrinsic Value

₹233

-33.3% vs ₹349

Overvalued

UndervaluedFair valueOvervalued

DCF

₹7

Peer methods

₹458

Intrinsic value

₹233

DCF discounts future cash flows to present value. Peer methods compare against sector multiples. Averaging both reduces the limitations of each method alone.

The intrinsic value shown is an algorithmic estimate based on publicly available financial data — including DCF analysis, peer comparison, and historical financials. It is not a research report, investment advice, or a recommendation to buy, sell, or hold any security. Stock valuations involve uncertainty and may differ significantly from market prices. Please consult a SEBI-registered investment adviser before making any investment decision.

Peer comparison

How this company stacks up against sector peers on valuation and quality metrics.

Financial Services · 8 peers · sector medians shown

Better than medianWorse than median

Company	Mkt Cap	P/E	P/B	EV/EBITDA	ROE	Net Margin	Rev CAGR 3y
5Paisa Capital 5PAISA · you	₹878 Cr	13.3×	1.4×	—	6.8%	13.8%	-1.8%
Sector median	—	21.9×	1.2×	24.0×	5.9%	26.4%	11.9%
JM Financial JMFINANCIL	₹11,392 Cr	9.5×	1.1×	27.1×	11.3%	34.9%	1.8%
Can Fin Homes CANFINHOME	₹11,003 Cr	10.1×	1.8×	37.2×	18.2%	25.8%	15.4%
Indian Energy Exchange IEX	₹10,815 Cr	21.5×	7.8×	20.8×	36.1%	80.1%	15.4%
SBFC Finance SBFC	₹10,170 Cr	22.4×	2.7×	15.1×	12.1%	27.1%	31.5%
Sammaan Capital SAMMAANCAP	₹8,363 Cr	—	1.1×	—	-37.6%	-87.5%	-2.2%
Fusion Finance Limited FUSION	₹3,119 Cr	190.9×	1.3×	—	0.6%	0.9%	-2.7%
Kalyani Investment Company Limited KICL	₹2,325 Cr	64.1×	0.2×	—	0.3%	47.1%	11.9%
Jindal Photo Limited JINDALPHOT	₹1,113 Cr	—	1.1×	—	-2.2%	-217.9%	—

Peer comparison verdict

5Paisa trades at a discount to sector peers on P/E (13.3× vs median 21.9×). This may signal undervaluation — or reflect lower expected growth or higher perceived risk versus the peer group.

Business quality

Valuation

P/E ratio

13.3×

P/B ratio

—

EV/EBITDA

—

Price/Sales

—

Returns

ROE

6.8%

ROCE

—

ROA

—

Growth

Revenue CAGR (3yr)

-1.8%

EPS CAGR (3yr)

0.5%

Efficiency

Asset turnover

—

FCF yield

-12.6%

Dividend yield

—

Liquidity & Solvency

Debt / Equity

0.58×

Debt / EBITDA

—

Interest coverage

—

Current ratio

—

Quick ratio

—

Financial health

Piotroski F-Score, Altman Z-Score, and key solvency ratios.

Full financial data

Charts and annual statements for income, balance sheet and cash flow.

Income trend

Revenue, profit and margin trends over time.

Revenue

Net profit

Operating margin

Net margin

Revenue

₹320 Cr

Net profit

₹44 Cr

Operating margin

—

Net margin

13.8%

Revenue and net profit in ₹ Crores (left axis). Margins % on right axis.

Cash flow

Where cash comes from and where it goes.

Operating CFInvesting CFFinancing CFFree cash flow

Operating CF — Cash earned from running the business. The core engine of financial health.

Investing CF — Cash spent on assets and equipment. Negative is normal — it means the company is investing in growth.

Financing CF — Cash from borrowing or repaying loans and dividends. Negative means debt is being repaid.

Free cash flow — Operating CF minus capex. Cash left after keeping the business running. Positive and growing is ideal.

Operating CF

-₹103.71 Cr

Investing CF

₹0 Cr

Financing CF

₹0 Cr

Free cash flow

-₹110.62 Cr

Balance sheet

Assets show what the company owns. Liabilities show what it owes. Equity is what's left for shareholders.

How the company is funded — equity is owners' money, debt is long-term borrowing, current liabilities are short-term obligations.

Equity

Debt

Current liabilities

Total assets

—

Total debt

₹379 Cr

Equity

₹649 Cr

Debt / Equity

0.58×

Numbers are illustrative — order-of-magnitude correct. For precise figures, refer to the company's annual report on BSE/NSE.

Shareholding pattern

Who owns this company and how that has changed.

What shareholding tells you: When promoters (founders/controlling shareholders) increase their stake, it usually signals confidence in the business. Rising FII (foreign funds) interest means international money is moving in. High promoter pledge is a risk — pledged shares can be force-sold if the stock price falls sharply.

Latest quarter

Promoter

36.5%

+3.7 pp QoQ

FII

15.1%

+2.7 pp QoQ

DII

0.0%

Retail

48.4%

Trend over time (%)

Quarterly data

Category	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Apr 2026	Change (YoY)
Promoter	33.3%	32.8%	32.8%	32.8%	32.8%	32.8%	32.8%	32.8%	32.7%	32.8%	32.8%	36.5%	+3.2 ppvs oldest
FII (Foreign)	23.1%	22.4%	22.7%	22.7%	21.6%	21.6%	21.6%	21.6%	21.7%	12.4%	12.4%	15.1%	-8.0 ppvs oldest
DII (Domestic)	0.0%	0.2%	0.3%	0.3%	0.3%	0.3%	0.3%	0.3%	0.3%	0.0%	0.0%	0.0%	+0.0 ppvs oldest
Retail	43.6%	44.6%	44.2%	44.3%	45.4%	45.4%	45.4%	45.4%	45.3%	54.8%	54.8%	48.4%	+4.8 ppvs oldest

Signals from the trend

📈

PromoterUp 3.2pp — insiders are adding to their stake

📉

FIINet sellers (8pp) — foreign institutional interest is declining

➡️

DIIStable

Mixed signals — promoter buying on the positive side, but FII outflows adds uncertainty.

pp = percentage points. FII = Foreign Institutional Investors. DII = Domestic Institutional Investors (MFs, insurance). Data sourced from NSE/BSE filings. Verify on BSE/NSE before any investment decision.