Price
Financials
Standalone, Rs crore| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 8.10 | 13.63 | 16.99 | 8.39 | 8.73 | 5.40 | 6.60 | 9.81 | 7.05 | 7.15 | 11.98 | 12.53 |
| Interest | 5.52 | 11.41 | 12.41 | 6.03 | 6.31 | 2.84 | 6.04 | 7.27 | 4.04 | 3.88 | 8.18 | 9.47 |
| Expenses | 0.15 | 0.19 | 0.72 | 0.19 | 0.12 | 0.15 | 0.18 | 0.21 | 0.17 | 0.17 | 1.03 | 0.20 |
| Financing Profit | 2.43 | 2.03 | 3.86 | 2.17 | 2.30 | 2.41 | 0.38 | 2.33 | 2.84 | 3.10 | 2.77 | 2.86 |
| Financing Margin % | 30.00% | 14.89% | 22.72% | 25.86% | 26.35% | 44.63% | 5.76% | 23.75% | 40.28% | 43.36% | 23.12% | 22.83% |
| Other Income | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 4.04 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Depreciation | 0.09 | 0.09 | 0.25 | 0.12 | 0.12 | 0.12 | 0.12 | 0.08 | 0.01 | 0.01 | 0.18 | 0.14 |
| Profit before tax | 2.34 | 1.94 | 3.62 | 2.05 | 2.18 | 2.29 | 4.30 | 2.25 | 2.83 | 3.09 | 2.59 | 2.72 |
| Tax % | 24.36% | 24.74% | 30.39% | 26.83% | 24.77% | 23.14% | 26.98% | 25.33% | 25.09% | 25.24% | 27.80% | 24.63% |
| Net Profit | 1.77 | 1.46 | 2.52 | 1.51 | 1.64 | 1.77 | 3.15 | 1.68 | 2.12 | 2.31 | 1.87 | 2.04 |
| EPS in Rs | 1.64 | 1.35 | 2.33 | 1.40 | 1.52 | 1.64 | 2.91 | 1.55 | 1.96 | 2.14 | 1.73 | 1.89 |
| Gross NPA % | ||||||||||||
| Net NPA % |
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 7.14 | 8.48 | 6.05 | 5.89 | 15.59 | 20.98 | 32.71 | 30.75 | 46.65 | 33.16 | 35.99 | 38.71 |
| Interest | 1.95 | 2.81 | 1.06 | 1.14 | 9.54 | 15.46 | 23.15 | 20.76 | 35.19 | 21.23 | 23.38 | 25.57 |
| Expenses | 0.90 | 0.59 | 0.74 | 0.65 | 0.73 | 0.48 | 0.96 | 0.90 | 1.21 | 0.63 | 1.51 | 1.57 |
| Financing Profit | 4.29 | 5.08 | 4.25 | 4.10 | 5.32 | 5.04 | 8.60 | 9.09 | 10.25 | 11.30 | 11.10 | 11.57 |
| Financing Margin % | 60.08% | 59.91% | 70.25% | 69.61% | 34.12% | 24.02% | 26.29% | 29.56% | 21.97% | 34.08% | 30.84% | 29.89% |
| Other Income | 0.00 | 0.01 | 0.00 | 0.01 | 0.00 | 0.06 | 0.00 | 0.00 | 0.00 | 0.00 | -0.06 | 0.00 |
| Depreciation | 0.04 | 0.15 | 0.10 | 0.07 | 0.05 | 0.03 | 0.38 | 0.50 | 0.51 | 0.47 | 0.28 | 0.34 |
| Profit before tax | 4.25 | 4.94 | 4.15 | 4.04 | 5.27 | 5.07 | 8.22 | 8.59 | 9.74 | 10.83 | 10.76 | 11.23 |
| Tax % | 33.41% | 32.19% | 27.71% | 29.95% | 25.43% | 25.44% | 25.43% | 25.49% | 26.90% | 25.58% | 25.74% | |
| Net Profit | 2.83 | 3.35 | 3.00 | 2.82 | 3.94 | 3.79 | 6.13 | 6.40 | 7.12 | 8.07 | 7.99 | 8.34 |
| EPS in Rs | 2.62 | 3.10 | 2.77 | 2.61 | 3.64 | 3.50 | 5.67 | 5.92 | 6.58 | 7.46 | 7.39 | 7.72 |
| Dividend Payout % | 28.67% | 29.07% | 32.46% | 38.37% | 34.33% | 35.69% | 23.83% | 22.82% | 21.28% | 20.11% | 20.99% |
| 10 Years | 5 Years | 3 Years | TTM | 1 Year | Last Year | |
|---|---|---|---|---|---|---|
| Compounded Sales Growth | 18% | 11% | 5% | 27% | ||
| Compounded Profit Growth | 11% | 16% | 8% | 1% | ||
| Stock Price CAGR | 16% | 24% | -8% | -20% | ||
| Return on Equity | 14% | 15% | 14% | 13% |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 10.82 | 10.82 | 10.82 | 10.82 | 10.82 | 10.82 | 10.82 | 10.82 | 10.82 | 10.82 | 10.82 | 10.82 |
| Reserves | 10.52 | 12.37 | 14.56 | 16.38 | 19.21 | 21.84 | 24.28 | 29.05 | 33.99 | 39.64 | 46.19 | 52.56 |
| Borrowing | 23.87 | 67.29 | 24.68 | 16.08 | 68.31 | 170.00 | 158.81 | 253.08 | 264.49 | 244.94 | 332.05 | 381.83 |
| Other Liabilities | 2.34 | 3.32 | 3.77 | 3.15 | 2.24 | 3.42 | 4.24 | 7.40 | 5.97 | 6.45 | 4.73 | 5.87 |
| Total Liabilities | 47.55 | 93.80 | 53.83 | 46.43 | 100.58 | 206.08 | 198.15 | 300.35 | 315.27 | 301.85 | 393.79 | 451.08 |
| Fixed Assets | 0.00 | 0.47 | 0.32 | 0.22 | 0.15 | 0.11 | 0.00 | 1.61 | 1.11 | 1.49 | 1.03 | 1.83 |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 29.70 | 11.78 | 8.04 |
| Other Assets | 47.55 | 93.33 | 53.51 | 46.21 | 100.43 | 205.97 | 198.15 | 298.74 | 314.16 | 270.66 | 380.98 | 441.21 |
| Total Assets | 47.55 | 93.80 | 53.83 | 46.43 | 100.58 | 206.08 | 198.15 | 300.35 | 315.27 | 301.85 | 393.79 | 451.08 |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | 1.08 | 0.85 | 2.57 | 1.37 | 0.32 | 1.87 | 31.42 | -26.14 | -7.99 | 49.28 | 147.60 | -154.57 |
| Cash from Investing Activity | 0.00 | -0.51 | 0.00 | 0.00 | 0.00 | 0.00 | 0.09 | -1.99 | 0.00 | -30.59 | 17.92 | 2.59 |
| Cash from Financing Activity | -0.65 | -0.98 | -1.17 | -1.17 | -1.17 | -1.30 | -1.35 | -1.35 | -1.46 | -1.46 | -1.51 | -1.62 |
| Net Cash Flow | 0.43 | -0.64 | 1.40 | 0.20 | -0.85 | 0.57 | 30.16 | -29.49 | -9.45 | 17.23 | 164.00 | -153.60 |
| Free Cash Flow | 1.08 | 0.34 | 2.57 | 1.37 | 0.32 | 1.87 | 31.51 | -28.13 | -7.99 | 48.39 | 147.60 | -155.72 |
| CFO/OP | 31% | 14% | 33% | 26% | 29% | 22% | 160% | -76% | -19% | 114% | 462% | -440% |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 9.07% | 12.71% | 13.79% | 11.41% | 9.85% | 12.57% | 11.19% | 16.35% | 15.12% | 14.95% | 15.02% | 13.36% |
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 74.41% | 74.41% | 74.41% | 74.41% | 74.41% | 74.41% | 74.41% | 74.41% | 74.41% | 74.41% | 74.41% | 74.41% |
| DIIs | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.37% | 0.37% | 0.37% | 0.37% | 0.37% | 0.37% |
| Public | 25.60% | 25.59% | 25.58% | 25.58% | 25.59% | 25.59% | 25.21% | 25.21% | 25.21% | 25.21% | 25.21% | 25.21% |
| No. of Shareholders | 1,589 | 1,531 | 1,494 | 1,449 | 1,411 | 1,463 | 1,479 | 1,514 | 1,456 | 1,457 | 1,452 | 1,455 |
Fundamentals
Market Cap₹ 123 Cr.
Current Price₹ 114
Stock P/E14.8
Book Value₹ 58.6
ROCE8.20 %
ROE13.4 %
Dividend Yield1.36 %
Face Value₹ 10.0
Compounded Sales Growth (TTM)27%
Compounded Profit Growth (TTM)1%
Standalone figures.
Valuation
Market capRs 121 Cr
Enterprise valueRs 480 Cr
P/E (TTM)14.51x
Price to book1.91x
Price to sales3.13x
EV / EBITDA12.92x
EV / EBIT13.04x
EV / sales12.39x
Earnings yield6.89%
Dividend yield1.39%
P/E, 3-year average16.64x
P/B, 3-year average2.28x
P/E, 5-year average21.53x
P/B, 5-year average3.11x
Profitability
Operating margin (excl. other income)95.80%
Operating margin (incl. other income)95.64%
EBITDA margin95.94%
Pre-tax margin29.01%
Net profit margin21.54%
Net margin, latest quarter16.28%
ROE13.27%
ROCE8.18%
ROA1.89%
ROE, 3-year average14.41%
ROCE, 3-year average10.80%
ROA, 3-year average2.17%
ROE, 5-year average14.94%
ROCE, 5-year average11.01%
ROA, 5-year average2.21%
ROIC (approx.)6.47%
Tax rate25.74%
Other income / net worth-0.09%
Growth
Sales growth (latest year)8.53%
Profit growth (latest year)-0.99%
Sales CAGR, 3 years5.38%
Sales CAGR, 5 years11.40%
Profit CAGR, 3 years7.68%
Profit CAGR, 5 years16.09%
Sales growth QoQ4.59%
Profit growth QoQ9.09%
Sales growth YoY (latest quarter)27.73%
Profit growth YoY (latest quarter)21.43%
Per share
EPS (TTM)Rs 7.71
EPS (latest year)Rs 7.39
EPS (latest quarter)Rs 1.89
EPS, 3-year averageRs 7.14
EPS, 5-year averageRs 6.60
Book value per shareRs 58.59
Sales per shareRs 35.78
Cash flow per shareRs -142.88
Free cash flow per shareRs -143.95
Dividend per share (latest year)Rs 1.55
Dividend per share, 3-year averageRs 1.48
Dividend per share, 5-year averageRs 1.43
Dividends
Dividend payout21.03%
Dividend payout, 3-year average20.77%
Dividend payout, 5-year average21.79%
Efficiency
Asset turnover0.08x
Fixed asset turnover19.67x
Leverage
Total debtRs 382 Cr
Cash and bankRs 23 Cr
Net debtRs 359 Cr
Debt to equity6.02x
Net debt / EBITDA9.66x
Interest coverage1.44x
Owners' fund to total sources14.05%
Debt to assets84.65%
Cash flow
Cash from Operating Activity (latest year)Rs -155 Cr
Cash from Investing Activity (latest year)Rs 3 Cr
Cash from Financing Activity (latest year)Rs -2 Cr
Net Cash Flow (latest year)Rs -154 Cr
Free cash flow (latest year)Rs -156 Cr
FCFE (approx.: FCF + change in debt)Rs -106 Cr
Cash from ops / profit, 5 years0.23x
Statement figures
Net sales (TTM)Rs 39 Cr
Net sales (latest year)Rs 36 Cr
Sales (latest quarter)Rs 13 Cr
Operating profit excl. other income (latest year)Rs 34 Cr
Operating profit (latest quarter)Rs 12 Cr
Other income (TTM)Rs -0 Cr
EBITDA (TTM)Rs 37 Cr
PBDT (TTM)Rs 12 Cr
Profit before tax (TTM)Rs 11 Cr
Tax (latest year)Rs 3 Cr
Net profit (TTM)Rs 8 Cr
Net profit (latest year)Rs 8 Cr
Net profit (latest quarter)Rs 2 Cr
Depreciation (TTM)Rs 0 Cr
Depreciation (latest quarter)Rs 0 Cr
Interest (TTM)Rs 26 Cr
Cost of goods sold (latest year)Rs 0 Cr
Total expenditure (latest year)Rs 2 Cr
Total income (latest year)Rs 36 Cr
Share capitalRs 11 Cr
ReservesRs 53 Cr
Shareholders' fundsRs 63 Cr
Total assetsRs 451 Cr
Net blockRs 2 Cr
InvestmentsRs 8 Cr
Other liabilitiesRs 6 Cr
Shares outstanding (crore)1.08
Ownership
Promoter holding74.41% (+0.00 in a year)
Computed by MarketFriction from the standalone statements. Returns use average balances.
P/E 14.5 is at the 20th percentile of its own 9.4-year range
(median 21.3, low 9.7, high 82.7).
P/B 1.91 is at the 20th percentile (median 2.62).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
| Period | 535566 | Nifty 50 | Difference |
|---|---|---|---|
| 1 week | +1.4% | -2.8% | +4.2 pts |
| 1 month | +5.6% | -6.8% | +12.4 pts |
| 3 months | -8.8% | -7.6% | -1.1 pts |
| 3 years | -23.2% | +14.2% | -37.4 pts |
| 5 years | +179.8% | +27.9% | +151.9 pts |
Red flags
F-score 2 of 8| explain | High accruals Profit exceeded operating cash by 36% of total assets in 2026 |
| explain | Low interest cover Interest cover 1.5x in 2026 |
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.
Latest quarter
Jun 2026Revenue ₹13 Cr +27.7% vs Jun 2025.
Net profit ₹2 Cr +21.4%.
Activity
Compare| Company | Mcap (Cr) | P/E | ROCE |
|---|---|---|---|
| Bajaj Finance Ltd | 606,283 | 29.6 | 10.9 % |
| Shriram Finance Ltd | 228,598 | 20.2 | 11.5 % |
| Tata Capital Ltd | 140,654 | 25.9 | 8.58 % |
| Cholamandalam Investment & Finance Company Ltd | 139,031 | 24.2 | 9.71 % |
| Muthoot Finance Ltd | 109,874 | 9.66 | 15.8 % |
| L&T Finance Ltd | 67,935 | 21.2 | 8.40 % |
| SBI Cards & Payment Services Ltd | 55,290 | 24.3 | 10.1 % |
| HDB Financial Services Ltd | 52,415 | 19.0 | 9.09 % |
| Sundaram Finance Ltd | 48,161 | 21.2 | 9.44 % |
| Authum Investment & Infrastructure Ltd | 46,011 | 22.0 | 13.6 % |
| Mahindra & Mahindra Financial Services Ltd | 45,035 | 13.5 | 8.72 % |
| Poonawalla Fincorp Ltd | 39,011 | 49.6 | 7.51 % |
| Manappuram Finance Ltd | 29,725 | 20.5 | 8.25 % |
| IIFL Finance Ltd | 25,929 | 12.3 | 10.9 % |
| Capri Global Capital Ltd | 23,756 | 21.1 | 11.7 % |
No bulk or block deals on record.
No corporate actions on record.
No announcements in our files yet.
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Not on any NSE surveillance list in the latest file.
Quick answers
What is the market cap of KIFS Financial Services Ltd?
KIFS Financial Services Ltd (535566) has a market capitalisation of Rs 123 Cr. at the 2026-10-01 close.
What is the P/E ratio of KIFS Financial Services Ltd?
KIFS Financial Services Ltd trades at a P/E of 14.8 on trailing twelve-month profit, at the 2026-10-01 close.
What were KIFS Financial Services Ltd's latest quarterly results?
In the Jun 2026 quarter, KIFS Financial Services Ltd revenue was Rs 13 Cr (+27.7% vs Jun 2025) and net profit was Rs 2 Cr.