BSE:511728

Stock Analysis Report

Executive Summary

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

Snowflake

Fundamentals

Mediocre balance sheet with moderate growth potential.

Risks

  • K Z Leasing and Finance is not covered by any analysts.

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


Market Performance


7 Day Return

0%

BSE:511728

-3.6%

IN Consumer Finance

-2.1%

IN Market


1 Year Return

-20.1%

BSE:511728

-3.2%

IN Consumer Finance

-14.7%

IN Market

511728 underperformed the Consumer Finance industry which returned -3.1% over the past year.

511728 underperformed the Market in India which returned -14.6% over the past year.


Share holder returns

511728IndustryMarket
7 Day0%-3.6%-2.1%
30 Day-14.1%1.9%-3.9%
90 Day-7.3%-10.2%-10.1%
1 Year-20.1%-20.1%-2.5%-3.2%-12.9%-14.7%
3 Year-19.9%-19.9%59.3%56.0%17.7%11.5%
5 Year99.7%99.7%233.9%218.2%35.4%22.5%

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 based on future cash flows and its price relative to the stock market?

45.24x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for K Z Leasing and Finance to establish if it is available at moderate discount.

Unable to calculate intrinsic value for K Z Leasing and Finance to establish if it is available at substantial discount.


Price Based on Earnings

K Z Leasing and Finance is overvalued based on earnings compared to the IN Consumer Finance industry average.

K Z Leasing and Finance is overvalued based on earnings compared to the India market.


Price Based on Expected Growth

Unable to calculate PEG ratio for K Z Leasing and Finance, we can't assess if its growth is good value.


Price Based on Value of Assets

K Z Leasing and Finance is good value based on assets compared to the IN Consumer Finance industry average.


Next Steps

Future Growth

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

32.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if K Z Leasing and Finance is high growth as no revenue estimate data is available.

K Z Leasing and Finance's earnings are expected to grow significantly at over 20% yearly.

Unable to compare K Z Leasing and Finance's revenue growth to the India market average as no estimate data is available.

K Z Leasing and Finance's earnings growth is expected to exceed the India market average.

K Z Leasing and Finance's earnings growth is expected to exceed the low risk savings rate of 7.6%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if K Z Leasing and Finance will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

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

-29.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

K Z Leasing and Finance's year on year earnings growth rate was negative over the past 5 years and the most recent earnings are below average.

K Z Leasing and Finance's 1-year earnings growth is negative, it can't be compared to the 5-year average.

K Z Leasing and Finance's 1-year earnings growth is negative, it can't be compared to the IN Consumer Finance industry average.


Return on Equity

K Z Leasing and Finance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

K Z Leasing and Finance used its assets less efficiently than the IN Consumer Finance industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if K Z Leasing and Finance improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

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


Financial Position Analysis

K Z Leasing and Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.

K Z Leasing and Finance's cash and other short term assets cover its long term commitments.


Debt to Equity History and Analysis

K Z Leasing and Finance's level of debt (36%) compared to net worth is satisfactory (less than 40%).

The level of debt compared to net worth has increased over the past 5 years (3.6% vs 36% today).

Operating cash flow is negative therefore debt is not well covered.

Unable to confirm if the interest payments on K Z Leasing and Finance's debt are well covered by earnings due to lack of past financial data.


Balance Sheet

Low level of unsold assets.

Debt is covered by short term assets, assets are 3.2x debt.


Next Steps

Dividend

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


Dividend Yield and Payments Analysis

Unable to evaluate K Z Leasing and Finance's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate K Z Leasing and Finance's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as K Z Leasing and Finance has not reported any payouts.

Unable to verify if K Z Leasing and Finance's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as K Z Leasing and Finance has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of K Z Leasing and Finance's salary, the management and board of directors tenure and is there insider trading?

3.8yrs

Average board tenure


CEO

Pravinkumar bhai Patel 0

0.0yrs

Tenure

₹469,200

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

Pravinkumar bhai's remuneration is lower than average for companies of similar size in India.

Pravinkumar bhai's compensation has been consistent with company performance over the past year, both up more than 20%.


Board Age and Tenure

3.8yrs

Average Tenure

65yo

Average Age

The tenure for the K Z Leasing and Finance board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Recent Insider Transactions

Buy₹48,31920 Mar 19
Ankit Patel
EntityIndividual
Role
Member of the Board of Directors
CFO & Executive Director
Shares5,000
Max Price₹9.66
Buy₹31,96311 Mar 19
Ankit Patel
EntityIndividual
Role
Member of the Board of Directors
CFO & Executive Director
Shares3,149
Max Price₹10.17
Buy₹5,44504 Mar 19
Ankit Patel
EntityIndividual
Role
Member of the Board of Directors
CFO & Executive Director
Shares560
Max Price₹9.72
Buy₹9,31402 Mar 19
Ankit Patel
EntityIndividual
Role
Member of the Board of Directors
CFO & Executive Director
Shares890
Max Price₹10.77
Buy₹5,97006 Feb 19
Ankit Patel
EntityIndividual
Role
Member of the Board of Directors
CFO & Executive Director
Shares500
Max Price₹11.94
Buy₹125,90410 Jan 19
Ankit Patel
EntityIndividual
Role
Member of the Board of Directors
CFO & Executive Director
Shares10,000
Max Price₹12.59
Buy₹153,96503 Jan 19
Ankit Patel
EntityIndividual
Role
Member of the Board of Directors
CFO & Executive Director
Shares11,500
Max Price₹14.77
Buy₹15,79529 Oct 18
Ankit Patel
EntityIndividual
Role
Member of the Board of Directors
CFO & Executive Director
Shares1,397
Max Price₹12.53
Buy₹9,10408 Oct 18
Ankit Patel
EntityIndividual
Role
Member of the Board of Directors
CFO & Executive Director
Shares742
Max Price₹12.53
Buy₹6,63303 Oct 18
Ankit Patel
EntityIndividual
Role
Member of the Board of Directors
CFO & Executive Director
Shares655
Max Price₹10.13

Ownership Breakdown


Management Team

  • Pravinkumar bhai Patel

    Chairman & MD

    • Tenure: 0.0yrs
    • Compensation: ₹469.20k
  • Ankit Patel

    CFO & Executive Director

    • Tenure: 9.6yrs
    • Compensation: ₹499.20k
  • Kailashben Patel

    Executive Officer

    • Tenure: 0.0yrs
  • Hinal Shah

    Company Secretary & Compliance Officer

    • Tenure: 0.0yrs
    • Compensation: ₹236.20k

Board Members

  • Pravinkumar bhai Patel

    Chairman & MD

    • Tenure: 0.0yrs
    • Compensation: ₹469.20k
  • Ankit Patel

    CFO & Executive Director

    • Tenure: 9.6yrs
    • Compensation: ₹499.20k
  • Chaitali Bharatkumar Patel

    Woman Director

    • Tenure: 4.9yrs
    • Compensation: ₹469.20k
  • Babulal Patel (62yo)

    Independent Director

    • Tenure: 2.7yrs
  • Kantibhai Patel (65yo)

    Independent Director

    • Tenure: 1.4yrs
  • Dashrathbhai Patel (70yo)

    Independent Director

    • Tenure: 0.1yrs

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: ₹23.387m
  • 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 Analysis2019/08/24 12:36
End of Day Share Price2019/08/16 00:00
Earnings2019/03/31
Annual Earnings2019/03/31


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.