SG Finserv Intrinsic Value
SG Finserv intrinsic value. SG Finserv (SGFIN) median intrinsic value is ₹318.00 from 8 valuation models (range ₹180–₹424), vs current price ₹677.95 — -53.1% downside (Trading Above Calculated Value), margin of safety -100.0%. For current market price and key ratios, visit SG Finserv share price chart.
SGFIN Valuation Methods Summary — DCF, Graham Number & P/E
SG Finserv intrinsic value across 8 models vs current price ₹677.95 — upside/downside and value range per method. Compare with SGFIN fundamental valuation to assess whether the stock is under or overvalued.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹318.00 | ₹254.40 - ₹381.60 | -53.1% | EPS: ₹26.50, Sector P/E: 12x |
| Book Value Method | asset | ₹179.69 | ₹161.72 - ₹197.66 | -73.5% | Book Value/Share: ₹224.62, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹203.39 | ₹183.05 - ₹223.73 | -70.0% | Revenue/Share: ₹61.85, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹287.69 | ₹258.92 - ₹316.46 | -57.6% | EBITDA: ₹374.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹424.00 | ₹381.60 - ₹466.40 | -37.5% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹227.90 | ₹205.11 - ₹250.69 | -66.4% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹338.98 | ₹305.08 - ₹372.88 | -50.0% | ROE: 10.8%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹365.96 | ₹329.36 - ₹402.56 | -46.0% | EPS: ₹26.50, BVPS: ₹224.62 |
SGFIN Intrinsic Value vs Market Price — All Valuation Models
SG Finserv fair value range ₹180–₹424 vs current market price ₹677.95 across 8 valuation models. Read SGFIN dividend growth for the complete payout history and dividend yield track record.
SGFIN Intrinsic Value Analysis — Undervalued or Overvalued?
SG Finserv median intrinsic value ₹318.00, current price ₹677.95 — Trading Above Calculated Value by 53.1%, margin of safety -100.0%.
What is the intrinsic value of SGFIN?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of SG Finserv (SGFIN) is ₹318.00 (median value). With the current market price of ₹677.95, this represents a -53.1% variance from our estimated fair value.
The valuation range spans from ₹179.69 to ₹424.00, indicating ₹179.69 - ₹424.00.
Is SGFIN undervalued or overvalued?
Based on our multi-method analysis, SG Finserv (SGFIN) appears to be trading above calculated value by approximately 53.1%.
SGFIN Financial Health — Key Ratios vs Industry Benchmarks
SG Finserv financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.47 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 10.8% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 93.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.10x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
SGFIN Cash Flow Quality — Operating & Free Cash Flow
SG Finserv operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹-1,572 Cr | ₹-1,572 Cr | Negative Cash Flow | 3/10 |
| March 2025 | ₹-492 Cr | ₹-520 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-629 Cr | ₹-631 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-941 Cr | ₹-941 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹0 Cr | ₹0 Cr | Negative Cash Flow | 3/10 |