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KIFS Financial Services Ltd

NSE: BSE: 535566

120

(-2.79%)

Wed, 11 Mar 2026, 10:33 pm

KIFS Financial Services Analysis

dividend

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Pros

  • Dividends paid are well covered by earnings (3.7x coverage).
  • KIFS Financial Services's pays a higher dividend yield than the bottom 25% of dividend payers in India (0.76%).
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Cons

  • Dividend payments have increased, but KIFS Financial Services only paid a dividend in the past 7 years.
  • Whilst dividend payments have been stable, KIFS Financial Services has been paying a dividend for less than 10 years.
  • KIFS Financial Services's dividend is below the markets top 25% of dividend payers in India (3.08%).

health

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Pros

  • KIFS Financial Services is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • KIFS Financial Services is profitable, therefore cash runway is not a concern.
  • KIFS Financial Services is profitable, therefore cash runway is not a concern.
  • Debt is covered by short term assets, assets are 1.2x debt.
  • KIFS Financial Services'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 (3%, less than 20% of total debt).
  • The level of debt compared to net worth has increased over the past 5 years (11.4% vs 446.1% today).
  • KIFS Financial Services's level of debt (446.1%) compared to net worth is high (greater than 40%).

management

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Pros

  • The average tenure for the KIFS Financial Services board of directors is over 10 years, this suggests they are a seasoned and experienced board.
  • Rajesh's remuneration is lower than average for companies of similar size in India.
  • Rajesh's compensation has been consistent with company performance over the past year, both up more than 20%.
  • The average tenure for the KIFS Financial Services management team is over 5 years, this suggests they are a seasoned and experienced team.
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Cons

    misc

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    Pros

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      Cons

      • KIFS Financial Services is not covered by any analysts.
      • KIFS Financial Services has significant price volatility in the past 3 months.
      • BSE:535566 has not traded for 12 days.

      past

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      Pros

      • KIFS Financial Services's 1-year earnings growth exceeds its 5-year average (30.9% vs 10.7%)
      • KIFS Financial Services's year on year earnings growth rate has been positive over the past 5 years.
      • KIFS Financial Services's earnings growth has exceeded the IN Diversified Financial industry average in the past year (30.9% vs 13.5%).
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      Cons

      • KIFS Financial Services used its assets less efficiently than the IN Diversified Financial industry average last year based on Return on Assets.
      • KIFS Financial Services has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).

      value

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      Pros

      • 535566 outperformed the Diversified Financial industry which returned -37.3% over the past year.
      • 535566 outperformed the Market in India which returned -14.5% over the past year.
      • BSE:535566 is up 20.3% outperforming the Diversified Financial industry which returned 10.8% over the past month.
      • BSE:535566 is up 20.3% outperforming the market in India which returned 8% over the past month.
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      Cons

      • KIFS Financial Services's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
      • KIFS Financial Services's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
      • KIFS Financial Services is overvalued based on assets compared to the IN Diversified Financial industry average.
      • KIFS Financial Services is overvalued based on earnings compared to the IN Diversified Financial industry average.
      • KIFS Financial Services is overvalued based on earnings compared to the India market.

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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