Kumbhat Financial Services Intrinsic Value
Kumbhat Financial Services intrinsic value. Kumbhat Financial Services (KUMPFIN) median intrinsic value is ₹26.80 from 9 valuation models (range ₹8–₹54), vs current price ₹21.43 — +25.1% upside (Trading Below Calculated Value), margin of safety 20.0%. For current market price and key ratios, visit Kumbhat Financial Services share price chart.
KUMPFIN Valuation Methods Summary — DCF, Graham Number & P/E
Kumbhat Financial Services intrinsic value across 9 models vs current price ₹21.43 — upside/downside and value range per method. Compare with KUMPFIN fair value to assess whether the stock is under or overvalued.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹36.00 | ₹28.80 - ₹43.20 | +68.0% | EPS: ₹3.00, Sector P/E: 12x |
| Book Value Method | asset | ₹8.00 | ₹7.20 - ₹8.80 | -62.7% | Book Value/Share: ₹10.00, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹10.00 | ₹9.00 - ₹11.00 | -53.3% | Revenue/Share: ₹10.00, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹26.80 | ₹24.12 - ₹29.48 | +25.1% | EBITDA: ₹3.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹53.58 | ₹42.86 - ₹64.30 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹48.00 | ₹43.20 - ₹52.80 | +124.0% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹25.80 | ₹23.22 - ₹28.38 | +20.4% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹28.00 | ₹25.20 - ₹30.80 | +30.7% | ROE: 20.0%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹20.00 | ₹18.00 - ₹22.00 | -6.7% | EPS: ₹3.00, BVPS: ₹10.00 |
KUMPFIN Intrinsic Value vs Market Price — All Valuation Models
Kumbhat Financial Services fair value range ₹8–₹54 vs current market price ₹21.43 across 9 valuation models. Read KUMPFIN dividend growth for the complete payout history and dividend yield track record.
KUMPFIN Intrinsic Value Analysis — Undervalued or Overvalued?
Kumbhat Financial Services median intrinsic value ₹26.80, current price ₹21.43 — Trading Below Calculated Value by 25.1%, margin of safety 20.0%.
What is the intrinsic value of KUMPFIN?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Kumbhat Financial Services (KUMPFIN) is ₹26.80 (median value). With the current market price of ₹21.43, this represents a +25.1% variance from our estimated fair value.
The valuation range spans from ₹8.00 to ₹53.58, indicating ₹8.00 - ₹53.58.
Is KUMPFIN undervalued or overvalued?
Based on our multi-method analysis, Kumbhat Financial Services (KUMPFIN) appears to be trading below calculated value by approximately 25.1%.
KUMPFIN Financial Health — Key Ratios vs Industry Benchmarks
Kumbhat Financial Services financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.27 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 4.40 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 20.0% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 58.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.23x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
KUMPFIN Cash Flow Quality — Operating & Free Cash Flow
Kumbhat Financial Services operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-12 Cr | ₹-12 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹0 Cr | ₹0 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹3 Cr | ₹3 Cr | Positive Free Cash Flow | 8/10 |
| March 2022 | ₹1 Cr | ₹1 Cr | Positive Free Cash Flow | 8/10 |
| March 2021 | ₹-4 Cr | ₹-4 Cr | Negative Cash Flow | 3/10 |