KUMBF's free cash flow for Q4 2024 was Rs0.86. For the 2024 fiscal year, KUMBF's free cash flow was decreased by Rs and operating cash flow was Rs0.44. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	3.04	2.68	2.00	3.28	4.79
Quick Ratio	2.12	1.90	1.45	2.60	4.03
Cash Ratio	1.38	1.02	0.92	1.47	2.76
Solvency Ratio	0.74	0.91	0.70	1.64	1.37
Operating Cash Flow Ratio	2.65	1.99	1.80	4.88	3.93
Short-Term Operating Cash Flow Coverage	233.32	7.07	4.09	-75.18	-37.85
Net Current Asset Value	Rs 3.08B	Rs 9.00B	Rs 2.03B	Rs 9.44B	Rs 16.99B
Leverage Ratios
Debt-to-Assets Ratio	<0.01	0.05	0.09	<0.01	<0.01
Debt-to-Equity Ratio	<0.01	0.09	0.17	<0.01	0.01
Debt-to-Capital Ratio	<0.01	0.08	0.15	<0.01	0.01
Long-Term Debt-to-Capital Ratio	0.00	0.00	<0.01	<0.01	<0.01
Financial Leverage Ratio	1.84	1.90	2.01	1.84	1.74
Debt Service Coverage Ratio	43.03	7.44	3.46	-133.86	-63.36
Interest Coverage Ratio	58.17	65.97	76.78	208.80	158.29
Debt to Market Cap	<0.01	0.03	0.04	>-0.01	>-0.01
Interest Debt Per Share	2.15	15.90	23.62	2.20	2.41
Net Debt to EBITDA	-0.43	-0.23	-0.22	-0.22	-0.45
Profitability Margins
Gross Profit Margin	85.50%	83.70%	82.06%	89.84%	82.35%
EBIT Margin	38.63%	47.97%	36.68%	59.05%	51.76%
EBITDA Margin	47.74%	53.77%	43.60%	64.00%	57.84%
Operating Profit Margin	39.17%	47.20%	50.30%	58.29%	50.98%
Pretax Profit Margin	39.88%	47.25%	36.16%	58.77%	51.44%
Net Profit Margin	21.80%	26.35%	20.22%	32.58%	28.44%
Continuous Operations Profit Margin	28.60%	34.56%	26.55%	42.76%	37.25%
Net Income Per EBT	54.67%	55.77%	55.91%	55.44%	55.28%
EBT Per EBIT	101.81%	100.10%	71.89%	100.83%	100.90%
Return on Assets (ROA)	14.94%	23.02%	18.11%	40.63%	27.61%
Return on Equity (ROE)	27.65%	43.69%	36.47%	74.56%	48.01%
Return on Capital Employed (ROCE)	29.99%	48.48%	55.41%	82.82%	54.66%
Return on Invested Capital (ROIC)	21.46%	33.73%	36.87%	60.68%	39.92%
Return on Tangible Assets	14.94%	23.02%	17.91%	40.18%	27.36%
Earnings Yield	13.84%	16.97%	9.56%	23.25%	20.91%
Efficiency Ratios
Receivables Turnover	12.52	13.58	13.08	13.10	11.86
Payables Turnover	1.04	2.16	2.19	1.43	3.05
Inventory Turnover	1.03	1.23	1.56	1.53	2.41
Fixed Asset Turnover	1.18	1.76	1.71	2.34	1.97
Asset Turnover	0.69	0.87	0.90	1.25	0.97
Working Capital Turnover Ratio	3.22	4.29	3.87	3.90	3.53
Cash Conversion Cycle	33.34	153.76	95.27	11.93	62.50
Days of Sales Outstanding	29.15	26.88	27.90	27.87	30.77
Days of Inventory Outstanding	355.87	296.04	234.33	238.58	151.24
Days of Payables Outstanding	351.68	169.16	166.96	254.52	119.51
Operating Cycle	385.01	322.92	262.23	266.45	182.00
Cash Flow Ratios
Operating Cash Flow Per Share	84.90	91.09	86.60	152.53	95.61
Free Cash Flow Per Share	56.15	60.44	52.06	133.04	77.69
CapEx Per Share	28.76	30.66	34.54	19.49	17.92
Free Cash Flow to Operating Cash Flow	0.66	0.66	0.60	0.87	0.81
Dividend Paid and CapEx Coverage Ratio	1.26	1.31	0.92	1.14	1.78
Capital Expenditure Coverage Ratio	2.95	2.97	2.51	7.83	5.34
Operating Cash Flow Coverage Ratio	114.70	6.51	3.92	116.26	59.65
Operating Cash Flow to Sales Ratio	0.41	0.34	0.38	0.48	0.38
Free Cash Flow Yield	17.09%	14.52%	10.67%	29.84%	22.87%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	7.22	5.89	10.46	4.30	4.78
Price-to-Sales (P/S) Ratio	1.57	1.55	2.12	1.40	1.36
Price-to-Book (P/B) Ratio	1.99	2.57	3.82	3.21	2.30
Price-to-Free Cash Flow (P/FCF) Ratio	5.85	6.89	9.38	3.35	4.37
Price-to-Operating Cash Flow Ratio	3.88	4.57	5.64	2.92	3.55
Price-to-Earnings Growth (PEG) Ratio	-55.10	0.11	-0.19	0.09	0.12
Price-to-Fair Value	1.99	2.57	3.82	3.21	2.30
Enterprise Value Multiple	2.86	2.66	4.63	1.97	1.90
Enterprise Value	91.70B	123.31B	149.44B	128.80B	87.92B
EV to EBITDA	2.86	2.66	4.63	1.97	1.90
EV to Sales	1.36	1.43	2.02	1.26	1.10
EV to Free Cash Flow	5.08	6.34	8.94	3.02	3.53
EV to Operating Cash Flow	3.36	4.21	5.38	2.63	2.87
Tangible Book Value Per Share	217.43	212.07	167.71	182.18	193.93
Shareholders’ Equity Per Share	165.66	161.70	127.91	139.05	147.95
Tax and Other Ratios
Effective Tax Rate	0.28	0.27	0.27	0.27	0.28
Revenue Per Share	209.20	268.06	230.70	318.16	249.79
Net Income Per Share	45.61	70.64	46.64	103.67	71.03
Tax Burden	0.55	0.56	0.56	0.55	0.55
Interest Burden	1.03	0.99	0.99	1.00	0.99
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.02	0.03	0.05	0.03	0.02
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	1.86	1.29	1.03	0.82	0.75

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