⚠ Disclaimer: This report is generated using AI tools and is for informational purposes only. It does not constitute investment advice. Please consult a registered financial advisor before making any investment decisions.
CRISIL - Fundamental Analysis: Financial Health & Valuation
Back to ListFundamental Rating: 4.1
| Stock Code | CRISIL | Market Cap | 29,502 Cr. | Current Price | 4,035 ₹ | High / Low | 6,330 ₹ |
| Stock P/E | 48.0 | Book Value | 277 ₹ | Dividend Yield | 0.89 % | ROCE | 34.0 % |
| ROE | 32.2 % | Face Value | 1.00 ₹ | DMA 50 | 4,435 ₹ | DMA 200 | 4,711 ₹ |
| Chg in FII Hold | -0.14 % | Chg in DII Hold | -0.08 % | PAT Qtr | 153 Cr. | PAT Prev Qtr | 137 Cr. |
| RSI | 31.4 | MACD | -137 | Volume | 72,646 | Avg Vol 1Wk | 49,703 |
| Low price | 3,894 ₹ | High price | 6,330 ₹ | PEG Ratio | 2.50 | Debt to equity | 0.12 |
| 52w Index | 5.79 % | Qtr Profit Var | -25.6 % | EPS | 84.1 ₹ | Industry PE | 36.7 |
📊 Financials
- Revenue Growth: PAT improved from 137 Cr. to 153 Cr., but quarterly profit variation (-25.6%) shows volatility
- Profit Margins: EPS at 84.1 ₹, strong profitability
- Debt Ratios: Debt-to-Equity 0.12, very low leverage
- Cash Flows: Supported by steady financial services demand
- Return Metrics: ROE 32.2%, ROCE 34.0% — excellent efficiency
💹 Valuation
- P/E Ratio: 48.0 (premium vs Industry PE 36.7)
- P/B Ratio: ~14.6 (high, reflects brand strength)
- PEG Ratio: 2.50 (suggests moderate overvaluation relative to growth)
- Intrinsic Value: Current price (4,035 ₹) below DMA 50 (4,435 ₹) & DMA 200 (4,711 ₹), showing technical weakness
🏢 Business Model & Competitive Advantage
- Leading provider of ratings, research, and risk advisory services
- Competitive advantage in brand reputation and global reach
- Strong efficiency ratios highlight operational excellence
- Valuation stretched despite consistent earnings
📈 Entry Zone Recommendation
- Entry Zone: 3,950–4,100 ₹ (near support levels, RSI at 31.4 indicates oversold)
- Long-Term Holding: Attractive due to strong fundamentals and brand dominance, but caution due to premium valuation
✅ Positive
- Strong ROE (32.2%) and ROCE (34.0%)
- Debt-to-equity ratio very low (0.12)
- Consistent PAT growth over time
- Strong brand presence in financial services
⚠️ Limitation
- High P/E ratio compared to industry
- PEG ratio suggests overvaluation
- Stock trading below DMA 50 & 200, showing weakness
📉 Company Negative News
- FII holding decreased (-0.14%)
- DII holding decreased (-0.08%)
- Technical weakness with MACD negative (-137)
📈 Company Positive News
- Quarterly PAT improved sequentially
- Strong efficiency ratios support investor confidence
🏭 Industry
- Financial services and rating industry growing steadily with demand for risk management
- Industry PE at 36.7, CRISIL trades at a premium
🔎 Conclusion
CRISIL is a leading financial services company with excellent return ratios and strong brand equity. Despite consistent profitability, valuations are stretched with a P/E of 48.0 and PEG of 2.50. Entry around 3,950–4,100 ₹ may be considered, and long-term investors can hold for brand-driven growth and stability, while monitoring valuation risks and institutional activity.