What is the intrinsic value of Onelife Capital Advisors Ltd and is it undervalued?

As of 28 July 2026, Onelife Capital Advisors Ltd's intrinsic value is 28.70, which is 23.87% lower than the current market price of 37.70, suggesting the stock is overvalued. Calculated using the PE ratio method factoring in ROE (9.96 %), book value (19.5), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Onelife Capital Advisors Ltd?

Onelife Capital Advisors Ltd is trading at 37.70 as of 28 July 2026, with a FY2026-2027 high of 38.0 and low of 10.6. The stock is currently near its 52-week high. Market cap stands at 143 Cr..

How does Onelife Capital Advisors Ltd's P/E ratio compare to its industry?

Onelife Capital Advisors Ltd has a P/E ratio of 26.6, which is below the industry average of 57.87. Trading at a steep discount to peers could signal a value opportunity.

Is Onelife Capital Advisors Ltd financially healthy?

Key indicators: ROCE of 11.4 % is moderate. Dividend yield is 0.00 %.

Is Onelife Capital Advisors Ltd profitable and how is the profit trend?

Onelife Capital Advisors Ltd reported a net profit of -5 Cr in Mar 2025 on revenue of 11 Cr. Compared to 0 Cr in Mar 2022, the net profit shows a mixed trend.

Does Onelife Capital Advisors Ltd pay dividends?

Onelife Capital Advisors Ltd has a dividend yield of 0.00 % at the current price of 37.70. The company is currently not paying meaningful dividends.

Onelife Capital Advisors Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹42.16Undervalued by 11.83%vs CMP ₹37.70

P/E (26.6) × ROE (10.0%) × BV (₹19.50) × DY (2.00%)

₹28.70Overvalued by 23.87%vs CMP ₹37.70

MoS: -31.4% (Negative)Confidence: 28/100 (Low)Models: 1 Fair, 1 Over

Model	Category	Value	Weight	Signal
PE-ROE	Earnings	₹37.96	74%	Fair (+0.7%)
Revenue Multiple	Revenue	₹2.99	26%	Over (-92.1%)
Consensus (2 models)		₹28.70	100%	Overvalued

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: -10.0%

*Investments are subject to market risks

Analyst Summary

Onelife Capital Advisors Ltd operates in the Finance & Investments segment, NSE: ONELIFECAP | BSE: 533632, current market price is ₹37.70, market cap is 143 Cr.. At a glance, stock P/E is 26.6, ROE is 9.96 %, ROCE is 11.4 %, book value is 19.5, dividend yield is 0.00 %. The latest intrinsic value estimate is ₹28.70, around 23.9% below the current price, so expectations may already be running ahead of this modelled fair value. On operating trend, latest reported sales are about ₹11 Cr versus the prior period change of -70.0%, while latest net profit is about ₹-5 Cr with a prior-period change of -862.5%. The 52-week range shown on this page is 38.0/10.6, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisOnelife Capital Advisors Ltd. is a Public Limited Listed company incorporated on 31/08/2007 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(…

This summary is generated from the stock page data available for Onelife Capital Advisors Ltd: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

Onelife Capital Advisors Ltd scores 46/100 (Average)

Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison

Stock Health42/100 · Moderate

ROCE 11.4% AverageROE 10.0% AverageD/E 0.01 Low debtInterest Coverage 0.0x RiskyProfitable 1/5 years Inconsistent

Smart Money50/100 · Moderate

Promoter holding at 52.1% Stable

Earnings Quality50/100 · Moderate

OPM contracting (-11% → -158%) DecliningWorking capital: -946 days (improving) Efficient

Quarterly Momentum25/100 · Weak

Revenue (4Q): -85% YoY DecliningOPM: -586.3% (down 493.0% YoY) Margin pressure

Industry Rank75/100 · Strong

P/E 26.6 vs industry 80.1 Cheaper than peersROCE 11.4% vs industry 10.9% Average3Y sales CAGR: 21% High growth

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily.

Share Price and Basic Stock Data

Last Updated: July 2, 2026, 9:44 pm

Market Cap	143 Cr.
Current Price	37.7
Intrinsic Value	₹28.70
High / Low	38.0/10.6
Stock P/E	26.6
Book Value	19.5
Dividend Yield	0.00 %
ROCE	11.4 %
ROE	9.96 %
Face Value	10.0
PEG Ratio	-2.67

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

Stock P/E Current Price Intrinsic Value

View Share Price Target for Onelife Capital Advisors Ltd

Competitors

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Onelife Capital Advisors Ltd	143 Cr.	37.7	38.0/10.6	26.6	19.5	0.00 %	11.4 %	9.96 %	10.0
Indbank Merchant Banking Services Ltd	148 Cr.	33.2	47.2/28.2	21.1	22.2	0.00 %	10.3 %	7.36 %	10.0
Adinath Exim Resources Ltd	131 Cr.	142	178/57.2	238	59.9	0.00 %	0.91 %	1.41 %	10.0
Maha Rashtra Apex Corporation Ltd	129 Cr.	45.3	75.5/37.2		163	0.00 %	1.47 %	1.61 %	10.0
Garnet International Ltd	124 Cr.	63.0	135/42.0	26.0	21.6	0.00 %	11.2 %	11.8 %	10.0
Industry Average	6,974.16 Cr	1,210.32		80.13	3,649.36	0.40%	10.86%	11.57%	7.23

All Competitor Stocks of Onelife Capital Advisors Ltd

Quarterly Result

Metric	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Sales	1.30	1.37	1.82	1.30	1.47	32.41	7.21	1.52	1.33	1.23	0.85	3.86	0.51
Expenses	2.02	2.19	2.08	1.35	1.80	26.23	6.02	33.57	2.57	7.05	2.05	8.41	3.50
Operating Profit	-0.72	-0.82	-0.26	-0.05	-0.33	6.18	1.19	-32.05	-1.24	-5.82	-1.20	-4.55	-2.99
OPM %	-55.38%	-59.85%	-14.29%	-3.85%	-22.45%	19.07%	16.50%	-2,108.55%	-93.23%	-473.17%	-141.18%	-117.88%	-586.27%
Other Income	0.20	0.39	0.24	0.12	0.01	2.81	0.64	26.20	-0.49	11.57	1.22	1.06	1.95
Interest	0.20	0.86	0.30	0.16	0.10	1.22	0.73	0.55	0.44	0.21	0.18	0.98	0.93
Depreciation	0.02	0.03	0.03	0.03	0.03	0.45	0.15	0.22	0.26	-0.01	0.18	0.18	0.19
Profit before tax	-0.74	-1.32	-0.35	-0.12	-0.45	7.32	0.95	-6.62	-2.43	5.55	-0.34	-4.65	-2.16
Tax %	6.76%	-8.33%	28.57%	75.00%	11.11%	75.55%	31.58%	2.87%	18.52%	25.23%	52.94%	3.66%	-13.43%
Net Profit	-0.79	-1.21	-0.45	-0.21	-0.50	1.80	0.65	-6.80	-2.88	4.15	-0.52	-4.83	-1.87
EPS in Rs	-0.21	-0.32	-0.12	-0.06	-0.13	0.41	0.16	-1.80	-0.73	1.00	-0.14	-1.21	-0.45

Last Updated: March 3, 2026, 3:59 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 25, 2026, 6:46 am

Metric	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Sales	6.05	10.27	3.55	7.85	7.40	10.54	9.49	6.45	6.39	5.22	37.87	11.36	6.45
Expenses	3.80	6.77	8.95	9.97	6.77	10.07	10.14	5.72	6.46	6.35	31.43	49.21	21.01
Operating Profit	2.25	3.50	-5.40	-2.12	0.63	0.47	-0.65	0.73	-0.07	-1.13	6.44	-37.85	-14.56
OPM %	37.19%	34.08%	-152.11%	-27.01%	8.51%	4.46%	-6.85%	11.32%	-1.10%	-21.65%	17.01%	-333.19%	-225.74%
Other Income	0.00	-0.44	0.03	-0.16	0.02	0.11	0.02	0.11	0.09	0.20	2.29	37.85	15.80
Interest	0.00	0.12	0.24	0.09	0.05	0.03	0.03	0.01	0.08	1.50	1.78	1.93	2.30
Depreciation	0.76	0.78	0.68	1.71	0.53	0.57	0.89	0.77	0.26	0.05	0.53	0.62	0.54
Profit before tax	1.49	2.16	-6.29	-4.08	0.07	-0.02	-1.55	0.06	-0.32	-2.48	6.42	-2.55	-1.60
Tax %	0.00%	2.31%	0.48%	0.49%	42.86%	300.00%	5.16%	200.00%	25.00%	0.00%	90.03%	91.37%
Net Profit	1.49	2.11	-6.31	-4.10	0.05	-0.08	-1.63	-0.05	-0.40	-2.48	0.64	-4.88	-3.07
EPS in Rs	0.11	0.21	-1.67	-1.10	0.01	-0.02	-0.44	-0.01	-0.11	-0.66	0.10	-1.37	-0.80
Dividend Payout %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024	2024-2025
YoY Net Profit Growth (%)	41.61%	-399.05%	35.02%	101.22%	-260.00%	-1937.50%	96.93%	-700.00%	-520.00%	125.81%	-862.50%
Change in YoY Net Profit Growth (%)	0.00%	-440.66%	434.08%	66.20%	-361.22%	-1677.50%	2034.43%	-796.93%	180.00%	645.81%	-988.31%

Onelife Capital Advisors 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:	1%
5 Years:	4%
3 Years:	21%
TTM:	-88%

Compounded Profit Growth
10 Years:	%
5 Years:	%
3 Years:	%
TTM:	-1667%

Stock Price CAGR
10 Years:	-10%
5 Years:	15%
3 Years:	-5%
1 Year:	-33%

Return on Equity
10 Years:	-3%
5 Years:	-3%
3 Years:	-5%
Last Year:	-16%

Last Updated: September 5, 2025, 11:55 am

No data available for the Balance Sheet data table.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity +	-91.36	-4.84	-7.98	-9.80	-4.02	-5.41	-2.15	-2.01	18.52	-5.79	57.80	-44.59
Cash from Investing Activity +	71.60	-7.74	7.44	9.68	3.26	11.64	0.00	-12.01	-12.20	-5.98	-26.96	-6.61
Cash from Financing Activity +	5.02	-2.22	1.99	1.62	-0.75	-5.09	-0.12	13.86	-3.27	11.23	-5.04	41.02
Net Cash Flow	-14.75	-14.80	1.45	1.51	-1.50	1.15	-2.27	-0.16	3.05	-0.54	25.79	-10.18
Free Cash Flow	-86.48	-29.40	-7.99	-10.46	-4.24	-5.40	-1.96	-2.02	11.86	-8.93	36.21	-46.71
CFO/OP	-2,602%	82%	375%	-1,478%	-768%	832%	-222%	2,614%	-1,652%	-25%	-160%	376%

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days	121.87	0.71	2.06	4.18	4.93	80.34	122.69	72.43	274.18	406.25	223.13	527.76
Inventory Days	0.00	0.00									825.18	12.79
Days Payable											1,425.47	929.08
Cash Conversion Cycle	121.87	0.71	2.06	4.18	4.93	80.34	122.69	72.43	274.18	406.25	-377.16	-388.53
Working Capital Days	2,515.79	2,326.83	7,000.80	2,737.73	1,877.78	2,186.54	2,560.00	3,986.71	4,796.98	3,918.51	261.87	-946.48
ROCE %	1.24%	2.19%	-5.01%	-3.52%	0.12%	0.01%	-1.48%	0.08%	-0.26%	-1.01%	9.53%	-26.66%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	52.10%	52.10%	52.10%	52.10%	52.10%	52.10%	52.10%	52.10%	52.10%	52.10%	52.10%	52.10%
DIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.01%	0.01%	0.01%	0.01%	0.01%
Public	47.91%	47.92%	47.91%	47.91%	47.91%	47.90%	47.90%	47.90%	47.89%	47.90%	47.90%	47.89%
No. of Shareholders	9,281	9,083	9,275	9,435	9,888	10,026	9,857	10,438	10,487	10,713	10,412	10,127

Shareholding Pattern Chart

No. of Shareholders

Onelife Capital Advisors 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

Month	Mar 25	Mar 24	Mar 23	Mar 22	Mar 21
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	-3.65	0.47	-1.86	-0.30	-0.04
Diluted EPS (Rs.)	-3.65	0.47	-1.86	-0.30	-0.04
Cash EPS (Rs.)	-3.19	0.87	-1.81	-0.10	0.53
Book Value[Excl.RevalReserv]/Share (Rs.)	25.96	37.95	61.39	63.26	63.55
Book Value[Incl.RevalReserv]/Share (Rs.)	25.96	37.95	61.39	63.26	63.55
Revenue From Operations / Share (Rs.)	8.45	27.69	3.33	3.06	3.40
PBDIT / Share (Rs.)	-13.04	6.53	-0.69	0.01	0.63
PBIT / Share (Rs.)	-13.50	6.13	-0.73	-0.17	0.05
PBT / Share (Rs.)	-1.91	4.80	-1.86	-0.23	0.04
Net Profit / Share (Rs.)	-3.65	0.47	-1.86	-0.29	-0.04
NP After MI And SOA / Share (Rs.)	-3.85	0.28	-1.86	-0.29	-0.04
PBDIT Margin (%)	-154.43	23.58	-20.83	0.41	18.72
PBIT Margin (%)	-159.89	22.14	-22.05	-5.84	1.70
PBT Margin (%)	-22.57	17.32	-55.79	-7.80	1.33
Net Profit Margin (%)	-43.23	1.71	-55.79	-9.72	-1.20
NP After MI And SOA Margin (%)	-45.57	1.04	-55.77	-9.71	-1.19
Return on Networth / Equity (%)	-14.82	0.76	-3.02	-0.46	-0.06
Return on Capital Employeed (%)	-30.24	10.73	-1.13	-0.28	0.09
Return On Assets (%)	-2.99	0.23	-2.00	-0.37	-0.05
Long Term Debt / Equity (X)	0.65	0.34	0.05	0.00	0.00
Total Debt / Equity (X)	0.66	0.51	0.16	0.17	0.01
Asset Turnover Ratio (%)	0.06	0.25	0.03	0.04	0.04
Current Ratio (X)	1.01	1.49	2.39	4.15	14.09
Quick Ratio (X)	1.00	0.93	2.39	4.15	14.09
Inventory Turnover Ratio (X)	0.45	0.00	0.00	0.00	0.00
Dividend Payout Ratio (NP) (%)	-0.04	0.00	0.00	0.00	0.00
Dividend Payout Ratio (CP) (%)	-0.04	0.00	0.00	0.00	0.00
Earning Retention Ratio (%)	100.04	0.00	0.00	0.00	0.00
Cash Earning Retention Ratio (%)	100.04	0.00	0.00	0.00	0.00
Interest Coverage Ratio (X)	-9.02	4.90	-0.61	0.21	62.05
Interest Coverage Ratio (Post Tax) (X)	-10.54	1.36	-0.65	-3.98	-2.74
Enterprise Value (Cr.)	6.58	60.64	26.65	28.88	8.88
EV / Net Operating Revenue (X)	0.58	1.64	6.00	7.07	1.96
EV / EBITDA (X)	-0.37	6.95	-28.78	1698.79	10.44
MarketCap / Net Operating Revenue (X)	1.21	1.08	4.02	3.74	2.06
Retention Ratios (%)	100.04	0.00	0.00	0.00	0.00
Price / BV (X)	0.39	0.78	0.21	0.18	0.11
Price / Net Operating Revenue (X)	1.21	1.08	4.02	3.74	2.06
EarningsYield	-0.37	0.01	-0.13	-0.02	-0.01

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Onelife Capital Advisors Ltd. is a Public Limited Listed company incorporated on 31/08/2007 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L74140MH2007PLC173660 and registration number is 173660. Currently Company is involved in the business activities of Activities auxiliary to financial service activities. Company's Total Operating Revenue is Rs. 2.17 Cr. and Equity Capital is Rs. 37.36 Cr. for the Year ended 31/03/2026.

INDUSTRY	ADDRESS	CONTACT
Finance & Investments	Plot No. A-356, Road No. 26, Thane Maharashtra 400604	Contact not found

Management
Name	Position Held
Mr. Prabhakara Naig	Chairman & Wholetime Director
Mr. Pandoo Naig	Executive Director & CFO
Mr. Nitesh Shrinath singh	Ind. Non-Executive Director
Mr. Dhananjay Parikh	Ind. Non-Executive Director
Mr. Ranu Jain	Ind. Non-Executive Director
Mr. Abhay Kumar Sethia	Ind. Non-Executive Director
Mr. Shalini Shivcharan Patidar	Non Exe.Non Ind.Director

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