SRTRANSFIN Fair Value & Analysis
Financials · IN · Market cap ₹348B (≈ $3.7B) · ISIN INE721A01013
What is SRTRANSFIN really worth?
Below-average quality, trading 22% below our fair value of ₹1,329.
Risks
For context
Fair value as of: Aug 24, 2026
From 6 valuation models · updated 12 days ago
Share price −6.8% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- The price sits in the lower half of our model range, the side with the larger margin of safety.
- Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 24, 2026.
How to read this chart
60‑month range ₹187.84 – ₹1,139 · fair‑value band ₹996.78 – ₹1,661 · the ₹1,041 price screens below the ₹1,329 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 24, 2026.
Analysis
SRTRANSFIN (SRTRANSFIN) currently trades at ₹1,041, while our model-based Fair Value estimate is ₹1,329, implying the stock looks roughly 21.7% undervalued today. The Quality Score stands at 29/100 (below-average quality), in the Financials sector. Bull case: the Multiples group reads highest at a median of ₹1,059 per share, and 2 of the 6 models we run sit above the ₹1,041 price. Bear case: the Dividend Discount group reads lowest at ₹438.65, and 4 of the 6 models stay below the price. Evidence for this calculation is medium.
Net debt stands at ₹813B. The stock trades on a trailing P/E of 14.2 (as of Aug 24, 2026). Fundamentals as of Aug 24, 2026
Our scenario range runs from ₹996.78 (bear case) to ₹1,661 (bull case); at ₹1,041, 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 about 10% below its 52-week high and 86% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financials peers we cover trades at 100% fair-value upside, at 28%, SRTRANSFIN screens richer than that median.
Fair Value models
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.
All 6 models by family
Widest divergence: Multiples (₹1,059) versus Dividend Discount (₹438.65). Highest evidence: Residual Income (73).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 24, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 22 · Market factors (momentum, volatility) 71
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.
Revenue & earnings trend
FY2017 – FY2021 · reported fiscal years
SRTRANSFIN reported revenue of ₹193B in FY2021 versus ₹134B in FY2017, a compound +9.4%/yr. Reported net income was ₹27.2B in FY2021, compounding +1.6%/yr from FY2017.
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Peer Group
Financials · 3318 stocks
How this stock ranks against its sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Banking Services” was too small, so the broader sector is used.)
Valuation Multiples vs Financials median · lower = cheaper
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banking Services stocks, each showing price versus our Fair Value estimate (as of Aug 24, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCKK | $13.00 | $26.00 | +100% |
| 532134 532134 | ₹247.00 | ₹187.35 | −24% |
| LTG LTG | 14.88 PHP | 29.76 PHP | +100% |
| 532505 532505 | ₹26.11 | ₹52.22 | +100% |
| 590071 590071 | ₹4,617 | ₹7,978 | +73% |
| 535789 535789 | ₹150.30 | ₹221.25 | +47% |
| 540749 540749 | ₹303.35 | ₹385.27 | +27% |
| Han Kook Capital.Co., Ltd 023760 | 1,410 KRW | 2,820 KRW | +100% |
| 533295 533295 | ₹22.88 | ₹31.07 | +36% |
| Sangsangin Co 038540 | 2,145 KRW | 4,290 KRW | +100% |
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Frequently asked questions
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