Kumbhat Financial Services Limited (KUMPFIN) Fair Value & Analysis
Financial Services · IN · Market cap ₹127M
Fair value as of: Jul 5, 2026
From 14 valuation models · updated today
Share price +13.5% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹17.50 – ₹26.48 · fair‑value band ₹23.24 – ₹38.73 · the ₹23.80 price screens below the ₹30.99 fair value. As of Jul 5, 2026.
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Kumbhat Financial Services Limited (KUMPFIN) currently trades at ₹23.80, while our model-based Fair Value estimate is ₹30.99 — implying the stock looks roughly 30.2% undervalued today. We read business quality at 49/100 (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 Limited 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 Jul 5, 2026
Our scenario range runs from ₹23.24 (bear case) to ₹38.73 (bull case); at ₹23.80, the current price sits within that range. The share trades about 12% below its 52-week high and 43% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -20% fair-value upside — at 30%, KUMPFIN screens cheaper 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
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.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Kumbhat Financial Services Limited 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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Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 5, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc 3V64 | €287.50 | €226.82 | -21% |
| Mastercard Incorporated MA | C$29.95 | C$17.76 | -41% |
| M4I M4I | €430.50 | €368.29 | -14% |
| American Express Company AXP | C$28.87 | C$24.27 | -16% |
| Capital One Financial Corporation COF | $200.70 | $125.08 | -38% |
| Bajaj Finance Limited BAJFINANCE | ₹884.10 | ₹604.72 | -32% |
| PayPal Holdings PYPL | 720.50 MXN | 1,155 MXN | +60% |
| Synchrony Financial, S1YF34 | R$412.88 | R$211.20 | -49% |
| Shriram Finance Limited SHRIRAMFIN | ₹923.30 | ₹735.80 | -20% |
| Power Finance Corporation PFC | ₹431.30 | ₹616.44 | +43% |
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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.