AnnualReportAI — Business Intelligence
Financial & Valuation Intelligence™

Kfin Technologies Limited

NSE
KFINTECH
Sector: Financial Services· Depositories, Clearing Houses and Other Intermediaries
Current Price
₹799.6
Market Cap
₹16.51K Cr
AI Financial Summary

Kfin Technologies Limited demonstrates strong business quality, growth, profitability, and capital allocation, as reflected by its high scores in these areas. The company exhibits robust revenue and PAT growth, alongside healthy profitability margins and efficient capital deployment. While financial health is solid with low debt, the current ratio indicates some short-term liquidity considerations. Valuation metrics suggest the stock is priced above its intrinsic value, with recent free cash flow showing a significant decline.

Business Performance (CAGR)

10 Years
Revenue
34.6%
PAT
83.6%
EPS
82.4%
Book Value
17.5%
Free Cash Flow
43.1%

Valuation Snapshot

P/E44
P/B9
EV/EBITDA30.9
P/S12.7
Div Yield1.25%

Financial Health

Debt to Equity0.03
Interest Coverage93.6x
Current Ratio0.46
Cash & Investments₹452 Cr

Profitability Metrics

ROE
20.5%
ROCE
27.4%
ROA
12.4%
EBITDA Mgn
40.7%
Op Margin
36.3%
Net Margin
26.4%

Cash Flow Intelligence

Operating Cash Flow₹370 Cr
Free Cash Flow₹-723 Cr
Cash Conversion107.5%
FCF Margin-55.6%

Intrinsic Value

Premium
Estimated Intrinsic Value
████████
Current Price₹799.6
Margin of Safety██.██%
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Estimated Intrinsic Value & DCF Fair Value are available with Premium plans.

AI Business Verdict

Kfin Technologies Limited demonstrates strong operational performance, rapid growth, and robust profitability, underpinned by a very healthy balance sheet with minimal debt. While its high valuation metrics and a recent sharp decline in Free Cash Flow warrant careful consideration, the company's intrinsic value analysis suggests a modest margin of safety. The firm's high scores across key performance areas indicate a business well-positioned for long-term value creation, provided the negative FCF is a temporary event related to growth-oriented expenditures.

  • Exceptional growth in revenue and PAT over the analyzed period.
  • Robust profitability with strong operating and net profit margins.
  • High scores in business quality, growth, profitability, and capital allocation.
  • Very low debt and excellent interest coverage, ensuring financial stability.

Balance Sheet

AI-Powered Analysis
Balance Sheet Strength™
73/100
Good

Kfin Technologies Limited maintains a balanced sheet with adequate liquidity and manageable leverage.

AI Confidence
92%
Stability
69
Flexibility
77
Strength Factors
Liquidity42
Leverage96
Working Capital68
Asset Quality70
Shareholder Strength91
Financial Stability69
Financial Flexibility™
77/100
Strong

Capacity to fund growth, withstand downturns and return capital.

Total Assets
₹2.77K Cr
▲ 19.0% YoY
Total Liabilities
₹1.10K Cr
▲ 19.2% YoY
Shareholder Equity
₹1.67K Cr
▲ 18.8% YoY
Net Cash Position
+₹396 Cr
Excellent
Debt / Equity
0.03x
Very Low
Enterprise Value
₹16.12K Cr
Capital Structure
Assets
₹2.77K Cr
Equity
₹1.67K Cr (60.4%)
Liabilities
₹1.10K Cr (39.6%)
Debt Intelligence™
Debt vs Cash Trend
Debt / Equity0.03x
Interest Coverage93.6x
Debt / EBITDA0.16x
Net Debt₹-396 Cr
Debt Trend (5Y)-33.8%
Debt MaturityWell Staggered
Liquidity Intelligence™
Current Ratio0.46
Quick Ratio0.46
Cash Ratio0.19
Working Capital₹-560 Cr
Operating Cash CoverageStrong
Short-term LiquidityWeak
Working Capital Intelligence™
CCC Trend
Receivable Days76
Inventory DaysNot Available
Payable DaysNot Available
Cash Conversion Cycle76 days
Asset Quality (% of Total Assets)
Cash & Investments7.7%
Property, Plant & Equip.64.0%
ReceivablesNot Available
InventoryNot Available
GoodwillNot Available
Intangible AssetsNot Available
Other Assets33.6%
Shareholder Strength™
Strength Radar
Book Value CAGR (5Y)17.5%
Net Worth CAGR (5Y)18.2%
Retained EarningsExcellent
Equity Dilution0.00%
Buyback EfficiencyStrong
Dividend Sustain.Strong
Balance Sheet Evolution
Annual
Balance Sheet Risk Monitor
Debt RiskLow
Liquidity RiskHigh
Working Capital RiskModerate
Refinancing RiskLow
Asset Quality RiskModerate
Dilution RiskLow
Contingent LiabilityLow
Overall Balance Sheet RiskModerate
Balance Sheet Stress Test™
Economic Slowdown72
Acquisition Capacity83
High Interest Rates96
Dividend Sustainability84
Revenue Decline59
Cash Flow Resilience74
Expansion Capacity82
Overall Resilience Score
79/100
Strong Resilience
AI Balance Sheet Commentary
Overall Assessment
  • Kfin Technologies Limited maintains a balanced sheet with adequate liquidity and manageable leverage.
What Stands Out
  • Net cash position — debt fully covered by cash & investments
  • Large cash & investment reserves
  • Very low leverage with net cash balance
  • Strong shareholder equity growth
  • High interest coverage
Areas To Monitor
  • Tight short-term liquidity cushion
Financial data based on consolidated numbers and TTM · Source: Company Filings, Annual Report AI Analysis · Data as of: 31/03/2026