WEBSITE BSE:526869 NSE: KUMBHAT FIN. Inc. Year: 1993 Industry: Finance - NBFC My Bucket: Add Stock
Last updated: 11:18
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Kumbhat Financial Services Ltd. is a non-banking financial company (NBFC) engaged in financial and investment-related activities, primarily focusing on lending, financing, and managing financial assets. The company operates within India’s regulated NBFC framework and its business is influenced by factors such as credit demand, interest rate movements, liquidity conditions, and regulatory guidelines issued by the Reserve Bank of India. Kumbhat Financial Services’ model centers on prudent capital deployment and risk management, as maintaining...Read More
Kumbhat Financial Services Ltd. is a non-banking financial company (NBFC) engaged in financial and investment-related activities, primarily focusing on lending, financing, and managing financial assets. The company operates within India’s regulated NBFC framework and its business is influenced by factors such as credit demand, interest rate movements, liquidity conditions, and regulatory guidelines issued by the Reserve Bank of India. Kumbhat Financial Services’ model centers on prudent capital deployment and risk management, as maintaining asset quality and adequate capitalization is critical for sustainable operations. As a relatively smaller player in the financial services space, the company’s growth and performance depend on its ability to scale responsibly, manage credit risk effectively, and navigate competitive as well as regulatory dynamics within the Indian financial sector. ...Read Less
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Market Cap ₹11 Cr.
Stock P/E 7.8
P/B 2.1
Current Price ₹19.8
Book Value ₹ 9.3
Face Value 10
52W High ₹28
Dividend Yield 0%
52W Low ₹ 16.7
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 2 | 2 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Income | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 2 | 2 |
| Total Expenditure | 0 | 0 | 2 | 0 | 0 | 1 | -1 | 1 | 1 | 2 |
| Operating Profit | 0 | 0 | -2 | 0 | 0 | -0 | 2 | 1 | 1 | 0 |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 0 | 0 | -2 | 0 | 0 | -0 | 2 | 0 | 0 | -1 |
| Provision for Tax | 0 | 0 | 0 | 0 | 0 | -0 | 0 | 0 | 0 | 0 |
| Profit After Tax | 0 | 0 | -2 | 0 | 0 | -0 | 2 | 0 | 0 | -1 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 0 | 0 | -2 | 0 | 0 | -0 | 2 | 0 | 0 | -1 |
| Adjusted Earnings Per Share | 0.2 | 0.1 | -4.2 | 0 | 0.2 | -0.7 | 3.1 | 0.2 | 0.1 | -1 |
| #(Fig in Cr.) | Mar 2013 | Mar 2014 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 | 6 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 |
| Total Income | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 4 | 6 |
| Total Expenditure | 0 | 0 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 2 | 2 | 3 |
| Operating Profit | 0 | 0 | 0 | 0 | -1 | 0 | -1 | 0 | 0 | -2 | 2 | 4 |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 0 | 0 | 0 | 0 | -1 | 0 | -1 | 0 | 0 | -2 | 2 | 1 |
| Provision for Tax | 0 | 0 | 0 | 0 | 0 | -0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Tax | 0 | 0 | -0 | 0 | -1 | 0 | -1 | 0 | 0 | -2 | 1 | 1 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 0 | 0 | -0 | 0 | -1 | 0 | -1 | 0 | 0 | -2 | 1 | 1 |
| Adjusted Earnings Per Share | 0.1 | 0.1 | -0 | 0 | -1.3 | 0.5 | -1.8 | 0.2 | 0.2 | -3.8 | 2.5 | 2.4 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 100% | 0% | 0% | 0% |
| Operating Profit CAGR | 0% | 0% | 0% | 0% |
| PAT CAGR | 0% | 0% | 0% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -26% | 6% | 26% | 24% |
| ROE Average | 34% | -5% | -6% | -3% |
| ROCE Average | 21% | -9% | -8% | -4% |
| #(Fig in Cr.) | Mar 2013 | Mar 2014 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 6 | 6 | 6 | 6 | 5 | 5 | 4 | 4 | 4 | 3 | 5 |
| 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 | 14 |
| Current Liability | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 |
| Other Liabilities & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | -0 | -0 | -0 | 0 | 0 |
| Total Liabilities | 6 | 7 | 6 | 6 | 5 | 5 | 4 | 4 | 4 | 3 | 22 |
| Loans | 5 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 18 |
| Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Fixed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 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 | 1 | 0 | 6 | 6 | 5 | 5 | 4 | 4 | 4 | 1 | 4 |
| Total Assets | 6 | 7 | 6 | 6 | 5 | 5 | 4 | 4 | 4 | 3 | 22 |
| #(Fig in Cr.) | Mar 2013 | Mar 2014 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash Flow from Operating Activities | 0 | -0 | 0 | -0 | -1 | 0 | -4 | 1 | 3 | -0 | -12 |
| Cash Flow from Investing Activities | 0 | 0 | 0 | 0 | -0 | -0 | 0 | -0 | -0 | 0 | 0 |
| Cash Flow from Financing Activities | -0 | -0 | 0 | 0 | 1 | 0 | 4 | -1 | -3 | 0 | 16 |
| Net Cash Inflow / Outflow | 0 | -0 | 0 | -0 | -0 | 0 | -0 | -0 | 0 | -0 | 4 |
| Closing Cash & Cash Equivalent | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4 |
| # | Mar 2013 | Mar 2014 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 0.11 | 0.07 | -0.02 | 0.04 | -1.29 | 0.46 | -1.85 | 0.16 | 0.2 | -3.77 | 2.55 |
| CEPS(Rs) | 0.13 | 0.09 | -0.02 | 0.04 | -1.29 | 0.46 | -1.85 | 0.16 | 0.21 | -3.76 | 2.56 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 13.03 | 13.11 | 12.87 | 12.92 | 10.35 | 10.8 | 8.96 | 9.12 | 9.32 | 5.55 | 9.94 |
| Net Profit Margin | 11.25 | 7.99 | -1.88 | 4.42 | -133.18 | 48.33 | -517.15 | 23.73 | 28.97 | -290 | 66.72 |
| Operating Margin | 15.54 | 21.35 | 0.98 | 46.05 | -126.82 | 48.36 | -512.55 | 26.24 | 33.18 | -278.14 | 116.21 |
| PBT Margin | 15.07 | 21.2 | 0.97 | 46.05 | -126.87 | 48.2 | -512.91 | 26.2 | 33.12 | -278.28 | 80.15 |
| ROA(%) | 0.8 | 0.53 | -0.11 | 0.33 | -10.82 | 4.29 | -18.54 | 1.77 | 2.2 | -50.25 | 11.11 |
| ROE(%) | 0.84 | 0.56 | -0.12 | 0.34 | -11.11 | 4.33 | -18.7 | 1.77 | 2.2 | -50.76 | 34.26 |
| ROCE(%) | 1.15 | 1.47 | 0.06 | 3.47 | -10.44 | 4.34 | -18.53 | 1.95 | 2.52 | -48.69 | 20.64 |
| Price/Earnings(x) | 20.8 | 27 | 0 | 0 | 0 | 0 | 0 | 50.19 | 89.49 | 0 | 7.26 |
| Price/Book(x) | 0.17 | 0.15 | 0 | 0 | 0 | 0 | 0.69 | 0.88 | 1.95 | 2.87 | 1.86 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 2.13 | 2.07 | 11.83 | 10.46 | 10.29 | 9.59 | -6.79 | 2.32 | 24.5 | 12.09 | 10.34 |
| EV/Core EBITDA(x) | 12.18 | 8.95 | 1201.41 | 22.71 | -8.12 | 19.68 | 1.33 | 8.79 | 72.45 | -4.36 | 8.88 |
| Interest Earned Growth(%) | 26.66 | -6.7 | -10.24 | 20.27 | -1.2 | -2.26 | -62.32 | 88.45 | 3.94 | 85.92 | 229.47 |
| Net Profit Growth | -42.07 | -33.76 | -121.12 | 382.96 | -3076.34 | 135.47 | -503.12 | 108.65 | 26.88 | -1961.06 | 175.8 |
| EPS Growth(%) | -42.1 | -33.76 | -121.07 | 383.72 | -3076.34 | 135.47 | -503.14 | 108.65 | 26.85 | -1961.42 | 167.58 |
| Interest Coverage(x) % | 33.07 | 139.92 | 59.85 | 0 | -2922 | 311.14 | -1449.67 | 839 | 551.5 | -1909.89 | 3.22 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 15.25 | 15.25 | 15.26 | 15.32 | 15.32 | 24.5 | 24.5 | 24.5 | 24.82 | 24.82 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 84.75 | 84.75 | 84.74 | 84.68 | 84.68 | 75.5 | 75.5 | 75.5 | 75.18 | 75.18 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 | 0.13 | 0.13 | 0.13 | 0.13 | 0.13 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 0.48 | 0.48 | 0.48 | 0.48 | 0.48 | 0.53 | 0.53 | 0.53 | 0.53 | 0.53 |
* The pros and cons are machine generated.
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