Check Before You Invest : Kiran Vyapar Ltd

Q: Which industry/sub-sector does Kiran Vyapar Ltd belong to?

Kiran Vyapar Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q: Is Kiran Vyapar Ltd a good quality company?

Kiran Vyapar Ltd is a weak quality company, based on a inconsistent multi-year financial track record. This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q: Is Kiran Vyapar Ltd undervalued or overvalued?

Kiran Vyapar Ltd appears Fair, as its key valuation ratios are in line with their past averages. Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more. Valuation Ratios. Price to Earnings, Current: -, Historic Median: 9.65. Price to Book, Current: 0.43, Historic Median: 0.46. Price to Sales, Current: 11.23, Historic Median: 6.64. EV to EBITDA, Current: 32.47, Historic Median: 9.65

Q: Is Kiran Vyapar Ltd a good buy now?

Kiran Vyapar Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Q: Total Income growth of Kiran Vyapar Ltd?

Kiran Vyapar Ltd Operating Income growth is -26.41% for FY-2025, which is below its 5-year CAGR of 9.36%, indicating slower growth.

Q: Return on Assets of Kiran Vyapar Ltd?

Kiran Vyapar Ltd Return on Asset is 2.6%, which is below its 5-year historical median of 5.4%, indicating deteriorated earnings on assets. Efficiency & Key Metrics. NPM (%), Current: 48.52, Historic Median: 62.24. PPOP (%), Current: -43.59, Historic Median: 16.67. RoA (%), Current: 2.6, Historic Median: 5.4

Q: Return on Equity (ROE) of Kiran Vyapar Ltd?

Kiran Vyapar Ltd Return on Equity is 3.2% for FY-2025, which is below its 5-year historical median of 6.3%, indicating the business is making worse use of its shareholders capital.

Q: Pre-provisioning operating profit margin of Kiran Vyapar Ltd?

Kiran Vyapar Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -43.59% for FY-2025, which is below its 5-year median(16.67%), indicating decreasing margins.

Q: Net Profit Margin of Kiran Vyapar Ltd?

Kiran Vyapar Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 48.52% for FY-2025, which is below its 5-year median( 62.24%), indicating decreasing margins.

Q: Does its ROIC exceed its WACC?

Kiran Vyapar Ltd return on invested capital (ROIC) is 3.49% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

Check Before You Invest : Kiran Vyapar Ltd

BSE: 537750 NSE: KIRANVYPAR ISIN: INE555P01013

| Sector: BFSI | Industry: Finance - NBFC

Snapshot

Q.1 Which industry/sub-sector does Kiran Vyapar Ltd belong to?

Kiran Vyapar Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q.2 Is Kiran Vyapar Ltd a good quality company?

Kiran Vyapar Ltd is a weak quality company, based on a inconsistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q.3 Is Kiran Vyapar Ltd undervalued or overvalued?

Kiran Vyapar Ltd appears Fair, as its key valuation ratios are in line with their past averages.

Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more.

Valuation Ratios	Current	5-year Historic Median
Price to Earnings	-	9.65
Price to Book	0.43	0.46
Price to Sales	11.23	6.64
EV to EBITDA	32.47	9.65

Q.4 Is Kiran Vyapar Ltd a good buy now?

Kiran Vyapar Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Performance Analysis

We have analysed the performance of the company on the following:

How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

A: What are the trends in income and profitability?

Q.1 Total Income growth of Kiran Vyapar Ltd?

Kiran Vyapar Ltd Operating Income growth is -26.41% for FY-2025, which is below its 5-year CAGR of 9.36%, indicating slower growth.

Q.2 Return on Assets of Kiran Vyapar Ltd?

Kiran Vyapar Ltd Return on Asset is 2.6%, which is below its 5-year historical median of 5.4%, indicating deteriorated earnings on assets.

	Current Level	5-year Historic Median
NPM (%)	48.52	62.24
PPOP (%)	-43.59	16.67
RoA (%)	2.6	5.4

Q.3 Return on Equity (ROE) of Kiran Vyapar Ltd?

Kiran Vyapar Ltd Return on Equity is 3.2% for FY-2025, which is below its 5-year historical median of 6.3%, indicating the business is making worse use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Kiran Vyapar Ltd?

Kiran Vyapar Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -43.59% for FY-2025, which is below its 5-year median(16.67%), indicating decreasing margins.

Q.5 Net Profit Margin of Kiran Vyapar Ltd?

Kiran Vyapar Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 48.52% for FY-2025, which is below its 5-year median( 62.24%), indicating decreasing margins.

Q.6 Does its ROIC exceed its WACC?

Kiran Vyapar Ltd return on invested capital (ROIC) is 3.49% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

B: Does the bank grow efficiently and manage its operating costs?

Q.7 Total Asset growth of Kiran Vyapar Ltd?

Kiran Vyapar Ltd Total Asset growth is 28.14% for FY-2025, which is above its 5-year CAGR of 18.24%, indicating faster growth.

C: How strong is the bank’s capital position and asset quality?

Q.8 Capital Adequacy ratio of Kiran Vyapar Ltd?

Kiran Vyapar Ltd Capital Adequacy ratio (CAR) is 59.9% for FY-2025, which is above the regulatory requirement of 15%, indicating strong capital position.

Ownership & governance

D: Promoter shareholding and pledge status of Kiran Vyapar Ltd?

Q.1 Promoter shareholding and pledge status of Kiran Vyapar Ltd?

Promoters hold 74.96% of the Kiran Vyapar Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Kiran Vyapar Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Kiran Vyapar Ltd vs Industry Peers?

Kiran Vyapar Ltd AUM CAGR is 18.24%, compared to the 5-year industry median CAGR of 9.71%, indicating faster growth and gaining its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Kiran Vyapar Ltd vs industry peers

Kiran Vyapar Ltd profit metrics are in line with the industry median level of 4.76%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM (%)	48.52	12.87
PPOP (%)	-43.59	-
RoA (%)	2.6	1.4

Q.3 Operating efficiency of Kiran Vyapar Ltd vs industry peers?

Kiran Vyapar Ltd ROCE (7.9) is above the industry median of (4.15); while the current ROE (6.3) are above than the 5-year average Industry ROE (2.3). This shows that the business is positioned in the top quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM (%)	48.52	12.87
PPOP (%)	-43.59	-
RoA (%)	2.6	1.4
ROCE (%)	4.4	4.15
ROE (%)	3.2	2.3

Valuation & price assessment

Q.1 Stock return of Kiran Vyapar Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 9.3% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	9.3%	13.6%	10.9%	-1.4%

Q.2 How do the current valuation ratios compare with 5-year historical median and industry numbers?

Valuation Ratios	Current	5-year Historic Median	5-year Industry Median
Price to Earnings	-	9.65	29.12
Price to Book	0.43	0.46	1.11
Price to Sales	11.23	6.64	9.10
EV to EBITDA	32.47	9.65	11.77

Q.3 Valuation ratios of Kiran Vyapar Ltd vs historical and industry averages?

The current Price-to-Book (P/B) ratio of 0.43 is lower than its historical median of 0.46, indicating that the stock is trading below its historical average valuation.

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Check Before You Invest : Kiran Vyapar Ltd

Snapshot

Performance Analysis

Ownership & governance

Peer comparison (industry-wise, mcap)

Profit Metrics

Operating Efficiency

Valuation & price assessment

Check more companies

Check trending companies

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