Karnavati Finance Limited (KARNAVATI) Fair Value & Analysis
Financial Services · IN · Market cap ₹140M
Fair value as of: Jul 5, 2026
From 1 valuation models · updated today
Share price +8.6% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹1.11 – ₹2.08 · fair‑value band ₹0.2600 – ₹0.4900 · the ₹1.39 price screens above the ₹0.4000 fair value. As of Jul 5, 2026.
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Karnavati Finance Limited (KARNAVATI) currently trades at ₹1.39, while our model-based Fair Value estimate is ₹0.4000 — implying the stock looks roughly 71.2% overvalued today. We read business quality at 38/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: low).
It earns a return on equity of -81.1%. Net debt stands at ₹598M. Fundamentals as of Jul 5, 2026
Our scenario range runs from ₹0.2600 (bear case) to ₹0.4900 (bull case); at ₹1.39, the current price sits above that range. The share trades about 38% below its 52-week high and 29% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -16% fair-value upside — at -71%, KARNAVATI screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 5, 2026. TTM = trailing twelve months.
About the company
Karnavati Finance Limited, a non-banking finance company, engages in the provision of various financial services in India. The company offers personal, business, gold, project, and vehicle, as well as loans against property to individual and non-individual customers; and money changing services. It also provides digital and capital market-based lending; micro, structured, and corporate finance services; mortgage and wealth management services; and debt capital markets and syndication services. The company was formerly known as Karnavati Finance And Leasing Limited and changed its name to Karnavati Finance Limited in December 1989. Karnavati Finance Limited was incorporated in 1984 and is based in Jamnagar, India.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Karnavati Finance Limited reported revenue of ₹53.1M in FY2026 versus ₹19.4M in FY2022, a compound +28.7%/yr. Reported net income was −₹59.0M in FY2026.
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| PayPal Holdings PYPL | 720.50 MXN | 1,155 MXN | +60% |
| Synchrony Financial, S1YF34 | R$357.68 | R$715.36 | +100% |
| Shriram Finance Limited SHRIRAMFIN | ₹923.30 | ₹735.80 | -20% |
| Power Finance Corporation PFC | ₹431.30 | ₹616.44 | +43% |
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Frequently asked questions
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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.
Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.