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    Finance/Rental/Leasing
Kumbhat Financial Services Limited

Kumbhat Financial Services Limited

BBSE:KUMPFIN
17.44
INR
-0.84
(-4.60%)
1.53EPS
15.60P/E
126.64MMarket Cap
2013 Y
2014 Y
2015 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
0.98
0.88
0.91
1.06
0.98
0.97
0.95
0.36
0.12
0.58
0.71
4.28
13.32
14.36
Basic EPS, GAAP
0.11
0.07
0.06
-0.02
0.04
-1.29
0.46
-1.85
0.16
0.2
-3.77
2.86
1.55
1.53
Free Cash Flow per Basic Share
0.08
-0.26
- -
0.43
-0.31
-1.56
0.6
-9.01
2.03
5.87
-0.83
-25.14
-11.76
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
15.05
13.11
- -
12.87
11.64
10.35
10.8
8.96
9.12
9.32
5.55
9.94
11.49
- -
Tangible Book Value per Share
15.05
13.11
- -
12.87
11.64
10.35
10.8
8.96
9.12
9.32
5.55
9.94
11.49
- -
Basic Weighted Avg Shares
5
5
4
4
5
5
5
5
5
5
5
5
5
5
Sales/Revenue/Turnover
5
4
4
4
5
5
4
2
1
3
3
20
71
77
Operating Margin (%)
15.54
20.25
9.52
49.58
57.45
-125.46
46.59
-133.31
-357.02
8.27
31.63
97.31
11.65
12.48
Depreciation Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
1
- -
- -
- -
- -
-6
2
-9
1
1
-18
14
8
8
Effective Tax Rate (%)
25.39
60.57
30.93
294.08
90.4
- -
- -
- -
9.43
12.62
- -
16.76
- -
- -
Profit Margin (%)
11.25
7.99
6.58
-1.88
4.42
-133.3
48.39
-518.37
133.16
34.92
-529.3
66.83
11.63
10.62
Working Capital
6
2
- -
61
54
47
50
40
41
41
7
174
94
- -
LT Debt
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
141
55
- -
Total Equity
62
62
- -
61
55
49
51
43
43
44
26
53
61
- -
Return on Invested Capital (%)
0.84
0.55
- -
- -
0.36
- -
4.75
- -
-4.41
0.03
- -
13.3
- -
- -
Return on Capital (%)
0.84
0.55
- -
- -
0.35
- -
4.33
- -
1.77
2.2
- -
11.85
- -
- -
Return on Common Equity (%)
0.84
0.56
- -
- -
0.35
-11.75
4.33
-18.7
1.77
2.2
-50.76
34.26
14.46
- -

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
141
- -
LT Borrowings
- -
55
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
5
5
5
Market Capitalization
125
106
127

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
251
- -
Cash, Cash Equivalents & STI
- -
3
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
157
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
141
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
16.03%
15.59%
Free Cash Flow
- -
570.32%
-47.6%
Net Income, GAAP
-648.29%
-451.57%
-39.23%
Sales/Revenue/Turnover
103.93%
217.96%
249.19%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
1
- -
7
13
20
2026
14
17
19
21
71
2027
20
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
0.04
0.16
-0.79
3.45
2.86
2026
0.21
0.15
-0.97
2.15
1.55
2027
0.19
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Sanjay Kumbhat
Full Time Employees
3
Sector
Finance
Industry
Finance/Rental/Leasing
Address
Prakash Building Chennai TN India 600014
IPO Date
Feb 9, 1995
Website
kumbhatfinancialserviceslimited.com
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Business
Kumbhat Financial Services Limited (KUMPFIN.BO) is a non-banking financial company (NBFC) registered with the Reserve Bank of India as a non-deposit taking, non-systemically important entity, primarily engaged in providing financing for commercial and retail loans; leasing and hire purchase services; and other financial intermediation activities in India. Incorporated on February 18, 1993, and headquartered at Kumbhat Complex, 5th Floor, No. 29, Rattan Bazaar, George Town, Chennai, Tamil Nadu 600003, the company targets retail and commercial customers across India with a focus on loan financing, including proposals to expand into loans against gold jewelry and ornaments. It operates solely within the Indian market through its BSE-listed equity shares (ISIN: INE795E01019) and maintains a lean structure with approximately three employees, led by CEO Sanjay Kumbhat. In recent developments, the company increased its authorized share capital to Rs. 150 million in March 2021 via an extraordinary general meeting and further allotted 578,000 equity shares on a preferential basis in cash during fiscal year 2025 to raise funds, boosting paid-up capital to Rs. 53.3 million; it convened an extraordinary general meeting on March 17, 2025, to approve this preferential issue and held its 32nd annual general meeting on August 20, 2025, adopting FY2025 financials, reappointing directors including Sanjay Kumbhat and Sakthivel Murugan, appointing new statutory auditors Joseph and Rajaram (FRN 001375S) for five years from 2025 to 2030, and approving borrowings up to Rs. 25 crores beyond paid-up capital, private placement of secured redeemable non-convertible debentures, and charge creation. Additionally, in September 2024, Kumbhat Financial Services adopted a policy on unsecured loans, formed an unsecured loan committee, and designated officials to support expanded lending; the company reported strong FY2025 performance with net profit of Rs. 1.36 crore on revenue of Rs. 2.04 crores, ROE of 34%, and met its Rs. 5 crore net owned funds target. Promoter holding stands at 24.5% with no subsidiaries or parent relationships noted.