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Karnavati Finance Ltd
Fundamental Score
Karnavati Finance Ltd Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of KARNAVATI across key market metrics for learning purposes.
Positive Indicators
3 factors identified
Strong Revenue Growth (1992.86%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential. This indicates business expansion success.
Balanced Promoter Holding (58.64%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment while ensuring adequate liquidity.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
11 factors identified
Below-Average Return on Equity (-15.18%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (-2.09%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Profit Decline Concern (-398.84%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes. Monitor for recovery signs and management guidance.
Limited Growth History (-10.67% CAGR)
Observation: Below-average 5-year sales growth trajectory.
Analysis: Low sales CAGR may indicate mature markets or limited growth opportunities. Assess future growth catalysts.
Elevated Debt Levels (D/E: 6.31)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (0.15x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints. Assess capital allocation strategy.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
Very Low ROE
Observation: Poor capital utilization and shareholder returns.
Analysis: ROE below 5% suggests significant inefficiencies in capital deployment.
Small Market Cap
Observation: Higher investment risk due to limited size.
Analysis: Small-cap stocks typically carry higher volatility and liquidity risks.
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Financial Statements
Comprehensive financial data for Karnavati Finance Ltd
About KARNAVATI
Business Overview
Karnavati Finance Limited, a non-banking finance company, engages in the provision of various financial services in India. The company offers personal, business, auto, education, and mortgage loans. It also provides secured and unsecured term loans and loans against property to individual and non-individual customers. The company was formerly known as Karnavati Finance and Leasing Limited and changed its name to Karnavati Finance Limited in December 1989. Karnavati Finance Limited was incorporated in 1984 and is based in Jamnagar, India.
Company Details
Key Leadership
Latest News
KARNAVATI Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Karnavati Finance Ltd (KARNAVATI)?
As of 14 Jan 2026, 11:01 am IST, Karnavati Finance Ltd (KARNAVATI) is currently trading at ₹1.50. The stock has a market capitalization of ₹14.77 (Cr).
Is KARNAVATI share price Overvalued or Undervalued?
KARNAVATI is currently trading at a P/E ratio of 0.00x, compared to the industry average of 22.03x. Based on this relative valuation, the stock appears to be Fairly Valued against its sector peers.
What factors affect the Karnavati Finance Ltd share price?
Key factors influencing KARNAVATI's price include its quarterly earnings growth (Sales Growth: 1992.86%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Karnavati Finance Ltd a good stock for long-term investment?
Karnavati Finance Ltd shows a 5-year Profit Growth of N/A% and an ROE of -15.18%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 6.31 before investing.
How does Karnavati Finance Ltd compare with its industry peers?
Karnavati Finance Ltd competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare KARNAVATI's P/E of 0.00x and ROE of -15.18% against the industry averages to determine its competitive standing.
What is the P/E ratio of KARNAVATI and what does it mean?
KARNAVATI has a P/E ratio of N/Ax compared to the industry average of 22.03x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹N/A for every ₹1 of annual earnings.
How is KARNAVATI performing according to Bull Run's analysis?
KARNAVATI has a Bull Run fundamental score of 14.9/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does KARNAVATI belong to?
KARNAVATI operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting Karnavati Finance Ltd.
What is Return on Equity (ROE) and why is it important for KARNAVATI?
KARNAVATI has an ROE of -15.18%, which suggests challenges in generating returns from shareholders' equity. Return on Equity measures how efficiently Karnavati Finance Ltd generates profits from shareholders' equity.
How is KARNAVATI's debt-to-equity ratio and what does it indicate?
KARNAVATI has a debt-to-equity ratio of 6.31, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is KARNAVATI's dividend yield and is it a good dividend stock?
KARNAVATI offers a dividend yield of 0.00%, which means you receive ₹0.00 annual dividend for every ₹100 invested.
How has KARNAVATI grown over the past 5 years?
KARNAVATI has achieved 5-year growth rates of: Sales Growth -10.67%, Profit Growth N/A%, and EPS Growth N/A%.
What is the promoter holding in KARNAVATI and why does it matter?
Promoters hold 58.64% of KARNAVATI shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is KARNAVATI's market capitalization category?
KARNAVATI has a market capitalization of ₹15 crores, placing it in the Small-cap category.
How volatile is KARNAVATI stock?
KARNAVATI has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for KARNAVATI?
KARNAVATI has a 52-week high of ₹N/A and low of ₹N/A.
What is KARNAVATI's operating profit margin trend?
KARNAVATI has a 5-year average Operating Profit Margin (OPM) of 11.10%, indicating the company's operational efficiency.
How is KARNAVATI's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 1992.86% and YoY Profit Growth of -398.84%.
What is the institutional holding pattern in KARNAVATI?
KARNAVATI has FII holding of 0.00% and DII holding of 0.00%. Significant institutional holding often suggests professional confidence in the stock.