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K Z Leasing and Finance Limited (511728) Fair Value & Analysis

Other · IN · Market cap ₹31.4M

KZ K Z Leasing and Finance Limited 511728 · BSE
Price₹21.70
Fair Value₹33.95
Upside+56.5%
Quality42/100
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Weak Growth
Highly profitable · 40.1% net margin
Moderate debt · negative free cash flow
Ranks above peers (8/12)
Moderate moat 47/100
Evidence: Low Range ₹25.33 – ₹50.67 Share as image

Fair value as of: Aug 17, 2026

From 1 valuation models · updated 2 days ago

Below-average quality, screening 56% undervalued on our models.

What matters now

  • The large discount to fair value meets weak quality (42/100). That raises the risk this is a value trap rather than a bargain.
  • The price is below even our cautious bear case (₹25.33). The market is more pessimistic than our downside scenario.
  • The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
  • A fairly wide model range (₹25.33 to ₹50.67) leaves room in how you read the outcome.
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Price vs Fair Value (5 years)

₹40.88 ₹6.36 Fair Value ₹33.95 Nov 2017 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 17, 2026.

How to read this chart

60‑month range ₹6.36 – ₹40.88 · fair‑value band ₹25.33 – ₹50.67 · the ₹21.70 price screens below the ₹33.95 fair value. Dashed = 300-day average. As of Aug 17, 2026.

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Analysis

K Z Leasing and Finance Limited (511728) currently trades at ₹21.70, while our model-based Fair Value estimate is ₹33.95, implying the stock looks roughly 56.5% undervalued today. The Quality Score stands at 42/100 (below-average quality), in the Other sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: low), always confirm before acting.

Over the trailing twelve months, K Z Leasing and Finance Limited generated revenue of ₹8.6M at a net margin of 40.1%. Revenue grew 44.4% year over year. It earns a return on equity of 2.7%. Net debt stands at ₹222M. Fundamentals as of Aug 17, 2026

Our scenario range runs from ₹25.33 (bear case) to ₹50.67 (bull case); at ₹21.70, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 33% below its 52-week high and 49% above its 52-week low. For context, the median of 10 Other peers we cover trades at -24% fair-value upside, at 56%, 511728 screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model Bear Bear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull Bull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence
Highest evidence
NCAV (Graham) ₹25.33 ₹33.95 ₹50.67 50
All 1 models by family
Asset-Based
NCAV (Graham) ₹25.33 ₹33.95 ₹50.67 50

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Key figures & financial health

Revenue (TTM) ₹8.6M
Revenue growth (YoY) +44.4%
Net margin 40.1%
Return on equity 2.7%
Free cash flow −₹46.5M FY2026
P/E ratio 7.2 as of Jul 4, 2026
More key figures
Operating margin 39.3%
EPS (TTM) ₹0.7900
Net debt ₹222M FY2026

Figures from reported company fundamentals · as of Aug 17, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 42/100

Of which business quality 38 · Market factors (momentum, volatility) 39

Profitability 6
Margins and returns on capital today
Quality Growth 23
Are margins and returns improving?
Cashflow 50
Earnings quality: real cash, not paper profit
Fin. Strength 20
Balance sheet, leverage, solvency risk
Investment 71
Disciplined investing over empire-building
Low Volatility 40
Calm price path (market factor)
Momentum 36
Price trend over the last 3–12 months (market factor)
52W Momentum 41
Distance to the 52-week high (market factor)
Net Issuance 82
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

K Z Leasing and Finance Limited, a non-banking financial company, provides financial services in India. The company was incorporated in 1986 and is based in Ahmedabad, India.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

K Z Leasing and Finance Limited reported revenue of ₹4.3M in FY2026 versus ₹6.7M in FY2022, a compound −10.4%/yr. Reported net income was −₹2.1M in FY2026.

Growth Quality 19/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2026)
₹4.3M
Latest YoY
−38.3%
Avg. growth/yr (3Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
−14.3%
Avg. growth/yr (5Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
−7.8%
Avg. growth/yr (12Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
−7.6%
Revenue −10.4%/yr
FY22 ₹6.7M
FY23 ₹6.8M
FY24 ₹6.1M
FY25 ₹6.9M
FY26 ₹4.3M
Net income
FY22 ₹2.2M
FY23 ₹2.9M
FY24 ₹7.2M
FY25 −₹1.9M
FY26 −₹2.1M

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Cite: Fair Value Calculator (2026). "K Z Leasing and Finance Limited Fair Value". https://www.fairvalue-calculator.com/stock/511728

Peer Group

Other · 373 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Quality Score 38 · Bottom 25%
Fair Value upside +57% · Top 25%
Return on equity (TTM) 3% · Top 25%
Return on assets 2% · Top 25%
Net margin (TTM) 40% · Top 25%
Operating margin (TTM) 39% · Top 25%
Revenue growth 44% · Top 25%
Dividend yield (TTM) 0.0% · Bottom 25%
Debt / equity 1.15× · Higher than 75% of peers

Valuation Multiples vs Other median · lower = cheaper

P/E (TTM) 7.2× · Cheaper than 75% of peers
P/B 0.20× · Cheaper than 75% of peers
P/S (TTM) 3.67× · Pricier than 75% of peers

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 100 · sector 9
FUTURE 100 · sector 0
PAST 11 · sector 0
HEALTH 43 · sector 97
DIVIDEND 0 · sector 31

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Other stocks, each showing price versus our Fair Value estimate (as of Aug 17, 2026).

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533278 533278 ₹409.15 ₹660.78 +62%
Nestl?? India Limited 500790 ₹1,497 ₹191.93 -87%
ITC Limited 500875 ₹279.50 ₹212.74 -24%
Wipro Limited 507685 ₹183.80 ₹193.38 +5%
540376 540376 ₹4,054 ₹1,542 -62%
540777 540777 ₹537.50 ₹149.72 -72%
Lupin Limited 500257 ₹2,265 ₹1,983 -12%
Dabur India Limited 500096 ₹413.80 ₹122.93 -70%
540719 540719 ₹1,835 ₹872.41 -52%

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Frequently asked questions

Is K Z Leasing and Finance Limited (511728) overvalued or undervalued?
As of Aug 17, 2026, our model estimates a fair value of ₹33.95 versus a price of ₹21.70, about +56% (undervalued).
What is the fair value of 511728?
Our model-based fair value for K Z Leasing and Finance Limited is ₹33.95 (as of Aug 17, 2026), built from audited fundamentals. The current price is ₹21.70.
What is the quality score of 511728?
K Z Leasing and Finance Limited has a Quality Score of 42/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the revenue of K Z Leasing and Finance Limited (511728)?
K Z Leasing and Finance Limited reported trailing-twelve-month revenue of about ₹8.6M (latest available figure, as of Aug 17, 2026).
What is the net profit margin of 511728?
The net profit margin of K Z Leasing and Finance Limited is about 40.1%, meaning it keeps roughly 40.1% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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