KIFS Financial Services Ltd

₹ 132 4.35%

19 May 3:17 p.m.

About

Incorporated in 1995, KIFS Financial Services Ltd deals in capital market products like margin trading, loan against shares and funding primary
market issues for the retail investors^[1]

Key Points

Registration:^[1]^[2]
KIFS FSL is a Non Systematically Important Non Deposit Taking Non Banking Financial Company - Investment and Credit Company registered under the category of Loan and NBFC - Base Layer company. It is a Subsidiary of KIFS Securities Ltd, the flagship company of the Khandwala group

Website BSE

Market Cap ₹ 143 Cr.
Current Price ₹ 132
High / Low ₹ 194 / 98.1
Stock P/E 15.4
Book Value ₹ 54.7
Dividend Yield 1.14 %
ROCE 9.37 %
ROE 15.0 %
Face Value ₹ 10.0

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Pros

Company has been maintaining a healthy dividend payout of 21.4%

Cons

Company has low interest coverage ratio.

* 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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Detailed Comparison with:

Quarterly Results

Figures in Rs. Crores

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
	7.27	9.30	7.92	8.10	13.63	16.99	8.39	8.73	5.40	6.60	9.81	7.05	7.15
Interest	5.83	5.25	5.84	5.52	11.41	12.41	6.03	6.31	2.84	6.04	7.27	4.04	3.88
	0.14	0.45	0.16	0.15	0.19	0.72	0.19	0.12	0.15	0.18	0.21	0.17	0.17
Financing Profit	1.30	3.60	1.92	2.43	2.03	3.86	2.17	2.30	2.41	0.38	2.33	2.84	3.10
Financing Margin %	17.88%	38.71%	24.24%	30.00%	14.89%	22.72%	25.86%	26.35%	44.63%	5.76%	23.75%	40.28%	43.36%
	0.00	0.03	0.00	0.00	0.00	0.01	0.00	0.00	0.00	4.04	0.00	0.00	0.00
Depreciation	0.13	0.13	0.09	0.09	0.09	0.25	0.12	0.12	0.12	0.12	0.08	0.01	0.01
Profit before tax	1.17	3.50	1.83	2.34	1.94	3.62	2.05	2.18	2.29	4.30	2.25	2.83	3.09
Tax %	23.93%	27.43%	25.14%	24.36%	24.74%	30.39%	26.83%	24.77%	23.14%	26.98%	25.33%	25.09%	25.24%
	0.89	2.55	1.37	1.77	1.46	2.52	1.51	1.64	1.77	3.15	1.68	2.12	2.31
EPS in Rs	0.82	2.36	1.27	1.64	1.35	2.33	1.40	1.52	1.64	2.91	1.55	1.96	2.14
Gross NPA %
Net NPA %
Raw PDF

Upcoming result date: tomorrow

Profit & Loss

Figures in Rs. Crores

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
	4.75	3.81	7.14	8.48	6.05	5.89	15.59	20.98	32.71	30.75	46.65	33.16	30.61
Interest	2.09	0.63	1.95	2.81	1.06	1.14	9.54	15.46	23.15	20.76	35.19	21.23	21.23
	0.30	0.37	0.90	0.59	0.74	0.65	0.73	0.48	0.96	0.90	1.21	0.63	0.73
Financing Profit	2.36	2.81	4.29	5.08	4.25	4.10	5.32	5.04	8.60	9.09	10.25	11.30	8.65
Financing Margin %	49.68%	73.75%	60.08%	59.91%	70.25%	69.61%	34.12%	24.02%	26.29%	29.56%	21.97%	34.08%	28.26%
	0.02	0.00	0.00	0.01	0.00	0.01	0.00	0.06	0.00	0.00	0.00	0.00	4.04
Depreciation	0.00	0.00	0.04	0.15	0.10	0.07	0.05	0.03	0.38	0.50	0.51	0.47	0.22
Profit before tax	2.38	2.81	4.25	4.94	4.15	4.04	5.27	5.07	8.22	8.59	9.74	10.83	12.47
Tax %	32.35%	32.74%	33.41%	32.19%	27.71%	29.95%	25.43%	25.44%	25.43%	25.49%	26.90%	25.58%
	1.60	1.88	2.83	3.35	3.00	2.82	3.94	3.79	6.13	6.40	7.12	8.07	9.26
EPS in Rs	1.48	1.74	2.62	3.10	2.77	2.61	3.64	3.50	5.67	5.92	6.58	7.46	8.56
Dividend Payout %	33.81%	28.78%	28.67%	29.07%	32.46%	38.37%	34.33%	35.69%	23.83%	22.82%	21.28%	20.11%

Compounded Sales Growth
10 Years:	24%
5 Years:	16%
3 Years:	0%
TTM:	-23%

Compounded Profit Growth
10 Years:	16%
5 Years:	15%
3 Years:	10%
TTM:	24%

Stock Price CAGR
10 Years:	14%
5 Years:	27%
3 Years:	8%
1 Year:	15%

Return on Equity
10 Years:	14%
5 Years:	15%
3 Years:	15%
Last Year:	15%

Balance Sheet

Figures in Rs. Crores

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
Equity Capital	10.82	10.82	10.82	10.82	10.82	10.82	10.82	10.82	10.82	10.82	10.82	10.82	10.82
Reserves	9.29	10.52	12.37	14.56	16.38	19.21	21.84	24.28	29.05	33.99	39.64	46.19	48.38
Borrowing	2.23	23.87	67.29	24.68	16.08	68.31	170.00	158.81	253.08	264.49	244.94	332.05	236.33
	1.53	2.34	3.32	3.77	3.15	2.24	3.42	4.24	7.40	5.97	6.45	4.73	4.61
Total Liabilities	23.87	47.55	93.80	53.83	46.43	100.58	206.08	198.15	300.35	315.27	301.85	393.79	300.14
	0.01	0.00	0.47	0.32	0.22	0.15	0.11	0.00	1.61	1.11	1.49	1.03	0.49
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	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	29.70	11.78	8.04
	23.86	47.55	93.33	53.51	46.21	100.43	205.97	198.15	298.74	314.16	270.66	380.98	291.61
Total Assets	23.87	47.55	93.80	53.83	46.43	100.58	206.08	198.15	300.35	315.27	301.85	393.79	300.14

Cash Flows

Figures in Rs. Crores

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	0.53	1.08	0.85	2.57	1.37	0.32	1.87	31.42	-26.14	-7.99	49.28	147.60
	0.00	0.00	-0.51	0.00	0.00	0.00	0.00	0.09	-1.99	0.00	-30.59	17.92
	-0.63	-0.65	-0.98	-1.17	-1.17	-1.17	-1.30	-1.35	-1.35	-1.46	-1.46	-1.51
Net Cash Flow	-0.10	0.43	-0.64	1.40	0.20	-0.85	0.57	30.16	-29.49	-9.45	17.23	164.00
Free Cash Flow	0.53	1.08	0.34	2.57	1.37	0.32	1.87	31.51	-28.13	-7.99	48.39	165.52
CFO/OP	12%	31%	14%	33%	26%	29%	22%	160%	-76%	-19%	114%	462%

Ratios

Figures in Rs. Crores

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
ROE %	8.15%	9.07%	12.71%	13.79%	11.41%	9.85%	12.57%	11.19%	16.35%	15.12%	14.95%	15.02%

Insights

In beta

Mar 2014

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Total Assets Under Management (AUM) / Total Advances
INR Lakhs

x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx
	x	x	x	x	x	x	x	x	x	x	x
		x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx

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Number of Permanent Employees
Count

Gross NPA Percentage on AUM
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	74.41%	74.41%	74.41%	74.41%	74.41%	74.41%	74.41%	74.41%	74.41%	74.41%	74.41%	74.41%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.37%	0.37%	0.37%	0.37%	0.37%
	25.59%	25.60%	25.59%	25.58%	25.58%	25.59%	25.59%	25.21%	25.21%	25.21%	25.21%	25.21%
No. of Shareholders	1,702	1,589	1,531	1,494	1,449	1,411	1,463	1,479	1,514	1,456	1,457	1,452

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	74.41%	74.41%	74.41%	74.41%	74.41%	74.41%	74.41%	74.41%	74.41%	74.41%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.37%	0.37%
	25.59%	25.59%	25.59%	25.59%	25.59%	25.59%	25.60%	25.58%	25.21%	25.21%
No. of Shareholders	1,852	680	596	566	613	2,227	1,827	1,494	1,479	1,452

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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KIFS Financial Services Ltd

KIFS Financial Services Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

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