Models
INDIA FINSEC LTD.BSE 535667Finance
₹140per share · Base Model Note
The horizon and scenarios are yours to change. Every other input is part of the Trader plan; saving, sharing a saved link and the live-formula workbook are part of the Institutional plan.
Scenario
Value per share, your model₹140implied P/B 2.23× on FY26 book
Against CMP ₹250.00−44.2%close of 28 Oct 2026
Cost of equity8.52%risk-free + beta × equity risk premium
Book equity, FY26₹63per share · excess returns add ₹77
This figure is the arithmetic of your inputs and nothing else. MarketPing publishes no fair value, target or rating; the model is yours.
Excess-return schedule · ₹ crore · book equity earns your ROE; value is book plus the returns above the cost of equity
| ₹ crore | FY27 | FY28 | FY29 | FY30 | FY31 |
|---|---|---|---|---|---|
| Opening book equity | 183 | 205 | 229 | 256 | 287 |
| Net income at 11.9% ROE | 22 | 24 | 27 | 31 | 34 |
| Cost of equity charge at 8.52% | (16) | (17) | (20) | (22) | (24) |
| Excess return | 6 | 7 | 8 | 9 | 10 |
| Present value | 6 | 6 | 6 | 7 | 7 |
| Closing book equity | 205 | 229 | 256 | 287 | 321 |
| Book equity today | 183 |
| PV of 5 years of excess return | 32 |
| PV of the terminal excess return, 5% flat | 193 |
| add non-operating investments | 0 |
| Equity value | 407 |
| ÷ 2.92 crore shares | ₹140 |
Where the methods land · ₹ per share · the dashed line is the CMP
52-week rangetraded range, a fact not a value
₹140₹299
Scenarios side by side · ₹ per share
| Scenario | Template | Growth | Margin | Rate | Terminal | ₹ / share | vs CMP |
|---|---|---|---|---|---|---|---|
| Base · editing | Excess return | ROE 11.9% | — | 8.52% | 5% | ₹140 | (44.2)% |
A scenario is a full set of inputs under a name. Keep Base as the filed history carried forward; add Bull and Bear by saving the current inputs under those names and moving the two or three assumptions you actually hold a view on. The distribution above draws each driver between the lowest and highest value across your scenarios, so three scenarios give it a real range; with one scenario it falls back to fixed bands.