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Kumbhat Financial Services Ltd

Kumbhat Financial Services Ltd

KUMPFIN.BO
Kumbhat Financial Services LtdIN flagBombay Stock Exchange
23.80
INR
- -
- -
126.81MMarket Cap
Kumbhat Financial Services Ltd
KUMPFIN.BO
(Bombay Stock Exchange)

Recent

price

23.80

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
0.61
0.61
0.73
0.98
0.88
0.91
1.06
0.98
0.97
0.95
0.36
0.12
0.58
0.71
4.28
- -
13.26
Revenue per Share
0.16
0.18
0.18
0.11
0.07
0.06
-0.02
0.04
-1.29
0.46
-1.85
0.16
0.2
-3.77
2.86
- -
1.54
Basic EPS, GAAP
0.11
0.06
-0.29
0.08
-0.26
- -
0.43
-0.31
-1.56
0.6
-9.01
2.03
5.87
-0.83
-25.17
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
11.32
11.41
9.99
10.61
9.82
- -
12.92
8.63
7.33
7.7
5.82
5.95
6.11
2.34
5.84
- -
9.95
Book Value per Share
12.56
12.74
12.29
13.08
12.63
- -
16.78
11.64
10.33
10.84
8.96
9.12
9.32
5.55
11.15
- -
11.44
Tangible Book Value per Share
5
5
5
5
5
4
4
5
5
5
5
5
5
5
5
- -
5
Basic Weighted Avg Shares
3
3
4
5
4
4
4
5
5
4
2
1
3
3
20
71
71
Sales/Revenue/Turnover
28.97
39.54
34.44
15.54
20.25
9.52
49.58
57.45
-125.46
46.59
-133.31
-357.02
8.27
31.63
-0.31
13.36
13.36
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
1
1
- -
- -
- -
- -
-6
2
-9
1
1
-18
14
8
8
Net Income, GAAP
11.95
24.51
28.59
25.39
60.57
30.93
294.08
90.4
- -
- -
- -
9.43
12.62
- -
16.76
- -
5.4
Effective Tax Rate (%)
25.51
29.44
24.59
11.25
7.99
6.58
-1.88
4.42
-133.3
48.39
-518.37
133.16
34.92
-529.3
66.82
11.63
11.63
Profit Margin (%)
57
3
3
6
2
- -
61
54
47
50
40
41
41
7
174
256
256
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
141
196
196
LT Debt
60
60
61
62
62
- -
61
55
49
51
43
43
44
26
53
61
61
Total Equity
1.24
1.43
1.47
0.86
0.55
0.85
-12.74
0.46
- -
4.54
- -
-4.29
0.45
- -
-0.05
- -
- -
Return on Invested Capital (%)
1.38
1.57
1.71
1.03
0.69
1.1
-0.31
0.46
- -
6.11
- -
2.71
3.36
- -
14.39
- -
71.91
Return on Capital (%)
1.38
1.57
1.73
1.04
0.7
1.11
-0.31
0.47
-16.18
6.11
-27.39
2.71
3.36
-89.3
69.91
20.37
20.37
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
150
- -
196
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
5
- -
5
Market Capitalization
119
122
107

Working Capital

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
Total Current Assets
222
- -
267
Cash, Cash Equivalents & STI
2
- -
1
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
9
- -
12
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
16.03%
15.59%
Free Cash Flow
- -
570.3%
-47.69%
Net Income, GAAP
-648.29%
-451.57%
-39.23%
Sales/Revenue/Turnover
103.93%
217.97%
249.14%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1
1
1
1
3
2025
1
- -
7
13
20
2026
14
17
19
21
71

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.05
0.21
0.15
- -
-3.77
2025
0.04
0.16
-0.79
3.45
2.86
2026
0.21
0.15
-0.97
2.15
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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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.