Kumbhat Financial Services Ltd.

BSE: KUMPFIN · Non Banking Financial Company (NBFC)

52W Range₹17 ₹26

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Snapshot

Unlock Kumbhat Financial Services Ltd.'s vital signs

Growth · Profitability · Valuation · Strength · Conviction

Company Overview

Business

Kumbhat Financial Services Limited is a Chennai-based non-banking financial company registered with the Reserve Bank of India. It focuses on investment activities and the provision of credit facilities to corporate bodies and individuals.

Business Model

The company generates revenue primarily through interest income from inter-corporate deposits and short-term loans. Additionally, it earns returns via dividends and capital gains from its equity and securities investment portfolio.

Management Commentary

The firm is managed by the Kumbhat family, maintaining a conservative operational scale as a small-cap entity on the Bombay Stock Exchange.

Growth Outlook

Growth is driven by the provision of bridge financing and liquidity solutions to a niche client base. The company continues to focus on capital deployment through its established lending and investment channels.

Key Risks

  • Credit Risk. The company faces potential losses if borrowers default on short-term loans or inter-corporate deposits.
  • Market Risk. Fluctuations in equity markets and interest rates may adversely impact the value of the company's investment portfolio and interest income.
  • Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulations from the Reserve Bank of India which may impact operational flexibility.
  • Liquidity Risk. The small-cap nature of the entity may limit its access to capital markets and affect its ability to meet short-term funding requirements.

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Key Metrics

REVENUE

₹7 Cr

TTM · standalone

+229.0%YoY

NET PROFIT

₹0.82 Cr

TTM · standalone

-39.7%YoY

EPS

₹1.54

TTM · standalone

-46.2%YoY

RETURN ON EQUITY

14.9%

TTM · standalone

-26.4 ppYoY

P/E

16.2x

Q4 FY26 · standalone

16.2 vs 44.8x5Y avg

NET PROFIT MARGIN

54.8%

Q4 FY26 · standalone

-76.4 ppYoY

DEBT TO EQUITY

0.0x

Q1 FY21 · standalone

+0.00xYoY

Peers · Non Banking Financial Company (NBFC)

CompanyMkt CapP/EEV/EBITDARev Gr YoYEBITDA MgnROEROCE1Y Return
Kumbhat Financial Services Ltd.KUMPFIN
₹9 Cr11.14229.0%14.9%-18.4%
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