Laxmi India Finance Intrinsic Value

LAXMIINDIA • Financial Services
Current Stock Price
₹127.09
Primary Intrinsic Value
₹140.40
Market Cap
₹266.9 Cr
+10.5% Upside
Median Value
₹140.40
Value Range
₹38 - ₹254
Assessment
Trading Below Median Value
Safety Margin
9.5%

LAXMIINDIA Valuation Methods Summary

Method Type Intrinsic Value Range Upside/Downside Details
P/E Based Valuation earnings ₹140.40 ₹112.32 - ₹168.48 +10.5% EPS: ₹11.70, Sector P/E: 12x
Book Value Method asset ₹98.29 ₹88.46 - ₹108.12 -22.7% Book Value/Share: ₹122.86, P/B: 0.8x
Revenue Multiple Method revenue ₹134.76 ₹121.28 - ₹148.24 +6.0% Revenue/Share: ₹134.76, P/S: 1.0x
EBITDA Multiple Method earnings ₹254.18 ₹228.76 - ₹279.60 +100.0% EBITDA: ₹184.00Cr, EV/EBITDA: 5x
PEG Ratio Method growth ₹38.13 ₹34.32 - ₹41.94 -70.0% EPS Growth: 4.0%, Fair P/E: 3.2x
Growth Adjusted P/E growth ₹100.62 ₹90.56 - ₹110.68 -20.8% Revenue Growth: 15.0%, Adj P/E: 8.6x
ROE Based Valuation profitability ₹254.18 ₹228.76 - ₹279.60 +100.0% ROE: 15.5%, P/E Multiple: 14x
Graham Defensive Method conservative ₹179.84 ₹161.86 - ₹197.82 +41.5% EPS: ₹11.70, BVPS: ₹122.86
Method Types: Earnings Asset DCF Growth Dividend Conservative

Want to compare with current market value? Check LAXMIINDIA share price latest .

Valuation Comparison Chart

LAXMIINDIA Intrinsic Value Analysis

What is the intrinsic value of LAXMIINDIA?

Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Laxmi India Finance (LAXMIINDIA) is ₹140.40 (median value). With the current market price of ₹127.09, this represents a +10.5% variance from our estimated fair value.

The valuation range spans from ₹38.13 to ₹254.18, indicating ₹38.13 - ₹254.18.

Is LAXMIINDIA undervalued or overvalued?

Based on our multi-method analysis, Laxmi India Finance (LAXMIINDIA) appears to be trading below median value by approximately 10.5%.

Financial Health Analysis

Financial Metric Current Value Industry Benchmark Assessment Impact on Valuation
Current Ratio 0.21 Industry Standard: 2.0+ Below 1.5 Measures short-term liquidity capacity
Debt to Equity Ratio 5.48 Industry Standard: <0.5 Above 1.0 Indicates financial leverage level
Return on Equity 15.5% Industry Standard: 15%+ Above 15% Measures shareholder return efficiency
Operating Margin 65.0% Industry Standard: 20%+ Above 20% Indicates operational efficiency level
Asset Turnover Ratio 0.20x Industry Standard: 1.0x+ Below 0.5x Measures asset utilization efficiency

Cash Flow Quality Analysis

Period Operating Cash Flow Free Cash Flow Cash Flow Quality Sustainability Score
March 2025 ₹-311 Cr ₹-320 Cr Negative Cash Flow 3/10
March 2024 ₹-224 Cr ₹-228 Cr Negative Cash Flow 3/10
March 2023 ₹-169 Cr ₹-169 Cr Negative Cash Flow 3/10
March 2022 ₹-19 Cr ₹-29 Cr Negative Cash Flow 3/10
March 2021 ₹-5 Cr ₹-6 Cr Negative Cash Flow 3/10