Max Financial Services Intrinsic Value
MFSL • Insurance
Current Stock Price
₹1490.70
Primary Intrinsic Value
₹447.21
Market Cap
₹102.9K Cr
-60.0%
Downside
Median Value
₹596.28
Value Range
₹447 - ₹3727
Assessment
Trading Above Calculated Value
Safety Margin
-100.0%
MFSL Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹447.21 | ₹357.77 - ₹536.65 | -70.0% | EPS: ₹0.48, Sector P/E: 12x |
| Book Value Method | asset | ₹927.97 | ₹835.17 - ₹1020.77 | -37.7% | Book Value/Share: ₹927.97, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹2981.40 | ₹2683.26 - ₹3279.54 | +100.0% | Revenue/Share: ₹5680.58, P/S: 0.8x |
| EBITDA Multiple Method | earnings | ₹596.28 | ₹536.65 - ₹655.91 | -60.0% | EBITDA: ₹112.00Cr, EV/EBITDA: 6x |
| Simple DCF (5Y) | dcf | ₹3726.75 | ₹2981.40 - ₹4472.10 | +150.0% | CF Growth: 4.9%, Discount: 15% |
| PEG Ratio Method | growth | ₹447.21 | ₹402.49 - ₹491.93 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹447.21 | ₹402.49 - ₹491.93 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| Graham Defensive Method | conservative | ₹447.21 | ₹402.49 - ₹491.93 | -70.0% | EPS: ₹0.48, BVPS: ₹927.97 |
Method Types:
Earnings
Asset
DCF
Growth
Dividend
Conservative
Valuation Comparison Chart
MFSL Intrinsic Value Analysis
What is the intrinsic value of MFSL?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Max Financial Services (MFSL) is ₹596.28 (median value). With the current market price of ₹1490.70, this represents a -60.0% variance from our estimated fair value.
The valuation range spans from ₹447.21 to ₹3726.75, indicating ₹447.21 - ₹3726.75.
Is MFSL undervalued or overvalued?
Based on our multi-method analysis, Max Financial Services (MFSL) appears to be trading above calculated value by approximately 60.0%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 9.20 | Industry Standard: 2.0+ | Above 2.0 | Measures short-term liquidity capacity |
| Return on Equity | 0.4% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Asset Turnover Ratio | 0.21x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Max Financial Services
Additional stock information and data for MFSL
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹8,352 Cr | ₹3,501 Cr | Positive Free Cash Flow | 7/10 |
| March 2024 | ₹6,104 Cr | ₹3,604 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹9,922 Cr | ₹4,145 Cr | Positive Free Cash Flow | 7/10 |
| March 2022 | ₹8,496 Cr | ₹4,079 Cr | Positive Free Cash Flow | 7/10 |
| March 2021 | ₹6,892 Cr | ₹3,466 Cr | Positive Free Cash Flow | 8/10 |