ZF Commercial Intrinsic Value
ZF Commercial (ZFCVINDIA) median intrinsic value is ₹3830.40 from 10 valuation models (range ₹696–₹5802), vs current price ₹2320.60 — +65.1% upside (Trading Below Calculated Value), margin of safety 39.4%. For current market price and key ratios, visit ZFCVINDIA screener.
ZFCVINDIA Valuation Methods Summary — DCF, Graham Number & P/E
ZF Commercial intrinsic value across 10 models vs current price ₹2320.60 — upside/downside and value range per method. Analyse ZF Commercial ownership structure to track promoter, FII and institutional holdings.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹3702.72 | ₹2962.18 - ₹4443.26 | +59.6% | EPS: ₹308.56, Sector P/E: 12x |
| Book Value Method | asset | ₹3691.00 | ₹3321.90 - ₹4060.10 | +59.1% | Book Value/Share: ₹3691.00, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹3830.40 | ₹3447.36 - ₹4213.44 | +65.1% | Revenue/Share: ₹4788.00, P/S: 0.8x |
| EBITDA Multiple Method | earnings | ₹4641.20 | ₹4177.08 - ₹5105.32 | +100.0% | EBITDA: ₹928.00Cr, EV/EBITDA: 6x |
| Simple DCF (5Y) | dcf | ₹5801.50 | ₹4641.20 - ₹6961.80 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹1974.78 | ₹1777.30 - ₹2172.26 | -14.9% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹2542.53 | ₹2288.28 - ₹2796.78 | +9.6% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹4641.20 | ₹4177.08 - ₹5105.32 | +100.0% | ROE: 15.8%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹5062.13 | ₹4555.92 - ₹5568.34 | +118.1% | EPS: ₹308.56, BVPS: ₹3691.00 |
| Dividend Yield Method | dividend | ₹696.18 | ₹626.56 - ₹765.80 | -70.0% | DPS: ₹4.00, Target Yield: 3.5% |
ZFCVINDIA Intrinsic Value vs Market Price — All Valuation Models
ZF Commercial fair value range ₹696–₹5802 vs current market price ₹2320.60 across 10 valuation models. Read ZFCVINDIA dividend growth for the complete payout history and dividend yield track record.
ZFCVINDIA Intrinsic Value Analysis — Undervalued or Overvalued?
ZF Commercial median intrinsic value ₹3830.40, current price ₹2320.60 — Trading Below Calculated Value by 65.1%, margin of safety 39.4%.
What is the intrinsic value of ZFCVINDIA?
Based on our comprehensive analysis using 10 different valuation methods, the estimated intrinsic value of ZF Commercial (ZFCVINDIA) is ₹3830.40 (median value). With the current market price of ₹2320.60, this represents a +65.1% variance from our estimated fair value.
The valuation range spans from ₹696.18 to ₹5801.50, indicating ₹696.18 - ₹5801.50.
Is ZFCVINDIA undervalued or overvalued?
Based on our multi-method analysis, ZF Commercial (ZFCVINDIA) appears to be trading below calculated value by approximately 65.1%.
ZFCVINDIA Financial Health — Key Ratios vs Industry Benchmarks
ZF Commercial 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 | 45.96 | Industry Standard: 2.0+ | Above 2.0 | Measures short-term liquidity capacity |
| Return on Equity | 15.8% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 16.0% | Industry Standard: 20%+ | Above 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 1.08x | Industry Standard: 1.0x+ | Above 1.0x | Measures asset utilization efficiency |
ZFCVINDIA Cash Flow Quality — Operating & Free Cash Flow
ZF Commercial 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 2026 | ₹810 Cr | ₹462 Cr | Positive Free Cash Flow | 8/10 |
| March 2025 | ₹286 Cr | ₹173 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹193 Cr | ₹128 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹299 Cr | ₹164 Cr | Positive Free Cash Flow | 8/10 |
| March 2022 | ₹138 Cr | ₹50 Cr | Positive Free Cash Flow | 7/10 |