PMC Fincorp Intrinsic Value
PMC Fincorp (PMCFIN) median intrinsic value is ₹3.20 from 9 valuation models (range ₹1–₹6), vs current price ₹2.05 — +56.1% upside (Trading Below Calculated Value), margin of safety 35.9%. For current market price and key ratios, visit PMCFIN stock live price.
PMCFIN Valuation Methods Summary — DCF, Graham Number & P/E
PMC Fincorp intrinsic value across 9 models vs current price ₹2.05 — upside/downside and value range per method. Browse PMCFIN financial statements for revenue, profit, balance sheet and cash flow data.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹2.40 | ₹1.92 - ₹2.88 | +17.1% | EPS: ₹0.20, Sector P/E: 12x |
| Book Value Method | asset | ₹5.12 | ₹4.61 - ₹5.63 | +149.8% | Book Value/Share: ₹23.80, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹2.82 | ₹2.54 - ₹3.10 | +37.6% | Revenue/Share: ₹2.82, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹4.10 | ₹3.69 - ₹4.51 | +100.0% | EBITDA: ₹17.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹3.20 | ₹2.88 - ₹3.52 | +56.1% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹1.72 | ₹1.55 - ₹1.89 | -16.1% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹4.10 | ₹3.69 - ₹4.51 | +100.0% | ROE: 6.5%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹6.15 | ₹5.54 - ₹6.77 | +200.0% | EPS: ₹0.20, BVPS: ₹23.80 |
| Dividend Yield Method | dividend | ₹0.61 | ₹0.55 - ₹0.67 | -70.2% | DPS: ₹0.01, Target Yield: 4.0% |
PMCFIN Intrinsic Value vs Market Price — All Valuation Models
PMC Fincorp fair value range ₹1–₹6 vs current market price ₹2.05 across 9 valuation models. Compare with PMC Fincorp value estimation to assess whether the stock is under or overvalued.
PMCFIN Intrinsic Value Analysis — Undervalued or Overvalued?
PMC Fincorp median intrinsic value ₹3.20, current price ₹2.05 — Trading Below Calculated Value by 56.1%, margin of safety 35.9%.
What is the intrinsic value of PMCFIN?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of PMC Fincorp (PMCFIN) is ₹3.20 (median value). With the current market price of ₹2.05, this represents a +56.1% variance from our estimated fair value.
The valuation range spans from ₹0.61 to ₹6.15, indicating ₹0.61 - ₹6.15.
Is PMCFIN undervalued or overvalued?
Based on our multi-method analysis, PMC Fincorp (PMCFIN) appears to be trading below calculated value by approximately 56.1%.
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 |
|---|---|---|---|---|
| Debt to Equity Ratio | 1.30 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 6.5% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 83.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.09x | 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 |