KIFS Financial

Why is KIFS Financial Services Ltd falling/rising?

As of 26-Jun, KIFS Financial Services Ltd's stock price is declining at 119.40, down -0.5%, with a year-to-date drop of -3.90%. The stock is underperforming in terms of trading interest and moving averages, indicating a challenging environment.

As of 26-Jun, KIFS Financial Services Ltd is experiencing a decline in its stock price, currently at 119.40, which reflects a change of -0.6 or -0.5%. This downward movement is consistent with the stock's performance over various periods, where it has shown a 1-week decline of -0.50% and a more significant 1-month drop of -4.90%. Year-to-date, the stock is down by -3.90%, although it has outperformed the benchmark Sensex over the past year with a gain of +2.84% compared to the Sensex's -6.83%.<BR><BR>The stock's performance today is described as inline with the sector, but there are concerning indicators such as erratic trading, where the stock did not trade on one day out of the last 20 days. Additionally, the stock is trading below its 5-day, 20-day, 50-day, and 200-day moving averages, although it remains above the 100-day moving average. A notable factor contributing to the decline is the falling investor participation, with delivery volume on 24 June dropping by -79.39% against the 5-day average. This suggests a decrease in trading interest, which can negatively impact stock price stability and growth. Overall, these factors indicate a challenging environment for KIFS Financial Services Ltd, leading to its current price decline.

Which are the latest news on KIFS Financial?

How big is KIFS Financial?

As of 10th June, KIFS Financial Services Ltd has a market capitalization of 129.00 Cr, with Net Sales of 35.99 Cr and a Net Profit of 7.98 Cr reported in the latest 4 quarters. The balance sheet for March 2025 shows Shareholder's Funds of 57.01 Cr and Total Assets of 393.61 Cr.

As of 10th June, KIFS Financial Services Ltd has a market capitalization of 129.00 Cr, classifying it as a Micro Cap company.<BR><BR>In the latest 4 quarters, KIFS Financial reported Net Sales of 35.99 Cr and a Net Profit of 7.98 Cr.<BR><BR>The latest annual period for the balance sheet is March 2025, showing Shareholder's Funds of 57.01 Cr and Total Assets of 393.61 Cr.

Who are in the management team of KIFS Financial?

The management team of KIFS Financial includes Rajesh P Khandwala (Chairman & Managing Director), Dharmendra N Soni and Devang M Shah (Independent Directors), Sonal R Khandwala (Director), Durgesh D Soni (Company Secretary), Vimal P Khandwala (Additional Executive Director), and Sharvil B. Suthar (Additional Independent Director). They are responsible for the company's governance and strategic direction.

The management team of KIFS Financial includes the following individuals:<BR><BR>1. **Rajesh P Khandwala** - Chairman & Managing Director<BR>2. **Dharmendra N Soni** - Independent Director<BR>3. **Devang M Shah** - Independent Director<BR>4. **Sonal R Khandwala** - Director<BR>5. **Durgesh D Soni** - Company Secretary<BR>6. **Vimal P Khandwala** - Additional Executive Director<BR>7. **Sharvil B. Suthar** - Additional Independent Director<BR><BR>This team plays a crucial role in the governance and strategic direction of the company.

Who are the peers of the KIFS Financial?

KIFS Financial's peers include Garnet Intl., Maha Rashtra Apx, Trustedgecapital, Pioneer Invest, Upsurge Invest., Ramchandra Leas., Apollo Finvest, Nexome Cap. Mkt., and Indus Finance. KIFS has average management risk and growth, with a good capital structure, while its 1-year return is -10.10%, better than Garnet Intl. but lower than Ramchandra Leas. at 368.93%.

Peers: The peers of KIFS Financial are Garnet Intl., Maha Rashtra Apx, Trustedgecapital, Pioneer Invest, Upsurge Invest., Ramchandra Leas., Apollo Finvest, Nexome Cap. Mkt., and Indus Finance.<BR><BR>Quality Snapshot: Excellent management risk is observed at Garnet Intl., Maha Rashtra Apx, Trustedgecapital, Pioneer Invest, Ramchandra Leas., and Indus Finance, while Average management risk is found at KIFS Financial, Upsurge Invest., and Apollo Finvest. Below Average management risk is noted for Nexome Cap. Mkt., and Trustedgecapital. Growth is Excellent at Ramchandra Leas., Average at KIFS Financial, Garnet Intl., Trustedgecapital, Pioneer Invest, and Apollo Finvest, while Below Average growth is seen at Maha Rashtra Apx, Upsurge Invest., and Indus Finance. Capital Structure is Excellent for Garnet Intl., Maha Rashtra Apx, Trustedgecapital, Pioneer Invest, Upsurge Invest., Ramchandra Leas., Apollo Finvest, Nexome Cap. Mkt., and Indus Finance, while KIFS Financial has a Good capital structure.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Ramchandra Leas. at 368.93%, while the lowest is Garnet Intl. at -33.60%. KIFS Financial's 1-year return is -10.10%, which is higher than Garnet Intl. but lower than Ramchandra Leas. Additionally, Trustedgecapital, Upsurge Invest., Apollo Finvest, and Indus Finance have negative six-month returns.

What does KIFS Financial do?

KIFS Financial Services Ltd is a micro-cap NBFC specializing in capital market products and planning to enter investment advisory services, with a market cap of INR 129 Cr and a net profit of 2 Cr for the quarter ending March 2026. For more information, visit their website at http://www.kifsfinance.com.

Overview: <BR>KIFS Financial Services Ltd is a micro-cap company operating in the Non-Banking Financial Company (NBFC) sector, specializing in capital market products and proposing to enter investment advisory services.<BR><BR>History: <BR>KIFS Financial Services Ltd was incorporated on March 29, 1995. The latest quarterly results reported net sales and net profit for the period ending March 2026.<BR><BR>Financial Snapshot: <BR>Net Sales: 12 Cr (Quarterly Results - Mar 2026) <BR>Net Profit: 2 Cr (Quarterly Results - Mar 2026) <BR>Market Cap: INR 129 Cr (Micro Cap)<BR><BR>Key Metrics: <BR>P/E: 15.00 <BR>Industry P/E: 20 <BR>Dividend Yield: 1.26% <BR>Debt-Equity: 6.02 <BR>Return on Equity: 12.59% <BR>Price to Book: 2.03<BR><BR>Contact Details: <BR>Address: B/81 Pariseema Complx, C G Road Ellisbridge Ahmedabad Gujarat : 380006 <BR>Tel: 91-79-30000320 <BR>Email: cs@kifs.co.in <BR>Website: http://www.kifsfinance.com

Are KIFS Financial Services Ltd latest results good or bad?

KIFS Financial Services Ltd's latest results show strong revenue growth, with net sales up 67.55% quarter-on-quarter, but profitability has declined significantly, with net profit down 19.05% from the previous quarter and 40.63% year-on-year due to rising interest costs. Overall, while revenue growth is positive, the drop in profitability raises concerns about the company's sustainability.

KIFS Financial Services Ltd's latest results present a mixed picture. On one hand, the company achieved significant revenue growth, with net sales reaching ₹11.98 crores in Q4 FY26, reflecting a robust increase of 67.55% quarter-on-quarter and an impressive 81.52% year-on-year. This growth indicates strong activity in their margin trading and loan-against-shares segments.<BR><BR>However, profitability has taken a hit. The net profit for the quarter was ₹1.87 crores, which represents a decline of 19.05% compared to the previous quarter and a staggering 40.63% year-on-year drop. This decline is primarily attributed to a dramatic 110.82% surge in interest costs, which consumed a significant portion of revenues, leading to a sharp contraction in the profit after tax (PAT) margin from 32.31% in Q3 FY26 to just 15.61% in Q4 FY26.<BR><BR>Overall, while KIFS Financial Services has demonstrated strong revenue growth, the substantial decline in profitability and rising interest costs raise concerns about the sustainability of its business model. The company is at a critical juncture, needing to restore margin stability to regain investor confidence. Therefore, the latest results can be viewed as concerning, particularly regarding profitability.

Should I buy, sell or hold KIFS Financial Services Ltd?

When is the next results date for KIFS Financial Services Ltd?

The next results date for KIFS Financial Services Ltd is 13 February 2026.

The next results date for KIFS Financial Services Ltd is scheduled for 13 February 2026.

Is KIFS Financial overvalued or undervalued?

As of December 4, 2025, KIFS Financial's valuation has improved to attractive, indicating it is undervalued with a PE ratio of 15.88, significantly lower than peers like Bajaj Finance and Bajaj Finserv, while its year-to-date performance has lagged behind the Sensex, suggesting potential for growth.

As of 4 December 2025, KIFS Financial's valuation grade has moved from fair to attractive, indicating a positive shift in its perceived value. The company appears to be undervalued, supported by a PE ratio of 15.88, an EV to EBIT of 13.23, and a PEG ratio of 0.71, all suggesting that the stock is trading at a reasonable price relative to its earnings growth potential. <BR><BR>In comparison to its peers, KIFS Financial's PE ratio is significantly lower than that of Bajaj Finance, which stands at 34.9, and also lower than Bajaj Finserv at 33.78, both of which are categorized as expensive. Conversely, Life Insurance, which is rated very attractive, has a PE ratio of 10.85, indicating that KIFS Financial is competitively priced within its sector. Notably, KIFS Financial's recent stock performance has lagged behind the Sensex, with a year-to-date return of -16.48% compared to the Sensex's 9.12%, reinforcing the notion that the stock may be undervalued relative to its growth prospects.

How has been the historical performance of KIFS Financial?

KIFS Financial experienced a decline in net sales from 46.64 Cr in Mar'24 to 29.12 Cr in Mar'25, but improved operational efficiency led to increased profits and a significant rise in net cash inflow from 17 Cr to 164 Cr in the same period. Total liabilities also rose sharply due to increased short-term borrowings.

Answer:<BR>The historical performance of KIFS Financial shows a fluctuating trend in net sales and profits over the years, with a notable decline in net sales in the most recent year.<BR><BR>Breakdown:<BR>KIFS Financial's net sales peaked at 46.64 Cr in Mar'24 but fell to 29.12 Cr in Mar'25. The total operating income followed a similar trend, decreasing from 46.64 Cr in Mar'24 to 29.12 Cr in Mar'25. Despite this decline, the operating profit (PBDIT) increased from 10.25 Cr in Mar'24 to 11.31 Cr in Mar'25, indicating improved operational efficiency. Profit before tax also rose from 9.74 Cr in Mar'24 to 10.84 Cr in Mar'25, while profit after tax increased from 7.12 Cr to 8.07 Cr in the same period. The company's total liabilities rose significantly from 301.70 Cr in Mar'24 to 393.61 Cr in Mar'25, primarily due to an increase in short-term borrowings. On the cash flow front, KIFS Financial experienced a substantial net cash inflow of 164 Cr in Mar'25, compared to just 17 Cr in Mar'24, reflecting a strong improvement in cash management. Overall, while the company faced challenges in sales, it demonstrated resilience in profitability and cash flow management.

Who are the top shareholders of the KIFS Financial?

The top shareholder of KIFS Financial is Khandwala Commercial Private Limited, holding 74.41% of the shares. Affluence Shares And Stocks Private Limited is the largest public shareholder with 4.63%, while individual investors own 18.67% collectively.

The top shareholders of KIFS Financial are primarily the promoters, with Khandwala Commercial Private Limited holding the largest stake at 74.41%. There are no pledged promoter holdings, and mutual funds and foreign institutional investors do not hold any shares in the company. The highest public shareholder is Affluence Shares And Stocks Private Limited, which owns 4.63%. Additionally, individual investors collectively hold 18.67% of the shares.

What is the technical trend for KIFS Financial?

As of June 3, 2025, KIFS Financial's technical trend is mildly bearish, supported by daily moving averages and mixed signals from MACD and KST across weekly and monthly charts.

As of 3 June 2025, the technical trend for KIFS Financial has changed from bearish to mildly bearish. The weekly MACD is mildly bullish, while the monthly MACD remains bearish, indicating mixed signals. The daily moving averages are mildly bearish, supporting the overall bearish sentiment. The Bollinger Bands show a bullish stance on the weekly chart but are mildly bearish on the monthly chart. The KST is mildly bullish weekly but bearish monthly, and Dow Theory indicates a mildly bearish trend on the weekly timeframe with no trend on the monthly. Overall, the current technical stance is mildly bearish, driven by the daily moving averages and the mixed signals from MACD and KST.

Has KIFS Financial declared dividend?

KIFS Financial Services Ltd has declared a 14% dividend, with an ex-date of September 20, 2024. Recent total returns show volatility, with negative returns over the last 6 months and 1 year, but more positive trends in longer-term periods.

KIFS Financial Services Ltd has declared a 14% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 14%<BR>- Ex-date: 20 Sep 2024<BR><BR>Dividend Yield: 1.2%.<BR><BR>Total Returns by Period:<BR>In the last 6 months, the price return was -26.72%, with a dividend return of 0%, resulting in a total return of -26.72%.<BR><BR>Over the past year, the price return was -24.46%, the dividend return was 0.88%, leading to a total return of -23.58%.<BR><BR>In the 2-year period, there was a price return of 11.43%, a dividend return of 1.23%, culminating in a total return of 12.66%.<BR><BR>For the 3-year period, the price return was -19.0%, the dividend return was 3.89%, resulting in a total return of -15.11%.<BR><BR>In the 4-year period, the price return was 187.61%, with a dividend return of 12.94%, yielding a total return of 200.55%.<BR><BR>Over the last 5 years, the price return was 50.59%, the dividend return was 9.77%, leading to a total return of 60.36%.<BR><BR>Overall, KIFS Financial has declared a dividend, but the recent total returns indicate significant volatility, particularly in the short term, with negative returns over the last 6 months and 1 year, while longer-term returns show more positive trends.