LKP Finance Ltd - Stock Valuation and Financial Performance

BSE: 507912 | NSE: LKPMERFIN | Finance - Investment | Small Cap

LKP Finance Share Price

204 -1.00 -0.49%
as on 11-Oct'24 14:40

DeciZen - make an informed investing decision on LKP Finance

Overall Rating
M-Cap below 500cr. High Risk from low Liquidity Bole Toh

1. Quality

2. Valuation

Fair

3. Price Trend

KP Finance stock performance -

mw4me loader
P/E Ratio (SA):
4.68
Market Cap:
257.7 Cr.
52-wk low:
88.4
52-wk high:
269

Is LKP Finance Ltd an attractive stock to invest in?

1. Is LKP Finance Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that LKP Finance Ltd is a below average quality company.

2. Is LKP Finance Ltd undervalued or overvalued?

The key valuation ratios of LKP Finance Ltd's currently when compared to its past seem to suggest it is in the Fair zone.

3. Is LKP Finance Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of LKP Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of LKP Finance:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
LKP Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)83.545.441.776.314.519.495.655.52582.683
YoY Gr. Rt. %--45.6%-8.1%82.9%-81%33.8%394%-41.9%-55%230.4%-
Adj EPS (₹ ) 14.57.38.315.915.8-18.148.326.19.743.843.9
YoY Gr. Rt. %--50%13.6%92.1%-0.6%-214.5%NA-46%-62.8%351.6%-
BVPS (₹ )129.6128.5101.7117.2136.5116.4203.1228.9233.4277.9288.3
YoY Gr. Rt. %--0.9%-20.8%15.2%16.5%-14.7%74.5%12.7%2%19.1%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)6.73.248.99.8-11.824.39.43.213.70

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income-0.1%41.7%-4.8%230.4%
Adj EPS13%22.7%-3.2%351.6%
BVPS8.8%15.3%11%19.1%
Share Price 12.8% 23.2% 16.7% 112.2%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Margins
Net Profit Margin (%)21.319.624.125.8137-117.263.559.148.766.766.1
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)11.25.67.214.612.5-14.330.312.14.217.115.2

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 15.50%

Total income growth is good in last 4 quarters

Total Income has declined 30.83 CAGR in last 3 years

Net Profit has declined -3.22 CAGR in last 3 years

Latest Financials - LKP Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 43.9 46.5
TTM Sales (₹ Cr.) 83.4 88.8
BVPS (₹.) 288.3 294.8
Reserves (₹ Cr.) 350 358
P/BV 0.71 0.70
PE 4.68 4.41
From the Market
52 Week Low / High (₹) 88.43 / 269.00
All Time Low / High (₹) 1.00 / 550.00
Market Cap (₹ Cr.) 258
Equity (₹ Cr.) 12.6
Face Value (₹) 10
Industry PE 54.4

Management X-Ray of LKP Finance:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of LKP Finance

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income84474479451997622584
Interest Income83454276141996562583
Other Income 02233001701
Expenditure 61353258184227251116
Interest Expense 1717145223333
Operating Expenses 8713947151157
Provisions 36115441233101245
Exceptional Items 0000000000
Profit Before Tax 2212122126-2370371468
Taxes 53216094113
Profit After Tax 189102020-2361331255
Adjusted EPS (₹)14.57.38.315.915.8-18.148.326.19.743.8
Dividend Payout Ratio (%)83%96%24%13%19%-11%4%11%10%7%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital158157124146172146255288293349
Share Capital 12121212131313131313
Reserves 146145112133159134243275281337
Minority Interest0000000000
Long Term Borrowings0000-7-785410
Current Liabilities 12410811458384255908959
Trade Payables4360120010
Short term borrowings106679556363646828755
Other Liabilities-110-70-101-56-37-38-46-82-88-55
Total Liabilities 283265238203203181318383387419

Assets

Non Current Asset 71799174434295100120123
Loan Asset 0000000000
Other Non Current Asset 71799174434295100120123
Current Asset 211186146129160139223282267296
Current Investment00008555139116123207
Other Current Asset21118614612975848516714389
Total Assets 283265238203203181318383387419

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity -3442-858-2-14-10-161452
Cash Flow From Investing Activity 3018-58-45185-7-22-17
Cash Flow From Financing Activity 10-5016-45-27-4932-1-40
Net Cash Flow 611320-74048-9-5
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)15781616-1848261044
DPS (₹)12722322313
BVPS (₹)130128102117137116203229233278

Performance Ratios

ROA (%)6.73.24.08.99.8-11.824.39.43.213.7
ROE (%)11.25.67.214.612.5-14.330.312.14.217.1
ROCE (%)15.811.712.012.414.0-10.529.912.04.418.1

Valuation Parameters

Price/Book(x)0.70.60.71.20.90.50.40.40.30.6

LKP Finance Ltd Stock News

LKP Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of LKP Finance on 11-Oct-2024 14:40 is ₹204.0.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 11-Oct-2024 14:40 the market cap of LKP Finance stood at ₹257.7.
The latest P/E ratio of LKP Finance as of 11-Oct-2024 14:40 is 4.68.
The latest P/B ratio of LKP Finance as of 11-Oct-2024 14:40 is 0.71.
The 52-week high of LKP Finance is ₹269.0 and the 52-week low is ₹88.43.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of LKP Finance is ₹83.38 ( Cr.) .

About LKP Finance Ltd

LKP Financing originally incorporated as Elkaypee Merchant Financing was promoted by L K Panday and Mahendra V Doshi in 1984 and the certificate of change of name to LKP Merchant Financing was obtained on February 13,1986.

The company’s two wholly-owned subsidiaries LKP Forex and LKP Securities performed commendably during the year. The complete money changing business of the company has been transferred to LKP Forex - the wholly-owned subsidiary company.

Achievements

LKP Forex, a division of the company has entered into a strategic tie-up with the Joint frequent flyer program of Air India and Indian Airlines. LKP Financing Board takes on record MOU and exclusivity agreement entered with Travelex plc. 

Business area of company

The company is in the field of financial Services such as issue management, bill discounting, leasing and hire-purchase, full fledged money changing and has also started providing travel related Insurance Policy to bound passengers, etc. 

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