CRISIL (CRISIL)

FairStock Score: 60/100 — STEADY

Score breakdown: P/E: 0/3 · ROCE: 2/2 · Growth: 1/2 · Dividend: 0/1

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I wear two hats here: Graham's demanding margin of safety and Buffett's preference for wonderful businesses at fair prices. CRISIL's numbers show a wonderful business, but not a fair price. On quality, ROE 29.05% and ROCE 34.60% are excellent, achieved with Debt/Equity of just 0.10. Free cash flow of ₹489 Cr and net profit of ₹242 Cr in the latest quarter indicate real cash generation, not accounting illusion. Latest quarter sales were ₹1,082 Cr, so the engine is running. Promoter holding 66.64% aligns incentives. Sales growth 27.60% and profit growth 26.20% are strong, though 5-year revenue CAGR of 12.98% tells me the long-run pace is more stalwart than rocket ship. Balance sheet is fortress-like: Altman Z-score 6.34, Piotroski 7/9. But valuation asks for perfection: P/E 37.04, P/B 10.01, EV/EBITDA 24.42, PEG 10.08. Graham Number is ₹988.99, so at ₹4475.90 I get a margin of safety of -342.51%. The 52-week range of ₹3,686–₹5,064.90 shows Mr. Market can swing, but even the low end is not cheap against Graham's number. That is not a bargain; it's a premium for quality. Dividend yield 0.90% offers little income support. FairStock Score 60/100 'STEADY' captures the tension: good business, full price. I'd watch whether earnings growth can justify the multiple, keep FCF rising, maintain high ROCE and low debt, and wait for Mr. Market to offer a rational entry price. At this price, I admire the company but don't reach for my wallet.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data from BSE/NSE filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer