Kfin Technologies Limited (KFINTECH) AI Stock Analysis

• Market Cap: ₹182.72B
• Dividend Yield: 0.71%
• Average Volume (3M): 42.64K
• Price to Earnings (P/E): 54.3
• Beta (1Y): 1.42
• Revenue Growth: 26.70%
• EPS Growth: 25.37%
• Country: IN
• Employees: 5,599
• Sector: Financial
• Sector Strength: 70
• Industry: Software - Application
• EPS (TTM): 4.50
• Shares Outstanding: 172,262,820
• 10 Day Avg. Volume: 47,393
• 30 Day Avg. Volume: 42,643
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: ₹1,100.00
• Price Target Upside: 3.45% Upside
• Rating Consensus: Moderate Sell
• Number of Analyst Covering: 1

• Rating: 68 Neutral
• Price Target: ₹1,192.00 ▲(12.10% Upside)

Kfin Technologies Limited demonstrates strong financial performance, which is the most significant factor in its overall score. However, the stock's valuation appears high, and technical indicators suggest mixed momentum, which tempers the overall score.

Kfin Technologies Limited Business Overview & Revenue Model

Company Description

KFin Technologies Limited operates as a corporate registrar and transfer agency in India and internationally. It operates through Registry Services, Data Processing Services, and Pension Fund Solutions segments. The company also offers IPO allocation solutions; investor service platform; and platform for managing national pension system operations, as well as engages in the incubation management of asset management companies. In addition, it provides registrar and transfer agency platform services across various asset categories, such as mutual funds, pension funds, PMS, PWM, and other investment products; digital solution for investors and distributors; end-to-end investment management services across various asset classes; mortgage, legal, transfer agency, and finance and accounting services; and K-Finwealth, a wealth tech platform that provides wealth management and financial solutions. Further, the company offers fund accounting, transfer agency, investor servicing, and client reporting service for various alternative funds; manages multiple strategies across varied alternative asset managers; and provides K-ALT, a proprietary technology service that enables to navigate alternative asset investment spectrum. It serves asset managers across various asset managers with clients spanning mutual funds, alternative investments, and pension funds; and wealth managers and corporates. The company was incorporated in 2017 and is headquartered in Hyderabad, India.

How the Company Makes Money

Kfin Technologies Limited generates revenue through a multifaceted business model that encompasses various streams. The company earns fees by providing registrar and transfer agency services, fund accounting, and compliance solutions to mutual funds, alternative investment funds, and other financial institutions. It also derives income from offering investor and issuer solutions, which include transaction processing, reporting, and corporate actions management. KFINTECH's strategic partnerships with financial institutions and corporations enhance its service offerings and expand its client base, contributing significantly to its revenue. Additionally, the company's technological innovations and data-driven services help attract new clients and retain existing ones, further driving its earnings.

Kfin Technologies Limited Financial Statement Overview

Summary

Kfin Technologies Limited exhibits strong financial health with consistent revenue and profit growth, strong profitability margins, and efficient cash flow management. The robust equity position and low leverage enhance its financial stability, although the slight increase in liabilities needs monitoring.

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	10.91B	11.28B	8.38B	6.93B	6.40B	4.61B
Gross Profit	6.87B	6.87B	5.18B	4.32B	4.07B	2.88B
EBITDA	5.17B	5.17B	3.89B	3.15B	2.94B	2.17B
Net Income	3.33B	3.33B	2.46B	1.96B	1.49B	-645.07M
Balance Sheet
Total Assets	17.51B	17.51B	14.19B	12.51B	10.26B	9.23B
Cash, Cash Equivalents and Short-Term Investments	6.74B	6.74B	3.93B	2.98B	1.47B	1.20B
Total Debt	465.23M	465.23M	486.61M	1.60B	371.50M	3.83B
Total Liabilities	3.43B	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: 1063.30
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 1063.3 is below the 20-day moving average (MA) of 1090.17, below the 50-day MA of 1119.30, and below the 200-day MA of 1141.68, indicating a bearish trend. The MACD of -7.50 indicates Positive momentum. The RSI at 41.00 is Neutral, neither overbought nor oversold. The STOCH value of 6.09 is Positive, 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
MOTILALOFS	76 Outperform	565.92B	20.61	22.58%	0.53%	11.16%	-1.15%
HDFCAMC	75 Outperform	1.24T	48.33	30.26%	1.56%	27.61%	25.70%
UTIAMC	75 Outperform	177.48B	24.89	15.90%	1.87%	3.62%	-9.49%
ANANDRATHI	73 Outperform	239.12B	77.04	44.49%	0.36%	24.49%	31.45%
ABSLAMC	73 Outperform	234.30B	24.05	24.97%	2.96%	19.42%	16.76%
KFINTECH	68 Neutral	₹182.72B	54.32	―	0.71%	26.70%	25.37%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%