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Karnavati Finance Ltd.

Karnavati Finance Ltd.

BBSE:KARNAVATI
1.32
INR
0.00
(0.00%)
0.07EPS
21.08P/E
152.76MMarket Cap
Karnavati Finance Ltd.
BSE:KARNAVATI
(Bombay Stock Exchange)

Recent

price

1.32

P/E

ratio

21.08

div

yld

- -

ROIC.AI

2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
INR
0.1
0.06
0.05
0.11
0.24
0.32
0.28
0.1
0.19
2.83
3.03
0.16
0.53
0.72
Revenue per Share
0.01
-0.04
0.04
0.09
0.07
0.07
0.01
0.01
0.03
0.56
-1.66
-0.17
-0.59
0.07
Basic EPS, GAAP
0.05
-0.56
-0.01
0.04
-1.97
0.01
0.48
0.57
0.42
-9.4
-2.78
0.55
-4.46
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
0.37
0.87
0.92
1.01
1.17
1.24
1.25
1.26
1.29
1.35
1.18
1.02
0.43
- -
Book Value per Share
0.37
0.87
0.92
1.01
1.17
1.24
1.25
1.26
1.29
1.35
1.18
1.02
0.43
- -
Tangible Book Value per Share
38
84
84
84
84
100
101
101
101
10
10
101
101
102
Basic Weighted Avg Shares
4
5
4
9
20
32
28
10
19
28
30
16
53
73
Sales/Revenue/Turnover
24.38
-73.13
98.83
103.47
77.51
35.71
57.92
0.82
64.99
26.5
-51.28
-105.22
-108.12
11.96
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
-4
4
8
6
7
1
1
3
6
-17
-17
-59
7
Net Income, GAAP
50.99
- -
15.72
21.99
25.26
26.81
23.01
39.7
25.15
24.96
- -
- -
- -
17.47
Effective Tax Rate (%)
11.95
-78.85
82.89
79.66
30.76
22.29
3.89
12.01
15.66
19.71
-54.85
-106.89
-111.17
10.04
Profit Margin (%)
30
75
76
83
265
288
239
182
143
264
278
215
647
- -
Working Capital
- -
3
- -
- -
145
160
113
54
12
127
155
111
599
- -
LT Debt
31
73
77
84
118
125
126
127
130
136
119
102
43
- -
Total Equity
- -
- -
4.82
9.35
6.66
2.63
0.42
0.58
-0.59
2.79
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
4.82
9.47
6.51
2.64
0.41
0.59
1.89
2.77
- -
- -
- -
- -
Return on Capital (%)
- -
-7.2
4.91
9.36
6.15
5.96
0.86
0.98
2.36
4.22
-13.09
-15.19
-81.09
- -
Return on Common Equity (%)

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
599
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
101
101
101
Market Capitalization
164
112
153

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
650
- -
Cash, Cash Equivalents & STI
- -
1
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
3
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-2.02%
-15.48%
-57.7%
Free Cash Flow
-124.33%
-326.51%
-918.28%
Net Income, GAAP
11.83%
17.02%
251.11%
Sales/Revenue/Turnover
54.08%
66.29%
237.59%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
6
3
4
3
16
2026
2
6
23
26
53
2027
19
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
0.01
-0.09
-0.01
-0.09
-0.17
2026
-0.04
-0.04
0.07
-0.58
-0.59
2027
0.62
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
2027
- -
- -
- -
- -
- -
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Business
Karnavati Finance Limited is an India-based non-deposit accepting non-banking finance company (NBFC) that provides a range of lending, financing, and wealth management solutions to diversified customers including individuals, traders, self-employed persons, Micro, Small and Medium Enterprises (MSMEs), and businesses across the country. The company offers personal loans to salaried individuals, business loans, auto loans, education loans, mortgage loans, loans against property, gold loans, secured and unsecured term loans; digital lending, microfinance for businessmen and entrepreneurs, corporate finance, project loans, structured finance, capital market-based lending, debt capital markets, syndication, and wealth management services; as well as money changing services. Incorporated in 1984 as Karnavati Finance and Leasing Limited and renamed Karnavati Finance Limited in December 1989, it maintains its headquarters in Jamnagar, Gujarat, with operations focused on India and a workforce of 17 employees. Recent developments include the disclosure of substantial acquisitions related to Beeline Consultancy Services Pvt Ltd and Beeline Capital Advisors Pvt Ltd in early 2025 under SEBI regulations, alongside a stake sale where an undisclosed buyer acquired a 6.73% stake from Beeline Broking Ltd in February 2025.