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On 6 Nov 2026, Kumbhat Financial Services was priced at ₹16.00, or 10.5× trailing earnings, and the shares are 39% below their 52-week high. It earns ROE of 14%, and net profit grew 105% a year over 3 years. For banks and lenders, ROCE and debt-to-equity are not used; it trades at 1.40× book value. It is a small-cap company with a market cap of ₹8.52 Cr, ranked 177th of 193 Credit Services companies by market cap; the shares fell 23% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Jun 2026.How we calculate this

past year
Open
₹15.81
Day high
₹17.42
Day low
₹15.81
Prev. close
₹16.60
Volume
97

Health check

2 good · 1 fair · 2 to check
  • ReturnsBehind

    −22.8% over a year, better than 1 of 7 peers.

  • Price tagCheaper

    P/B 1.40 vs peer median 2.62.

  • GrowthStrong

    Profit +104.6% a year over 3 years.

  • ProfitabilityAverage

    ROE 14.5% vs peer median 18.7%.

  • Balance sheetn/a

    Asset quality (bad loans) isn’t in our data.

  • Red flags2 to check

    Quarterly profit down 11.2% on a year ago.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Credit Services

192 listed peers. Screen the industry

Small cap

₹8.52 Cr, #177 of 193 in its industry by size.

Market sensitivity

Measuring against the NIFTY 50…

Key metrics

Last 12 months to Jun 2026: sales ₹5 Cr · profit ₹1 Cr
Market cap
₹8.52 Cr
Small cap
P/E
10.5
Industry 15.5
Price to book
1.40
Peers 2.62
Dividend yield
0.00%
ROE
14.5%
Peers 18.7%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹1.52
OPM (TTM)
12.5%
Net margin 15.5%
Sales growth
n/m
Not meaningful for lenders
Profit growth
−11.2%
Latest quarter vs a year ago
Price to sales
1.62

Strengths and risks

Risks to check

  • Quarterly profit down 11.2% on a year ago.
  • 39% below its 52-week high.

No standout strengths in the headline numbers.

Derived automatically from reported figures. Not a recommendation.

About Kumbhat Financial Services

Kumbhat Financial Services Limited, a non-banking financial company, provides various financial services in India. The company engages in the business of financing of commercial and retail loans. Kumbhat Financial Services Limited was incorporated in 1993 and is based in Chennai, India.

Headquarters
Chennai
Sector
Financial Services
ISIN
INE795E01019
Website
kumbhatfinancialserviceslimited.com

Price range

52 weeks

₹15.41₹26.23

Today

₹15.81₹17.42
Avg volume (3M)
778
1-year return
minus 22.8%
From 52-week high
minus 39.0%

Peers · Credit Services

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
BAJFINANCEBajaj Finance1,087.75plus 1.66%6,77,00531.35.4919.0%3.8%18.2%0.50%plus 1.2%
SHRIRAMFINShriram Finance961.15minus 0.30%2,26,16716.02.0314.8%3.9%18.6%1.80%plus 21.0%
CHOLAFINCholamandalam Investment and Finance Company1,785.00plus 1.42%1,53,10324.54.4120.6%2.6%25.2%0.11%plus 0.8%
TATACAPTata Capital358.05plus 2.93%1,50,97925.43.1014.1%2.2%–0.16%plus 5.6%
MUTHOOTFINMuthoot Finance2,869.00plus 1.06%1,15,1819.42.6231.6%6.3%43.1%1.05%minus 11.0%
PFCPower Finance Corporation328.80minus 0.18%1,08,5074.10.7418.7%2.7%17.7%4.99%minus 16.9%
IRFCIndian Railway Finance Corporation80.43plus 0.37%1,05,11014.31.7312.6%1.4%4.4%2.74%minus 34.4%
KUMPFINKumbhat Financial Services16.00minus 3.61%910.51.4014.5%–104.6%0.00%minus 22.8%
Median of 7 peers–1.06%1,50,97916.02.6218.7%2.7%18.4%1.05%0.8%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrJun 25Sep 25Dec 25Mar 26Jun 26
1.41.71.92.12
1.21.41.71.91.8
0.20.30.30.20.2
12.6%16.1%13.6%11.7%9.4%
00000
00000
−0.1−0.2−0.80.7−0.1
0.10.1−0.510.1
5.4%––−16.6%0.1%
0.10.1−0.51.10.1
0.210.15-0.972.150.19

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
+104.6%
EPS CAGR 3Y
+97.9%
ROE
14.5%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
0.30.327.1
–+22.8%+500.3%+249.2%
0.30.206.3
00.120.8
9.0%33.0%97.5%11.7%
0.100−0
0000
0−1.8−0.4−0.2
0.1−1.71.60.7
12.6%−4.2%16.8%−23.5%
0.1−1.81.40.8
–minus 1961.1%–minus 39.2%
0.20-3.772.861.55

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
4.84.85.35.3
−0.3−2.1−00.8
––1519.6
0.10.11.51.6
4.52.721.827.3
0000
0.30–0
0.50.640.3
3.72.117.727.1
4.52.721.827.3

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
2.8−0.4−12−6.3
−00.30.1−0
−2.6–15.62.6
0.2−0.13.7−3.7
−0––−0
2.8−0.4−12−6.3

Shareholding pattern

This company is listed only on BSE, so there’s no NSE category split. See Major shareholders below for the named holders.

Major shareholders

BSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you