Models
KIFS FINANCIAL SERVICES LTD.BSE 535566Finance
₹208per share · Base Model Note
Revenue growth, the horizon and scenarios are yours to change. Every other input is part of the Trader plan; saving, sharing a saved link and the live-formula workbook are part of the Institutional plan.
Scenario
Value per share, your model₹208implied P/B 3.57× on FY26 book
Against CMP ₹114.85+80.9%close of 2026-09-10
Cost of equity7.42%risk-free + beta × equity risk premium
Book equity, FY26₹58per share · excess returns add ₹150
This figure is the arithmetic of your inputs and nothing else. MarketPing publishes no fair value, target or rating; the model is yours.
Excess-return schedule · ₹ crore · book equity earns your ROE; value is book plus the returns above the cost of equity
| ₹ crore | FY27 | FY28 | FY29 | FY30 | FY31 |
|---|---|---|---|---|---|
| Opening book equity | 63 | 69 | 76 | 84 | 92 |
| Net income at 12.6% ROE | 8 | 9 | 10 | 11 | 12 |
| Cost of equity charge at 7.42% | (5) | (5) | (6) | (6) | (7) |
| Excess return | 3 | 4 | 4 | 4 | 5 |
| Present value | 3 | 3 | 3 | 3 | 3 |
| Closing book equity | 69 | 76 | 84 | 92 | 102 |
| Book equity today | 63 |
| PV of 5 years of excess return | 17 |
| PV of the terminal excess return, 5% flat | 145 |
| add non-operating investments | 0 |
| Equity value | 225 |
| ÷ 1.08 crore shares | ₹208 |
Where the methods land · ₹ per share · the dashed line is the CMP
52-week rangetraded range, a fact not a value
₹98₹192
Scenarios side by side · ₹ per share
| Scenario | Template | Growth | Margin | Rate | Terminal | ₹ / share | vs CMP |
|---|---|---|---|---|---|---|---|
| Base · editing | Excess return | ROE 12.6% | — | 7.42% | 5% | ₹208 | 80.9% |
A scenario is a full set of inputs under a name. Keep Base as the filed history carried forward; add Bull and Bear by saving the current inputs under those names and moving the two or three assumptions you actually hold a view on. The distribution above draws each driver between the lowest and highest value across your scenarios, so three scenarios give it a real range; with one scenario it falls back to fixed bands.