KIFS Financial Services Intrinsic Value
KIFS Financial Services (KIFS) median intrinsic value is ₹87.27 from 9 valuation models (range ₹35–₹276), vs current price ₹110.50 — -21.0% downside (Trading Above Calculated Value), margin of safety -26.6%. Check KIFS Financial Services market cap to track the company's total market size over time.
KIFS Valuation Methods Summary — DCF, Graham Number & P/E
KIFS Financial Services intrinsic value across 9 models vs current price ₹110.50 — upside/downside and value range per method. See KIFS Financial Services P/B valuation to compare market price against book value per share.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹92.40 | ₹73.92 - ₹110.88 | -16.4% | EPS: ₹7.70, Sector P/E: 12x |
| Book Value Method | asset | ₹45.82 | ₹41.24 - ₹50.40 | -58.5% | Book Value/Share: ₹57.27, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹35.45 | ₹31.91 - ₹39.00 | -67.9% | Revenue/Share: ₹35.45, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹168.18 | ₹151.36 - ₹185.00 | +52.2% | EBITDA: ₹37.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹276.25 | ₹221.00 - ₹331.50 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹42.12 | ₹37.91 - ₹46.33 | -61.9% | EPS Growth: 6.8%, Fair P/E: 5.5x |
| Growth Adjusted P/E | growth | ₹63.42 | ₹57.08 - ₹69.76 | -42.6% | Revenue Growth: 5.9%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹87.27 | ₹78.54 - ₹96.00 | -21.0% | ROE: 12.7%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹99.61 | ₹89.65 - ₹109.57 | -9.9% | EPS: ₹7.70, BVPS: ₹57.27 |
KIFS Intrinsic Value vs Market Price — All Valuation Models
KIFS Financial Services fair value range ₹35–₹276 vs current market price ₹110.50 across 9 valuation models. For current market price and key ratios, visit KIFS Financial Services stock price NSE.
KIFS Intrinsic Value Analysis — Undervalued or Overvalued?
KIFS Financial Services median intrinsic value ₹87.27, current price ₹110.50 — Trading Above Calculated Value by 21.0%, margin of safety -26.6%.
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 ₹110.50, this represents a -21.0% variance from our estimated fair value.
The valuation range spans from ₹35.45 to ₹276.25, indicating ₹35.45 - ₹276.25.
Is KIFS undervalued or overvalued?
Based on our multi-method analysis, KIFS Financial Services (KIFS) appears to be trading above calculated value by approximately 21.0%.
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 | 0.09x | 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 |