Saraswati Commercial Intrinsic Value

ZSARACOM • Financial Services
Current Stock Price
₹13062.35
Primary Intrinsic Value
₹29535.36
Market Cap
₹1306 Cr
+20.6% Upside
Median Value
₹15752.19
Value Range
₹3919 - ₹29535
Assessment
Trading Below Calculated Value
Safety Margin
17.1%

ZSARACOM Valuation Methods Summary

Method Type Intrinsic Value Range Upside/Downside Details
P/E Based Valuation earnings ₹29535.36 ₹23628.29 - ₹35442.43 +126.1% EPS: ₹2461.28, Sector P/E: 12x
Book Value Method asset ₹7784.00 ₹7005.60 - ₹8562.40 -40.4% Book Value/Share: ₹9730.00, P/B: 0.8x
Revenue Multiple Method revenue ₹3918.70 ₹3526.83 - ₹4310.57 -70.0% Revenue/Share: ₹2920.00, P/S: 1.0x
EBITDA Multiple Method earnings ₹13527.00 ₹12174.30 - ₹14879.70 +3.6% EBITDA: ₹292.00Cr, EV/EBITDA: 5x
Simple DCF (5Y) dcf ₹5224.94 ₹4179.95 - ₹6269.93 -60.0% CF Growth: 5.0%, Discount: 15%
PEG Ratio Method growth ₹15752.19 ₹14176.97 - ₹17327.41 +20.6% EPS Growth: 8.0%, Fair P/E: 6.4x
Growth Adjusted P/E growth ₹20280.95 ₹18252.85 - ₹22309.05 +55.3% Revenue Growth: 6.0%, Adj P/E: 8.2x
ROE Based Valuation profitability ₹26124.70 ₹23512.23 - ₹28737.17 +100.0% ROE: 24.7%, P/E Multiple: 16x
Graham Defensive Method conservative ₹19460.00 ₹17514.00 - ₹21406.00 +49.0% EPS: ₹2461.28, BVPS: ₹9730.00
Method Types: Earnings Asset DCF Growth Dividend Conservative

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Valuation Comparison Chart

ZSARACOM Intrinsic Value Analysis

What is the intrinsic value of ZSARACOM?

Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Saraswati Commercial (ZSARACOM) is ₹15752.19 (median value). With the current market price of ₹13062.35, this represents a +20.6% variance from our estimated fair value.

The valuation range spans from ₹3918.70 to ₹29535.36, indicating ₹3918.70 - ₹29535.36.

Is ZSARACOM undervalued or overvalued?

Based on our multi-method analysis, Saraswati Commercial (ZSARACOM) appears to be trading below calculated value by approximately 20.6%.

Financial Health Analysis

Financial Metric Current Value Industry Benchmark Assessment Impact on Valuation
Current Ratio 0.18 Industry Standard: 2.0+ Below 1.5 Measures short-term liquidity capacity
Debt to Equity Ratio 1.14 Industry Standard: <0.5 Above 1.0 Indicates financial leverage level
Return on Equity 24.7% Industry Standard: 15%+ Above 15% Measures shareholder return efficiency
Operating Margin 99.0% Industry Standard: 20%+ Above 20% Indicates operational efficiency level
Asset Turnover Ratio 0.26x 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 ₹9 Cr ₹-45 Cr Positive Operating Cash Flow 6/10
March 2024 ₹33 Cr ₹30 Cr Positive Free Cash Flow 8/10
March 2023 ₹27 Cr ₹16 Cr Positive Free Cash Flow 8/10
March 2022 ₹50 Cr ₹10 Cr Positive Free Cash Flow 7/10
March 2021 ₹-5 Cr ₹-5 Cr Negative Cash Flow 3/10