BSE:511728

Stock Analysis Report

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Executive Summary

K Z Leasing and Finance Limited, a non-banking financial company, provides financial services in India.


Snowflake Analysis

Fair value with acceptable track record.

Share Price & News

How has K Z Leasing and Finance's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: 511728's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

-4.7%

511728

2.7%

IN Consumer Finance

2.4%

IN Market


1 Year Return

-4.7%

511728

1.3%

IN Consumer Finance

5.1%

IN Market

Return vs Industry: 511728 underperformed the Indian Consumer Finance industry which returned 1.3% over the past year.

Return vs Market: 511728 underperformed the Indian Market which returned 5.1% over the past year.


Shareholder returns

511728IndustryMarket
7 Day-4.7%2.7%2.4%
30 Day-9.3%2.9%5.2%
90 Day15.2%40.3%21.1%
1 Year-4.7%-4.7%4.1%1.3%7.0%5.1%
3 Year-32.4%-32.4%42.6%34.0%4.8%-0.2%
5 Year7.4%7.4%180.7%156.3%30.4%20.7%

Price Volatility Vs. Market

How volatile is K Z Leasing and Finance's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is K Z Leasing and Finance undervalued compared to its fair value and its price relative to the market?

6.89x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate 511728's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate 511728's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: 511728 is good value based on its PE Ratio (6.9x) compared to the IN Consumer Finance industry average (11.1x).

PE vs Market: 511728 is good value based on its PE Ratio (6.9x) compared to the Indian market (14.3x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate 511728's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: 511728 is good value based on its PB Ratio (0.2x) compared to the IN Consumer Finance industry average (0.6x).


Next Steps

Future Growth

How is K Z Leasing and Finance forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

31.9%

Forecasted Diversified Financials industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as K Z Leasing and Finance has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has K Z Leasing and Finance performed over the past 5 years?

2.5%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 511728 has high quality earnings.

Growing Profit Margin: 511728 became profitable in the past.


Past Earnings Growth Analysis

Earnings Trend: 511728's earnings have grown by 2.5% per year over the past 5 years.

Accelerating Growth: 511728 has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.

Earnings vs Industry: 511728 has become profitable in the last year, making it difficult to compare its past year earnings growth to the Consumer Finance industry (-3.4%).


Return on Equity

High ROE: 511728's Return on Equity (2.9%) is considered low.


Next Steps

Financial Health

How is K Z Leasing and Finance's financial position?


Financial Position Analysis

Short Term Liabilities: 511728's short term assets (₹106.4M) exceed its short term liabilities (₹59.5M).

Long Term Liabilities: 511728's short term assets (₹106.4M) exceed its long term liabilities (₹11.4M).


Debt to Equity History and Analysis

Debt Level: 511728's debt to equity ratio (32.5%) is considered satisfactory.

Reducing Debt: 511728's debt to equity ratio has increased from 22.9% to 32.5% over the past 5 years.

Debt Coverage: 511728's operating cash flow is negative, therefore debt is not well covered.

Interest Coverage: Insufficient data to determine if 511728's interest payments on its debt are well covered by EBIT.


Balance Sheet


Next Steps

Dividend

What is K Z Leasing and Finance current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate 511728's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate 511728's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if 511728's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if 511728's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of 511728's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

4.8yrs

Average board tenure


CEO

Pravinkumar bhai Patel

no data

Tenure

₹480,000

Compensation

Mr. Pravinkumar bhai Keshavlal Patel serves as Managing Director of KZ Leasing & Finance Limited and has been its Chairman of the Board since January 2010. Mr. Patel serves as an Executive Director of KZ L ...


CEO Compensation Analysis

Compensation vs Market: Pravinkumar bhai's total compensation ($USD6.43K) is below average for companies of similar size in the Indian market ($USD49.39K).

Compensation vs Earnings: Pravinkumar bhai's compensation has been consistent with company performance over the past year.


Board Members

NamePositionTenureCompensationOwnership
Pravinkumar bhai Patel
Chairman & MDno data₹480.00k0.50%
₹ 116.4k
Ankit Pravinkumar Patel
CFO & Executive Director10.58yrs₹480.00k2.53%
₹ 594.2k
Chaitali Bharatkumar Patel
Woman Director5.92yrs₹480.00k0.32%
₹ 74.8k
Babulal Patel
Independent Director3.67yrsno data0.0033%
₹ 771.4
Kantibhai Patel
Independent Director2.42yrsno datano data
Dashrathbhai Patel
Independent Director1.08yrsno datano data

4.8yrs

Average Tenure

66yo

Average Age

Experienced Board: 511728's board of directors are considered experienced (4.8 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: 511728 insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

K Z Leasing and Finance Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: K Z Leasing and Finance Limited
  • Ticker: 511728
  • Exchange: BSE
  • Founded: 1986
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: ₹23.448m
  • Shares outstanding: 3.04m
  • Website: https://www.kzgroup.in

Location

  • K Z Leasing and Finance Limited
  • Deshna Chamber
  • 1st Floor
  • Ahmedabad
  • Gujarat
  • 380014
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
511728BSE (Mumbai Stock Exchange)YesEquity SharesININRJul 2002

Biography

K Z Leasing and Finance Limited, a non-banking financial company, provides financial services in India. It offers MSME finance products; finance products for small and medium enterprises; two, three, and f ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/08/12 12:47
End of Day Share Price2020/08/10 00:00
Earnings2020/06/30
Annual Earnings2020/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.