Kalyan Capitals

BSE: KALYANCAP · Non Banking Financial Company (NBFC)

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Snapshot

Unlock Kalyan Capitals's vital signs

Growth · Profitability · Valuation · Strength · Conviction

Company Overview

Business

Kalyan Capitals Limited is an Indian non-banking financial company that provides financial solutions to small and medium enterprises and retail customers. The company offers a diverse portfolio including business loans, personal loans, and asset-backed financing.

Business Model

The company generates revenue by providing customized lending products to underserved market segments, leveraging its capital base to maintain a lean operational structure.

Management Commentary

Management focuses on maintaining credit quality and robust risk management practices while expanding the loan book within the competitive Indian NBFC landscape.

Growth Outlook

Growth is driven by targeting niche credit markets and bridging the credit gap for underserved segments of the Indian economy.

Key Risks

  • Credit Risk. The company faces potential losses if borrowers are unable to meet their repayment obligations, particularly within the SME and retail segments.
  • Regulatory Risk. As an NBFC, the company is subject to evolving regulatory frameworks and compliance requirements set by the Reserve Bank of India.
  • Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the overall demand for its credit products.
  • Market Competition. The highly competitive Indian NBFC landscape may pressure margins and limit the company's ability to capture market share.

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Key Metrics

REVENUE

₹35 Cr

TTM · consolidated

+33.5%YoY

NET PROFIT

₹6 Cr

TTM · consolidated

+80.5%YoY

EPS

₹1.93

TTM · consolidated

+227.1%YoY

RETURN ON EQUITY

10.6%

TTM · consolidated

+4.2 ppYoY

P/E

4.1x

Q4 FY26 · consolidated

4.1 vs 9.5x5Y avg

NET PROFIT MARGIN

11.9%

Q4 FY26 · consolidated

+10.9 ppYoY

Peers · Non Banking Financial Company (NBFC)

CompanyMkt CapP/EEV/EBITDARev Gr YoYEBITDA MgnROEROCE1Y Return
Kalyan CapitalsKALYANCAP
₹36 Cr3.5633.5%10.6%-25.7%
Purple FinancePURPLEFIN
₹433 Cr-367.50204.7%-1.2%+102.3%
Akme Fintrade (India) LimitedAFIL
₹401 Cr9.0440.5%11.0%+35.4%
Moneyboxx Finance LimitedMONEYBOXX
₹398 Cr237.385.9%0.5%-57.2%
Muthoot Capital Services LimitedMUTHOOTCAP
₹395 Cr16.5022.0%3.6%-12.6%
Avonmore Capital & Management Services LimitedAVONMORE
₹392 Cr25.7411.4%8.3%-27.6%

As of Q4 FY26

Financials