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Central Depository Services (India) Limited (CDSL) Fair Value & Analysis

Financial Services · IN · Market cap ₹275B (≈ $2.9B) · ISIN INE736A01011

What is Central Depository Services (India) Limited really worth?

CD Central Depository Services (India) Limited CDSL · NSE
Price₹1,395
Fair Value₹283.72
Upside−79.7%
Quality68/100

A solid business, but trading 392% above our fair value of ₹283.72.

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Strengths

Healthy Growth (revenue 5y +29.2 %/yr)
Highly profitable · 36.8% net margin
generates free cash flow
Wide moat 87/100

Risks

!Mixed vs. peers (6/13)
!Weak on future: 28 out of 100
!Weak on dividend: 18 out of 100

For context

·0.91% dividend yield
Evidence: High Range ₹212.79 – ₹522.74

Fair value as of: Aug 19, 2026

From 13 valuation models · updated 16 days ago

Share price +5.1% over the past month.

What runs behind every stock

69 individual criteria per stock, every one traceable See the method →

What matters now

  • The price sits above even our optimistic bull case (₹522.74). The favourable scenario is already priced in.
  • Solid but not exceptional quality (68/100) and above fair value, neither a clear bargain nor a standout compounder.
  • A fairly wide model range (₹212.79 to ₹522.74) leaves room in how you read the outcome.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

₹1,964 ₹416.73 Fair Value ₹283.72 May 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 19, 2026.

How to read this chart

60‑month range ₹416.73 – ₹1,964 · fair‑value band ₹212.79 – ₹522.74 · the ₹1,395 price screens above the ₹283.72 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 19, 2026.

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Analysis

Central Depository Services (India) Limited (CDSL) currently trades at ₹1,395, while our model-based Fair Value estimate is ₹283.72, implying the stock looks roughly 391.6% overvalued today. The Quality Score stands at 68/100 (solid quality), in the Financial Services sector. Bull case: the DCF Models group reads highest at a median of ₹543.61 per share, and 0 of the 13 models we run sit above the ₹1,395 price. Bear case: the Asset-Based group reads lowest at ₹62.83, and 13 of the 13 models stay below the price. Evidence for this calculation is high.

Over the trailing twelve months, Central Depository Services (India) Limited generated revenue of ₹12.4B at a net margin of 36.8%. Revenue grew 5.5% year over year. It earns a return on equity of 23.9%. The balance sheet holds a net cash position of ₹809M. Fundamentals as of Aug 19, 2026

Our scenario range runs from ₹212.79 (bear case) to ₹522.74 (bull case); at ₹1,395, the current price sits above 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 about 23% below its 52-week high and 25% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at −80%, CDSL screens richer than that median.

Fair Value models

This estimate rests on fiscal year 2026 figures, and about 5 months have passed since. In that time the company retained roughly ₹3.92 per share, which is 1.4 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced 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. Every input is real reported data, nothing guessed.

Note: the current price implies far more future growth than the conservative anchors of our models allow (base growth is deliberately capped, we do not regard such extreme rates as sustainable). Our models are not designed for expectations this high; that is why the individual models scatter extremely (₹62.83 to ₹1,035). Read the values as a conservative anchor, not as a price target.
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 best evidence ₹314.64 ₹613.78 ₹1,235 71
Rev-Margin DCF ₹155.31 ₹275.09 ₹457.65 68
Owner Earnings ₹340.45 ₹792.37 ₹1,784 67
All 13 models by family
DCF Models
Owner Earnings ₹340.45 ₹792.37 ₹1,784 67
5Y P/E Exit ₹247.25 ₹504.88 ₹841.27 66
10Y P/E Exit ₹271.46 ₹543.61 ₹1,021 58
Earnings-Based
Graham-Dodd ₹148.41 ₹1,035 ₹1,452 63
Lynch FV ₹337.93 ₹482.76 ₹627.58 61
Dividend Discount
Gordon GGM ₹120.24 ₹262.50 ₹441.67 65
DDM Multi-Stage ₹120.24 ₹215.03 ₹273.57 66
Multiples
P/E Multiple ₹212.79 ₹283.72 ₹354.65 63
P/B Multiple ₹98.46 ₹131.28 ₹164.10 55
Asset-Based
NCAV (Graham) ₹46.88 ₹62.83 ₹93.77 51
Growth DCF
Growth DCF best evidence ₹314.64 ₹613.78 ₹1,235 71
Rev-Margin DCF ₹155.31 ₹275.09 ₹457.65 68
Economic Profit
Residual Income ₹145.08 ₹181.10 ₹698.69 64

Widest divergence: DCF Models (₹543.61) versus Asset-Based (₹62.83). Highest evidence: Growth DCF (71).

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Key figures & financial health

P/E ratio 63.8
P/S ratio 23.5 P/E × margin
EPS (TTM) ₹21.86 price ÷ EPS = P/E 63.8
Dividend yield 0.9% payout 58.3%
Net margin 36.8% FY2026
Return on equity 23.9% TTM
More key figures
Profitability
Return on assets (EBIT) 25.3% avg 5y
Operating margin 38.9% TTM
Growth
Revenue (TTM) ₹12.4B TTM
Revenue growth (YoY) +5.5% 3y avg +30.7%
EPS growth (YoY) −19.9%
Balance sheet & cash flow
Free cash flow ₹3.9B FY2026
Net cash ₹809M FY2026

Figures from reported company fundamentals · as of Aug 19, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 68/100

Of which business quality 67 · Market factors (momentum, volatility) 54

Profitability 77
Margins and returns on capital today
Quality Growth 35
Are margins and returns improving?
Cashflow 78
Earnings quality: real cash, not paper profit
Fin. Strength 78
Balance sheet, leverage, solvency risk
Investment 29
Disciplined investing over empire-building
Low Volatility 83
Calm price path (market factor)
Momentum 48
Price trend over the last 3–12 months (market factor)
52W Momentum 32
Distance to the 52-week high (market factor)
Net Issuance 81
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.

All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.

About the company

Central Depository Services (India) Limited, together with its subsidiaries, provides depository services in India. It operates through Depository; Data Entry and Storage; and Repository segments.

Full company description

Central Depository Services (India) Limited, together with its subsidiaries, provides depository services in India. It operates through Depository; Data Entry and Storage; and Repository segments. The Depository segment offers various services to investors, such as dematerialisation, rematerialisation, holding, transfer, and pledge of securities in electronic form; and e-voting services to companies. Its Data Entry and Stroage segment provides centralized record keeping of KYC document of capital market investors. The Repository segment offers policyholders/warehouse receipt holders a facility to keep insurance policies/warehouse receipts in electronic form and to undertake changes, modifications, and revisions in the policy/receipt. It also provides account opening, processing delivery and receipt instructions, pledging, nomination, transmission of securities, change in address, bank account details, and SMS services for depository participants (DPs). In addition, the company offers various services, such as electronic access to security information, electronic access to security information and execution of secured transaction, SMS alerts related to transactions, electronic consolidated account statements, and virtual annual general meetings; Myeasi mobile application; application programming interfaces for DPs, electronic delivery instruction slip, and electronic margin pledge; and electronic foreign investment monitoring, electronic system driven disclosure services, and electronic notices, as well as e-locker services. Further, it provides KYC registration agency, eKYC, electronic signature service, tax filing, stamp duty calendar, electronic negotiable warehouse receipts and electronic non-negotiable warehouse receipts, and electronic insurance account. The company serves market participants, exchanges, clearing corporations, DPs, issuers, and investors. Central Depository Services (India) Limited was incorporated in 1997 and is based in Mumbai, India.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

Central Depository Services (India) Limited reported revenue of ₹12.4B in FY2026 versus ₹5.5B in FY2022, a compound +22.4%/yr. Reported net income was ₹4.6B in FY2026, compounding +10.0%/yr from FY2022.

Growth Quality 100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Latest Revenue (FY 2026)
₹12.4B
Latest YoY
+14.4%
Avg. revenue 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.
+30.7%
Avg. revenue 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.
+29.2%
Avg. revenue growth/yr (16Y) 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.
+16.9%
Value creation/yr (5Y, in INR) Earnings growth per share (CAGR 5 years) plus dividend yield: value created per share and year. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+18.8% (17.9 + 0.9)
Revenue +22.4%/yr
FY22 ₹5.5B
FY23 ₹5.6B
FY24 ₹8.1B
FY25 ₹10.8B
FY26 ₹12.4B
Net income +10.0%/yr
FY22 ₹3.1B
FY23 ₹2.8B
FY24 ₹4.2B
FY25 ₹5.3B
FY26 ₹4.6B
Character of growth · EPS growth decomposed (2015-2026) +22.0 % p.a.
Revenue per share +26.6 %

of which total revenue +26.6 % · buybacks/dilution +0.0 %

EBIT margin +0.8 %
Tax rate +0.6 %
Residual (interest, one-offs) −5.0 %

Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).

CDSL screens 392% overvalued. Compare with Morgan Stanley, a financial holding company, →

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Cite: Fair Value Calculator (2026). "Central Depository Services (India) Limited Fair Value". https://www.fairvalue-calculator.com/stock/CDSL

Peer Group

Capital Markets · 453 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Quality Score 68 · Top 25%
Fair Value upside −80% · Bottom 25%
Return on equity (TTM) 24% · Top 25%
Return on assets 17% · Top 25%
Net margin (TTM) 37% · Top 25%
Operating margin (TTM) 39% · Above median
Revenue growth 6% · Below median
Dividend yield (TTM) 0.9% · Below median

Valuation Multiples vs Capital Markets median · lower = cheaper

P/E (TTM) 63.8× · Pricier than 75% of peers
P/B 14.05× · Pricier than 75% of peers
P/S (TTM) 22.23× · Pricier than 75% of peers
P/FCF 0.7× · Cheaper than median
EV/EBITDA 40.4× · Pricier than 75% of peers

Strength profile in five axes (Snowflake)

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE0 · sector 10
FUTURE28 · sector 91
PAST96 · sector 30
HEALTH0 · sector 94
DIVIDEND18 · sector 38

VALUE 0: the price sits above our fair-value range.

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

Similar stocks

10 more Capital Markets stocks, each showing price versus our Fair Value estimate (as of Aug 19, 2026).

Stock Price Fair Value vs Fair Value
Morgan Stanley, a financial holding company, MS $214.77 $138.97 −35%
The Goldman Sachs Group GS $1,034 $756.89 −27%
The Charles Schwab Corporation SCHW $110.16 $66.17 −40%
Robinhood Markets, Inc HOOD $104.26 $30.94 −70%
Macquarie Group MQG A$251.87 A$75.58 −70%
CITIC Securities Company 600030 ¥27.93 ¥17.68 −37%
Guotai Haitong Securities Co 601211 ¥17.87 ¥18.62 +4%
East Money Information Co 300059 ¥19.42 ¥4.77 −75%
CSC Financial Co 601066 ¥25.78 ¥14.17 −45%
Huatai Securities Co 601688 ¥19.56 ¥19.26 −2%

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Frequently asked questions

Is Central Depository Services (India) Limited (CDSL) overvalued or undervalued?
As of Aug 19, 2026, our model estimates a fair value of ₹283.72 versus a price of ₹1,395, about −80% upside (overvalued).
What is the fair value of CDSL?
Our model-based fair value for Central Depository Services (India) Limited is ₹283.72 (as of Aug 19, 2026), built from audited fundamentals. The current price: ₹1,395.
What is the quality score of CDSL?
Central Depository Services (India) Limited has a Quality Score of 68/100. 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 revenue of Central Depository Services (India) Limited (CDSL)?
Central Depository Services (India) Limited reported trailing-twelve-month revenue of about ₹12.4B (latest available figure, as of Aug 19, 2026).
What is the net profit margin of CDSL?
The net profit margin of Central Depository Services (India) Limited is about 36.8%, meaning it keeps roughly 36.8% of revenue as net income. Based on the latest reported figures.
Does Central Depository Services (India) Limited pay a dividend?
Central Depository Services (India) Limited currently shows a dividend yield of about 0.91% relative to its recent price (as of Aug 19, 2026).
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