BFSI fintech platform provider — supply-chain finance, digital lending, transaction banking, fraud/risk and AI-driven workflow software sold to banks, SMEs and corporates.
Price
Market Cap
Sector
Information Technology
Rank
| Line item | FY22 | FY23 | FY24 | FY25 | FY26 | FY26 |
|---|---|---|---|---|---|---|
| LiabilitiesEquity Capital | 0 | 18 | 23 | 23 | 24 | 25 |
| Reserves | 9 | 25 | 99 | 132 | 492 | 227 |
| Borrowings | 4 | 1 | 7 | 28 | 111 | 48 |
| Other Liabilities | 3 | 7 | 13 | 15 | 225 | 64 |
| Total Liabilities | 16 | 51 | 141 | 198 | 852 | 364 |
| AssetsFixed Assets | 14 | 40 | 92 | 157 | 645 | 264 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 4 | 1 | 8 |
| Other Assets | 1 | 10 | 49 | 36 | 206 | 92 |
| Total Assets | 16 | 51 | 141 | 198 | 852 | 364 |
| Line item | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| ActivitiesCash from Operating | 0 | -1 | 6 | 11 | 77 |
| Cash from Investing | -6 | -24 | -43 | -52 | -162 |
| Cash from Financing | 6 | 25 | 68 | 17 | 79 |
| SummaryCapital Expenditure | — | — | — | — | — |
| Free Cash Flow | -6 | -25 | -38 | -37 | -30 |
| FCF Margin | — | — | — | — | — |
The Earnings Per Share over the last 12 months.
Your assumption of the company's expected yearly EPS growth (e.g., 6 for 6%).
Pre-filled with the lower of median (31.0×) and current (26.9×) PE — the conservative anchor.
The annualized return you aim to achieve. We solve for the price that delivers it, then compare to today's price.
At 10% growth and a 27× exit, ₹314 only delivers your return if you pay ₹218. The price is currently baking in 18% growth.
EPS grows 10%/yr for 5 years, then fades to 6% over 2, exits at 27×.
| Year | Growth | EPS (₹) |
|---|---|---|
| FY27 | 10.0% | 12.83 |
| FY28 | 10.0% | 14.11 |
| FY29 | 10.0% | 15.52 |
| FY30 | 10.0% | 17.07 |
| FY31 | 10.0% | 18.78 |
| FY32 | 8.0% ·fade | 20.28 |
| FY33 | 6.0% ·fade | 21.50 |
Methodology: we discount normalized net profit as a proxy for owner earnings (an earnings-power approximation — not full free cash flow). Terminal growth is capped at 6% (≈ nominal GDP) regardless of the required return. This is an analytical tool, not investment advice.
Guides on how to read this kind of business and the numbers that matter.