AI-first global FinTech product company building composable banking, wealth and insurance software platforms.
Price
Market Cap
Sector
Information Technology
Rank
| Line item | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 | FY26 |
|---|---|---|---|---|---|---|---|---|
| LiabilitiesEquity Capital | 66 | 66 | 67 | 68 | 68 | 69 | 70 | 70 |
| Reserves | 979 | 1.3k | 1.7k | 2.0k | 2.4k | 2.7k | 2.9k | 3.1k |
| Borrowings | 300 | 82 | 20 | 27 | 44 | 72 | 90 | 159 |
| Other Liabilities | 525 | 567 | 764 | 802 | 895 | 985 | 1.0k | 1.2k |
| Total Liabilities | 1.9k | 2.0k | 2.6k | 2.9k | 3.4k | 3.8k | 4.1k | 4.5k |
| AssetsFixed Assets | 368 | 397 | 435 | 494 | 558 | 727 | 1.1k | 894 |
| CWIP | 312 | 349 | 344 | 370 | 374 | 307 | 1 | 298 |
| Investments | 77 | 146 | 416 | 365 | 449 | 538 | 384 | 635 |
| Other Assets | 1.1k | 1.1k | 1.4k | 1.7k | 2.0k | 2.3k | 2.6k | 2.7k |
| Total Assets | 1.9k | 2.0k | 2.6k | 2.9k | 3.4k | 3.8k | 4.1k | 4.5k |
| Line item | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|---|
| ActivitiesCash from Operating | -50 | 44 | 463 | 453 | 174 | 410 | 431 | 510 |
| Cash from Investing | 1 | -99 | -193 | -399 | -177 | -255 | -244 | -269 |
| Cash from Financing | 63 | 80 | -225 | -52 | -50 | -49 | -63 | -113 |
| SummaryCapital Expenditure | — | — | — | — | — | — | — | — |
| Free Cash Flow | -130 | -81 | 350 | 334 | 9 | 237 | 260 | 291 |
| 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 (33.7×) and current (30.1×) 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 8.4% growth and a 30× exit, ₹747 only delivers your return if you pay ₹476. The price is currently baking in 18% growth.
EPS grows 8.4%/yr for 5 years, then fades to 6% over 2, exits at 30×.
| Year | Growth | EPS (₹) |
|---|---|---|
| FY27 | 8.4% | 26.88 |
| FY28 | 8.4% | 29.14 |
| FY29 | 8.4% | 31.59 |
| FY30 | 8.4% | 34.24 |
| FY31 | 8.4% | 37.12 |
| FY32 | 7.2% ·fade | 39.79 |
| FY33 | 6.0% ·fade | 42.18 |
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.