KIFS Financial Services Intrinsic Value
KIFS Financial Services (KIFS) median intrinsic value is ₹87.27 from 9 valuation models (range ₹33–₹255), vs current price ₹101.85 — -14.3% downside (Trading Above Median Value), margin of safety -16.7%. For current market price and key ratios, visit KIFS Financial Services stock price NSE.
KIFS Valuation Methods Summary — DCF, Graham Number & P/E
KIFS Financial Services intrinsic value across 9 models vs current price ₹101.85 — upside/downside and value range per method. Read KIFS dividend payout details for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹88.56 | ₹70.85 - ₹106.27 | -13.0% | EPS: ₹7.38, Sector P/E: 12x |
| Book Value Method | asset | ₹45.82 | ₹41.24 - ₹50.40 | -55.0% | Book Value/Share: ₹57.27, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹32.73 | ₹29.46 - ₹36.00 | -67.9% | Revenue/Share: ₹32.73, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹154.55 | ₹139.10 - ₹170.01 | +51.7% | EBITDA: ₹34.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹254.62 | ₹203.70 - ₹305.54 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹40.49 | ₹36.44 - ₹44.54 | -60.2% | EPS Growth: 6.9%, Fair P/E: 5.5x |
| Growth Adjusted P/E | growth | ₹59.69 | ₹53.72 - ₹65.66 | -41.4% | Revenue Growth: 2.2%, Adj P/E: 8.1x |
| ROE Based Valuation | profitability | ₹87.27 | ₹78.54 - ₹96.00 | -14.3% | ROE: 12.7%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹97.52 | ₹87.77 - ₹107.27 | -4.3% | EPS: ₹7.38, BVPS: ₹57.27 |
KIFS Intrinsic Value vs Market Price — All Valuation Models
KIFS Financial Services fair value range ₹33–₹255 vs current market price ₹101.85 across 9 valuation models. Analyse KIFS FII DII holdings to track promoter, FII and institutional holdings.
KIFS Intrinsic Value Analysis — Undervalued or Overvalued?
KIFS Financial Services median intrinsic value ₹87.27, current price ₹101.85 — Trading Above Median Value by 14.3%, margin of safety -16.7%.
What is the intrinsic value of KIFS?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of KIFS Financial Services (KIFS) is ₹87.27 (median value). With the current market price of ₹101.85, this represents a -14.3% variance from our estimated fair value.
The valuation range spans from ₹32.73 to ₹254.62, indicating ₹32.73 - ₹254.62.
Is KIFS undervalued or overvalued?
Based on our multi-method analysis, KIFS Financial Services (KIFS) appears to be trading above median value by approximately 14.3%.
KIFS Financial Health — Key Ratios vs Industry Benchmarks
KIFS 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 | 0.07 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 12.7% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 96.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.08x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
KIFS Cash Flow Quality — Operating & Free Cash Flow
KIFS 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 | ₹148 Cr | ₹148 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹49 Cr | ₹34 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹-8 Cr | ₹-8 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-26 Cr | ₹-27 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹31 Cr | ₹31 Cr | Positive Free Cash Flow | 8/10 |