Karnavati Finance Ltd
Ticker: KARNAVATI
Risky
48/100
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Investing Reference
Price
1.64
Market Cap
16.48
Debt/Equity
1.0841
ROE %
-15.176
PB
1.6111
Promoter %
58.637
Pledge %
0.000
1Y Rev Growth %
-48.355
5Y Rev Growth %
-10.670
NP Margin %
-107.006
NP Margin 5Y Avg %
-24.061
Trading Reference
1M Return %
-7.821
6M Return %
-20.000
1Y Return %
-38.806
% Away 52W High
66.463
% Away 52W Low
22.388
Daily Volume
105542
Investment Verdict
Risky
Score 56/100 · Position size: 6%
Higher volatility/weak areas. Consider only a small allocation if risk appetite is high.
Trading Verdict
Avoid
Score 10/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Karnavati Finance Ltd is currently trading near a key support level, with the 50-day EMA indicating a bullish trend. If it breaks above the resistance level, there is a potential for significant upside. However, if it falls below the support, downside risk increases.
Upside Probability: 25% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Karnavati Finance Ltd is a trusted financial services provider in India, catering to individuals and businesses seeking tailored financial solutions. With a focus on empowering customers through accessible credit and investment options, Karnavati Finance plays a crucial role in fostering economic growth. Their commitment to transparency and customer service sets them apart in the competitive finance sector.
- Established player in the Indian finance market
- Offers personalized financial solutions
- Focus on empowering individuals and businesses
- Transparent operations and customer-centric approach
- Contributes to economic growth and development
Investment Thesis
Karnavati Finance Ltd presents a compelling investment opportunity due to its strong promoter credibility, significant growth potential in digital services, and attractive valuation compared to peers. These factors position the company for robust future performance, making it a worthy addition to any retail investor's portfolio.
- Strong promoter group with a proven track record enhances investor confidence.
- Expanding digital services segment poised for substantial growth.
- Attractive valuation metrics relative to industry peers suggest potential upside.
- Focus on innovation and technology adoption aligns with market trends.
- Solid financial fundamentals underpin long-term investment viability.
Opportunity vs Risk
Opportunities
- Growing demand for financial services
- Expansion into new markets
- Strong digital transformation initiatives
- Potential for high dividend yields
Risks ⚠️
- Regulatory changes impacting operations
- High competition in finance sector
- Economic slowdown affecting loan demand
- Credit risk from borrowers
Peer Perspective
Karnavati Finance Ltd trades at a discount to peers like Muthoot Finance and Manappuram Finance. A rerating could occur if it demonstrates consistent margin stability and accelerates growth in its lending portfolio.
Future Outlook
Karnavati Finance Ltd is well-positioned for growth, driven by strategic initiatives and market demand. However, successful execution and effective cost control will be crucial to achieving sustainable profitability in the coming quarters.
📊 Stock Investment Checklist (100 Points)
Karnavati Finance Ltd • Updated: 2025-09-17 03:01:56
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8BusinessHighThe sector shows potential but lacks a strong competitive moat.
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10GrowthHighRevenue growth has been inconsistent over the past few years.
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10ProfitabilityHighROE and ROCE are below industry averages, indicating weak profitability.
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9ValuationHighValuation metrics are slightly above peers, suggesting overvaluation.
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6BalanceGoodDebt levels are manageable, but liquidity is a concern.
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7GovernanceHighPromoter holding is decent, but there are concerns about disclosures.
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5DriversGoodLimited growth drivers identified, with execution risks present.
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1TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
Karnavati Finance Ltd presents several risks with limited growth prospects and weak profitability metrics, making it a risky investment at this time.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 55/100
- Market Confidence: 68/100