KIFS Financial Serv

₹159.7 9.8 | 6.5%

WEBSITE BSE:535566 NSE : KIFS FSL 17 May, 09:59

Market Cap ₹173 Cr.

Stock P/E 31.5

P/B 3.5

Current Price ₹159.7

Book Value ₹ 45.7

Face Value 10

52W High ₹230.6

Dividend Yield 0.85%

52W Low ₹ 92

Edit Ratio

KIFS Financial Serv Research see more...

Overview Inc. Year: 1995Industry: Finance - NBFC

KIFS Financial Services Ltd is a prominent financial institution dedicated to providing a wide array of financial solutions to individuals and businesses. Established with a vision of financial empowerment, KIFS has earned a stellar reputation for its comprehensive suite of services, including wealth management, investment advisory, insurance, and lending solutions. With a commitment to excellence and customer-centricity, KIFS Financial Services Ltd has become a trusted partner in achieving financial goals. Their team of experienced professionals offers personalized financial advice and strategies tailored to meet diverse needs, from investment planning to retirement solutions. KIFS prides itself on staying at the forefront of financial innovation and adheres to strict ethical standards, ensuring transparency and trustworthiness in all their interactions. This steadfast dedication has made KIFS Financial Services Ltd a leading player in the financial services industry, consistently delivering value and financial well-being to its clients.

KIFS Financial Serv Share Price

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Peer Comparison

KIFS Financial Serv Quarterly Results

#(Fig in Cr.)	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Jun 2023	Sep 2023	Dec 2023
Operating Revenue	5	7	10	11	7	7	7	8	8	14
Other Income	0	0	0	0	0	0	0	0	0	0
Total Income	5	7	10	11	7	7	7	8	8	14
Total Expenditure	0	0	0	1	0	0	0	0	0	0
Operating Profit	5	7	10	10	7	7	7	8	8	13
Interest Expense	3	5	8	6	5	5	6	6	6	11
Depreciation	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	1	2	2	4	2	2	1	2	2	2
Provision for Tax	0	0	0	1	0	1	0	0	1	0
Profit After Tax	1	1	1	3	1	2	1	1	2	1
Adjustments	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	1	1	1	3	1	2	1	1	2	1
Adjusted Earnings Per Share	0.8	1.3	1.1	2.4	1.2	1.5	0.8	1.3	1.6	1.3

KIFS Financial Serv Profit & Loss

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Operating Revenue	2	5	4	7	8	6	6	16	21	33	31	37
Other Income	0	0	0	0	0	0	0	0	0	0	0	0
Total Income	2	5	4	7	8	6	6	16	21	33	31	37
Total Expenditure	0	0	0	1	1	1	1	1	1	1	1	0
Operating Profit	2	4	3	6	8	5	5	15	21	32	30	36
Interest Expense	0	2	1	2	3	1	1	10	15	23	21	29
Depreciation	0	0	0	0	0	0	0	0	0	0	1	0
Profit Before Tax	1	2	3	4	5	4	4	5	5	8	9	7
Provision for Tax	0	1	1	1	2	1	1	1	1	2	2	1
Profit After Tax	1	2	2	3	3	3	3	4	4	6	6	5
Adjustments	0	0	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	1	2	2	3	3	3	3	4	4	6	6	5
Adjusted Earnings Per Share	0	1.5	1.7	2.6	3.1	2.8	2.6	3.6	3.5	5.7	5.9	5

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	-6%	25%	39%	32%
Operating Profit CAGR	-6%	26%	43%	31%
PAT CAGR	0%	14%	15%	20%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	64%	59%	21%	22%
ROE Average	15%	14%	13%	12%
ROCE Average	10%	11%	10%	11%

KIFS Financial Serv Balance Sheet

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Shareholder's Funds	19	20	21	23	25	27	30	33	35	40	45
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Borrowings	0	0	0	0	0	0	0	0	0	0	0
Current Liability	1	4	26	71	28	19	71	173	163	260	270
Other Liabilities & Provisions	0	0	-0	-0	-0	-0	-0	-0	0	1	1
Total Liabilities	20	24	48	94	54	46	101	206	198	300	315
Loans	0	0	0	0	0	0	0	0	0	0	0
Investments	0	0	0	0	0	0	0	0	0	0	0
Fixed Assets	0	0	0	0	0	0	0	0	0	2	1
Other Loans	0	0	0	0	0	0	0	0	0	0	0
Other Non Current Assets	0	0	0	0	0	0	0	0	0	0	0
Current Assets	20	24	47	93	53	46	100	206	198	299	314
Total Assets	20	24	48	94	54	46	101	206	198	300	315

KIFS Financial Serv Cash Flow

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	3	3	3	4	3	4	5	4	4	34	5
Cash Flow from Operating Activities	-2	1	1	1	3	1	0	2	31	-26	-8
Cash Flow from Investing Activities	10	-0	-0	-1	0	0	0	0	0	-2	0
Cash Flow from Financing Activities	-8	-1	-1	-1	-1	-1	-1	-1	-1	-1	-1
Net Cash Inflow / Outflow	0	-0	0	-1	1	0	-1	1	30	-29	-9
Closing Cash & Cash Equivalent	3	3	4	3	4	5	4	4	34	5	-4

KIFS Financial Serv Ratios

#	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Earnings Per Share (Rs)	0	1.48	1.74	2.61	3.1	2.77	2.61	3.64	3.5	5.66	5.91
CEPS(Rs)	0.98	1.48	1.74	2.65	3.24	2.87	2.67	3.69	3.52	6.01	6.38
DPS(Rs)	0.5	0.5	0.5	0.75	0.9	0.9	1	1.25	1.25	1.35	1.35
Book NAV/Share(Rs)	0	18.54	19.7	21.42	23.45	25.15	27.76	30.19	32.44	36.86	41.42
Net Profit Margin	58.41	33.79	49.45	39.56	39.53	49.61	47.91	25.26	18.09	18.73	20.82
Operating Margin	87.46	94.2	90.26	86.74	91.39	86.11	87.92	94.98	98.14	95.9	95.54
PBT Margin	81.17	50.1	73.62	59.45	58.23	68.57	68.52	33.82	24.26	25.13	27.97
ROA(%)	5.82	7.28	5.27	4	4.54	5.99	3.84	2.57	1.87	2.46	2.08
ROE(%)	7.74	8.19	9.1	12.71	13.81	11.42	9.87	12.57	11.18	16.34	15.11
ROCE(%)	9.22	21.61	10.19	9.14	11.03	11.16	7.32	9.84	10.36	12.89	9.75
Price/Earnings(x)	0	17.04	14.94	13.18	11.79	31.07	24.48	13.46	11.71	41.69	16.07
Price/Book(x)	0	1.36	1.32	1.61	1.56	3.43	2.3	1.62	1.26	6.41	2.29
Dividend Yield(%)	0	1.98	1.92	2.18	2.46	1.04	1.56	2.55	3.05	0.57	1.42
EV/Net Sales(x)	4.12	5.55	12.7	14.22	7.05	17.32	22.68	14.03	8.06	15.39	12.1
EV/Core EBITDA(x)	4.71	5.89	14.06	16.28	7.57	19.72	25.46	14.72	8.2	15.86	12.45
Interest Earned Growth(%)	-23.64	160.28	-19.75	87.63	18.72	-28.68	-2.57	164.56	34.24	56.28	-6.09
Net Profit Growth	-34.45	50.56	17.45	50.13	18.63	-10.5	-5.9	39.48	-3.86	61.76	4.41
EPS Growth(%)	0	0	17.45	50.13	18.63	-10.5	-5.9	39.48	-3.86	61.76	4.41
Interest Coverage(x) %	13.91	2.14	5.42	3.18	2.76	4.91	4.53	1.55	1.33	1.36	1.41

KIFS Financial Serv Shareholding Pattern

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	74.41	74.41	74.41	74.41	74.41	74.41	74.41	74.41	74.41	74.41
FII	0	0	0	0	0	0	0	0	0	0
DII	0	0	0	0	0	0	0	0	0	0
Public	25.59	25.59	25.59	25.59	25.59	25.59	25.59	25.59	25.59	25.59
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	0.81	0.81	0.81	0.81	0.81	0.81	0.81	0.81	0.81	0.81
FII	0	0	0	0	0	0	0	0	0	0
DII	0	0	0	0	0	0	0	0	0	0
Public	0.28	0.28	0.28	0.28	0.28	0.28	0.28	0.28	0.28	0.28
Others	0	0	0	0	0	0	0	0	0	0
Total	1.08	1.08	1.08	1.08	1.08	1.08	1.08	1.08	1.08	1.08

Pros

Cons

Company has a low return on equity of 14% over the last 3 years.
Stock is trading at 3.5 times its book value.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.