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Karnavati Finance Ltd logo

Karnavati Finance Ltd

NSE: BSE: 538928

1.26

(5.00%)

Mon, 30 Mar 2026, 08:03 pm

Karnavati Finance Analysis

dividend

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Pros

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    Cons

    • Unable to evaluate Karnavati Finance's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
    • Unable to evaluate Karnavati Finance's dividend against the top 25% market benchmark as the company has not reported any payouts.

    health

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    Pros

    • Karnavati Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
    • Karnavati Finance is profitable, therefore cash runway is not a concern.
    • Karnavati Finance is profitable, therefore cash runway is not a concern.
    • Debt is covered by short term assets, assets are 1.9x debt.
    • Karnavati Finance's cash and other short term assets cover its long term commitments.
    • Low level of unsold assets.
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    Cons

    • Debt is not well covered by operating cash flow (16.7%, less than 20% of total debt).
    • The level of debt compared to net worth has increased over the past 5 years (3.4% vs 118.7% today).
    • Karnavati Finance's level of debt (118.7%) compared to net worth is high (greater than 40%).

    management

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    Pros

    • Jay's remuneration is lower than average for companies of similar size in India.
    • Jay's compensation has been consistent with company performance over the past year, both up more than 20%.
    • The average tenure for the Karnavati Finance management team is over 5 years, this suggests they are a seasoned and experienced team.
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    Cons

    • The average tenure for the Karnavati Finance board of directors is less than 3 years, this suggests a new board.

    misc

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    Pros

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      Cons

      • Karnavati Finance is not covered by any analysts.
      • Karnavati Finance has significant price volatility in the past 3 months.

      past

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      Pros

      • Karnavati Finance's 1-year earnings growth exceeds its 5-year average (355.6% vs 20.3%)
      • Karnavati Finance has delivered over 20% year on year earnings growth in the past 5 years.
      • Karnavati Finance used its assets more efficiently than the IN Consumer Finance industry average last year based on Return on Assets.
      • Karnavati Finance's earnings growth has exceeded the IN Consumer Finance industry average in the past year (355.6% vs 11%).
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      Cons

      • Karnavati Finance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).

      value

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      Pros

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        Cons

        • Karnavati Finance is overvalued based on assets compared to the IN Consumer Finance industry average.
        • Karnavati Finance is overvalued based on earnings compared to the IN Consumer Finance industry average.
        • Karnavati Finance is overvalued based on earnings compared to the India market.
        • 538928 underperformed the Consumer Finance industry which returned -28.8% over the past year.
        • 538928 underperformed the Market in India which returned -14.5% over the past year.
        • BSE:538928 is down -22.3% underperforming the Consumer Finance industry which returned 10.3% over the past month.
        • BSE:538928 is down -22.3% underperforming the market in India which returned 8% over the past month.

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        Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800