KIFS Financial

Market Cap: Micro Cap
Industry: Non Banking Financial Company (NBFC)
ISIN: INE902D01013
NSEID:
BSEID: 535566

INR

129.00

-6.75 (-4.97%)

BSENSE

Dec 05

BSE+NSE Vol: 73

{
  "main_header": {
    "sid": 683569,
    "name": "KIFS Financial",
    "stock_name": "KIFS Financial",
    "full_name": "KIFS Financial Services Ltd",
    "name_url": "stocks-analysis/kifs-financial",
    "exchange": 0,
    "exchangecode": "",
    "country_id": 34,
    "currency": "INR",
    "cmp": "129.00",
    "chg": -6.75,
    "chgp": "-4.97%",
    "dir": -1,
    "prev_price": "135.75",
    "mcapval": "139.55 Cr",
    "mcap": "Micro Cap",
    "scripcode": 535566,
    "symbol": "",
    "ind_name": "Non Banking Financial Company (NBFC)",
    "ind_code": 5,
    "indexname": "",
    "isin": "INE902D01013",
    "curr_date": "Dec 05",
    "curr_time": "",
    "bse_nse_vol": "73 ",
    "exc_status": "Active",
    "traded_date": "Dec 05, 2025",
    "traded_date_str": "2025 12 05",
    "score": "",
    "scoreText": "",
    "Live": 1,
    "market_time": 1,
    "is_blur": 1,
    "is_blur_class": "blur-registerF-score-header",
    "is_blur_url": "https://www.marketsmojo.com/mojofeed/register?redirect=/stocks-analysis/kifs-financial-683569-0&utm_source=Spage_Header_Score",
    "mojoone": {
      "ismore": 0
    }
  },
  "news": {
    "results": [
      {
        "title": "KIFS Financial Sees Revision in Market Evaluation Amid Mixed Performance Metrics",
        "link": "https://www.marketsmojo.com/news/stock-recommendation/kifs-financial-downgraded-to-strong-sell-by-marketsmojo-amid-weak-fundamentals-3748038",
        "imagepath": "https://i.marketsmojo.com/newsimg/2025/12/KIFSFinancial_mojoScore_3748038.png",
        "date": "2025-12-05 10:11:01",
        "description": "KIFS Financial has experienced a revision in its market evaluation reflecting a nuanced shift in its fundamental and technical outlook. The recent assessment highlights a combination of valuation appeal tempered by challenges in quality and financial trends, set against a backdrop of fluctuating stock returns and sector dynamics within the Non Banking Financial Company (NBFC) space."
      },
      {
        "title": "Is KIFS Financial overvalued or undervalued?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/is-kifs-financial-overvalued-or-undervalued-3747646",
        "imagepath": "",
        "date": "2025-12-05 08:26:19",
        "description": "    <div class=\"article-news-new\">\n        <div class=\"article-container\">\n\n<div class=\"article-content\">\n\n<p><strong>Valuation Metrics and Financial Health</strong></p>\n<p>KIFS Financial’s price-to-earnings (PE) ratio stands at approximately 15.9, which is notably lower than many of its prominent peers in the NBFC space. This suggests that the stock is trading at a relatively modest multiple of its earnings. The price-to-book (P/B) ratio of 2.34 indicates that the market values the company at more than twice its book value, reflecting moderate investor confidence in its asset base.</p>\n<p>Enterprise value (EV) multiples such as EV to EBIT and EV to EBITDA are around 13.2 and 13.1 respectively, which are reasonable when compared to the sector averages. The EV to capital employed ratio is particularly low at 1.27, signalling efficient use of capital relative to the company’s valuation. Additionally, the PEG ..."
      },
      {
        "title": "Why is KIFS Financial falling/rising?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/why-is-kifs-financial-fallingrising-3744978",
        "imagepath": "",
        "date": "2025-12-04 00:48:04",
        "description": "    <div class=\"article-news-new\">\n        <div class=\"article-container\">\n\n<div class=\"article-content\">\n\n<p><strong>Extended Downtrend and Relative Weakness</strong></p>\n<p>KIFS Financial has been on a downward trajectory over the past week, registering a cumulative loss of 7.07%, significantly underperforming the Sensex, which declined by only 0.59% during the same period. This negative momentum extends beyond the short term, with the stock falling 9.61% over the last month while the benchmark index advanced by 1.34%. Year-to-date figures further highlight the stock’s struggles, as it has declined by 16.84%, contrasting sharply with the Sensex’s robust 8.92% gain. Over the last twelve months, KIFS Financial’s shares have dropped 18.56%, whereas the Sensex has appreciated by 5.27%.</p>\n<p>The stock’s relative underperformance is also evident when viewed over longer horizons. While the Sensex has delivered..."
      },
      {
        "title": "Why is KIFS Financial falling/rising?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/why-is-kifs-financial-fallingrising-3716315",
        "imagepath": "",
        "date": "2025-11-19 22:59:31",
        "description": "As of 19-Nov, KIFS Financial Services Ltd is experiencing a decline in its stock price, currently at Rs 136.40, which reflects a decrease of Rs 4.8 or 3.4%. The stock has underperformed its sector by 3.23% today, reaching an intraday low of Rs 132.75, which is a drop of 5.98%. Over the past week, the stock has decreased by 6.06%, and year-to-date, it has fallen by 11.00%. Despite a higher trading volume on November 18, with delivery volume rising by 181.51% against the 5-day average, the stock remains below several short-term moving averages, indicating a bearish trend. Unfortunately, there is no information available regarding positive or negative factors that could have influenced the stock's recent movement.\n\nBroader market context shows that while KIFS Financial has struggled, the benchmark Sensex has gained 0.85% over the past week and 9.02% year-to-date. This stark contrast highlights the stock's unde..."
      },
      {
        "title": "How has been the historical performance of KIFS Financial?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/how-has-been-the-historical-performance-of-kifs-financial-3716193",
        "imagepath": "",
        "date": "2025-11-19 22:42:53",
        "description": "Answer:\nThe 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.\n\nBreakdown:\nKIFS 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 c..."
      },
      {
        "title": "Is KIFS Financial overvalued or undervalued?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/is-kifs-financial-overvalued-or-undervalued-3709802",
        "imagepath": "",
        "date": "2025-11-18 08:21:48",
        "description": "As of 17 November 2025, KIFS Financial's valuation grade has moved from attractive to fair, indicating a shift in its perceived value. The company is currently fairly valued. Key ratios include a PE Ratio of 17.49, an EV to EBITDA of 10.93, and a PEG Ratio of 0.78, which suggest that while the company is not undervalued, it also does not appear to be significantly overvalued compared to its peers.\n\nIn comparison to its industry peers, KIFS Financial's PE Ratio is notably lower than Bajaj Finance's 34.85 and Bajaj Finserv's 34.31, both of which are classified as very expensive. On the other hand, it is higher than Life Insurance's attractive valuation with a PE of 11.33. The recent stock performance shows KIFS Financial underperforming against the Sensex, with a year-to-date return of -7.99% compared to the Sensex's 8.72%, which may reinforce the view of its fair valuation amidst broader market trends...."
      },
      {
        "title": "How has been the historical performance of KIFS Financial?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/how-has-been-the-historical-performance-of-kifs-financial-3708859",
        "imagepath": "",
        "date": "2025-11-17 23:08:55",
        "description": "Answer:\nThe historical performance of KIFS Financial shows a fluctuating trend in net sales and profitability over the years, with a notable decline in net sales from INR 46.64 crore in March 2024 to INR 29.12 crore in March 2025. Operating profit, however, increased to INR 11.31 crore in March 2025 from INR 10.25 crore in the previous year, indicating improved operational efficiency despite lower sales. Profit after tax also rose to INR 8.07 crore in March 2025, up from INR 7.12 crore in March 2024, reflecting a PAT margin increase to 27.71%. The company's total assets grew significantly to INR 393.61 crore in March 2025 from INR 301.70 crore in March 2024, primarily driven by an increase in cash and bank balances, which surged to INR 176.76 crore. Total liabilities also increased to INR 393.61 crore, with short-term borrowings rising to INR 332.05 crore. The book value per share improved to INR 52.7 in Ma..."
      },
      {
        "title": "Is KIFS Financial overvalued or undervalued?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/is-kifs-financial-overvalued-or-undervalued-3706018",
        "imagepath": "",
        "date": "2025-11-17 08:09:05",
        "description": "As of 14 November 2025, KIFS Financial's valuation grade has moved from fair to attractive, indicating a positive shift in its perceived value. The company is currently considered undervalued, with a PE ratio of 18.81, an EV to EBIT of 10.54, and a ROE of 14.45%. In comparison, Bajaj Finance, a peer in the same industry, has a significantly higher PE ratio of 34.62, while Life Insurance boasts a more favorable EV to EBITDA of 9.29, highlighting KIFS Financial's relative attractiveness.\n\nDespite recent stock performance showing a decline of 13.73% over the past week compared to a 1.62% gain in the Sensex, the long-term perspective remains strong, with a remarkable 5-year return of 242.70%. This performance, coupled with a PEG ratio of 1.39, suggests that KIFS Financial presents a compelling investment opportunity within the Non-Banking Financial Company sector...."
      },
      {
        "title": "Is KIFS Financial overvalued or undervalued?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/is-kifs-financial-overvalued-or-undervalued-3705331",
        "imagepath": "",
        "date": "2025-11-16 08:08:38",
        "description": "As of 14 November 2025, KIFS Financial's valuation grade has moved from fair to attractive, indicating a positive shift in its market perception. The company is currently considered undervalued, with a PE ratio of 18.81, an EV to EBITDA ratio of 10.38, and a ROE of 14.45%. In comparison to its peers, KIFS Financial's valuation metrics stand out, especially when contrasted with Bajaj Finance, which has a much higher PE ratio of 34.62, and Life Insurance, which has a lower EV to EBITDA ratio of 9.29.\n\nDespite recent stock performance showing a decline of 13.73% over the past week, KIFS Financial has demonstrated strong long-term growth, with a remarkable 5-year return of 242.70% compared to the Sensex's 93.78%. This long-term performance, coupled with its attractive valuation metrics, supports the conclusion that KIFS Financial is undervalued relative to its peers in the Non-Banking Financial Company sector...."
      }
    ],
    "total": 489,
    "sid": "683569",
    "stock_news_url": "https://www.marketsmojo.com/news/kifs-financial-services-683569"
  },
  "announcements": [
    {
      "caption": "Announcement under Regulation 30 (LODR)-Newspaper Publication",
      "datetime": "15-Nov-2025",
      "details": "Newspaper publication for financial results for September 30 2025",
      "source": "BSE"
    },
    {
      "caption": "Unaudited Financial Results For September 30 2025",
      "datetime": "14-Nov-2025",
      "details": "Unaudited Financial Results for the quarter and half year ended on September 30 2025",
      "source": "BSE"
    },
    {
      "caption": "Board Meeting Outcome for Outcome Of Board Meeting And Unaudited Financial Results",
      "datetime": "14-Nov-2025",
      "details": "Outcome of board meeting and submission of unaudited financial results for the quarter and half year ended on September 30 2025.",
      "source": "BSE"
    }
  ],
  "corporate_actions": [
    {
      "img": "board-meeting.svg",
      "title": "BOARD MEETING",
      "msg": "<span>No</span> Upcoming Board Meetings",
      "data": []
    },
    {
      "img": "dividend.svg",
      "title": "DIVIDEND",
      "msg": "",
      "data": [
        {
          "txt": "KIFS Financial Services Ltd has declared <strong>15%</strong> dividend, ex-date: 12 Aug 25",
          "dt": "2025-08-12",
          "middle_text": "Dividend Alert"
        }
      ]
    },
    {
      "img": "splits.svg",
      "title": "SPLITS",
      "msg": "No <strong>Splits</strong> history available",
      "data": []
    },
    {
      "img": "bonus.svg",
      "title": "BONUS",
      "msg": "No <strong>Bonus</strong> history available",
      "data": []
    },
    {
      "img": "rights-issues.svg",
      "title": "RIGHTS",
      "msg": "No <strong>Rights</strong> history available",
      "data": []
    }
  ]
}

News and Views

KIFS Financial Sees Revision in Market Evaluation Amid Mixed Performance Metrics

2025-12-05 10:11:01

KIFS Financial has experienced a revision in its market evaluation reflecting a nuanced shift in its fundamental and technical outlook. The recent assessment highlights a combination of valuation appeal tempered by challenges in quality and financial trends, set against a backdrop of fluctuating stock returns and sector dynamics within the Non Banking Financial Company (NBFC) space.

Is KIFS Financial overvalued or undervalued?

2025-12-05 08:26:19

Valuation Metrics and Financial Health

KIFS Financial’s price-to-earnings (PE) ratio stands at approximately 15.9, which is notably lower than many of its prominent peers in the NBFC space. This suggests that the stock is trading at a relatively modest multiple of its earnings. The price-to-book (P/B) ratio of 2.34 indicates that the market values the company at more than twice its book value, reflecting moderate investor confidence in its asset base.

Enterprise value (EV) multiples such as EV to EBIT and EV to EBITDA are around 13.2 and 13.1 respectively, which are reasonable when compared to the sector averages. The EV to capital employed ratio is particularly low at 1.27, signalling efficient use of capital relative to the company’s valuation. Additionally, the PEG ...

Why is KIFS Financial falling/rising?

2025-12-04 00:48:04

Extended Downtrend and Relative Weakness

KIFS Financial has been on a downward trajectory over the past week, registering a cumulative loss of 7.07%, significantly underperforming the Sensex, which declined by only 0.59% during the same period. This negative momentum extends beyond the short term, with the stock falling 9.61% over the last month while the benchmark index advanced by 1.34%. Year-to-date figures further highlight the stock’s struggles, as it has declined by 16.84%, contrasting sharply with the Sensex’s robust 8.92% gain. Over the last twelve months, KIFS Financial’s shares have dropped 18.56%, whereas the Sensex has appreciated by 5.27%.

The stock’s relative underperformance is also evident when viewed over longer horizons. While the Sensex has delivered...

Why is KIFS Financial falling/rising?

2025-11-19 22:59:31

As of 19-Nov, KIFS Financial Services Ltd is experiencing a decline in its stock price, currently at Rs 136.40, which reflects a decrease of Rs 4.8 or 3.4%. The stock has underperformed its sector by 3.23% today, reaching an intraday low of Rs 132.75, which is a drop of 5.98%. Over the past week, the stock has decreased by 6.06%, and year-to-date, it has fallen by 11.00%. Despite a higher trading volume on November 18, with delivery volume rising by 181.51% against the 5-day average, the stock remains below several short-term moving averages, indicating a bearish trend. Unfortunately, there is no information available regarding positive or negative factors that could have influenced the stock's recent movement. Broader market context shows that while KIFS Financial has struggled, the benchmark Sensex has gained 0.85% over the past week and 9.02% year-to-date. This stark contrast highlights the stock's unde...

How has been the historical performance of KIFS Financial?

2025-11-19 22:42:53

Answer: 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. Breakdown: 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 c...

Is KIFS Financial overvalued or undervalued?

2025-11-18 08:21:48

As of 17 November 2025, KIFS Financial's valuation grade has moved from attractive to fair, indicating a shift in its perceived value. The company is currently fairly valued. Key ratios include a PE Ratio of 17.49, an EV to EBITDA of 10.93, and a PEG Ratio of 0.78, which suggest that while the company is not undervalued, it also does not appear to be significantly overvalued compared to its peers. In comparison to its industry peers, KIFS Financial's PE Ratio is notably lower than Bajaj Finance's 34.85 and Bajaj Finserv's 34.31, both of which are classified as very expensive. On the other hand, it is higher than Life Insurance's attractive valuation with a PE of 11.33. The recent stock performance shows KIFS Financial underperforming against the Sensex, with a year-to-date return of -7.99% compared to the Sensex's 8.72%, which may reinforce the view of its fair valuation amidst broader market trends....

How has been the historical performance of KIFS Financial?

2025-11-17 23:08:55

Answer: The historical performance of KIFS Financial shows a fluctuating trend in net sales and profitability over the years, with a notable decline in net sales from INR 46.64 crore in March 2024 to INR 29.12 crore in March 2025. Operating profit, however, increased to INR 11.31 crore in March 2025 from INR 10.25 crore in the previous year, indicating improved operational efficiency despite lower sales. Profit after tax also rose to INR 8.07 crore in March 2025, up from INR 7.12 crore in March 2024, reflecting a PAT margin increase to 27.71%. The company's total assets grew significantly to INR 393.61 crore in March 2025 from INR 301.70 crore in March 2024, primarily driven by an increase in cash and bank balances, which surged to INR 176.76 crore. Total liabilities also increased to INR 393.61 crore, with short-term borrowings rising to INR 332.05 crore. The book value per share improved to INR 52.7 in Ma...

Is KIFS Financial overvalued or undervalued?

2025-11-17 08:09:05

As of 14 November 2025, KIFS Financial's valuation grade has moved from fair to attractive, indicating a positive shift in its perceived value. The company is currently considered undervalued, with a PE ratio of 18.81, an EV to EBIT of 10.54, and a ROE of 14.45%. In comparison, Bajaj Finance, a peer in the same industry, has a significantly higher PE ratio of 34.62, while Life Insurance boasts a more favorable EV to EBITDA of 9.29, highlighting KIFS Financial's relative attractiveness. Despite recent stock performance showing a decline of 13.73% over the past week compared to a 1.62% gain in the Sensex, the long-term perspective remains strong, with a remarkable 5-year return of 242.70%. This performance, coupled with a PEG ratio of 1.39, suggests that KIFS Financial presents a compelling investment opportunity within the Non-Banking Financial Company sector....

Is KIFS Financial overvalued or undervalued?

2025-11-16 08:08:38

As of 14 November 2025, KIFS Financial's valuation grade has moved from fair to attractive, indicating a positive shift in its market perception. The company is currently considered undervalued, with a PE ratio of 18.81, an EV to EBITDA ratio of 10.38, and a ROE of 14.45%. In comparison to its peers, KIFS Financial's valuation metrics stand out, especially when contrasted with Bajaj Finance, which has a much higher PE ratio of 34.62, and Life Insurance, which has a lower EV to EBITDA ratio of 9.29. Despite recent stock performance showing a decline of 13.73% over the past week, KIFS Financial has demonstrated strong long-term growth, with a remarkable 5-year return of 242.70% compared to the Sensex's 93.78%. This long-term performance, coupled with its attractive valuation metrics, supports the conclusion that KIFS Financial is undervalued relative to its peers in the Non-Banking Financial Company sector....

View All News