FINO PAYMENTS BANK LTD Fair Value
FINOPB · Financial Services · Current price ₹140.44
| Method | Fair value | Status |
|---|---|---|
| Excess-return (book value) | ₹86 | 7% ROE fading to 13% over ~3 yrs, on ₹93 book |
| Relative P/E | ₹73 | EPS × 11.7 peer-median P/E |
| Graham floor | — | Not meaningful for financials |
| Analyst target | ₹300 | Street consensus 12-month target price |
Is FINO PAYMENTS BANK LTD undervalued?
DocStoX estimates the fair value of FINO PAYMENTS BANK LTD at ₹121 per share, versus the current market price of ₹140. That puts the stock about -14.2% above our fair-value estimate, which we read as "Fairly Valued". Our confidence in this estimate is low.
How this fair value is calculated
This estimate blends 3 independent methods: Excess-return (book value) (₹86), Relative P/E (₹73), Analyst target (₹300). We weight each by its reliability and skip any method whose inputs look untrustworthy — "no DCF beats a wrong DCF". This is the same deterministic engine that powers DocStoX stock pages; there is no guesswork or AI-generated number here.
Bear, base and bull scenarios
Our scenarios span ₹73 (bear) to ₹121 (base) to ₹300 (bull). A margin of safety means buying meaningfully below the base case — the wider the gap, the more room for error in the assumptions.
More on FINO PAYMENTS BANK LTD
DocStoX estimates are generated by a deterministic valuation engine from reported financials — for informational purposes only, not investment advice. Consult a SEBI-registered advisor before investing.