Kfin Technologies Limited (KFINTECH) AI Stock Analysis

• Market Cap: ₹181.25B
• Dividend Yield: 0.71%
• Average Volume (3M): 56.38K
• Price to Earnings (P/E): 52.3
• Beta (1Y): 1.52
• Revenue Growth: 19.98%
• EPS Growth: 15.04%
• Country: IN
• Employees: 5,599
• Sector: Financial
• Sector Strength: 70
• Industry: Software - Application
• EPS (TTM): 5.40
• Shares Outstanding: 172,401,000
• 10 Day Avg. Volume: 83,788
• 30 Day Avg. Volume: 56,378
• PEG Ratio: 1.56
• Price to Book (P/B): 12.58
• Price to Sales (P/S): 15.98
• P/FCF Ratio: 56.61
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹1,215.00
• Price Target Upside: 15.71% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 70 Outperform
• Price Target: ₹1,223.00 ▲(16.48% Upside)

Kfin Technologies Limited's strong financial performance is the primary driver of its overall score, supported by robust revenue and profit growth, and efficient cash flow management. However, the high P/E ratio suggests the stock may be overvalued, and technical indicators show mixed signals, contributing to a moderate overall score.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term financial stability.

Cash Flow Management

Robust cash flow management ensures liquidity and flexibility for strategic investments and operational needs, enhancing resilience.

Profitability Margins

Strong profitability margins reflect effective cost control and pricing power, contributing to sustainable financial performance.

Negative Factors

Liabilities Increase

An increase in liabilities, although marginal, could impact financial flexibility and requires careful management to avoid future strain.

High Stock Valuation

High valuation may limit future stock price appreciation and could lead to investor caution, impacting capital raising efforts.

Dividend Yield

A low dividend yield may deter income-focused investors, potentially affecting stock demand and investor base diversity.

Kfin Technologies Limited Business Overview & Revenue Model

Company Description

Kfin Technologies Limited (KFINTECH) is a leading technology and financial services provider in India, specializing in offering comprehensive solutions for the asset management and financial services sectors. The company provides a range of services including mutual fund administration, investor services, and technology solutions to asset managers, banks, and other financial institutions. KFINTECH leverages its technological expertise to deliver innovative and efficient platforms that enhance operational efficiency and customer experience.

How the Company Makes Money

Kfin Technologies generates revenue through multiple key streams, primarily by providing technology and outsourcing services to asset managers and financial institutions. The company earns fees for its mutual fund and investor services, which include fund accounting, investor servicing, and compliance solutions. Additionally, KFINTECH offers transaction-based fees for its technology platforms and services, which are often utilized by banks and financial institutions. Significant partnerships with leading financial institutions and asset management companies enhance its market position and contribute to its revenue growth. The company may also explore additional revenue opportunities through the development of new technology solutions and expanding its service offerings in the financial services ecosystem.

Kfin Technologies Limited Financial Statement Overview

Summary

Kfin Technologies Limited exhibits strong financial health with consistent revenue and profit growth, robust profitability margins, and efficient cash flow management. The company maintains a low debt-to-equity ratio and a strong equity base, though a slight increase in liabilities should be monitored.

Income Statement

Kfin Technologies Limited demonstrates strong revenue growth, with a notable increase from previous years. The gross and net profit margins are robust, indicating efficient cost management and strong profitability. EBIT and EBITDA margins are also healthy, suggesting strong operational performance. The company shows consistent revenue growth, particularly over the last three years, highlighting a positive trajectory in income generation.

Balance Sheet

The company maintains a strong balance sheet with a low debt-to-equity ratio, indicating lower financial risk. Return on Equity (ROE) is impressive, showcasing effective use of equity to generate profits. The equity ratio is solid, reflecting a strong equity base relative to total assets. However, the total liabilities have increased marginally, which warrants monitoring.

Cash Flow

Kfin Technologies has a strong cash flow position with significant free cash flow generation and growth. The operating cash flow to net income ratio is healthy, indicating good conversion of profits into cash. The company also exhibits a strong free cash flow to net income ratio, highlighting efficient capital management. An increase in free cash flow over the years points to effective cash management.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	11.27B	11.08B	8.38B	6.93B	6.40B	4.61B
Gross Profit	7.08B	7.01B	5.18B	4.32B	4.07B	2.88B
EBITDA	5.33B	5.17B	3.89B	3.15B	2.94B	2.17B
Net Income	3.42B	3.33B	2.46B	1.96B	1.49B	-645.07M
Balance Sheet
Total Assets	0.00	17.51B	14.19B	12.51B	10.26B	9.23B
Cash, Cash Equivalents and Short-Term Investments	6.31B	6.54B	4.00B	2.98B	1.47B	1.20B
Total Debt	0.00	465.23M	486.61M	1.60B	1.60B	3.83B
Total Liabilities	-14.08B	3.43B	2.78B	3.81B	3.82B	5.76B
Stockholders Equity	14.08B	14.08B	11.41B	8.70B	6.44B	3.46B
Cash Flow
Free Cash Flow	0.00	3.13B	2.04B	1.53B	1.85B	1.75B
Operating Cash Flow	0.00	3.99B	2.89B	2.23B	2.53B	2.05B
Investing Cash Flow	0.00	-3.23B	-1.78B	-2.04B	-1.15B	-1.04B
Financing Cash Flow	0.00	-953.29M	-1.27B	72.53M	-1.15B	-894.00M

Kfin Technologies Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1050.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:KFINTECH, the sentiment is Negative. The current price of 1050 is below the 20-day moving average (MA) of 1063.77, below the 50-day MA of 1086.84, and below the 200-day MA of 1104.81, indicating a bearish trend. The MACD of -10.86 indicates Positive momentum. The RSI at 45.13 is Neutral, neither overbought nor oversold. The STOCH value of 45.85 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:KFINTECH.

Kfin Technologies Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ANANDRATHI	73 Outperform	₹244.35B	71.11	―	0.44%	22.46%	30.82%
MOTILALOFS	73 Outperform	₹519.23B	25.59	―	0.59%	-14.24%	-40.53%
KFINTECH	70 Outperform	₹181.25B	52.31	―	0.71%	19.98%	15.04%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ABSLAMC	65 Neutral	₹216.96B	22.33	―	3.21%	10.40%	8.23%
UTIAMC	65 Neutral	₹147.31B	24.98	―	2.26%	-9.65%	-30.52%
HDFCAMC	62 Neutral	₹1.15T	41.67	―	0.86%	19.21%	24.12%

Kfin Technologies Limited Corporate Events

KFin Technologies Schedules Investor Meetings in Singapore

KFin Technologies Limited has announced a schedule for meetings with analysts and institutional investors in Singapore on December 10 and 11, 2025. These meetings aim to provide insights into the company’s operations and strategies, potentially impacting its market positioning and stakeholder engagement.

KFin Technologies to Engage with Institutional Investors in Hong Kong Roadshows

KFin Technologies Limited announced its participation in a series of non-deal roadshows organized by Citi, scheduled for December 8-9, 2025, in Hong Kong. These meetings with various institutional investors and analysts aim to strengthen relationships and provide insights into the company’s strategies and performance, potentially impacting its market positioning and stakeholder engagement.

KFin Technologies Schedules Analyst Meet with HDFC AMC

KFin Technologies Limited has announced a scheduled Analyst/Institutional Investors’ Meet, which will be held virtually with HDFC AMC on December 12, 2025. This meeting aims to provide insights into the company’s operations and strategies, reflecting presentations previously shared on stock exchange and company websites, potentially impacting investor relations and market perceptions.

KFin Technologies Engages in European Investor Roadshows

KFin Technologies Limited announced its participation in a series of investor non-deal roadshows organized by Jefferies, scheduled from November 24 to November 28, 2025, across major European financial hubs including London, Edinburgh, Paris, and Frankfurt. This initiative aims to engage with institutional investors and analysts, potentially strengthening its market presence and investor relations by showcasing its strategic direction and financial performance.

KFin Technologies Expands Global Reach with Strategic Investment in Singapore Subsidiary

KFin Technologies Limited has invested USD 35 million in its wholly owned subsidiary, KFin Technologies (Singapore) Pte. Ltd, enabling it to acquire a 51% controlling stake in Ascent Fund Services (Singapore) Pte. Ltd. This strategic investment is expected to enhance KFin’s global presence and expand its service offerings in fund administration and financial technology solutions, potentially strengthening its market position and benefiting stakeholders.

KFin Technologies Schedules Analyst and Investor Meet in Mumbai

KFin Technologies Limited has announced a schedule for an Analyst and Institutional Investors’ Meet, set to take place in Mumbai on September 22 and 24, 2025. This meeting aims to engage with key stakeholders such as Aditya Birla MF and William Blair, providing insights into the company’s operations and strategies, potentially impacting its market positioning and investor relations.

KFin Technologies to Engage with Investors in Hong Kong and Singapore

KFin Technologies Limited has announced its participation in a series of investor non-deal roadshows organized by IIFL Capital, scheduled to take place in Hong Kong and Singapore from September 22 to 25, 2025. These meetings aim to engage with various institutional investors and analysts, potentially impacting the company’s investor relations and market positioning by showcasing its strategic initiatives and financial outlook.

KFin Technologies Schedules ‘KFintech Technology Day’ for Investor Engagement

KFin Technologies Limited has announced an upcoming ‘KFintech Technology Day’ scheduled for September 12, 2025, in Bhubaneswar. This event, organized with Investec, aims to engage analysts and institutional investors, potentially impacting the company’s market visibility and investor relations positively.

KFin Technologies Expands Equity Share Capital Through Employee Stock Option Plan

KFin Technologies Limited has announced the allotment of 39,931 equity shares following the exercise of options by eligible grantees under the KFin Employee Stock Option Plan 2020. This move has resulted in an increase in the company’s equity share capital, reflecting its ongoing commitment to employee engagement and retention through stock-based incentives.