Credit ratingSep 2026
Credit-rating report · Panache Digilife Limited has informed the Exchange about Credit Rating
Source: Nse
Panache Digilife Limited (PANACHE)
Small CapIT stocks · Small cap · NSE
Panache Digilife Limited operates in Hardware & Services, within the IT sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers.
Data qualityFresh enough for analysisQuote updated 21 Oct, 03:15 pm ISTDetails
Quote21 Oct, 03:15 pm IST
Base fundamentals06 Oct 2026 · screener
Latest result16 Aug, 01:17 am IST
Score22 Oct, 04:30 am IST · v4.3-runtime-valuation
Tags03 May 2026
Coverage13/14 · 93%
Valuation2026-07-20 · Rf 6.8% · IT P/E 21.4 (n=204)
Technical timing lens
Trend score and candlestick chart
87Strong Bullfull bull SMA stack · SMA20 +10.1% / mo · RSI overbought · MACD + · near 52W high · sector +17.5pp vs Nifty 500 (3M)
Stock trend: 78
Sector RS: 100
Sector 3M: +11.7% vs Nifty 500 -5.8%
IT FPI tailwindBuilding
Latest FPI flow is positive, but a second consecutive positive fortnight is still required. View sector evidence
Technical chart
PANACHED candles · FIT view+107.6%Latest close ₹656.20 on 2026-10-21
Bar
-3.9%
RSI
70
MACD hist
8.64
52W pos
94%
2026-10-21O ₹682.90H ₹682.90L ₹656.20C ₹656.20Vol 14,921 sh
Up bar
Down bar
EMA 20
EMA 50
Volume + 20D avg
Result date
RSI(14)
MACD / signal
Market context
Relative performance and chart statistics
Adjusted completed-session prices, rebased to 100
PANACHENifty ITNifty 500
- PANACHE
- +50.0%
- Nifty 500
- -6.5%
- Nifty IT
- +12.0%
- Vs Nifty 500
- +56.5 pp
Chart stats
21 Oct 2026- From 52W high
- -3.9%
- 52W range position
- 94%
- ATR (14)
- 3.3%
- Volume vs 20D
- 0.59x
- Avg traded value
- ₹1.5 Cr
- 20D price channel
- ₹502 - ₹682.9
₹682.9
₹237.7 - ₹682.9
₹21.9
Latest completed session
20-session average
45.1% annualized volatility
Research snapshot
What the evidence says now
Mixed fundamentals, while price trend supports entry. This looks more like momentum/speculation than a clean fundamental investment setup.
Weak U-Score but strong trend: momentum may be ahead of fundamentals.
Suggested next step
Momentum only
Trend is strong but fundamentals do not support a clean investment thesis.
U-Score
Legacy · FAIR VALUE54
Fundamental lens: valuation, quality, growth, balance sheet, and cash flow.
Latest result
Excellent90
Revenue +72.1% · PAT +329.8% YoY
Technical
Strong Bull87
Price trend and sector-relative-strength timing.
Valuation
Legacy model-68.8%
Legacy margin-of-safety estimate; the revised evidence label remains in shadow validation.
Trust
Limited evidence76
Financial-only signal; management claim evidence is not sufficient yet.
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Latest result
Quarter ended 30 Jun 2026
Excellent · 90/100Rev +72% YoY · PAT +330% YoY · margin expansion · operating leverage
Filed 30 Jun 2026
Open results browser →| Metric | This quarter | YoY | QoQ |
|---|---|---|---|
| Revenue | ₹50.8 Cr | +72.1% | -49.1% |
| EBITDA | ₹5.2 Cr | +169.4% | -67.9% |
| Operating margin | 10.2% | +370 bps | -599 bps |
| PAT | ₹3.6 Cr | +329.8% | -64.0% |
| PAT margin | 7.1% | +426 bps | -294 bps |
NDF means not disclosed in the current structured filing feed. It is intentionally not treated as zero.
Fundamentals
Valuation
- P/E
- 40.70
- P/B
- 8.22
- EV/EBITDA
- 28.90
- Market Cap
- 868.00Cr
Profitability
- ROE
- 21.50%
- ROCE
- 25.60%
- ROA
- 8.33%
- Dividend Y
- —
Growth (CAGR)
- Revenue 5Y
- 26.00%
- EPS 5Y
- 45.00%
- Revenue 3Y
- 30.00%
- EPS 3Y
- 112.50%
Balance Sheet
- Debt/Equity
- 0.26
- Interest Coverage
- 10.00×
- Altman Z
- 6.58
- Book Value
- 65.90
Cash Flow
- FCF Yield
- —
- FCF Positive Y
- 3/5
- OCF
- -5.00 Cr
- EPS TTM
- 12.11
Shareholding
- Promoter Hold
- 54.05%
- Promoter Pledge
- 0.00%
- Momentum 52W
- 95%
Financial History
Updated 22/10/2026
Revenue
₹ CrLatest: 50.8-49.1% vs prev
Net Profit
₹ CrLatest: 3.6-64.0% vs prev
ROE is shown only in the Annual view — quarterly equity data isn't published.
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Daily technical trend read
Mixed signalsSignals are conflicting — long-term uptrend intact. RSI 70. Wait for confirmation.
- Price > SMA20 > SMA50 > SMA200 — full bullish stack.
- SMA20 rising (~9.2% over last month) — short-term momentum positive.
- RSI(14) at 70 — overbought zone; risk of mean reversion.
- MACD above signal but histogram contracting — bullish momentum cooling.
- 4% off 52W high · 176% above 52W low.
Mechanical read from the price + indicator series above. Not a recommendation — technical setups can reverse without warning, especially around earnings and macro events.
Nifty 500 leadership
Relative Strength & Trend Stage
95
RS percentile
Stage 2 UptrendEstablished S2
1M return
+26.2%
3M return
+50.0%
6M return
+111.5%
1Y return
+56.4%
RS 1D
+1
RS 20D
+10
Sector rank
#7
Industry rank
#37
Stage evidence
- Price is 53.0% above the 30-week proxy.
- The 50-DMA is above the 30-week proxy and its slope is rising +8.6%.
- Both 3-month and 6-month returns are positive.
50-DMA
price above
200-DMA
price above
S2 entered
06 Jul 2026
S2 age
75 trading sessions
Sector
improving
Industry
improving
Relative-strength line vs Nifty 500 (base 100)
262 observations
21 Oct 2026Value 173.77-1.08%
RS vs Nifty 500174
Valuation & peers
U-Score 54 · legacy U-Score band FAIR VALUE · valuation evidence and comparable companies
Valuation & peers
U-Score 54 · legacy U-Score band FAIR VALUE · valuation evidence and comparable companies
Premium Compounder
Fundamental score breakdown
U band · FAIR VALUEValuation0/30
Growth24/25
Quality16/20
Balance Sheet10/15
Cash Flow2/10
Piotroski
6/9 (+3)
Penalties
-1
Raw sum
54
Why this score?
Top U-Score contributors and drags from the latest stored fundamentals.
54/100 · legacy band FAIR VALUE
Positive drivers
- Growth contributes 24/25 to the score.
- Quality contributes 16/20 to the score.
- Balance sheet contributes 10/15 to the score.
Main drags
- Penalty bucket subtracts 1 points.
- Fair-value margin of safety is negative at -68.8%.
- Valuation is weaker at 0/30; verify the latest quarterly trend.
Sector valuation model
Blended valuation: PE, EV/EBITDA, FCF yield, and balance-sheet checks
For this sector, IndiaPulse uses a blended lens rather than relying on a single valuation ratio.
Primary lens
PE, EV/EBITDA, margin of safety, and FCF yield together.
Secondary checks
ROE/ROCE, growth, cash conversion, leverage, promoter risk.
Main risk check
One cheap metric is not enough if quality or cash flow is weak.
PE
40.7
PB
8.2
EV/EBITDA
28.9
ROE
21.5%
ROCE
25.6%
FCF Yield
—
Debt/Equity
0.3
MoS
-68.8%
Score movement
Stored run vs live recompute
This shows the stored score trend when snapshots exist, and also compares the latest stored nightly score with a live recompute from current fundamentals and price.
Stored run: 22 Oct 2026
v4.3-runtime-valuation
Final score
54
Previous: 54
Legacy U-Score band
FAIR VALUE
Previous: FAIR VALUE
Margin of safety
-68.8%
Previous: -68.8%
Score history
12 stored score snapshots. Latest stored move: +0 points.
22 Oct 2026
v4.3-runtime-valuation
54
54
54
54
54
54
54
54
54
54
54
54
Factor attribution
No pillar movement versus the latest stored run. Historical score trend will appear after snapshot storage is enabled.
Modelled fair value
Graham Number
₹134
-389.7% MoS
Growth-justified P/E
32.1
Growth-justified Value
₹388.73
-68.8% MoS
PEG
0.57
Comparable companies
Peers
Business-comparable peers in IT — ranked by industry, sub-sector, theme-tag overlap, market cap, and U-Score similarity. Green cells mark the best available peer metric in this table.
Ticker
Name
Why peer
Score
PE
ROE
MoS
Verdict
EXCELSOFT
Small
Excelsoft Technologies Limited
IT Services / Digital
match 131
55
18.4
9.8%
+40%
FAIR VALUE
PROSTARM
Small
Prostarm Info Systems Limited
IT Services / Digital
match 130
48
21.8
16.9%
+38%
FAIR VALUE
UNIECOM
Small
Unicommerce Esolutions Limited
IT Services / Digital
match 130
41
43.2
15.5%
-34%
WATCHLIST
JARO
Small
Jaro Institute of Technology Management and Research Limited
IT Services / Digital
match 130
70
22.8
40.6%
+51%
UNDERVALUED
RMDRIP
Small
R M Drip and Sprinklers Systems Limited
IT Services / Digital
match 130
60
28.5
37.2%
+28%
UNDERVALUED
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business and thesis
Issuer presentation review pending
Panache Digilife Limited operates in Hardware & Services, within the IT sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers. The structured result feed currently covers the quarter ended 30 Jun 2026. Investor presentations and earnings-call PDFs will be added as issuer-backed evidence before management claims appear here.
Trust Score
76Limited evidence · low confidenceTrust Lite
Trust asks: does management behaviour match later outcomes? Higher is better, but confidence and evidence depth matter as much as the number.
Limited evidence: Claim history is still being built. It ranks around the 81st percentile of the scored universe and 76th percentile within IT. Main check: cash conversion is weak at 40/100.
This is a financial-behaviour screen, not a claim-tested management reliability verdict.
Computed 05 Sept 2026
management-trust-v1
5 docs text-extracted · 0 concalls text-extracted
Score band
Limited evidence
Financial behaviour is scored, but management claims do not yet have enough outcome checks.
Relative rank
81st percentile
overall median 67 · IT: 76th pctile, median 69 · Small: 83rd pctile, median 66
Evidence depth
Financial-only
5 documents have extracted text, but claim history is not strong enough yet.
Claim delivery
Outcome history still building
0 claims extracted · No contradicted claim yet
How to read this Trust Score
Limited evidence · low confidenceWhat it measures
Reliability of management and financial delivery, using financial behaviour only.
Confidence
Treat this as an early read until more concalls and outcomes are matched.
Investor use
Can support position sizing if valuation and trend also agree.
Read Trust alongside U-Score, result consistency, and technical trend. A cheap stock with weak Trust needs a larger margin of safety; a high Trust score does not make an expensive stock attractive by itself.
Forensic breakdown
Read low sub-scores as due-diligence warnings, not automatic sell signals.
Promoter
82
strong · holding, pledge, alignment
Cash flow
40
weak · profit to cash conversion
Balance sheet
89
strong · leverage and solvency
Discipline
98
strong · capital discipline
Results
80
strong · quarterly consistency
Trust positives
- ▸Promoter pledge is zero.
- ▸Promoter holding increased 2.4%.
- ▸ROCE is 25.6%.
- ▸4/4 latest quarters had positive YoY revenue growth.
Trust risks
- ▸Operating cash flow is negative at ₹-5 Cr.
- ▸1 of the latest 4 quarters had PAT decline worse than 25% YoY.
Trust Lite uses financial behaviour only. Prefer claim-tested Trust when enough concall claims have later outcomes.
Continue researching Panache Digilife Limited
Important announcements & filings
Latest exchange and company disclosures found within the past two years.
Open source ↗
Credit rating
Credit-rating report · Panache Digilife Limited has informed the Exchange about Credit Rating
Source: Nse
Investor presentationJun 2026
Jun 2026 · Investor presentation · Panache Digilife Limited has informed the Exchange about Investor Presentation
Source: Nse
Investor presentationApr 2026
Investor presentation · Panache Digilife Limited has informed the Exchange about Investor Presentation
Source: Nse
Annual reportMar 2026
Sep 2026 · Shareholders meeting 1 Sep - Annual Report 2025-26 filed; 19th AGM on September 24, 2026 at 3:00 p.m. via VC.
Source: Nse
Annual reportMar 2026
Sep 2026 · General Updates 1 Sep - FY2025-26 annual report and notice for 19th AGM on September 24, 2026.
Source: Nse
Credit rating
Credit-rating report · Panache Digilife Limited has informed the Exchange about Credit Rating
Source: Nse
Credit rating
Credit-rating report · Panache Digilife Limited has informed the Exchange about Credit Rating- New
Source: Nse
Investor presentationMay 2025
Investor presentation · Panache Digilife Limited has informed the Exchange about Investor Presentation
Source: Nse
Annual report
Annual Report 2025
Source: Nse
Investor presentationFeb 2025
Investor presentation · Panache Digilife Limited has informed the Exchange about Investor Presentation
Source: Nse
All information is for study purposes only. For investment decisions, consult your financial advisor. See Playbook for methodology.