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KIFS (KIFS) Fair Value & Analysis

Financials · IN · Market cap ₹1.2B

K KIFS KIFS · BSE
Price₹115.00
Fair Value₹95.97
Upside-16.5%
Quality39/100
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Evidence: High Range ₹71.97 – ₹119.96

Fair value as of: Jul 5, 2026

From 15 valuation models · updated today

Share price −2.6% over the past month.

Price vs Fair Value (12 months)

₹177.70 ₹107.55 Fair Value ₹95.97 Jul 2025 Jul 2026

12‑month range ₹107.55 – ₹177.70 · fair‑value band ₹71.97 – ₹119.96 · the ₹115.00 price screens above the ₹95.97 fair value. As of Jul 5, 2026.

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Analysis

KIFS (KIFS) currently trades at ₹115.00, while our model-based Fair Value estimate is ₹95.97 — implying the stock looks roughly 16.5% overvalued today. We read business quality at 39/100 (below-average quality), in the Financials 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: high).

Over the trailing twelve months, KIFS generated revenue of ₹121M at a net margin of 66.1%. Revenue declined 30.5% year over year. It earns a return on equity of 13.3%. Net debt stands at ₹3.8B. Fundamentals as of Jul 5, 2026

Our scenario range runs from ₹71.97 (bear case) to ₹119.96 (bull case); at ₹115.00, the current price sits within that range. The share trades about 40% below its 52-week high and 13% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financials peers we cover trades at 100% fair-value upside — at -17%, KIFS screens richer than that median.

Key figures & financial health

Revenue (TTM) ₹121M
Revenue growth (YoY) -30.5%
Net margin 66.1%
Return on equity 13.3%
Free cash flow −₹1.6B FY2025
P/E ratio 15.6
More key figures
Operating margin 79.3%
EPS (TTM) ₹7.38
Dividend yield 1.3%
EPS growth (YoY) -40.5%
Net debt ₹3.8B FY2025

Figures from reported company fundamentals (EODHD) · as of Jul 5, 2026. TTM = trailing twelve months.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

KIFS reported revenue of ₹360M in FY2025 versus ₹327M in FY2021, a compound +2.4%/yr. Reported net income was ₹79.9M in FY2025, compounding +6.9%/yr from FY2021.

Revenue +2.4%/yr
FY21 ₹327M
FY22 ₹307M
FY23 ₹466M
FY24 ₹291M
FY25 ₹360M
Net income +6.9%/yr
FY21 ₹61.3M
FY22 ₹64.0M
FY23 ₹71.2M
FY24 ₹80.7M
FY25 ₹79.9M

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Frequently asked questions

Is KIFS (KIFS) undervalued?
As of Jul 5, 2026, our model estimates a fair value of ₹95.97 versus a price of ₹115.00 — about −17% (overvalued). Model-based estimate, not financial advice.
What is the fair value of KIFS?
Our model-based fair value for KIFS is ₹95.97 (as of Jul 5, 2026), built from audited fundamentals. The current price is ₹115.00.
What is the quality score of KIFS?
KIFS has a Quality Score of 39/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of KIFS (KIFS)?
KIFS reported trailing-twelve-month revenue of about ₹121M (latest available figure, as of Jul 5, 2026).
What is the net profit margin of KIFS?
The net profit margin of KIFS is about 66.1%, meaning it keeps roughly 66.1% of revenue as net income. Based on the latest reported figures.
Does KIFS pay a dividend?
KIFS currently shows a dividend yield of about 1.28% relative to its recent price (as of Jul 5, 2026).

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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.