Market Cap ₹12833 Cr.
Stock P/E 52.0
P/B 11.2
Current Price ₹749.9
Book Value ₹ 66.7
Face Value 10
52W High ₹821
Dividend Yield 0.77%
52W Low ₹ 306.1
KFin Technologies Ltd (formerly known as Karvy Fintech) is a leading provider of digital transformation solutions and services to the financial services industry. The company offers a wide range of services, including investor and issuer services, mutual fund services, alternative investment fund services, and digital transformation services. KFin Technologies has a global presence, with operations in India, the United States, the Middle East, and Africa. The company has established itself as a trusted partner for financial institutions and has been recognized for its innovative solutions and customer-centric approach. KFin Technologies is a subsidiary of the KFintech Group, which is backed by leading private equity firm General Atlantic and Singapore-based investment firm GIC.
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| #(Fig in Cr.) | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Sales | 168 | 181 | 169 | 180 | 188 | 183 | 182 | 209 | 219 | 228 |
| Other Income | 2 | 1 | 3 | 2 | 6 | 6 | 5 | 6 | 6 | 7 |
| Total Income | 170 | 182 | 171 | 183 | 194 | 189 | 187 | 215 | 225 | 235 |
| Total Expenditure | 94 | 97 | 106 | 109 | 107 | 99 | 111 | 115 | 121 | 124 |
| Operating Profit | 76 | 85 | 65 | 73 | 87 | 90 | 76 | 100 | 104 | 111 |
| Interest | 26 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 1 | 1 |
| Depreciation | 9 | 10 | 11 | 11 | 13 | 11 | 12 | 13 | 13 | 15 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 41 | 72 | 51 | 60 | 71 | 76 | 60 | 84 | 90 | 95 |
| Provision for Tax | 11 | 21 | 14 | 12 | 18 | 19 | 16 | 22 | 23 | 20 |
| Profit After Tax | 30 | 51 | 37 | 48 | 53 | 57 | 44 | 62 | 67 | 76 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | -1 | -0 | -0 | -1 |
| Profit After Adjustments | 30 | 51 | 37 | 48 | 53 | 57 | 43 | 61 | 67 | 74 |
| Adjusted Earnings Per Share | 1.8 | 3 | 2.2 | 2.9 | 3.2 | 3.4 | 2.6 | 3.6 | 3.9 | 4.4 |
| #(Fig in Cr.) | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM |
|---|---|---|---|---|---|---|
| Net Sales | 162 | 450 | 481 | 640 | 720 | 838 |
| Other Income | 2 | 5 | 5 | 7 | 21 | 24 |
| Total Income | 165 | 455 | 486 | 646 | 741 | 862 |
| Total Expenditure | 97 | 291 | 269 | 352 | 425 | 471 |
| Operating Profit | 68 | 164 | 218 | 294 | 316 | 391 |
| Interest | 20 | 53 | 52 | 53 | 11 | 8 |
| Depreciation | 34 | 92 | 98 | 37 | 47 | 53 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 14 | 19 | 68 | 204 | 258 | 329 |
| Provision for Tax | 5 | 14 | 132 | 55 | 62 | 81 |
| Profit After Tax | 9 | 5 | -65 | 149 | 196 | 249 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | -2 |
| Profit After Adjustments | 9 | 5 | -65 | 149 | 196 | 245 |
| Adjusted Earnings Per Share | 0.5 | 0.3 | -4.3 | 8.9 | 11.6 | 14.5 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 13% | 17% | 0% | 0% |
| Operating Profit CAGR | 7% | 24% | 0% | 0% |
| PAT CAGR | 32% | 240% | 0% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 142% | NA% | NA% | NA% |
| ROE Average | 26% | 13% | 8% | 8% |
| ROCE Average | 30% | 27% | 19% | 19% |
| #(Fig in Cr.) | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|
| Shareholder's Funds | 519 | 410 | 346 | 644 | 870 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 373 | 343 | 294 | 123 | 0 |
| Other Non-Current Liabilities | 16 | 36 | 205 | 204 | 192 |
| Total Current Liabilities | 163 | 142 | 216 | 241 | 433 |
| Total Liabilities | 1071 | 931 | 1062 | 1212 | 1496 |
| Fixed Assets | 732 | 691 | 630 | 669 | 691 |
| Other Non-Current Assets | 16 | 47 | 90 | 125 | 129 |
| Total Current Assets | 322 | 193 | 342 | 418 | 676 |
| Total Assets | 1071 | 931 | 1062 | 1212 | 1496 |
| #(Fig in Cr.) | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 0 | 23 | 12 | 23 | 45 |
| Cash Flow from Operating Activities | 63 | 101 | 204 | 253 | 223 |
| Cash Flow from Investing Activities | -864 | 93 | -103 | -115 | -204 |
| Cash Flow from Financing Activities | 775 | -206 | -89 | -115 | 7 |
| Net Cash Inflow / Outflow | -26 | -12 | 12 | 22 | 26 |
| Closing Cash & Cash Equivalent | 23 | 12 | 23 | 45 | 72 |
| # | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 0.54 | 0.3 | -4.28 | 8.86 | 11.57 |
| CEPS(Rs) | 2.58 | 6.41 | 2.22 | 11.07 | 14.32 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 31.31 | 27.04 | 22.77 | 37.73 | 50.56 |
| Core EBITDA Margin(%) | 40.44 | 35.27 | 44.15 | 44.91 | 40.97 |
| EBIT Margin(%) | 21.01 | 15.97 | 24.84 | 40.18 | 37.35 |
| Pre Tax Margin(%) | 8.53 | 4.11 | 14.03 | 31.9 | 35.86 |
| PAT Margin (%) | 5.51 | 1.01 | -13.41 | 23.23 | 27.18 |
| Cash Profit Margin (%) | 26.38 | 21.5 | 6.96 | 29.02 | 33.67 |
| ROA(%) | 0.84 | 0.45 | -6.47 | 13.06 | 14.46 |
| ROE(%) | 1.72 | 0.98 | -17.17 | 30.45 | 26.31 |
| ROCE(%) | 3.76 | 8.49 | 16.18 | 35.22 | 30.44 |
| Receivable days | 197.77 | 71.53 | 75.45 | 63.69 | 60.61 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 |
| Payable days | 0 | 0 | 0 | 0 | 0 |
| PER(x) | 0 | 0 | 0 | 0 | 24.2 |
| Price/Book(x) | 0 | 0 | 0 | 0 | 5.54 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 3.08 | 1.13 | 0.98 | 0.38 | 6.64 |
| EV/Core EBITDA(x) | 7.37 | 3.1 | 2.18 | 0.83 | 15.14 |
| Net Sales Growth(%) | 0 | 176.97 | 6.95 | 32.91 | 12.59 |
| EBIT Growth(%) | 0 | 110.58 | 66.33 | 115.01 | 4.66 |
| PAT Growth(%) | 0 | -49.49 | -1526.23 | 330.28 | 31.77 |
| EPS Growth(%) | 0 | -44.48 | -1526.45 | 307.29 | 30.47 |
| Debt/Equity(x) | 0.75 | 0.92 | 1.01 | 0.19 | 0.15 |
| Current Ratio(x) | 1.98 | 1.36 | 1.58 | 1.74 | 1.56 |
| Quick Ratio(x) | 1.98 | 1.36 | 1.58 | 1.74 | 1.56 |
| Interest Cover(x) | 1.68 | 1.35 | 2.3 | 4.85 | 25.09 |
| Total Debt/Mcap(x) | 0 | 0 | 0 | 0 | 0.03 |
| # | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|---|
| Promoter | 49.91 | 49.42 | 49.22 | 49.12 | 39.05 | 38.97 |
| FII | 8.36 | 8.04 | 8.07 | 9.22 | 12.13 | 16.73 |
| DII | 23.61 | 23.56 | 23.42 | 22.05 | 24.64 | 20.98 |
| Public | 18.11 | 18.98 | 19.29 | 19.61 | 24.18 | 23.32 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|---|
| Promoter | 8.36 | 8.36 | 8.36 | 8.36 | 6.66 | 6.66 |
| FII | 1.4 | 1.36 | 1.37 | 1.57 | 2.07 | 2.86 |
| DII | 3.96 | 3.99 | 3.98 | 3.75 | 4.2 | 3.59 |
| Public | 3.04 | 3.21 | 3.28 | 3.34 | 4.13 | 3.99 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 16.76 | 16.92 | 16.99 | 17.03 | 17.06 | 17.1 |
Pros
Cons
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