KUMBHAT FINANCIAL SERVICES LTD. (KUMPFIN) Fair Value & Analysis
Financial Services · IN · Market cap ₹127M
Fair value as of: Aug 13, 2026
From 6 valuation models · updated 6 days ago
Fair value updated Aug 13, 2026, revised from ₹30.99 to ₹20.14 (−35.0%) since Aug 12, 2026.
Below-average quality, screening 11% undervalued on our models.
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- Our model range runs from ₹15.11 (bear) to ₹25.18 (bull), base ₹20.14. The closer the price sits to the lower half, the larger the margin of safety.
- Quality 45/100 (below-average quality) with medium evidence: read the verdict with care.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range ₹2.35 – ₹27.00 · fair‑value band ₹15.11 – ₹25.18 · the ₹18.10 price screens below the ₹20.14 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
KUMBHAT FINANCIAL SERVICES LTD. (KUMPFIN) currently trades at ₹18.10, while our model-based Fair Value estimate is ₹20.14, implying the stock looks roughly 11.3% undervalued today. The Quality Score stands at 45/100 (below-average quality), in the Financial Services 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: medium), always confirm before acting.
Over the trailing twelve months, KUMBHAT FINANCIAL SERVICES LTD. generated revenue of ₹48.7M at a net margin of 17.0%. Revenue declined 18.0% year over year. It earns a return on equity of 14.5%. Net debt stands at ₹195M. Fundamentals as of Aug 13, 2026
Our scenario range runs from ₹15.11 (bear case) to ₹25.18 (bull case); at ₹18.10, the current price sits within 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 8% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -45% fair-value upside, at 11%, KUMPFIN 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.
All 6 models by family
Widest divergence: Earnings-Based (₹54.23) versus Asset-Based (₹7.70). Highest evidence: P/E Multiple (63).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 39 · Market factors (momentum, volatility) 34
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
Kumbhat Financial Services Limited, a non-banking financial company, provides various financial services in India. It engages in the business of financing of commercial loans and other financial intermediation. The company was incorporated in 1993 and is based in Chennai, India.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
KUMBHAT FINANCIAL SERVICES LTD. reported revenue of ₹71.0M in FY2026 versus ₹570K in FY2022, a compound +234.1%/yr. Reported net income was ₹8.3M in FY2026, compounding +81.6%/yr from FY2022.
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Peer Group
Credit Services · 336 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.
Valuation Multiples vs Credit Services median · lower = cheaper
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.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $359.42 | $198.27 | -45% |
| Mastercard Incorporated MA | $561.44 | $221.87 | -60% |
| Bajaj Finance Limited BAJFINANCE | ₹1,093 | ₹397.70 | -64% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,117 | ₹553.83 | -50% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,866 | ₹796.47 | -57% |
| Tata Capital Limited TATACAP | ₹367.05 | ₹149.40 | -59% |
| Power Finance Corporation PFC | ₹376.50 | ₹615.85 | +64% |
| Muthoot Finance Limited MUTHOOTFIN | ₹2,876 | ₹3,429 | +19% |
| Indian Railway Finance Corporation IRFC | ₹88.35 | ₹69.72 | -21% |
| REC Limited RECLTD | ₹346.00 | ₹692.00 | +100% |
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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.
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