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Intrinsic value · Buy/Sell verdict · scores — free· 1088 Nifty 500 stocks· EOD 2026-06-16

CARE Ratings Limited

CARERATING · NSE · Financial Services

₹1,640.1
-11.20 (-0.68%)
Our verdictOvervalued
Hold45/100
Quality92
Valuation15
Momentum70
Financial trend74
Intrinsic value
Our fair value
₹1,095.78
Overvalued by 33%
Price ₹1,640.1Range ₹820.05₹1,415.6

With a 20% margin of safety, our buy-below price is ₹876.62.

A
Financial health 96/100
From profitability & returns (bank/NBFC)

Piotroski F-score 4/9 — quality of earnings & balance sheet.

Investability checklist

Passed 9 of 12 checks75/100
  • ROE above 15%19.8%
  • Low debt (D/E < 0.5)0.03x
  • Positive free cash flow
  • Revenue growth > 10%19%
  • Earnings growing24%
  • Net margin ≥ 10%36.2%
  • Current ratio > 1.55.75
  • Below our fair value
  • Margin of safety ≥ 20%
  • Above 200-day average
  • Above 50-day average
  • Positive 1-year return
  • Altman Z in safe zone
  • Piotroski ≥ 74/9

1-year price

EOD · 2026-06-16
1W
+0.9%
1M
-5.1%
3M
+3.8%
6M
+6.7%
1Y

Our scores

Durability92
Valuation29
Momentum70

Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.

Quarterly results

2Q2021
₹42 Cr26%
3Q2021
₹76 Cr35%
4Q2021
₹56 Cr26%
1Q2022
₹66 Cr35%
Revenue Net profitRevenue 4-period change +58%

Annual financials

2023
₹286 Cr31%
2024
₹332 Cr30%
2025
₹402 Cr34%
2026
₹473 Cr36%
Revenue Net profitRevenue 4-period change +65%

Shareholding

Promoter17.0%
Institutions37.7%
Public & other45.3%

Promoter holding via insider stake; institutional via reported holdings.

Analyst views

1 analysts1 buy · 0 hold · 0 sell
12-month consensus target₹2,130+30%
Low ₹2,130High ₹2,130

Key fundamentals

Market cap
₹4,930 Cr
P/E ratio
28.9
P/B ratio
5.29
EPS (TTM)
₹56.8
ROE
19.8%
Debt / Equity
0.03x
Profit margin
36.2%
Free cash flow
₹132 Cr
52-week high
₹1,908.42
-14.06% from high
52-week low
₹1,412.5
Dividend yield
1.3%
Beta
0.33

SWOT snapshot

Strengths

  • Strong return on equity (19.8%).
  • Lightly leveraged balance sheet.
  • Healthy profit margin (36.2%).

Opportunities

  • Earnings growing (24% YoY).
  • Revenue growing (19% YoY).

Threats

  • Rich valuation versus sector peers.
  • Trades ~33% above our estimated fair value.

About CARE Ratings Limited

CARE Ratings Limited, a credit rating agency, provides various rating and related services in India and internationally. It offers rating services for bank loan, debt instrument, bonds, long term instruments, non-convertible debentures, preference shares, fixed deposits, short term instruments NCDs, and commercial papers; principal protected market linked debentures, subordinate debt, CDs for banks, perpetual bonds, mutual funds, and hybrid instruments; structured finance rat

More in Financial Services

Our verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.