KIFS Financial Services Ltd Intrinsic Value
Valuation
Blended fair value using DCF and peer comparison methods.
KIFS Financial Services Ltd Intrinsic Value Analysis
A current price is not available for KIFS Financial Services Ltd (KIFS), so a price-to-value comparison cannot be shown. Understock's estimated intrinsic value is ₹81 per share.
The displayed estimate uses the available peer-based value of ₹81; a DCF estimate is not currently available. Peer comparison uses 8 matched industry companies and contributing P/E, P/B multiples.
For context, available company data reports ROE of 15.7% and P/B of 2.3×. These metrics describe the business and are not separate intrinsic-value estimates.
How Understock Calculates Intrinsic Value
Understock follows the company's stored valuation classification. Where DCF applies, the model discounts projected or normalized cash flows and terminal value using stored assumptions. Peer valuation compares available company multiples with medians from matched industry or sector companies, with a curated peer-group fallback where database matches are unavailable; the contributing multiples and their weights depend on sector rules and available data. For this page, the available displayed estimate comes from peer valuation. DCF and peer estimates can differ because they use different assumptions, financial metrics, and market reference points.
Review this company's DCF valuation · Learn how DCF works · Use the DCF calculator · See KIFS Financial Services Ltd peer valuation · What intrinsic value means
The intrinsic value shown is an algorithmic estimate based on publicly available financial data — including DCF analysis, peer comparison, and historical financials. It is not a research report, investment advice, or a recommendation to buy, sell, or hold any security. Stock valuations involve uncertainty and may differ significantly from market prices. Please consult a SEBI-registered investment adviser before making any investment decision.
KIFS Financial Services Ltd Peer Comparison
How this company stacks up against sector peers on valuation and quality metrics.
Financial Services · 8 peers · sector medians shown
| Company | Mkt Cap | P/E | P/B | EV/EBITDA | ROE | Net Margin | Rev CAGR 3y |
|---|---|---|---|---|---|---|---|
KIFS Financial Services Ltd KIFS · you | ₹124 Cr | 14.9× | 2.3× | — | 15.7% | — | — |
| Sector median | — | 13.1× | 1.1× | 6.3× | 6.4% | 10.2% | 5.4% |
| Balmer Lawrie Investments Limited BLIL | ₹1,234 Cr | 4.5× | 0.6× | 1.1× | 13.4% | 10.2% | 5.4% |
| Centrum Capital Limited CENTRUM | ₹1,217 Cr | — | 3.8× | — | -44.4% | -3.9% | 42.9% |
| Haryana Financial Corporation ltd. HARAFIN | ₹1,210 Cr | 177.0× | 6.1× | — | 3.5% | -2.0% | — |
| Saraswati Commercial India Limited ZSARACOM | ₹1,206 Cr | 13.1× | 1.1× | — | 8.4% | 803.4% | -21.8% |
| AK Capital Services Limited AKCAPIT | ₹1,127 Cr | 10.2× | 1.1× | 11.6× | 10.6% | 20.8% | 9.7% |
| Vardhman Holdings Limited VHL | ₹1,101 Cr | 23.9× | 1.1× | — | 4.5% | — | — |
| Jindal Poly Investment and Finance Company Limited JPOLYINVST | ₹1,076 Cr | 1.3× | 0.7× | 100.4× | 53.4% | 7541.9% | -84.5% |
| Stel Holdings Limited STEL | ₹1,066 Cr | 54.3× | 0.5× | — | 0.9% | -1.3% | — |
KIFS is fairly valued relative to sector peers — trading near the sector median on key multiples (P/E ~13.1×, EV/EBITDA ~6.3×). Focus on execution quality and earnings trajectory from here.
Business quality
Valuation
Returns
Growth
Efficiency
Liquidity & Solvency
Financial health
Piotroski F-Score, Altman Z-Score, and key solvency ratios.
Full financial data
Charts and annual statements for income, balance sheet and cash flow.
Income trend
Revenue, profit and margin trends over time.
Cash flow
Where cash comes from and where it goes.
Balance sheet
For banks: deposits are the primary liability, advances (loan book) are the primary asset. Debt/Equity ratios are structurally high for banks.