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524804 Fair Value & Analysis

Other · IN · Market cap ₹706B

5 524804 524804 · BSE
Price₹1,658
Fair Value₹1,303
Upside-21.4%
Quality59/100
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Healthy Growth
Thin margins · 0.0% net margin
Low debt · generates free cash flow
0.38% dividend yield
Evidence: High Range ₹839.01 – ₹1,757 Share as image

Fair value as of: Aug 13, 2026

From 26 valuation models · updated yesterday

Fair value updated Aug 13, 2026, revised from ₹1,268 to ₹1,303 (+2.8%) since Aug 9, 2026. Share price +2.3% over the past month.

A solid business, but screening 21% overvalued on our models.

What matters now

  • Solid but not exceptional quality (59/100) and above fair value, neither a clear bargain nor a standout compounder.
  • A fairly wide model range (₹839.01 to ₹1,757) leaves room in how you read the outcome.
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Price vs Fair Value (5 years)

₹1,665 ₹398.11 Fair Value ₹1,303 Feb 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.

How to read this chart

60‑month range ₹398.11 – ₹1,665 · fair‑value band ₹839.01 – ₹1,757 · the ₹1,658 price screens above the ₹1,303 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.

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Analysis

524804 (524804) currently trades at ₹1,658, while our model-based Fair Value estimate is ₹1,303, implying the stock looks roughly 21.4% overvalued today. The Quality Score stands at 59/100 (solid quality), in the Other sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Net debt stands at ₹4.8B. The stock trades on a trailing P/E of 20.2 (as of Jul 4, 2026). Fundamentals as of Aug 13, 2026

Our scenario range runs from ₹839.01 (bear case) to ₹1,757 (bull case); at ₹1,658, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 63% above its 52-week low. For context, the median of 10 Other peers we cover trades at -52% fair-value upside, at -21%, 524804 screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model Bear Bear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull Bull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence
Highest evidence
Growth DCF ₹865.64 ₹1,337 ₹2,132 80
Residual Income ₹775.33 ₹857.97 ₹1,423 76
Rev-Margin DCF ₹915.10 ₹1,434 ₹2,050 74
All 26 models by family
DCF Models
FCF DCF ₹855.71 ₹1,325 ₹2,105 38
Owner Earnings ₹784.76 ₹1,207 ₹1,909 31
5Y Revenue Exit ₹915.10 ₹1,441 ₹2,127 39
5Y EBITDA Exit ₹1,112 ₹1,821 ₹2,668 41
5Y P/E Exit ₹1,017 ₹1,636 ₹2,304 38
10Y Revenue Exit ₹861.86 ₹1,350 ₹2,038 36
10Y EBITDA Exit ₹1,019 ₹1,624 ₹2,472 37
10Y P/E Exit ₹955.87 ₹1,491 ₹2,180 35
Earnings-Based
Graham-Dodd ₹559.38 ₹1,980 ₹2,665 54
Lynch FV ₹464.12 ₹663.03 ₹861.94 50
PEG = 1.0 ₹464.12 ₹663.03 ₹861.94 46
EPV ₹1,091 ₹1,258 ₹1,405 59
Dividend Discount
Gordon GGM ₹52.47 ₹114.55 ₹192.74 70
DDM Multi-Stage ₹52.47 ₹93.84 ₹119.38 61
Multiples
P/E Multiple ₹1,049 ₹1,398 ₹1,748 63
P/S Multiple ₹881.54 ₹1,175 ₹1,469 58
P/B Multiple ₹1,049 ₹1,398 ₹1,748 55
EV/EBIT ₹1,401 ₹1,818 ₹2,236 53
EV/EBITDA ₹1,357 ₹1,759 ₹2,161 54
EV/Revenue ₹972.72 ₹1,325 ₹1,678 43
Asset-Based
NCAV (Graham) ₹444.68 ₹595.87 ₹889.36 50
Growth DCF
Growth DCF ₹865.64 ₹1,337 ₹2,132 80
Rev-Margin DCF ₹915.10 ₹1,434 ₹2,050 74
Economic Profit
Residual Income ₹775.33 ₹857.97 ₹1,423 76
ROIC Compounder ₹1,155 ₹1,492 ₹1,950 72
Growth Earnings
Growth-Adj P/E ₹788.86 ₹1,127 ₹1,465 68

Widest divergence: DCF Models (₹1,441) versus Dividend Discount (₹93.84). Highest evidence: Growth DCF (80).

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Key figures & financial health

Return on equity 1,116%
Free cash flow ₹24.2B FY2025
P/E ratio 20.2 as of Jul 4, 2026
EPS (TTM) ₹58.32
Dividend yield 0.4%
Net debt ₹4.8B FY2025

Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 59/100

Of which business quality 59 · Market factors (momentum, volatility) 81

Profitability 47
Margins and returns on capital today
Quality Growth 43
Are margins and returns improving?
Cashflow 47
Earnings quality: real cash, not paper profit
Fin. Strength 84
Balance sheet, leverage, solvency risk
Investment 44
Disciplined investing over empire-building
Low Volatility 74
Calm price path (market factor)
Momentum 79
Price trend over the last 3–12 months (market factor)
52W Momentum 93
Distance to the 52-week high (market factor)
Net Issuance 83
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

524804 reported revenue of ₹334B in FY2025 versus ₹235B in FY2021, a compound +9.2%/yr. Reported net income was ₹35.0B in FY2025, compounding +7.3%/yr from FY2021.

Growth Quality 71/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Latest Revenue (FY 2025)
₹334B
Latest YoY
+5.2%
Avg. growth/yr (3Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+10.3%
Avg. growth/yr (5Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+6.1%
Avg. growth/yr (10Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+9.1%
Revenue +9.2%/yr
FY21 ₹235B
FY22 ₹249B
FY23 ₹290B
FY24 ₹317B
FY25 ₹334B
Net income +7.3%/yr
FY21 ₹26.5B
FY22 ₹19.3B
FY23 ₹31.7B
FY24 ₹34.9B
FY25 ₹35.0B

524804 screens 21% overvalued. Compare with Federal Home Loan Mortgage Corporation →

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Cite: Fair Value Calculator (2026). "524804 Fair Value". https://www.fairvalue-calculator.com/stock/524804

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

Is 524804 overvalued or undervalued?
As of Aug 13, 2026, our model estimates a fair value of ₹1,303 versus a price of ₹1,658, about −21% (overvalued).
What is the fair value of 524804?
Our model-based fair value for 524804 is ₹1,303 (as of Aug 13, 2026), built from audited fundamentals. The current price is ₹1,658.
What is the quality score of 524804?
524804 has a Quality Score of 59/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the net profit margin of 524804?
The net profit margin of 524804 is about 0.0%, meaning it keeps roughly 0.0% of revenue as net income. Based on the latest reported figures.
Does 524804 pay a dividend?
524804 currently shows a dividend yield of about 0.38% relative to its recent price (as of Aug 13, 2026).

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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