PMC Fincorp Intrinsic Value
PMC Fincorp (PMCFIN) median intrinsic value is ₹2.68 from 7 valuation models (range ₹1–₹5), vs current price ₹1.80 — +48.9% upside (Trading Below Calculated Value), margin of safety 32.8%. Analyse PMCFIN FII DII holdings to track promoter, FII and institutional holdings.
PMCFIN Valuation Methods Summary — DCF, Graham Number & P/E
PMC Fincorp intrinsic value across 7 models vs current price ₹1.80 — upside/downside and value range per method. Read PMCFIN dividend growth for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹1.08 | ₹0.86 - ₹1.30 | -40.0% | EPS: ₹0.09, Sector P/E: 12x |
| Book Value Method | asset | ₹4.50 | ₹4.05 - ₹4.95 | +150.0% | Book Value/Share: ₹26.20, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹2.68 | ₹2.41 - ₹2.95 | +48.9% | Revenue/Share: ₹2.68, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹3.60 | ₹3.24 - ₹3.96 | +100.0% | EBITDA: ₹12.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹1.44 | ₹1.30 - ₹1.58 | -20.0% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹0.77 | ₹0.69 - ₹0.85 | -57.2% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| Graham Defensive Method | conservative | ₹5.40 | ₹4.86 - ₹5.94 | +200.0% | EPS: ₹0.09, BVPS: ₹26.20 |
PMCFIN Intrinsic Value vs Market Price — All Valuation Models
PMC Fincorp fair value range ₹1–₹5 vs current market price ₹1.80 across 7 valuation models. For current market price and key ratios, visit PMC Fincorp share price today.
PMCFIN Intrinsic Value Analysis — Undervalued or Overvalued?
PMC Fincorp median intrinsic value ₹2.68, current price ₹1.80 — Trading Below Calculated Value by 48.9%, margin of safety 32.8%.
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 ₹2.68 (median value). With the current market price of ₹1.80, this represents a +48.9% variance from our estimated fair value.
The valuation range spans from ₹0.77 to ₹5.40, indicating ₹0.77 - ₹5.40.
Is PMCFIN undervalued or overvalued?
Based on our multi-method analysis, PMC Fincorp (PMCFIN) appears to be trading below calculated value by approximately 48.9%.
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 | 2.7% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 66.0% | 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 |
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 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 |
| March 2021 | ₹-3 Cr | ₹-3 Cr | Negative Cash Flow | 3/10 |