KFin Technolog. (KFINTECH)

FairStock Score: 50/100 — MIXED

Score breakdown: P/E: 0/3 · ROCE: 2/2 · Growth: 1/2 · Dividend: 0/1

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at KFin Technologies as a financial intermediary with a high-quality balance sheet: debt/equity of 0.03, ROE 24.69%, ROCE 32.75%, Piotroski 8/9, Altman Z 8.14. That tells me the business earns well and is unlikely to be in financial distress. A ₹16,250 Cr market cap and ₹940 price against book value ₹96.98 means I'm paying 9.69 times book and 47.62 times earnings. Graham would flinch: his Graham Number is ₹193.79, leaving a margin of safety of -393.69%, and DCF intrinsic value is only ₹74.33. That is not a bargain; it is a price that assumes much more than the recent numbers show. Growth has slowed: 5-year revenue CAGR was 19.38%, but latest sales growth is 8.17% and profit growth 4.78%. Latest quarter sales ₹371 Cr and net profit ₹92 Cr are decent, but FCF is ₹77 Cr, so I'd want to see how well profits convert to cash. The dividend yield is only 1.28%. On the positive side, EV/EBITDA 6.87 and PEG 1.22 are not screaming bubble, and the high ROCE suggests some moat, though the figures don't reveal its source. But the FairStock Score of 50/100 confirms mixed evidence. As a Buffett-style investor, I like the balance sheet and returns, but I demand a margin of safety. At ₹940, the stock is priced for a fast grower, while the latest growth is stalwart at best. I would watch for reacceleration in sales/profit, better FCF conversion, and any correction toward the Graham/DCF range before getting excited.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data from BSE/NSE filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer