KIFS Financial Services Intrinsic Value
KIFS Financial Services (KIFS) median intrinsic value is ₹97.18 from 10 valuation models (range ₹37–₹305), vs current price ₹121.80 — -20.2% downside (Trading Above Calculated Value), margin of safety -25.3%. For current market price and key ratios, visit KIFS share price.
KIFS Valuation Methods Summary — DCF, Graham Number & P/E
KIFS Financial Services intrinsic value across 10 models vs current price ₹121.80 — upside/downside and value range per method. Browse KIFS income statement for revenue, profit, balance sheet and cash flow data.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹97.20 | ₹77.76 - ₹116.64 | -20.2% | EPS: ₹8.10, Sector P/E: 12x |
| Book Value Method | asset | ₹41.45 | ₹37.31 - ₹45.60 | -66.0% | Book Value/Share: ₹51.82, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹36.54 | ₹32.89 - ₹40.19 | -70.0% | Revenue/Share: ₹30.00, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹134.05 | ₹120.65 - ₹147.46 | +10.1% | EBITDA: ₹32.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹304.50 | ₹243.60 - ₹365.40 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹60.75 | ₹54.68 - ₹66.83 | -50.1% | EPS Growth: 9.4%, Fair P/E: 7.5x |
| Growth Adjusted P/E | growth | ₹66.74 | ₹60.07 - ₹73.41 | -45.2% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹114.55 | ₹103.09 - ₹126.01 | -6.0% | ROE: 15.8%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹97.18 | ₹87.46 - ₹106.90 | -20.2% | EPS: ₹8.10, BVPS: ₹51.82 |
| Dividend Yield Method | dividend | ₹37.50 | ₹33.75 - ₹41.25 | -69.2% | DPS: ₹1.50, Target Yield: 4.0% |
KIFS Intrinsic Value vs Market Price — All Valuation Models
KIFS Financial Services fair value range ₹37–₹305 vs current market price ₹121.80 across 10 valuation models. Compare with KIFS fundamental valuation to assess whether the stock is under or overvalued.
KIFS Intrinsic Value Analysis — Undervalued or Overvalued?
KIFS Financial Services median intrinsic value ₹97.18, current price ₹121.80 — Trading Above Calculated Value by 20.2%, margin of safety -25.3%.
What is the intrinsic value of KIFS?
Based on our comprehensive analysis using 10 different valuation methods, the estimated intrinsic value of KIFS Financial Services (KIFS) is ₹97.18 (median value). With the current market price of ₹121.80, this represents a -20.2% variance from our estimated fair value.
The valuation range spans from ₹36.54 to ₹304.50, indicating ₹36.54 - ₹304.50.
Is KIFS undervalued or overvalued?
Based on our multi-method analysis, KIFS Financial Services (KIFS) appears to be trading above calculated value by approximately 20.2%.
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 | 0.54 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 6.91 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 15.8% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 98.0% | 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 |