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BSE: 507912 | NSE: LKPMERFIN | Finance - Investment | Small Cap
Past 10 year’s financial track record analysis by Moneyworks4me indicates that LKP Finance Ltd is a below average quality company.
The key valuation ratios of LKP Finance Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of LKP Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 83.5 | 45.4 | 41.7 | 76.3 | 14.5 | 19.4 | 95.6 | 55.5 | 25 | 82.6 | 83 | |
| YoY Gr. Rt. % | - | -45.6% | -8.1% | 82.9% | -81% | 33.8% | 394% | -41.9% | -55% | 230.4% | - | |
| Adj EPS (₹ ) | 14.5 | 7.3 | 8.3 | 15.9 | 15.8 | -18.1 | 48.3 | 26.1 | 9.7 | 43.8 | 43.8 | |
| YoY Gr. Rt. % | - | -50% | 13.6% | 92.1% | -0.6% | -214.5% | NA | -46% | -62.8% | 351.6% | - | |
| BVPS (₹ ) | 129.6 | 128.5 | 101.7 | 117.2 | 136.5 | 116.4 | 203.1 | 228.9 | 233.4 | 277.9 | 277.9 | |
| YoY Gr. Rt. % | - | -0.9% | -20.8% | 15.2% | 16.5% | -14.7% | 74.5% | 12.7% | 2% | 19.1% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 6.7 | 3.2 | 4 | 8.9 | 9.8 | -11.8 | 24.3 | 9.4 | 3.2 | 13.7 | 0 | |
CAGR Colour Code Guide ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -0.1% | 41.7% | -4.8% | 230.4% | ||||||||
| Adj EPS | 13% | 22.7% | -3.2% | 351.6% | ||||||||
| BVPS | 8.8% | 15.3% | 11% | 19.1% | ||||||||
| Share Price | 8.2% | 5.2% | 16.1% | 67.3% | ||||||||
| RATIOS \ YEARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Margins | ||||||||||||
| Net Profit Margin (%) | 21.3 | 19.6 | 24.1 | 25.8 | 137 | -117.2 | 63.5 | 59.1 | 48.7 | 66.7 | 66.7 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 11.2 | 5.6 | 7.2 | 14.6 | 12.5 | -14.3 | 30.3 | 12.1 | 4.2 | 17.1 | 15.7 | |
Return on Equity has increased versus last 3 years average to 15.80%
Total income growth is good in last 4 quarters
Total Income has declined 28.94 CAGR in last 3 years
Net Profit has declined -3.22 CAGR in last 3 years
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 43.8 | 47.3 |
| TTM Sales (₹ Cr.) | 82.6 | 89.9 |
| BVPS (₹.) ⓘ | 277.9 | 284.1 |
| Reserves (₹ Cr.) ⓘ | 337 | 344 |
| P/BV ⓘ | 0.48 | 0.46 |
| PE ⓘ | 3.01 | 2.79 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 71.40 / 269.00 |
| All Time Low / High (₹) | 1.00 / 550.00 |
| Market Cap (₹ Cr.) | 166 |
| Equity (₹ Cr.) | 12.6 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 46.6 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income | 84 | 47 | 44 | 79 | 45 | 19 | 97 | 62 | 25 | 84 |
| Interest Income | 83 | 45 | 42 | 76 | 14 | 19 | 96 | 56 | 25 | 83 |
| Other Income ⓘ | 0 | 2 | 2 | 3 | 30 | 0 | 1 | 7 | 0 | 1 |
| Expenditure ⓘ | 61 | 35 | 32 | 58 | 18 | 42 | 27 | 25 | 11 | 16 |
| Interest Expense ⓘ | 17 | 17 | 14 | 5 | 2 | 2 | 3 | 3 | 3 | 3 |
| Operating Expenses ⓘ | 8 | 7 | 13 | 9 | 4 | 7 | 15 | 11 | 5 | 7 |
| Provisions | 36 | 11 | 5 | 44 | 12 | 33 | 10 | 12 | 4 | 5 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 22 | 12 | 12 | 21 | 26 | -23 | 70 | 37 | 14 | 68 |
| Taxes ⓘ | 5 | 3 | 2 | 1 | 6 | 0 | 9 | 4 | 1 | 13 |
| Profit After Tax | 18 | 9 | 10 | 20 | 20 | -23 | 61 | 33 | 12 | 55 |
| Adjusted EPS (₹) | 14.5 | 7.3 | 8.3 | 15.9 | 15.8 | -18.1 | 48.3 | 26.1 | 9.7 | 43.8 |
| Dividend Payout Ratio (%) | 83% | 96% | 24% | 13% | 19% | -11% | 4% | 11% | 10% | 7% |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital | 158 | 157 | 124 | 146 | 172 | 146 | 255 | 288 | 293 | 349 |
| Share Capital ⓘ | 12 | 12 | 12 | 12 | 13 | 13 | 13 | 13 | 13 | 13 |
| Reserves ⓘ | 146 | 145 | 112 | 133 | 159 | 134 | 243 | 275 | 281 | 337 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long Term Borrowings | 0 | 0 | 0 | 0 | -7 | -7 | 8 | 5 | 4 | 10 |
| Current Liabilities | 124 | 108 | 114 | 58 | 38 | 42 | 55 | 90 | 89 | 59 |
| Trade Payables | 4 | 3 | 6 | 0 | 1 | 2 | 0 | 0 | 1 | 0 |
| Short term borrowings | 106 | 67 | 95 | 56 | 36 | 36 | 46 | 82 | 87 | 55 |
| Other Liabilities | -110 | -70 | -101 | -56 | -37 | -38 | -46 | -82 | -88 | -55 |
| Total Liabilities ⓘ | 283 | 265 | 238 | 203 | 203 | 181 | 318 | 383 | 387 | 419 |
Assets | ||||||||||
| Non Current Asset | 71 | 79 | 91 | 74 | 43 | 42 | 95 | 100 | 120 | 123 |
| Loan Asset | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non Current Asset ⓘ | 71 | 79 | 91 | 74 | 43 | 42 | 95 | 100 | 120 | 123 |
| Current Asset | 211 | 186 | 146 | 129 | 160 | 139 | 223 | 282 | 267 | 296 |
| Current Investment | 0 | 0 | 0 | 0 | 85 | 55 | 139 | 116 | 123 | 207 |
| Other Current Asset | 211 | 186 | 146 | 129 | 75 | 84 | 85 | 167 | 143 | 89 |
| Total Assets ⓘ | 283 | 265 | 238 | 203 | 203 | 181 | 318 | 383 | 387 | 419 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios |
||||||||||
| EPS (₹) | 15 | 7 | 8 | 16 | 16 | -18 | 48 | 26 | 10 | 44 |
| DPS (₹) | 12 | 7 | 2 | 2 | 3 | 2 | 2 | 3 | 1 | 3 |
| BVPS (₹) | 130 | 128 | 102 | 117 | 137 | 116 | 203 | 229 | 233 | 278 |
Performance Ratios | ||||||||||
| ROA (%) | 6.7 | 3.2 | 4.0 | 8.9 | 9.8 | -11.8 | 24.3 | 9.4 | 3.2 | 13.7 |
| ROE (%) | 11.2 | 5.6 | 7.2 | 14.6 | 12.5 | -14.3 | 30.3 | 12.1 | 4.2 | 17.1 |
| ROCE (%) | 15.8 | 11.7 | 12.0 | 12.4 | 14.0 | -10.5 | 29.9 | 12.0 | 4.4 | 18.1 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 0.7 | 0.6 | 0.7 | 1.2 | 0.9 | 0.5 | 0.4 | 0.4 | 0.3 | 0.6 |
LKP Financing originally incorporated as Elkaypee Merchant Financing was promoted by L K Panday and Mahendra V Doshi in 1984 and the certificate of change of name to LKP Merchant Financing was obtained on February 13,1986.
The company’s two wholly-owned subsidiaries LKP Forex and LKP Securities performed commendably during the year. The complete money changing business of the company has been transferred to LKP Forex - the wholly-owned subsidiary company.
Achievements
LKP Forex, a division of the company has entered into a strategic tie-up with the Joint frequent flyer program of Air India and Indian Airlines. LKP Financing Board takes on record MOU and exclusivity agreement entered with Travelex plc.
Business area of company
The company is in the field of financial Services such as issue management, bill discounting, leasing and hire-purchase, full fledged money changing and has also started providing travel related Insurance Policy to bound passengers, etc.
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MoneyWorks4Me rates and ranks mutual funds based on the following data-driven system:
Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
With the same color-coded funds, the one with the higher Average 3-year rolling returns (over 5 to 10 years), the number that appears in the Performance tag, ranks higher.
Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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