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Last Updated: April 2, 2026, 3:25 am
Author: Getaka|Social: XLinkedIn

Consolidated Finvest & Holdings Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹319.93Undervalued by 55.31%vs CMP ₹206.00

P/E (10.5) × ROE (11.8%) × BV (₹321.00) × DY (0.55%)

₹453.88Undervalued by 120.33%vs CMP ₹206.00
MoS: +54.6% (Strong)Confidence: 50/100 (Moderate)Models: 5 Under, 1 Fair, 1 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹808.1327%Under (+292.3%)
Graham NumberEarnings₹375.6720%Under (+82.4%)
Earnings PowerEarnings₹340.3213%Under (+65.2%)
DCFCash Flow₹478.8113%Under (+132.4%)
Net Asset ValueAssets₹321.559%Under (+56.1%)
Earnings YieldEarnings₹195.409%Fair (-5.1%)
ROCE CapitalReturns₹46.629%Over (-77.4%)
Consensus (7 models)₹453.88100%Undervalued
Key Drivers: EPS CAGR 152.6% lifts DCF — verify sustainability. | Wide model spread (₹47–₹808) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 152.6%

*Investments are subject to market risks

Investment Snapshot

55
Consolidated Finvest & Holdings Ltd scores 55/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health61/100 · Moderate
ROCE 7.7% WeakROE 11.8% AverageD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money50/100 · Moderate
FII holding stable No changePromoter holding at 74.9% Stable
Earnings Quality60/100 · Moderate
Working capital: 6 days (improving) Efficient
Quarterly Momentum40/100 · Moderate
Profit (4Q): -37% YoY Declining
Industry Rank55/100 · Moderate
P/E 10.5 vs industry 98.5 Cheaper than peersROCE 7.7% vs industry 21.7% Below peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Consolidated Finvest & Holdings Ltd Investor Signals

Computed from valuation, cash flow, balance sheet, ownership and quarterly trend data already available in this stock page.

Value Trap Score
50/100
Moderate
Derived from: Cheapness + weak quality + weak cash support
Current data: P/E 10.5 vs Ind 98.5 | ROCE 7.7% | ROE 11.8% | CFO/NP N/A
Balance Sheet Stress
0/100
Comfortable
Derived from: Leverage + debt servicing + liquidity + debt trend
Current data: D/E 0.00x | IntCov 0.0x | Current 7.14x | Borrow/Reserve 0.00x
Cash Flow Reliability
43/100
Mixed
Derived from: Cash backing of earnings + working capital pressure
Current data: CFO ₹0 Cr | NP ₹108 Cr | CFO/NP N/A
Ownership Accumulation
+25
Neutral
Derived from: FII + DII + promoter direction, adjusted by crowding
Current data: FII +0.02 pp | DII 0.00 pp | Prom 0.00 pp
Business Momentum
-30
Watch closely
Derived from: Latest quarter sales + profit + OPM change
Current data: Q Sales N/A | Q NP -25.0% | Q OPM N/A
Derived FieldValueHow it is derived
Valuation Gap %+120.3%((Fair Value - CMP) / CMP) × 100
Borrowings / Reserves0.00xLatest borrowings divided by latest reserves
CFO / Net ProfitN/ALatest operating cash flow divided by latest net profit
FII Change+0.02 ppLatest FII% minus previous FII%
DII Change0.00 ppLatest DII% minus previous DII%
Promoter Change0.00 ppLatest promoter% minus previous promoter%
Shareholder Count Change-398Latest shareholder count minus previous count
Quarterly Sales ChangeN/ALatest quarter sales vs previous quarter sales
Quarterly Profit Change-25.0%Latest quarter net profit vs previous quarter net profit
Quarterly OPM ChangeN/ALatest quarter OPM minus previous quarter OPM

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 3:25 am

Market Cap 665 Cr.
Current Price 206
Intrinsic Value₹453.88
High / Low 246/152
Stock P/E10.5
Book Value 321
Dividend Yield0.55 %
ROCE7.72 %
ROE11.8 %
Face Value 10.0
PEG Ratio0.07

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for Consolidated Finvest & Holdings Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Consolidated Finvest & Holdings Ltd 665 Cr. 206 246/15210.5 3210.55 %7.72 %11.8 % 10.0
VLS Finance Ltd 679 Cr. 216 340/19212.0 7790.69 %2.15 %1.70 % 10.0
STEL Holdings Ltd 799 Cr. 433 635/34227.0 1,0050.00 %1.30 %0.97 % 10.0
Emkay Global Financial Services Ltd 514 Cr. 196 410/17328.5 1160.76 %20.4 %20.9 % 10.0
PTL Enterprises Ltd 497 Cr. 37.6 47.8/35.311.9 67.64.66 %7.29 %4.29 % 1.00
Industry Average6,725.79 Cr1,029.6498.514,364.490.43%21.71%14.20%7.23

All Competitor Stocks of Consolidated Finvest & Holdings Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue3403141414614171420151813
Interest 0000000000000
Expenses 0600100400000
Financing Profit3397141313614131420151813
Financing Margin %97%98%98%98%93%98%99%79%99%99%99%99%99%
Other Income 8300043032010
Depreciation 0000000000000
Profit before tax 114001414131018141722151913
Tax % 10%24%24%27%27%-58%-31%-245%11%-2%15%17%11%
Net Profit 103041010101623471523131612
EPS in Rs 3.0593.963.193.073.055.047.0914.574.707.083.914.853.70
Gross NPA %
Net NPA %

Last Updated: March 3, 2026, 4:16 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 25, 2026, 5:46 am

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue324865891112417506667
Interest 0000000000000
Expenses 1118171097111
Financing Profit2147-1318113411496566
Financing Margin %73%65%98%-17%70%15%93%96%22%98%98%99%99%
Other Income -0001-10-60-00-0264
Depreciation 0000000000000
Profit before tax 2247-0-7-58113411517170
Tax % 266%7%3%14,550%24%28%30%20%77%24%9%-53%
Net Profit -4146-3-9-76913134610863
EPS in Rs -1.150.4614.16-0.91-2.72-2.031.742.650.1996.6914.3533.4519.54
Dividend Payout % 0%0%0%0%0%0%0%0%0%0%0%0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)125.00%4500.00%-106.52%-200.00%22.22%185.71%50.00%-88.89%31200.00%-85.30%134.78%
Change in YoY Net Profit Growth (%)0.00%4375.00%-4606.52%-93.48%222.22%163.49%-135.71%-138.89%31288.89%-31285.30%220.09%

Consolidated Finvest & Holdings Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:41%
5 Years:50%
3 Years:75%
TTM:36%
Compounded Profit Growth
10 Years:56%
5 Years:81%
3 Years:462%
TTM:66%
Stock Price CAGR
10 Years:13%
5 Years:41%
3 Years:11%
1 Year:-14%
Return on Equity
10 Years:13%
5 Years:15%
3 Years:20%
Last Year:12%

Last Updated: September 5, 2025, 11:50 am

Balance Sheet

Last Updated: February 1, 2026, 1:09 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 32323232323232323232323232
Reserves 3163183633603523193253344707117769951,006
Borrowing0000000000000
Other Liabilities 42992834351161199699
Total Liabilities 3533524054023863603613705388609271,1241,137
Fixed Assets 4432111111111
CWIP 0000000000000
Investments 3323393243063533273323465248539221,1191,130
Other Assets 1710789331322823126446
Total Assets 3533524054023863603613705388609271,1241,137

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + 44-2-66-20577512-781410
Cash from Investing Activity + -4316720-57-8-5-127-8-14-10
Cash from Financing Activity + 0000000000-00
Net Cash Flow 0-10-00-00-0-0-0-00
Free Cash Flow 440-66-1859-0512-781410
CFO/OP 1,873%-83%-123%1,835%1,746%591%65%116%-234%2%28%16%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow1.001.001.008.001.007.001.000.009.007.001.001.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days 000000000000
Inventory Days
Days Payable
Cash Conversion Cycle 000000000000
Working Capital Days 935291722,215544102299219217176
ROCE %1%0%13%-0%1%1%2%3%1%66%7%8%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 74.41%74.41%74.89%74.89%74.89%74.89%74.89%74.89%74.89%74.89%74.89%74.89%
FIIs 4.29%3.58%3.60%2.53%2.96%3.37%3.60%4.05%4.29%4.15%4.16%4.18%
DIIs 0.02%0.02%0.02%0.02%0.02%0.02%0.02%0.02%0.02%0.02%0.02%0.02%
Public 21.28%21.99%21.49%22.56%22.13%21.72%21.50%21.04%20.81%20.94%20.94%20.91%
No. of Shareholders 13,28714,22014,37118,59719,28520,24320,16119,74619,50219,28819,11418,716

Shareholding Pattern Chart

No. of Shareholders

Consolidated Finvest & Holdings Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

This stock is not held by any mutual fund.

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 21Mar 20Mar 19Mar 18Mar 17
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) 131.5437.74-51.250.4821.40
Diluted EPS (Rs.) 131.5437.74-51.250.4821.40
Cash EPS (Rs.) 62.09-0.85-19.63-13.285.30
Book Value[Excl.RevalReserv]/Share (Rs.) 459.86346.90390.37444.48444.89
Book Value[Incl.RevalReserv]/Share (Rs.) 459.86346.90390.37444.48444.89
Revenue From Operations / Share (Rs.) 6.774.560.451.462.17
PBDIT / Share (Rs.) 64.616.501.042.237.87
PBIT / Share (Rs.) 64.606.491.042.227.78
PBT / Share (Rs.) 64.600.69-19.24-12.617.81
Net Profit / Share (Rs.) 62.08-0.86-19.64-13.295.21
NP After MI And SOA / Share (Rs.) 131.5437.81-51.250.4821.40
PBDIT Margin (%) 954.87142.39227.92152.57361.98
PBIT Margin (%) 954.79142.26226.15151.98357.72
PBT Margin (%) 954.7915.15-4193.86-862.77359.25
Net Profit Margin (%) 917.58-18.88-4281.19-909.85239.44
NP After MI And SOA Margin (%) 1944.08828.21-11171.1032.98984.33
Return on Networth / Equity (%) 29.5711.21-13.490.114.95
Return on Capital Employeed (%) 13.981.860.260.491.74
Return On Assets (%) 28.4610.85-12.970.104.75
Asset Turnover Ratio (%) 0.010.010.000.000.01
Current Ratio (X) 2628.041982.578.829.527.14
Quick Ratio (X) 2628.041982.578.829.527.14
Interest Coverage Ratio (X) 0.000.000.000.00126.43
Interest Coverage Ratio (Post Tax) (X) 0.000.000.000.0083.20
Enterprise Value (Cr.) 97.0894.34147.74151.42155.17
EV / Net Operating Revenue (X) 4.446.3999.6232.0622.08
EV / EBITDA (X) 0.464.4943.7021.016.10
MarketCap / Net Operating Revenue (X) 5.157.6375.9623.8516.03
Price / BV (X) 0.070.100.090.080.08
Price / Net Operating Revenue (X) 5.157.6476.0923.8516.03
EarningsYield 3.771.08-1.470.010.61

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Consolidated Finvest & Holdings Ltd. is a Public Limited Listed company incorporated on 15/07/1993 and has its registered office in the State of Uttar Pradesh, India. Company's Corporate Identification Number(CIN) is L33200UP1993PLC015474 and registration number is 015474. Currently Company is involved in the business activities of Other financial service activities, except insurance and pension funding activities. Company's Total Operating Revenue is Rs. 67.69 Cr. and Equity Capital is Rs. 32.33 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)19th K.M. Hapur - Bulandshahr Road, Bulandshahar Dist Uttar Pradesh 203408Contact not found
Management
NamePosition Held
Mr. Sanjiv Kumar AgarwalManaging Director
Ms. Geeta GilotraDirector
Ms. Kirty AgarwalDirector
Mr. Sanjeev AggarwalDirector
Mr. Prakash MataiDirector
Mr. Radhey ShyamDirector

FAQ

What is the intrinsic value of Consolidated Finvest & Holdings Ltd and is it undervalued?

As of 06 April 2026, Consolidated Finvest & Holdings Ltd's intrinsic value is ₹453.88, which is 120.33% higher than the current market price of ₹206.00, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (11.8 %), book value (₹321), dividend yield (0.55 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Consolidated Finvest & Holdings Ltd?

Consolidated Finvest & Holdings Ltd is trading at ₹206.00 as of 06 April 2026, with a FY2026-2027 high of ₹246 and low of ₹152. The stock is currently in the middle of its 52-week range. Market cap stands at ₹665 Cr..

How does Consolidated Finvest & Holdings Ltd's P/E ratio compare to its industry?

Consolidated Finvest & Holdings Ltd has a P/E ratio of 10.5, which is below the industry average of 98.51. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is Consolidated Finvest & Holdings Ltd financially healthy?

Key indicators for Consolidated Finvest & Holdings Ltd: ROCE of 7.72 % is on the lower side compared to the industry average of 21.71%. Dividend yield is 0.55 %.

Is Consolidated Finvest & Holdings Ltd profitable and how is the profit trend?

Consolidated Finvest & Holdings Ltd reported a net profit of ₹108 Cr in Mar 2025 on revenue of ₹66 Cr. Compared to ₹1 Cr in Mar 2022, the net profit shows an improving trend.

Does Consolidated Finvest & Holdings Ltd pay dividends?

Consolidated Finvest & Holdings Ltd has a dividend yield of 0.55 % at the current price of ₹206.00. The company pays dividends, though the yield is modest.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Consolidated Finvest & Holdings Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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