Builds FinnOne/FinnOne Neo lending and transaction-banking software licensed to banks and NBFCs worldwide.
Price
Market Cap
Sector
Information Technology
Rank
| Line item | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 | FY26 |
|---|---|---|---|---|---|---|---|---|
| LiabilitiesEquity Capital | 29 | 29 | 27 | 27 | 27 | 26 | 26 | 26 |
| Reserves | 532 | 643 | 467 | 584 | 751 | 788 | 822 | 881 |
| Borrowings | 6 | 6 | 2 | 6 | 5 | 2 | 8 | 9 |
| Other Liabilities | 196 | 206 | 241 | 257 | 332 | 337 | 373 | 350 |
| Total Liabilities | 763 | 885 | 737 | 874 | 1.1k | 1.2k | 1.2k | 1.3k |
| AssetsFixed Assets | 57 | 50 | 59 | 50 | 59 | 61 | 77 | 89 |
| CWIP | 0 | 1 | 0 | 1 | 1 | 0 | 0 | 0 |
| Investments | 475 | 635 | 480 | 525 | 649 | 641 | 676 | 644 |
| Other Assets | 231 | 200 | 198 | 298 | 406 | 451 | 477 | 533 |
| Total Assets | 763 | 885 | 737 | 874 | 1.1k | 1.2k | 1.2k | 1.3k |
| Line item | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|---|
| ActivitiesCash from Operating | 56 | 75 | 115 | 58 | 50 | 222 | 151 | 117 |
| Cash from Investing | -28 | -28 | -126 | 159 | -12 | -197 | -20 | -51 |
| Cash from Financing | -26 | -34 | -13 | -213 | -23 | -30 | -126 | -36 |
| SummaryCapital Expenditure | — | — | — | — | — | — | — | — |
| Free Cash Flow | 48 | 62 | 112 | 34 | 47 | 194 | 136 | 89 |
| 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 (16.6×) and current (17.7×) 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 -3% growth and a 17× exit, ₹785 only delivers your return if you pay ₹262. The price is currently baking in 18% growth.
EPS grows -3%/yr for 5 years, then fades to 6% over 2, exits at 17×.
| Year | Growth | EPS (₹) |
|---|---|---|
| FY27 | -3.0% | 43.01 |
| FY28 | -3.0% | 41.72 |
| FY29 | -3.0% | 40.47 |
| FY30 | -3.0% | 39.25 |
| FY31 | -3.0% | 38.08 |
| FY32 | 1.5% ·fade | 38.65 |
| FY33 | 6.0% ·fade | 40.97 |
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.