KIFS Financial Services Ltd

BSE: KIFS · Non Banking Financial Company (NBFC)

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Snapshot

Unlock KIFS Financial Services Ltd's vital signs

Growth · Profitability · Valuation · Strength · Conviction

Company Overview

Business

KIFS Financial Services Limited is an Ahmedabad-based non-banking financial company (NBFC) that specialises in providing margin funding and loans against securities. It operates as a niche financial services provider within the KIFS Group, primarily serving investors and traders in the capital markets.

Business Model

The company generates revenue primarily through interest income and processing fees derived from its short-term lending activities. Its business model is underpinned by financing solutions secured against financial assets held by its clientele.

Growth Outlook

Growth is expected to be driven by the company's established presence in the Gujarat region and its ability to cater to the liquidity requirements of capital market participants. Future expansion remains tied to the broader performance and volatility of the Indian stock and commodities markets.

Key Risks

  • Market Volatility. As the company provides loans against securities, significant downturns in the stock market can lead to asset devaluation and increased credit risk.
  • Concentration Risk. The company's niche focus on the Gujarat region and specific capital market segments may limit its ability to diversify revenue streams.
  • Regulatory Risk. As an NBFC, the company is subject to evolving Reserve Bank of India regulations which may impact its lending margins and operational compliance costs.
  • Liquidity Risk. The reliance on short-term financing solutions necessitates efficient asset-liability management to ensure sufficient liquidity during market stress.

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Key Metrics

REVENUE

₹36 Cr

TTM · standalone

+23.6%YoY

NET PROFIT

₹8 Cr

TTM · standalone

-1.1%YoY

EPS

₹7.39

TTM · standalone

-0.9%YoY

RETURN ON EQUITY

13.6%

TTM · standalone

-1.9 ppYoY

P/E

15.0x

Q4 FY26 · standalone

15.0 vs 18.2x5Y avg

NET PROFIT MARGIN

15.6%

Q4 FY26 · standalone

-32.1 ppYoY

Peers · Non Banking Financial Company (NBFC)

CompanyMkt CapP/EEV/EBITDARev Gr YoYEBITDA MgnROEROCE1Y Return
KIFS Financial Services LtdKIFS
₹121 Cr15.1623.6%13.6%-30.8%
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