Ontic Finserve Limited (ONTIC.BO) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

-85.0%

₹0.12

vs ₹0.77 price

Levered DCF

₹0.03

After debt service

Piotroski score

3 / 9

Weak

Altman Z-score

-9.44

Distress zone

Rating

D+

Overall 1 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
P/E	22.09×	5.27×	-1.87×	134×	125.19×	99.25×	220×	79×
P/B	3.17×	2.17×	2.9×	1.33×	3.27×	0.84×	1.81×	0.95×
P/S	12.45×	3.56×	32.28×	14.63×	0.38×	1.62×	1.32×	4.75×
EV / EBITDA	16.45×	3.94×	-1.9×	23.88×	89.93×	67.67×	-887.36×	-351×
Gross margin	88.1%	98.8%	-1540.3%	81.4%	0.7%	4.1%	1.5%	7.2%
Operating margin	62.4%	88.0%	-1560.7%	60.7%	0.4%	7.2%	-0.3%	-2.5%
Net margin	56.3%	69.1%	-1698.3%	10.9%	0.3%	1.6%	0.6%	6.0%
Current ratio	1.15×	4.63×	43.35×	83.15×	92.59×	337.65×	86.38×	62.21×
Debt / equity	0.09×	0.11×	0×	0×	0×	0×	0×	0×
Interest coverage	6,000×	8,367.5×	0×	6,222.07×	133.86×	1,508.37×	-150.97×	-250.7×
Dividend yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Payout ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%

Key metrics by fiscal year

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Return on equity	14.4%	42.2%	-152.6%	1.0%	2.6%	0.9%	0.8%	1.2%
Return on invested capital	10.8%	35.4%	-140.1%	4.1%	2.6%	2.8%	-0.3%	-0.4%
Return on assets	12.4%	33.1%	-149.0%	1.0%	2.6%	0.8%	0.8%	1.2%
Free cash flow yield	4.6%	-5.4%	0.1%	0.4%	0.0%	-0.3%	-0.6%	1.6%
Earnings yield	4.5%	19.4%	-52.6%	0.7%	0.8%	1.0%	0.5%	1.3%
Enterprise value	₹120.6M	₹70.8M	₹52.2M	₹60.3M	₹147.4M	₹37.1M	₹78.1M	₹41M
Net debt / EBITDA	0.12×	0.18×	0×	-0.01×	-0.11×	-0.05×	2.94×	0.46×
Cash conversion cycle (days)	-32	741	3,961	235	4	152	55	370