PMC Fincorp Intrinsic Value
PMC Fincorp intrinsic value. PMC Fincorp (PMCFIN) median intrinsic value is ₹2.82 from 7 valuation models (range ₹1–₹6), vs current price ₹1.84 — +53.3% upside (Trading Below Calculated Value), margin of safety 34.8%. Compare with PMC Fincorp value estimation to assess whether the stock is under or overvalued.
PMCFIN Valuation Methods Summary — DCF, Graham Number & P/E
PMC Fincorp intrinsic value across 7 models vs current price ₹1.84 — upside/downside and value range per method. For current market price and key ratios, visit PMC Fincorp share price today.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹1.20 | ₹0.96 - ₹1.44 | -34.8% | EPS: ₹0.10, Sector P/E: 12x |
| Book Value Method | asset | ₹4.60 | ₹4.14 - ₹5.06 | +150.0% | Book Value/Share: ₹26.20, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹2.82 | ₹2.54 - ₹3.10 | +53.3% | Revenue/Share: ₹2.82, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹3.68 | ₹3.31 - ₹4.05 | +100.0% | EBITDA: ₹11.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹0.64 | ₹0.58 - ₹0.70 | -65.2% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹0.86 | ₹0.77 - ₹0.95 | -53.3% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| Graham Defensive Method | conservative | ₹5.52 | ₹4.97 - ₹6.07 | +200.0% | EPS: ₹0.10, BVPS: ₹26.20 |
PMCFIN Intrinsic Value vs Market Price — All Valuation Models
PMC Fincorp fair value range ₹1–₹6 vs current market price ₹1.84 across 7 valuation models. Read PMCFIN dividend growth for the complete payout history and dividend yield track record.
PMCFIN Intrinsic Value Analysis — Undervalued or Overvalued?
PMC Fincorp median intrinsic value ₹2.82, current price ₹1.84 — Trading Below Calculated Value by 53.3%, margin of safety 34.8%.
What is the intrinsic value of PMCFIN?
Based on our comprehensive analysis using 7 different valuation methods, the estimated intrinsic value of PMC Fincorp (PMCFIN) is ₹2.82 (median value). With the current market price of ₹1.84, this represents a +53.3% variance from our estimated fair value.
The valuation range spans from ₹0.64 to ₹5.52, indicating ₹0.64 - ₹5.52.
Is PMCFIN undervalued or overvalued?
Based on our multi-method analysis, PMC Fincorp (PMCFIN) appears to be trading below calculated value by approximately 53.3%.
PMCFIN Financial Health — Key Ratios vs Industry Benchmarks
PMC Fincorp 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 |
|---|---|---|---|---|
| Return on Equity | 3.2% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 50.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.11x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
PMCFIN Cash Flow Quality — Operating & Free Cash Flow
PMC Fincorp 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 | ₹-7 Cr | ₹-7 Cr | Negative Cash Flow | 3/10 |
| March 2025 | ₹-28 Cr | ₹-29 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹10 Cr | ₹10 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹-4 Cr | ₹-15 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-32 Cr | ₹-32 Cr | Negative Cash Flow | 3/10 |