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Is NTPC overvalued?

A valuation of NTPC (NTPC) built from its filed accounts — ten years of results, the method that fits this business, and what today's price already assumes.

The short answer

The market expects NTPC to carry on much as it has.

At today’s share price, buyers are assuming NTPC earns about 13% a year on the money invested in it, from here on. Over the last ten years it actually earned about 13.2% a year. The two are close, so the share price does not need the business to improve or to stumble. It needs it to keep doing roughly what it already does.

Price
₹345
Market cap
₹3.36L Cr
P/E
12.1
P/B
1.64
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What the market is already assuming

Worked backwards from today's share price: the ROE NTPC must sustain to justify what it costs, against what its own record supports.

Price implies
13.0%
sustained ROE
History supports
13.2%
ten-year record

How to read this. The number on the left is what today’s share price quietly takes for granted about the future. The number on the right is what NTPC has actually managed over the last ten years. When the two are far apart, that gap is the bet you would be taking.

Ten years, in charts

Revenue and earnings per share in ₹, return on equity and leverage as ratios — all from the filed statements.

Revenue₹0.82L → ₹1.87L Cr
17181920212223242526
Earnings per share₹10.8 → ₹27.9
17181920212223242526
Return on equity10.3% → 13.7%
181920212223242526
Debt to equity1.16 → 1.33
17181920212223242526

The numbers behind them

Revenue and net profit as filed, in ₹ crore.

YearRevenueNet profitMargin
Mar 201782,04210,71413.1%
Mar 201888,08310,50211.9%
Mar 20191,00,28714,03414.0%
Mar 20201,09,46411,90210.9%
Mar 20211,11,53114,96913.4%
Mar 20221,32,66916,96012.8%
Mar 20231,76,20717,1219.7%
Mar 20241,78,52521,33211.9%
Mar 20251,88,13823,95312.7%
Mar 20261,87,37927,54614.7%

How this company gets valued — and why

A rate-regulated utility earns an allowed return on a regulated asset base, so capex builds the earning base rather than draining owner cash. A cash-flow model charges that capex and credits none of the regulated earnings it buys, so this is valued on excess return over its book.

Excess return — the correct lens for a regulated utility

The complete valuation

Model value per share
₹0,000
Upside
+00%
Call
XXXX

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Compare with peers

The same valuation, run side by side.

NTPC vs Adani PowerState-owned generation against the largest private producer.NTPC vs ONGCBoth state-controlled energy, one upstream and one downstream of the meter.NTPC vs Power GridTransmission rather than generation, on the same regulated return.

Frequently asked

Is NTPC overvalued?

At ₹345 the market is pricing in roughly 13.0% sustained ROE, against the ~13.2% its own record supports. That is close to what it has delivered, so the price is broadly consistent with the company simply continuing as it has.

What is the intrinsic value of NTPC?

It is computed from the filed financial statements using the method that fits this business (excess return), with every assumption shown alongside the result. The per-share figure and the full working are in the report.

Why is NTPC trading at this valuation?

A price-to-earnings of 12.1 and price-to-book of 1.64 sit against a return on equity of 14.0%. Whether that multiple is deserved depends on how durable the return is — which is exactly what the valuation tests.

Is NTPC a good long-term investment?

Revenue went from ₹0.82 lakh crore to ₹1.87 lakh crore over the period shown, while return on equity moved from 10.3% to 13.7%. Growing scale on a rising return is a very different proposition from growing scale on a falling one.

Is NTPC a dividend stock?

The dividend yield is 2.42%, which is a meaningful part of the total return.

How much debt does NTPC carry?

Debt to equity stands at 1.33, against 1.16 at the start of the period — the balance sheet is a core input to the cost of capital used here.

How does FairStocks calculate fair value?

From published financial statements. The method is chosen to fit the business — a bank on excess return, a regulated utility on its rate base, a conglomerate by its parts — and every assumption is shown with its source. When the numbers do not support an estimate, no estimate is published. This is an educational research tool: it reports what the model computed and does not recommend buying or selling anything.

What assumptions are used to value NTPC?

A cost of capital of 10.81%, growth drawn from the company's own record rather than from guidance, and the valuation method that fits the business. All of them are listed in the report, with how much each one moves the answer.