KEN Financial Services Ltd

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KEN Fin.Serv. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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KEN Financial Services Ltd

₹ 14.5 -4.54%
18 Sep - close price
ken-fin.com BSE: 530547
About

Incorporated in 1994, Ken Finance Service Ltd is in the business of financing[1]

Key Points

Business Overview:[1]
a) KFSL is a non-systemically important non-deposit taking non-banking financial company.
b) It is also an Investment and Credit Company
c) Company is engaged in the business of financing.
d) Company has a diversified lending portfolio across retail, SMEs and commercial customers with significant presence in urban and rural India.
e) It accepts public and corporate deposits and offers variety of financial services products to its customers.

Website BSE
  • Market Cap ₹ 4.35 Cr.
  • Current Price ₹ 14.5
  • High / Low ₹ 16.8 / 8.64
  • Stock P/E 9.26
  • Book Value ₹ 25.7
  • Dividend Yield 0.00 %
  • ROCE 6.36 %
  • ROE 5.75 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.56 times its book value

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • The company has delivered a poor sales growth of -35.6% over past five years.
  • Promoter holding is low: 1.40%
  • Company has a low return on equity of 2.75% over last 3 years.
  • Contingent liabilities of Rs.7.14 Cr.
  • Company might be capitalizing the interest cost
  • Earnings include an other income of Rs.4.95 Cr.

* 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

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Quarterly Results

Figures in Rs. Crores

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
0.14 0.15 0.15 0.15 0.15 0.14 0.14 0.17 0.54 0.11 0.20 0.15 1.27
Interest 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.04 0.00 0.07 0.11 0.20
0.10 0.06 0.04 0.07 0.08 0.04 0.05 0.11 0.31 0.07 0.07 4.69 0.81
Financing Profit -0.01 0.04 0.06 0.03 0.02 0.05 0.04 0.01 0.19 0.04 0.06 -4.65 0.26
Financing Margin % -7.14% 26.67% 40.00% 20.00% 13.33% 35.71% 28.57% 5.88% 35.19% 36.36% 30.00% -3,100.00% 20.47%
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.03 0.00 -0.01 4.96 0.00
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 -0.01 0.04 0.06 0.03 0.02 0.05 0.04 0.01 0.22 0.04 0.05 0.31 0.26
Tax % 0.00% 25.00% 16.67% 66.67% 0.00% 20.00% 25.00% 0.00% 27.27% 25.00% 40.00% 29.03% 23.08%
-0.01 0.03 0.05 0.01 0.01 0.04 0.03 0.01 0.15 0.03 0.03 0.22 0.19
EPS in Rs -0.03 0.10 0.17 0.03 0.03 0.13 0.10 0.03 0.50 0.10 0.10 0.73 0.63
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
0.06 0.16 0.75 0.33 2.11 17.68 9.00 7.23 7.83 0.58 0.60 1.00 1.73
Interest 0.00 0.00 0.00 0.00 0.00 0.27 0.79 1.02 0.61 0.18 0.18 0.21 0.38
0.09 0.12 0.75 0.22 1.82 15.53 7.60 5.21 6.30 0.27 0.31 5.15 5.64
Financing Profit -0.03 0.04 0.00 0.11 0.29 1.88 0.61 1.00 0.92 0.13 0.11 -4.36 -4.29
Financing Margin % -50.00% 25.00% 0.00% 33.33% 13.74% 10.63% 6.78% 13.83% 11.75% 22.41% 18.33% -436.00% -247.98%
0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.07 -0.02 0.00 4.98 4.95
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 -0.02 0.04 0.00 0.11 0.29 1.88 0.61 1.00 0.99 0.11 0.11 0.62 0.66
Tax % 0.00% 25.00% 18.18% 24.14% 27.13% 29.51% 25.00% 37.37% 36.36% 27.27% 30.65%
-0.02 0.03 0.00 0.09 0.22 1.37 0.43 0.75 0.62 0.08 0.08 0.43 0.47
EPS in Rs -0.07 0.10 0.00 0.30 0.73 4.57 1.43 2.50 2.07 0.27 0.27 1.43 1.56
Dividend Payout % 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: 20%
5 Years: -36%
3 Years: -50%
TTM: 75%
Compounded Profit Growth
10 Years: 31%
5 Years: 0%
3 Years: -11%
TTM: 104%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: -9%
1 Year: 0%
Return on Equity
10 Years: 7%
5 Years: 6%
3 Years: 3%
Last Year: 6%

Balance Sheet

Figures in Rs. Crores

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 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00
Reserves 0.54 0.56 0.57 0.66 0.88 2.23 2.67 3.49 4.06 4.19 4.25 4.70
Borrowing 0.23 7.39 9.53 3.57 3.25 11.34 16.45 19.78 2.20 2.16 2.32 8.83
0.17 0.37 0.15 0.12 1.88 5.88 1.80 1.69 0.18 0.17 0.16 2.18
Total Liabilities 3.94 11.32 13.25 7.35 9.01 22.45 23.92 27.96 9.44 9.52 9.73 18.71
0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.00 0.00 0.00
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 0.03 0.02 0.02 0.11 0.05 0.11 0.09 0.11
3.92 11.30 13.23 7.33 8.96 22.41 23.88 27.83 9.37 9.41 9.64 18.60
Total Assets 3.94 11.32 13.25 7.35 9.01 22.45 23.92 27.96 9.44 9.52 9.73 18.71

Cash Flows

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-0.36 -4.95 -1.97 5.79 1.84 -9.67 -4.85 -3.44 17.56 -0.07 -0.16 -6.46
0.00 0.00 0.00 0.00 0.00 0.01 0.00 0.00 0.02 0.00 0.00 0.00
0.34 4.92 2.18 -5.96 -0.32 8.09 5.11 3.32 -17.57 -0.04 0.16 6.51
Net Cash Flow -0.02 -0.03 0.21 -0.17 1.52 -1.56 0.27 -0.12 0.01 -0.11 0.00 0.04
Free Cash Flow -0.36 -4.95 -1.97 5.79 1.84 -9.67 -4.85 -3.44 17.56 -0.07 -0.16 -6.46
CFO/OP 1,200% -12,375% 5,264% 669% -392% -346% -158% 1,173% -10% -45% 151%

Ratios

Figures in Rs. Crores

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 % -0.56% 0.85% 0.00% 2.49% 5.84% 30.08% 7.89% 12.34% 9.15% 1.26% 1.11% 5.75%

Insights

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Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Number of Shareholders
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CRAR (Capital to Risk-Weighted Assets Ratio)
%
Liquidity Coverage Ratio (LCR)
%

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Shareholding Pattern

Numbers in percentages

1 Recently
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
1.40% 1.40% 1.40% 1.40% 1.40% 1.40% 1.40% 1.40% 1.40% 1.40% 1.40% 1.40%
98.60% 98.60% 98.61% 98.61% 98.61% 98.60% 98.61% 98.61% 98.61% 98.61% 98.61% 98.60%
No. of Shareholders 621734808786835866890885903910901886

Documents

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