K Z Leasing & Finance Ltd

₹ 17.0 4.95%
27 Jan - close price
Company website BSE: 511728
About

Incorporated in 1986, KZ Leasing & Finance is engaged in the business of providing Financial Services.

Key Points

Business Overview:[1]
Company has a certificate of registration from Reserve Bank of India to carry the business of finance as a Non Banking Financial Company. It has been categorized as Category ‘A’ Loan Company, accepting deposits.

Website BSE
  • Market Cap ₹ 5.15 Cr.
  • Current Price ₹ 17.0
  • High / Low ₹ 23.0 / 13.5
  • Stock P/E 14.7
  • Book Value ₹ 54.0
  • Dividend Yield 0.00 %
  • ROCE 3.47 %
  • ROE 1.27 %
  • Face Value ₹ 10.0
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Pros

  • Company has reduced debt.
  • Stock is trading at 0.31 times its book value

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Promoter holding is low: 30.0%
  • Company has a low return on equity of 1.42% over last 3 years.

* 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.

Peer comparison

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022
0.43 0.24 0.32 0.31 0.40 0.28 0.56 0.80 0.89 -0.01 0.36 0.57 0.61
0.11 0.13 0.11 0.16 0.13 0.25 0.41 0.18 0.15 0.21 0.20 0.18 0.21
Operating Profit 0.32 0.11 0.21 0.15 0.27 0.03 0.15 0.62 0.74 -0.22 0.16 0.39 0.40
OPM % 74.42% 45.83% 65.62% 48.39% 67.50% 10.71% 26.79% 77.50% 83.15% 44.44% 68.42% 65.57%
0.00 0.00 0.00 0.00 -0.09 0.00 0.00 0.00 -0.53 0.00 0.00 0.00 0.00
Interest 0.07 0.11 0.13 0.13 0.12 0.13 0.15 0.14 0.12 0.13 0.09 0.08 0.07
Depreciation 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Profit before tax 0.25 0.00 0.08 0.02 0.06 -0.10 0.00 0.48 0.09 -0.35 0.07 0.31 0.33
Tax % 20.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Net Profit 0.20 0.05 0.08 0.01 0.06 -0.10 0.00 0.48 0.09 -0.35 0.07 0.31 0.32
EPS in Rs 0.66 0.16 0.26 0.03 0.20 -0.33 0.00 1.58 0.30 -1.15 0.23 1.02 1.05
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 TTM
1.07 0.56 0.79 1.17 0.82 0.74 0.89 1.00 0.87 1.12 1.31 2.24 1.53
0.26 0.22 0.59 0.79 0.36 0.39 0.52 0.72 0.52 0.49 0.65 1.46 0.80
Operating Profit 0.81 0.34 0.20 0.38 0.46 0.35 0.37 0.28 0.35 0.63 0.66 0.78 0.73
OPM % 75.70% 60.71% 25.32% 32.48% 56.10% 47.30% 41.57% 28.00% 40.23% 56.25% 50.38% 34.82% 47.71%
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Interest 0.14 0.21 0.06 0.06 0.14 0.22 0.19 0.13 0.30 0.36 0.51 0.55 0.37
Depreciation 0.00 0.00 0.00 0.00 0.00 0.01 0.00 0.00 0.00 0.01 0.01 0.01 0.00
Profit before tax 0.67 0.13 0.14 0.32 0.32 0.12 0.18 0.15 0.05 0.26 0.14 0.22 0.36
Tax % 16.42% 23.08% 21.43% 18.75% 21.88% 0.00% 50.00% 6.67% -20.00% 7.69% 0.00% 0.00%
Net Profit 0.56 0.09 0.11 0.26 0.24 0.12 0.09 0.13 0.05 0.24 0.15 0.22 0.35
EPS in Rs 1.84 0.30 0.36 0.85 0.79 0.39 0.30 0.43 0.16 0.79 0.49 0.72 1.15
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: 15%
5 Years: 20%
3 Years: 37%
TTM: -40%
Compounded Profit Growth
10 Years: 9%
5 Years: 20%
3 Years: 64%
TTM: -65%
Stock Price CAGR
10 Years: 11%
5 Years: 8%
3 Years: 33%
1 Year: -26%
Return on Equity
10 Years: 2%
5 Years: 1%
3 Years: 1%
Last Year: 1%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Sep 2022
3.04 3.04 3.04 3.04 3.04 3.04 3.04 3.04 3.04 3.04 3.04 3.04 3.04
Reserves 3.71 3.89 4.28 5.03 5.28 5.42 5.51 5.08 9.10 8.33 13.42 15.04 13.39
3.11 2.42 0.72 0.29 1.92 1.77 0.33 0.76 2.94 3.69 5.67 4.19 3.62
0.21 0.07 0.08 0.13 0.12 0.02 0.06 0.09 2.93 3.40 1.96 3.32 4.54
Total Liabilities 10.07 9.42 8.12 8.49 10.36 10.25 8.94 8.97 18.01 18.46 24.09 25.59 24.59
0.07 0.06 0.05 0.06 0.05 0.04 0.04 0.05 0.05 0.04 0.04 0.06 0.06
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 0.00
Investments 2.03 2.06 2.02 2.04 4.28 4.33 3.10 2.60 8.60 7.77 13.67 15.30 12.27
7.97 7.30 6.05 6.39 6.03 5.88 5.80 6.32 9.36 10.65 10.38 10.23 12.26
Total Assets 10.07 9.42 8.12 8.49 10.36 10.25 8.94 8.97 18.01 18.46 24.09 25.59 24.59

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
-2.78 0.20 0.90 -0.19 -0.42 -0.60 -0.44 -0.48 -0.35 -0.25 -0.52 -0.44
0.91 0.34 0.80 -2.36 1.83 -0.26 1.88 -0.20 -3.03 -1.61 0.60 2.21
1.53 -0.59 -1.67 -0.45 1.61 -0.14 -1.46 0.19 3.89 1.47 -0.08 -1.50
Net Cash Flow -0.34 -0.05 0.03 -3.00 3.02 -1.00 -0.02 -0.49 0.51 -0.40 -0.01 0.27

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Debtor Days 0.00 0.00 0.00 9.36 0.00 0.00 4.10 0.00 0.00 0.00 22.29 14.67
Inventory Days
Days Payable
Cash Conversion Cycle 0.00 0.00 0.00 9.36 0.00 0.00 4.10 0.00 0.00 0.00 22.29 14.67
Working Capital Days -30.70 52.14 27.72 -9.36 -44.51 19.73 8.20 -3.65 -612.53 -746.29 -30.65 -6.52
ROCE % 9.44% 3.54% 2.30% 4.63% 4.95% 3.32% 3.87% 3.15% 2.92% 4.11% 3.50% 3.47%

Shareholding Pattern

Numbers in percentages

2 recently
Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022
25.40 25.40 25.80 26.09 27.00 27.85 27.85 29.55 29.70 29.70 29.97 29.97
74.60 74.60 74.20 73.91 73.00 72.15 72.15 70.45 70.30 70.30 70.03 70.02

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