Kiran Vyapar Ltd.

•

inbgroup.comBSE: 537750NSE: KIRANVYPAR

Market Cap₹ 554 Cr.

Current Price

High / Low₹ 219 / 148

Stock P/E80.3

Book Value₹ 821

Price to Book0.23

Dividend Yield0.49 %

ROCE4.2 %

ROE2.9 %

Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2025 • Investment: 81.6% • Trading: 18.3% • Unallocated: 0.1%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Company has delivered good profit growth of 53.8% CAGR over last 5 years
Comfortable capital adequacy - CAR of 59.9%
Asset quality is healthy - gross NPA of just 0.0%
Solid return on assets for a lender - ROA of 2.6%
Company has consistently been profitable over the last 5 years

CONS

Recent results are weak - TTM profit is down 110.3% versus prior year
Company has a low return on capital employed of 6.8%
Company has a low return on equity of 5.8% over last 3 years
Operating margins have contracted to 60.4% from 79.2%
Thin net interest margin of 0.0%
Company has delivered a poor sales growth of 7.1% over past five years

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJFINANCE	1034.20	31.71	643888.19	0.58	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1028.00	21.37	241893.03	1.05	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1845.00	27.40	157575.18	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
4.	TATACAP	362.80	28.50	154003.85	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	230.00	73.49	151872.26	0.26	8302.50	2457.29	20044.70	3172.82	2.11	69.71
6.	BAJAJHLDNG	11120.70	13.97	123766.17	1.75	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2794.40	9.86	112186.35	1.07	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	398.60	26.59	109118.68	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	309.50	24.37	77571.61	0.89	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	656.05	27.44	62432.55	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	668.65	25.53	55549.10	0.60	785.20	38.31	4937.90	18.71	9.09	57.98
12.	KIRANVYPAR	203.20	80.34	554.42	0.49	19.45	-88.01	33.06	39.03	4.16	101.78

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	27	10	30	24	28	41	19	12	24	33	20	9	33
	4	3	7	24	4	4	18	19	9	16	21	11	20
Operating Profit	23	7	23	-0	24	38	14	-7	18	18	15	-1	34
OPM %	86.96%	70.95%	77.77%	-0.72%	85.42%	91.28%	71.27%	-56.99%	77.63%	53.03%	73.16%	-6.23%	101.78%
Other Income	0	0	0	3	0	0	0	0	0	0	0	0	0
Interest	3	3	2	2	2	3	4	6	6	7	8	9	11
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
	21	5	21	1	22	35	9	-13	12	10	6	-10	23
Tax %	18.93%	31.77%	67.31%	38.71%	18.92%	24.23%	63.75%	2.06%	13.40%	55.11%	83.95%	27.99%	14.65%
Net Profit	0	0	0	0	305	33	78	-13	162	-0	-25	-10	19
	9	3	2	3	12	11	3	-3	6	-0	-1	-4	1

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
	72	119	84	101	80	141	159	67	133	113	95
	24	61	40	72	60	40	40	29	38	45	67
Operating Profit	48	58	44	29	20	101	119	38	95	68	28
OPM %	66.78%	48.94%	52.76%	28.34%	24.79%	71.49%	74.77%	56.74%	71.52%	60.41%	29.01%
	6	2	1	1	0	8	7	1	3	0	0
Interest	3	5	7	3	4	3	5	6	10	15	36
Depreciation	2	2	2	2	2	2	3	0	0	0	0
Profit before Tax	49	53	36	25	14	116	139	46	222	77	30
Tax %	8.18%	11.59%	24.24%	14.89%	50.81%	15.61%	15.02%	16.64%	8.93%	23.72%	39.33%
Net Profit	45	47	27	21	7	98	118	39	202	59	18
EPS	0.00	0.00	0.00	0.00	-2.95	36.15	43.78	14.28	74.81	21.91	—
Dividend Payout %	18.38%	13.43%	22.10%	29.80%	-25.40%	4.15%	3.43%	7.00%	1.34%	4.56%	—

COMPOUNDED SALES GROWTH

10 Years:: 4%
5 Years:: 7%
3 Years:: -11%

COMPOUNDED PROFIT GROWTH

10 Years:: -2%
5 Years:: —
3 Years:: -21%

STOCK PRICE CAGR

10 Years:: —
5 Years:: —
3 Years:: —
1 Year:: —

RETURN ON EQUITY

10 Years:: 5%
5 Years:: 7%
3 Years:: 6%
Last Year:: 3%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	26	26	26	27	27	27	27	27	27	27
Minority Interest	30	33	68	61	52	66	58	50	59	53
	842	890	1,043	1,050	932	1,191	1,403	1,438	1,913	2,113
	39	56	44	33	28	31	37	141	91	291
Trade Payables	0	0	0	0	0	0	0	0	1	1
	16	11	31	33	18	46	72	77	121	109
Total Liabilities	953	1,015	1,212	1,204	1,057	1,361	1,597	1,733	2,212	2,594
	50	48	49	49	41	41	34	23	2	2
	753	688	893	898	706	976	1,229	1,336	1,876	2,097
	27	40	20	17	11	0	0	0	0	0
	0	0	0	0	0	0	0	0	2	0
Cash & Bank	4	22	5	9	17	15	40	18	37	136
	120	217	244	231	281	328	294	355	294	358
Total Assets	953	1,015	1,212	1,204	1,057	1,361	1,597	1,733	2,212	2,594

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	22	-88	21	32	-24	-3	76	-41	59	-68
Cash from Investing	-24	110	-5	-0	53	7	-40	-71	15	-23
Cash from Financing	-2	4	-27	-19	-15	0	-1	94	-55	190
	-7	18	-18	4	8	-2	25	-22	19	100

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	74.96	74.96	74.96	74.96	74.96	74.96	74.96	74.96	74.96
FIIs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
DIIs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	25.04	25.04	25.04	25.04	25.04	25.04	25.04	25.04	25.04

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

No announcements filed.

News

Recent coverage and analyst commentary for KIRANVYPAR

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Kiran Vyapar Ltd.

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Free 5nance Account

Name

BAJFINANCE

1034.20

31.71

643888.19

0.58

6080.60

27.60

23165.45

20.37

10.87

70.70

SHRIRAMFIN

1028.00

21.37

241893.03

1.05

3452.77

59.90

13400.43

17.46

11.49

74.63

CHOLAFIN

1845.00

27.40

157575.18

0.11

1656.22

45.56

8856.29

21.89

9.70

70.07

TATACAP

362.80

28.50

154003.85

0.16

16281.80

1464.16

88219.30

1051.00

8.66

75.72

JIOFIN

230.00

73.49

151872.26

0.26

8302.50

2457.29

20044.70

3172.82

2.11

69.71

BAJAJHLDNG

11120.70

13.97

123766.17

1.75

2708.08

-92.27

394.33

23.34

14.81

684.72

MUTHOOTFIN

2794.40

9.86

112186.35

1.07

2824.84

43.08

8671.60

36.25

15.87

83.76

ABCAPITAL

398.60

26.59

109118.68

0.00

1223.85

43.85

12179.54

137.84

8.82

41.91

LTF

309.50

24.37

77571.61

0.89

915.99

30.70

5212.92

22.38

8.54

62.13

SBICARD

656.05

27.44

62432.55

0.38

664.44

19.51

5040.55

7.60

11.75

29.83

HDBFS

668.65

25.53

55549.10

0.60

785.20

38.31

4937.90

18.71

9.09

57.98

KIRANVYPAR

203.20

80.34

554.42

0.49

19.45

-88.01

33.06

39.03

4.16

101.78

Jun 2023

Sep 2023

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

Operating Profit

-0

-7

-1

OPM %

86.96%

70.95%

77.77%

-0.72%

85.42%

91.28%

71.27%

-56.99%

77.63%

53.03%

73.16%

-6.23%

101.78%

Other Income

Interest

Depreciation

-13

-10

Tax %

18.93%

31.77%

67.31%

38.71%

18.92%

24.23%

63.75%

2.06%

13.40%

55.11%

83.95%

27.99%

14.65%

Net Profit

305

-13

162

-0

-25

-10

-3

-0

-1

-4

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

TTM

119

101

141

159

133

113

Operating Profit

101

119

OPM %

66.78%

48.94%

52.76%

28.34%

24.79%

71.49%

74.77%

56.74%

71.52%

60.41%

29.01%

Interest

Depreciation

Profit before Tax

116

139

222

Tax %

8.18%

11.59%

24.24%

14.89%

50.81%

15.61%

15.02%

16.64%

8.93%

23.72%

39.33%

Net Profit

118

202

EPS

0.00

-2.95

36.15

43.78

14.28

74.81

21.91

—

Dividend Payout %

18.38%

13.43%

22.10%

29.80%

-25.40%

4.15%

3.43%

7.00%

1.34%

4.56%

—

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Equity Capital

Minority Interest

842

890

1,043

1,050

932

1,191

1,403

1,438

1,913

2,113

141

291

Trade Payables

121

109

Total Liabilities

953

1,015

1,212

1,204

1,057

1,361

1,597

1,733

2,212

2,594

753

688

893

898

706

976

1,229

1,336

1,876

2,097

Cash & Bank

136

120

217

244

231

281

328

294

355

294

358

Total Assets

953

1,015

1,212

1,204

1,057

1,361

1,597

1,733

2,212

2,594

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

-88

-24

-3

-41

-68

Cash from Investing

-24

110

-5

-0

-40

-71

-23

Cash from Financing

-2

-27

-19

-15

-1

-55

190

-7

-18

-2

-22

100

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

74.96

FIIs

0.00

DIIs

0.00

Government

0.00

25.04

Kiran Vyapar Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

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Kiran Vyapar Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI