STEL Holdings Intrinsic Value

STEL • Financial Services
Current Stock Price
₹490.65
Primary Intrinsic Value
₹172.80
Market Cap
₹932.2 Cr
-64.8% Downside
Median Value
₹172.80
Value Range
₹147 - ₹738
Assessment
Trading Above Calculated Value
Safety Margin
-100.0%

STEL Valuation Methods Summary

Method Type Intrinsic Value Range Upside/Downside Details
P/E Based Valuation earnings ₹172.80 ₹138.24 - ₹207.36 -64.8% EPS: ₹14.40, Sector P/E: 12x
Book Value Method asset ₹738.11 ₹664.30 - ₹811.92 +50.4% Book Value/Share: ₹922.63, P/B: 0.8x
Revenue Multiple Method revenue ₹147.19 ₹132.47 - ₹161.91 -70.0% Revenue/Share: ₹18.95, P/S: 1.0x
Simple DCF (5Y) dcf ₹307.41 ₹245.93 - ₹368.89 -37.3% CF Growth: 15.0%, Discount: 15%
PEG Ratio Method growth ₹147.19 ₹132.47 - ₹161.91 -70.0% EPS Growth: 8.0%, Fair P/E: 6.4x
Growth Adjusted P/E growth ₹147.19 ₹132.47 - ₹161.91 -70.0% Revenue Growth: 6.0%, Adj P/E: 8.2x
Graham Defensive Method conservative ₹546.75 ₹492.07 - ₹601.43 +11.4% EPS: ₹14.40, BVPS: ₹922.63
Method Types: Earnings Asset DCF Growth Dividend Conservative

Want to compare with current market value? Check STEL share price latest .

Valuation Comparison Chart

STEL Intrinsic Value Analysis

What is the intrinsic value of STEL?

Based on our comprehensive analysis using 7 different valuation methods, the estimated intrinsic value of STEL Holdings (STEL) is ₹172.80 (median value). With the current market price of ₹490.65, this represents a -64.8% variance from our estimated fair value.

The valuation range spans from ₹147.19 to ₹738.11, indicating ₹147.19 - ₹738.11.

Is STEL undervalued or overvalued?

Based on our multi-method analysis, STEL Holdings (STEL) appears to be trading above calculated value by approximately 64.8%.

Financial Health Analysis

Financial Metric Current Value Industry Benchmark Assessment Impact on Valuation
Current Ratio 0.21 Industry Standard: 2.0+ Below 1.5 Measures short-term liquidity capacity
Debt to Equity Ratio 1.09 Industry Standard: <0.5 Above 1.0 Indicates financial leverage level
Return on Equity 1.6% Industry Standard: 15%+ Below 10% Measures shareholder return efficiency
Operating Margin 98.0% Industry Standard: 20%+ Above 20% Indicates operational efficiency level
Asset Turnover Ratio 0.02x 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 ₹43 Cr ₹22 Cr Positive Free Cash Flow 7/10
March 2024 ₹12 Cr ₹6 Cr Positive Free Cash Flow 7/10
March 2023 ₹14 Cr ₹7 Cr Positive Free Cash Flow 7/10
March 2022 ₹15 Cr ₹-26 Cr Positive Operating Cash Flow 6/10
March 2021 ₹-10 Cr ₹-10 Cr Negative Cash Flow 3/10