SG Finserv Intrinsic Value
SG Finserv (SGFIN) median intrinsic value is ₹273.00 from 8 valuation models (range ₹171–₹364), vs current price ₹570.35 — -52.1% 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 ₹570.35 — upside/downside and value range per method. Also explore SG Finserv stock price data download to track price trends across different timeframes.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹273.00 | ₹218.40 - ₹327.60 | -52.1% | EPS: ₹22.75, Sector P/E: 12x |
| Book Value Method | asset | ₹179.69 | ₹161.72 - ₹197.66 | -68.5% | Book Value/Share: ₹224.62, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹171.10 | ₹153.99 - ₹188.21 | -70.0% | Revenue/Share: ₹51.23, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹235.38 | ₹211.84 - ₹258.92 | -58.7% | EBITDA: ₹306.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹364.00 | ₹327.60 - ₹400.40 | -36.2% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹195.65 | ₹176.09 - ₹215.22 | -65.7% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹285.18 | ₹256.66 - ₹313.70 | -50.0% | ROE: 8.8%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹339.08 | ₹305.17 - ₹372.99 | -40.5% | EPS: ₹22.75, BVPS: ₹224.62 |
SGFIN Intrinsic Value vs Market Price — All Valuation Models
SG Finserv fair value range ₹171–₹364 vs current market price ₹570.35 across 8 valuation models. Browse SG Finserv annual reports for revenue, profit, balance sheet and cash flow data.
SGFIN Intrinsic Value Analysis — Undervalued or Overvalued?
SG Finserv median intrinsic value ₹273.00, current price ₹570.35 — Trading Above Calculated Value by 52.1%, 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 ₹273.00 (median value). With the current market price of ₹570.35, this represents a -52.1% variance from our estimated fair value.
The valuation range spans from ₹171.10 to ₹364.00, indicating ₹171.10 - ₹364.00.
Is SGFIN undervalued or overvalued?
Based on our multi-method analysis, SG Finserv (SGFIN) appears to be trading above calculated value by approximately 52.1%.
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 | 0.09 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 8.8% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 92.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.08x | 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 2025 | ₹-489 Cr | ₹-518 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 |
| March 2021 | ₹0 Cr | ₹0 Cr | Negative Cash Flow | 3/10 |