Karnavati Finance Ltd - Stock Valuation and Financial Performance

BSE: 538928 | NSE: | Finance - Investment | Small Cap

Karnavati Finance Share Price

1.98 0.03 1.54%
as on 27-Feb'25 16:59

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Karnavati Finance stock performance -
1.98 0.000.00% past year

Price Chart, Live Stock Chart, Technical Chart of
P/E Ratio (SA):
0.00
Market Cap:
19.6 Cr.
52-wk low:
1.8
52-wk high:
4.1

Is Karnavati Finance Ltd an attractive stock to invest in?

1. Is Karnavati Finance Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Karnavati Finance Ltd is a below average quality company.

2. Is Karnavati Finance Ltd undervalued or overvalued?

The key valuation ratios of Karnavati Finance Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.

3. Is Karnavati Finance Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Karnavati Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of Karnavati Finance:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Karnavati Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)
0.50.4123.22.81.22.42.932
YoY Gr. Rt. %--8.3%115.9%112.6%60.4%-14.8%-55.8%96.7%18.8%6.7%-
Adj EPS (₹ ) -000.10.10.10000.1-0.2-0.1
YoY Gr. Rt. %-NA125%-33.3%16.7%-85.7%0%200%100%-383.3%-
BVPS (₹ )0.90.911.21.21.31.31.31.41.21.1
YoY Gr. Rt. %-5.8%9.8%15.8%6%0.8%0.8%3.2%3.9%-12.6%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)-6.74.793.52.60.40.61.82.7-60

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income22.8%-1.3%35.6%6.7%
Adj EPSNA-219.4%-357.1%-383.3%
BVPS3.4%-1%-2.2%-12.6%
Share Price 6.8% -9.2% -0.2% -9.2%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Margins
Net Profit Margin (%)-78.982.979.730.822.33.910.112.619.7-54.9-45.9
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)-7.24.99.46.260.912.44.2-13.1-9.1

Recent Performance Summary

Total Income has increased 35.57 CAGR in last 3 years

Return on Equity is Poor

Net Profit has declined -357.13 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials - Karnavati Finance Ltd.

Standalone Consolidated
TTM EPS (₹) -0.1 -
TTM Sales (₹ Cr.) 2.2 -
BVPS (₹.) 1.1 -
Reserves (₹ Cr.) 1 -
P/BV 1.76 -
PE 0.00 -
From the Market
52 Week Low / High (₹) 1.82 / 4.08
All Time Low / High (₹) 0.97 / 27.39
Market Cap (₹ Cr.) 19.6
Equity (₹ Cr.) 10.1
Face Value (₹) 1
Industry PE 49.1

Quarterly Results

 Mar'24 YoY Gr. Rt. %Jun'24 YoY Gr. Rt. %Sep'24 YoY Gr. Rt. %Dec'24 YoY Gr. Rt. %
Operating Income0.9 -11.90.6 10.50.3 -76.50.4 0
Adj EPS (₹)-0.02 N/A0.01 N/A-0.09 -250-0.01 N/A
Net Profit Mgn %-20.25 3843 bps19.97 8375 bps-307.53 -35728 bps-15.40 42287 bps

Management X-Ray of Karnavati Finance:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:58.64%Institutions:0%Non-Institutions:41.36%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Sep22Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep24Dec240%10%20%30%40%50%60%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of Karnavati Finance

MRP
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MOS
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DP
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Base BVPS
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DPS
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MRP: ₹ 0
DP: ₹0
Base BVPS ₹:
DPS ₹:
MOS (%):
Save my Valuation
Expected BVPS Growth Rate:
0%
Base 0%
30%
Expected Rate of Return:
0%
Base 0%
30%
Future PBV:
0
Base 0
40
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max

Event Update

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Analyst's Notes

No data found!

Key Ratios of Karnavati Finance

Adj EPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of
Company Name CMP(₹)
Change ₹(%)
Market Cap
Net Sales (₹ Cr.)
Latest EPS (₹)
Net Profit Margin %
Latest P/E
Latest P/BV
Paul Merchants 796.1 4.1 (0.5%) Small Cap 6,502 26.5 0.4 29.9 0.5
JM Financial 95.8 -2.6 (-2.6%) Small Cap 4,761 4 0.6 24.5 1.1
IIFL Finance 316.9 3.6 (1.2%) Small Cap 4,604 -6.7 12.7 - 2.1
Altius Telecom Infra 150 0 (0%) Small Cap 4,146 - 100.9 - -
Embassy Office Parks 367.6 12.1 (3.4%) Small Cap 3,816 - 25.3 - -
INDIGRID 141.2 0.3 (0.2%) Small Cap 2,717 - 38.6 - -
Authum Inv. & Infra 1,495.3 -9.1 (-0.6%) Small Cap 2,412 234.3 121.2 6.4 1.9
Capri Global Capital 165 -1.6 (-0.9%) Small Cap 2,313 4.7 12.1 35.9 3.3
Centrum Capital 27.1 -0 (-0.2%) Small Cap 2,207 -4 -3.2 - 3.9
IIFL Capital Service 228 -4.9 (-2.1%) Small Cap 2,161 24.7 23.8 9.4 3
Shows rows:

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income0.480.631.232.133.242.761.222.482.853.04
Interest Income0.480.440.952.023.242.761.222.402.853.04
Other Income 00.190.280.110000.0800
Expenditure 0.820.200.261.302.252.621.022.072.104.62
Interest Expense 000.010.681.580.260.050.030.341.59
Operating Expenses 0.490.190.250.560.510.910.950.651.410.93
Provisions 0.330.0100.060.171.450.021.390.352.09
Exceptional Items 0000000000
Profit Before Tax -0.350.440.970.830.990.140.200.410.75-1.57
Taxes 0.030.070.210.210.260.030.080.100.190.09
Profit After Tax -0.380.370.750.620.720.110.120.300.56-1.67
Adjusted EPS (₹)0.00.00.10.10.10.00.00.00.1-0.2
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital7.317.688.4311.7612.4812.5912.7113.0113.5811.91
Share Capital 8.368.368.3610.0510.0510.0510.0510.0510.0510.05
Reserves -1.05-0.680.071.712.432.542.662.963.531.86
Minority Interest0000000000
Long Term Borrowings0.27-0.03-0.0314.4815.9911.045.430.7612.6315.32
Current Liabilities 0.290.310.420.670.810.760.770.671.141.49
Trade Payables0.230.150.180.300.300.410.660.080.751.06
Short term borrowings000000.2200.440.080.22
Other Liabilities-0.23-0.15-0.18-0.30-0.30-0.63-0.66-0.52-0.83-1.28
Total Liabilities 7.877.968.8226.9129.2924.3918.9114.4527.3428.72

Assets

Non Current Asset 0.110.100.080.100.130.080.060.120.280.24
Loan Asset 0000000000
Other Non Current Asset 0.110.100.080.100.130.080.060.120.280.24
Current Asset 7.767.868.7426.8129.1524.3118.8414.3327.0728.48
Current Investment0000000000
Other Current Asset7.767.868.7426.8129.1524.3118.8414.3327.0728.48
Total Assets 7.877.968.8226.9129.2924.3918.9114.4527.3428.72

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity -4.65-0.070.35-16.560.084.865.714.25-9.44-2.79
Cash Flow From Investing Activity 0000000000
Cash Flow From Financing Activity 4.82-0.25-0.0316.55-0.08-5-5.91-4.2511.031.25
Net Cash Flow 0.17-0.320.32-0.010.01-0.14-0.2001.58-1.55
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)0011100000
DPS (₹)0000000000
BVPS (₹)9910121213131311

Performance Ratios

ROA (%)-6.74.79.03.52.60.40.61.82.7-6.0
ROE (%)-7.24.99.46.26.00.91.02.44.2-13.1
ROCE (%)-6.55.712.28.79.41.51.22.75.40.1

Valuation Parameters

Price/Book(x)1.20.01.22.62.52.51.21.27.11.8

Karnavati Finance Ltd Stock News

Karnavati Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Karnavati Finance on 27-Feb-2025 16:59 is ₹1.98.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 27-Feb-2025 16:59 the market cap of Karnavati Finance stood at ₹19.60.
The latest P/E ratio of Karnavati Finance as of 27-Feb-2025 16:59 is 0.00.
The latest P/B ratio of Karnavati Finance as of 27-Feb-2025 16:59 is 1.76.
The 52-week high of Karnavati Finance is ₹4.08 and the 52-week low is ₹1.82.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Karnavati Finance is ₹2.19 ( Cr.) .

About Karnavati Finance Ltd

Karnavati Finance was incorporated as Karnavati Finance and leasing Limited at Mumbai on December 05, 1984 under the Companies Act, 1956 with the Registrar of Companies, Maharashtra. On December 11, 1989 the name of the company was changed to Karnavati Finance Limited. Later in the year 2001-2002 the company was taken over by present promoter Raman Morzaria by acquiring 2,51,000 equity share at Rs 10.50 from Rajnikant Worah and his associate via share purchase agreement dated May 10, 2001. The company is a NBFC registered with RBI to carry on NBFC Activities under Section 45IA of the Reserve Bank of India Act, 1934 bearing Certificate no. 13.00064 dated February 24, 1998.

Product and Services

The company is a Non Deposit taking Loan Company (NBFC-ND-LC) engaged primarily in the business of providing loans as per the requirement of customers and they are both secured and unsecured finance. It is mainly involved in business loan and personal loan. The company’s products are typically directed at Individuals and small and medium size entities. The company’s loan products are customized to the requirements of its borrowers, broadly classified as:

  • Business Loan
  • Personal finance

Major Events

  • 1983-1984: Incorporation of the company as Karnavati Finance & Leasing Limited
  • 1985-1986: Certificate of commencement of Business
  • 1989-1990: The Name of the company change from Karnavati Finance & Leasing Limited to Karnavati Finance Limited
  • 1997-1998: RBI approval to carry on NBFC Activities
  • 2001-2002: Change In Management - Company Acquired By Mr. Raman Morzaria, existing Promoter
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