KIFS Financial

Why is KIFS Financial Services Ltd falling/rising?

As of 09-Jun, KIFS Financial Services Ltd's stock price has risen to Rs 119.15, up 2.32%, and has outperformed its sector today. Despite this increase and heightened investor interest, the stock remains below its key moving averages, indicating longer-term underperformance.

As of 09-Jun, KIFS Financial Services Ltd is experiencing a rise in its stock price, currently at Rs 119.15, reflecting an increase of Rs 2.7 or 2.32%. This upward movement is notable as the stock has outperformed its sector by 0.68% today. Additionally, the stock reached an intraday high of Rs 125, marking a significant rise of 7.34%. <BR><BR>Investor participation has also increased, with delivery volume on June 8 rising by 476.12% compared to the 5-day average, indicating heightened interest among investors. However, it is important to note that despite today's positive performance, the stock is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, suggesting that it has been underperforming over a longer period.<BR><BR>Overall, the combination of today's price increase, higher investor participation, and the stock's ability to outperform its sector contributes to the current rise in KIFS Financial Services Ltd's stock price.

Which are the latest news on KIFS Financial?

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.

How big is KIFS Financial?

As of 24th July, KIFS Financial Services Ltd has a market capitalization of 184.00 Cr, with Net Sales of 29.12 Cr and a Net Profit of 8.07 Cr for the latest four quarters. The company has Shareholder's Funds of 57.01 Cr and Total Assets of 393.61 Cr as of March 2025.

As of 24th July, KIFS Financial Services Ltd has a market capitalization of 184.00 Cr, categorizing it as a Micro Cap company.<BR><BR>For the latest four quarters, KIFS Financial reported Net Sales of 29.12 Cr and a Net Profit of 8.07 Cr.<BR><BR>As of the latest annual period in March 2025, the company has Shareholder's Funds amounting to 57.01 Cr and Total Assets of 393.61 Cr.

What does KIFS Financial do?

KIFS Financial Services Ltd is a micro-cap NBFC providing capital market products and planning to expand into investment advisory services. As of March 2025, it reported net sales of 66 Cr and a net profit of 32 Cr, with a market cap of INR 170 Cr.

Overview:<BR>KIFS Financial Services Ltd is a Non Banking Financial Company (NBFC) in the micro-cap category, engaged in providing capital market products and planning to expand into investment advisory services.<BR><BR>History:<BR>Incorporated on March 29, 1995, KIFS Financial Services Ltd has been operating in the finance segment. The latest quarterly results reported net sales and profit for the period ending March 2025.<BR><BR>Financial Snapshot:<BR>Net Sales: 66 Cr (Quarterly Results - Mar 2025) <BR>Net Profit: 32 Cr (Quarterly Results - Mar 2025) <BR>Market Cap: INR 170 Cr (Micro Cap) <BR><BR>Key Metrics:<BR>P/E: 22.00 <BR>Industry P/E: 23 <BR>Dividend Yield: 0.89% <BR>Debt Equity: 4.48 <BR>Return on Equity: 15.17% <BR>Price to Book: 3.19 <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

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.

Who are in the management team of KIFS Financial?

As of March 2021, 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). Each member contributes to the company's governance and operations.

As of March 2021, 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>Each member plays a crucial role in the governance and operational management of the company.

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.

Who are the peers of the KIFS Financial?

KIFS Financial's peers include Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Escorp Asset Mgt, Tomorrow Tech., Caspian Corporat, and Saumya Cons. In terms of management risk, growth, and capital structure, KIFS Financial is rated average, with a 1-year return of -28.72%.

Peers: The peers of KIFS Financial are Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Escorp Asset Mgt, Tomorrow Tech., Caspian Corporat, and Saumya Cons.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Cholaman.Inv.&Fn, Muthoot Finance, while Average management risk is found at Jio Financial, KIFS Financial, Escorp Asset Mgt, and Caspian Corporat. Good management risk is noted at Shriram Finance, and Below Average management risk is seen at Tomorrow Tech. and Saumya Cons. Growth is Excellent at Jio Financial and Escorp Asset Mgt, Good at Bajaj Finance and Cholaman.Inv.&Fn, Average at KIFS Financial and Muthoot Finance, and Below Average at Tomorrow Tech., Caspian Corporat, and Saumya Cons. Capital Structure is Excellent at Bajaj Finance, Jio Financial, Shriram Finance, and Muthoot Finance, Good at KIFS Financial, and Below Average at Tomorrow Tech., Caspian Corporat, and Saumya Cons.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Bajaj Finance at 30.39%, while the lowest is Caspian Corporat at -86.88%. KIFS Financial's 1-year return is -28.72%, which is significantly lower than Bajaj Finance's and higher than Caspian Corporat's. Additionally, the six-month return is negative for KIFS Financial, Jio Financial, Tomorrow Tech., Caspian Corporat, and Saumya Cons.