B2B verification and background-checking BPO for loan borrowers and insurance policyholders, operating across roughly 400 locations pan-India.
Price
Market Cap
Sector
Services
Rank
| Line item | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 | FY26 |
|---|---|---|---|---|---|---|---|---|
| LiabilitiesEquity Capital | 1 | 1 | 6 | 9 | 9 | 9 | 9 | 9 |
| Reserves | 6 | 6 | 2 | 8 | 9 | 11 | 11 | 21 |
| Borrowings | 2 | 3 | 2 | 3 | 5 | 4 | 4 | 4 |
| Other Liabilities | 3 | 7 | 9 | 7 | 3 | 5 | 7 | 10 |
| Total Liabilities | 12 | 17 | 19 | 26 | 26 | 29 | 31 | 43 |
| AssetsFixed Assets | 0 | 0 | 1 | 4 | 4 | 5 | 4 | 5 |
| CWIP | 4 | 7 | 7 | 8 | 8 | 6 | 6 | 5 |
| Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Assets | 8 | 10 | 10 | 14 | 14 | 19 | 22 | 33 |
| Total Assets | 12 | 17 | 19 | 26 | 26 | 29 | 31 | 43 |
| Line item | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|---|
| ActivitiesCash from Operating | 1 | 1 | 2 | -3 | -4 | -1 | 1 | -2 |
| Cash from Investing | -1 | -1 | -3 | -1 | -5 | 0 | 1 | -4 |
| Cash from Financing | 1 | 0 | 1 | 4 | 9 | 2 | -1 | 7 |
| SummaryCapital Expenditure | — | — | — | — | — | — | — | — |
| Free Cash Flow | -1 | -1 | -1 | -5 | -7 | -1 | 1 | -2 |
| 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 (22.9×) and current (30.0×) 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 23× exit, ₹113 only delivers your return if you pay ₹60. The price is currently baking in 23% growth.
EPS grows 10%/yr for 5 years, then fades to 6% over 2, exits at 23×.
| Year | Growth | EPS (₹) |
|---|---|---|
| FY27 | 10.0% | 4.13 |
| FY28 | 10.0% | 4.54 |
| FY29 | 10.0% | 4.99 |
| FY30 | 10.0% | 5.49 |
| FY31 | 10.0% | 6.04 |
| FY32 | 8.0% ·fade | 6.52 |
| FY33 | 6.0% ·fade | 6.91 |
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.