Share Price and Basic Stock Data
Last Updated: January 31, 2026, 10:27 pm
| PEG Ratio | -26.76 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Finkurve Financial Services Ltd operates within the Non-Banking Financial Company (NBFC) sector, where it has shown a remarkable growth trajectory. The company’s sales have surged from ₹44 Cr in the fiscal year ending March 2022 to ₹50 Cr in March 2023, and are projected to reach ₹140 Cr by March 2025, demonstrating a robust annual growth rate. In the latest quarterly results for September 2023, Finkurve recorded sales of ₹23.06 Cr, marking a year-on-year increase of approximately 114% from ₹10.78 Cr in September 2022. This upward trend is indicative of the company’s expanding market presence and effective business strategies. The operating profit margin (OPM) stood at 34.15%, reflecting healthy operational efficiency. The company’s ability to manage expenses effectively, which rose from ₹3.08 Cr in September 2022 to ₹16.30 Cr in September 2023, is a testament to its operational prowess in the face of increasing revenue.
Profitability and Efficiency Metrics
Finkurve’s profitability metrics reveal a strong financial performance, with a net profit of ₹21 Cr reported for the fiscal year ending March 2023, up from ₹14 Cr in the previous year. The net profit margin has also improved significantly, standing at 34.89% for March 2022, before slightly declining to 27.86% in March 2025. The interest coverage ratio (ICR) reported at 8.50x indicates a solid ability to meet interest obligations, highlighting the company’s effective debt management. Moreover, the return on equity (ROE) is recorded at 8.81%, while the return on capital employed (ROCE) stands at 11.4%, both of which are critical indicators of how well the company utilizes its capital to generate profits. However, the high price-to-earnings (P/E) ratio of 57.2 suggests that the market has high expectations for future earnings, which may not align with the current profitability levels, presenting a potential risk for investors.
Balance Sheet Strength and Financial Ratios
Finkurve’s balance sheet reflects a growing asset base, with total assets reported at ₹741 Cr as of September 2025, up from ₹186 Cr in March 2022. The company’s borrowings have increased significantly from ₹24 Cr in March 2022 to ₹382 Cr in September 2025, indicating a strategic approach to leverage for growth. Reserves also saw a substantial rise, recorded at ₹315 Cr as of September 2025, up from ₹145 Cr in March 2022, showcasing the company’s ability to retain earnings for future expansion. The price-to-book value (P/BV) ratio at 4.87x suggests that the stock is trading at a premium relative to its book value, which could indicate overvaluation risks. Furthermore, the current ratio of 6.69x provides a strong liquidity position, ensuring that the company can meet its short-term obligations effectively. These financial ratios point to a well-managed balance sheet, although the rising debt levels warrant close monitoring.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Finkurve Financial Services Ltd reflects a stable investor confidence, with promoters holding 56.26% of the shares as of September 2025, a slight decrease from 62.07% in March 2025. The Foreign Institutional Investors (FIIs) stake increased to 6.71%, indicating growing interest from institutional investors. The public shareholding, which stood at 37.04%, shows a healthy diversification among retail investors, with the total number of shareholders rising to 2,788. This increasing participation from diverse investor groups can enhance liquidity and stability in the stock price. However, the fluctuating promoter shareholding may raise concerns about potential dilution of control. Overall, the current shareholding structure could be seen as a positive aspect, fostering confidence among both retail and institutional investors.
Outlook, Risks, and Final Insight
The outlook for Finkurve Financial Services Ltd appears optimistic, driven by strong revenue growth and improving profitability metrics. However, several risks must be considered. The increasing levels of debt present a challenge, particularly if interest rates rise or if the company faces operational difficulties. Moreover, the high P/E ratio could indicate potential overvaluation, which may deter new investors if earnings growth does not meet market expectations. Additionally, fluctuations in promoter shareholding could impact investor sentiment. Nevertheless, Finkurve’s strong liquidity position, evidenced by a current ratio of 6.69x, mitigates some immediate financial risks. Overall, while the company stands to benefit from a favorable market environment, maintaining operational efficiency and managing debt will be crucial to sustaining growth and shareholder value in the coming years.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 15.3 Cr. | 1.53 | 1.72/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 6.93 Cr. | 0.69 | 5.82/0.62 | 20.4 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 327 Cr. | 50.0 | 125/44.0 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 13.9 Cr. | 15.1 | 25.5/15.0 | 11.4 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 27.1 Cr. | 60.2 | 146/59.7 | 14.6 | 238 | 1.66 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 27,605.10 Cr | 387.23 | 50.46 | 514.98 | 0.24% | 15.81% | 8.84% | 8.50 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 10.78 | 14.06 | 17.29 | 19.99 | 23.06 | 23.64 | 23.35 | 28.43 | 31.90 | 39.87 | 40.28 | 39.88 | 48.05 |
| Expenses | 3.08 | 6.84 | 12.16 | 15.75 | 16.30 | 15.31 | 15.04 | 20.04 | 23.41 | 27.54 | 29.06 | 25.38 | 31.64 |
| Operating Profit | 7.70 | 7.22 | 5.13 | 4.24 | 6.76 | 8.33 | 8.31 | 8.39 | 8.49 | 12.33 | 11.22 | 14.50 | 16.41 |
| OPM % | 71.43% | 51.35% | 29.67% | 21.21% | 29.31% | 35.24% | 35.59% | 29.51% | 26.61% | 30.93% | 27.86% | 36.36% | 34.15% |
| Other Income | 0.13 | 0.00 | 0.06 | 0.04 | 0.04 | 0.07 | 0.08 | 0.08 | 0.23 | 0.13 | 0.14 | 0.16 | 0.09 |
| Interest | 1.22 | 1.46 | 1.49 | 1.57 | 1.17 | 1.65 | 1.78 | 2.49 | 3.90 | 4.33 | 5.62 | 7.08 | 8.36 |
| Depreciation | 0.07 | 0.13 | 0.16 | 0.12 | 0.12 | 0.12 | 0.12 | 0.08 | 0.16 | 0.32 | 0.50 | 0.75 | 0.75 |
| Profit before tax | 6.54 | 5.63 | 3.54 | 2.59 | 5.51 | 6.63 | 6.49 | 5.90 | 4.66 | 7.81 | 5.24 | 6.83 | 7.39 |
| Tax % | 26.45% | 22.38% | 36.16% | 26.25% | 20.87% | 25.79% | 24.65% | 25.59% | 25.54% | 27.91% | 25.38% | 25.48% | 19.89% |
| Net Profit | 4.80 | 4.37 | 2.26 | 1.90 | 4.36 | 4.91 | 4.89 | 4.39 | 3.47 | 5.64 | 3.91 | 5.09 | 5.92 |
| EPS in Rs | 0.38 | 0.34 | 0.18 | 0.15 | 0.34 | 0.39 | 0.39 | 0.35 | 0.27 | 0.44 | 0.31 | 0.36 | 0.42 |
Last Updated: December 27, 2025, 12:04 am
Below is a detailed analysis of the quarterly data for Finkurve Financial Services Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Sales, as of Sep 2025, the value is 48.05 Cr.. The value appears strong and on an upward trend. It has increased from 39.88 Cr. (Jun 2025) to 48.05 Cr., marking an increase of 8.17 Cr..
- For Expenses, as of Sep 2025, the value is 31.64 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 25.38 Cr. (Jun 2025) to 31.64 Cr., marking an increase of 6.26 Cr..
- For Operating Profit, as of Sep 2025, the value is 16.41 Cr.. The value appears strong and on an upward trend. It has increased from 14.50 Cr. (Jun 2025) to 16.41 Cr., marking an increase of 1.91 Cr..
- For OPM %, as of Sep 2025, the value is 34.15%. The value appears to be declining and may need further review. It has decreased from 36.36% (Jun 2025) to 34.15%, marking a decrease of 2.21%.
- For Other Income, as of Sep 2025, the value is 0.09 Cr.. The value appears to be declining and may need further review. It has decreased from 0.16 Cr. (Jun 2025) to 0.09 Cr., marking a decrease of 0.07 Cr..
- For Interest, as of Sep 2025, the value is 8.36 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 7.08 Cr. (Jun 2025) to 8.36 Cr., marking an increase of 1.28 Cr..
- For Depreciation, as of Sep 2025, the value is 0.75 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.75 Cr..
- For Profit before tax, as of Sep 2025, the value is 7.39 Cr.. The value appears strong and on an upward trend. It has increased from 6.83 Cr. (Jun 2025) to 7.39 Cr., marking an increase of 0.56 Cr..
- For Tax %, as of Sep 2025, the value is 19.89%. The value appears to be improving (decreasing) as expected. It has decreased from 25.48% (Jun 2025) to 19.89%, marking a decrease of 5.59%.
- For Net Profit, as of Sep 2025, the value is 5.92 Cr.. The value appears strong and on an upward trend. It has increased from 5.09 Cr. (Jun 2025) to 5.92 Cr., marking an increase of 0.83 Cr..
- For EPS in Rs, as of Sep 2025, the value is 0.42. The value appears strong and on an upward trend. It has increased from 0.36 (Jun 2025) to 0.42, marking an increase of 0.06.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 3:44 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 0 | 2 | 9 | 10 | 12 | 15 | 16 | 20 | 44 | 50 | 90 | 140 | 168 |
| Expenses | 0 | 0 | 0 | 0 | 2 | 2 | 3 | 7 | 13 | 26 | 62 | 100 | 114 |
| Operating Profit | -0 | 2 | 9 | 10 | 11 | 13 | 13 | 13 | 31 | 25 | 28 | 40 | 54 |
| OPM % | -3% | 89% | 97% | 95% | 87% | 85% | 82% | 64% | 70% | 49% | 31% | 29% | 32% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 |
| Interest | 0 | 2 | 8 | 9 | 8 | 12 | 8 | 7 | 3 | 5 | 6 | 16 | 25 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 |
| Profit before tax | -0 | 0 | 1 | 1 | 3 | 1 | 5 | 6 | 27 | 20 | 21 | 24 | 27 |
| Tax % | -27% | 18% | 30% | 32% | 32% | 33% | 25% | 26% | 20% | 27% | 24% | 26% | |
| Net Profit | -0 | 0 | 1 | 1 | 2 | 1 | 4 | 5 | 22 | 14 | 16 | 17 | 21 |
| EPS in Rs | -0.03 | 0.01 | 0.05 | 0.06 | 0.19 | 0.08 | 0.32 | 0.36 | 1.70 | 1.13 | 1.27 | 1.37 | 1.53 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
YoY Net Profit Growth
| Year | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 0.00% | 100.00% | -50.00% | 300.00% | 25.00% | 340.00% | -36.36% | 14.29% | 6.25% |
| Change in YoY Net Profit Growth (%) | 0.00% | 100.00% | -150.00% | 350.00% | -275.00% | 315.00% | -376.36% | 50.65% | -8.04% |
Finkurve Financial Services Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 9 years from 2016-2017 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 53% |
| 5 Years: | 54% |
| 3 Years: | 48% |
| TTM: | 54% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 62% |
| 5 Years: | 34% |
| 3 Years: | 53% |
| TTM: | -2% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 23% |
| 5 Years: | 18% |
| 3 Years: | 26% |
| 1 Year: | -19% |
| Return on Equity | |
|---|---|
| 10 Years: | 7% |
| 5 Years: | 7% |
| 3 Years: | 9% |
| Last Year: | 9% |
Last Updated: September 5, 2025, 3:30 pm
Balance Sheet
Last Updated: February 1, 2026, 2:48 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 10 | 10 | 10 | 10 | 10 | 10 | 13 | 13 | 13 | 13 | 13 | 13 | 14 |
| Reserves | 1 | 1 | 1 | 2 | 4 | 4 | 119 | 123 | 145 | 160 | 176 | 194 | 315 |
| Borrowing | 4 | 30 | 72 | 75 | 110 | 93 | 73 | 76 | 24 | 52 | 75 | 241 | 382 |
| Other Liabilities | 0 | 0 | 1 | 7 | 3 | 0 | 1 | 3 | 4 | 10 | 20 | 29 | 31 |
| Total Liabilities | 14 | 41 | 83 | 93 | 127 | 107 | 206 | 215 | 186 | 235 | 284 | 477 | 741 |
| Fixed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 8 | 11 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 8 | 9 |
| Investments | 10 | 10 | 10 | 10 | 10 | 10 | 11 | 13 | 5 | 4 | 3 | 5 | 5 |
| Other Assets | 4 | 31 | 73 | 83 | 117 | 97 | 195 | 202 | 180 | 229 | 279 | 456 | 716 |
| Total Assets | 14 | 41 | 83 | 93 | 127 | 107 | 206 | 215 | 186 | 235 | 284 | 477 | 741 |
Below is a detailed analysis of the balance sheet data for Finkurve Financial Services Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 14.00 Cr.. The value appears strong and on an upward trend. It has increased from 13.00 Cr. (Mar 2025) to 14.00 Cr., marking an increase of 1.00 Cr..
- For Reserves, as of Sep 2025, the value is 315.00 Cr.. The value appears strong and on an upward trend. It has increased from 194.00 Cr. (Mar 2025) to 315.00 Cr., marking an increase of 121.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 31.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 29.00 Cr. (Mar 2025) to 31.00 Cr., marking an increase of 2.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 741.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 477.00 Cr. (Mar 2025) to 741.00 Cr., marking an increase of 264.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 11.00 Cr.. The value appears strong and on an upward trend. It has increased from 8.00 Cr. (Mar 2025) to 11.00 Cr., marking an increase of 3.00 Cr..
- For CWIP, as of Sep 2025, the value is 9.00 Cr.. The value appears strong and on an upward trend. It has increased from 8.00 Cr. (Mar 2025) to 9.00 Cr., marking an increase of 1.00 Cr..
- For Investments, as of Sep 2025, the value is 5.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 5.00 Cr..
- For Other Assets, as of Sep 2025, the value is 716.00 Cr.. The value appears strong and on an upward trend. It has increased from 456.00 Cr. (Mar 2025) to 716.00 Cr., marking an increase of 260.00 Cr..
- For Total Assets, as of Sep 2025, the value is 741.00 Cr.. The value appears strong and on an upward trend. It has increased from 477.00 Cr. (Mar 2025) to 741.00 Cr., marking an increase of 264.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -4.00 | -28.00 | -63.00 | -65.00 | -99.00 | -80.00 | -60.00 | -63.00 | 7.00 | -27.00 | -47.00 | -201.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 0 | 0 | 1 | 0 | 0 | 0 | 11 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | ||||||||||||
| Days Payable | ||||||||||||
| Cash Conversion Cycle | 0 | 0 | 1 | 0 | 0 | 0 | 11 | 0 | 0 | 0 | 0 | 0 |
| Working Capital Days | 4,270 | 636 | 2,646 | 2,401 | 461 | 20 | -247 | -25 | -22 | -50 | -29 | -38 |
| ROCE % | -0% | 6% | 15% | 12% | 10% | 11% | 9% | 6% | 5% | 12% | 11% | 11% |
This stock is not held by any mutual fund.
Key Financial Ratios
| Month | Mar 22 | Mar 21 | Mar 20 | Mar 19 | Mar 18 |
|---|---|---|---|---|---|
| FaceValue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Basic EPS (Rs.) | 1.55 | 0.36 | 0.36 | 0.09 | 0.20 |
| Diluted EPS (Rs.) | 1.55 | 0.36 | 0.36 | 0.09 | 0.20 |
| Cash EPS (Rs.) | 1.61 | 0.43 | 0.35 | 0.10 | 0.16 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 12.46 | 11.04 | 10.68 | 1.93 | 1.84 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 12.46 | 11.04 | 10.68 | 1.93 | 1.84 |
| Revenue From Operations / Share (Rs.) | 4.46 | 2.21 | 1.94 | 42.82 | 30.90 |
| PBDIT / Share (Rs.) | 2.29 | 1.13 | 1.10 | 1.36 | 1.09 |
| PBIT / Share (Rs.) | 2.23 | 1.06 | 1.06 | 1.34 | 1.08 |
| PBT / Share (Rs.) | 1.96 | 0.50 | 0.41 | 0.13 | 0.24 |
| Net Profit / Share (Rs.) | 1.56 | 0.36 | 0.31 | 0.09 | 0.15 |
| NP After MI And SOA / Share (Rs.) | 1.55 | 0.36 | 0.31 | 0.08 | 0.20 |
| PBDIT Margin (%) | 51.33 | 51.04 | 56.73 | 3.16 | 3.53 |
| PBIT Margin (%) | 50.02 | 47.98 | 54.62 | 3.12 | 3.49 |
| PBT Margin (%) | 43.98 | 22.88 | 21.40 | 0.31 | 0.79 |
| Net Profit Margin (%) | 34.89 | 16.51 | 16.31 | 0.21 | 0.51 |
| NP After MI And SOA Margin (%) | 34.87 | 16.35 | 16.49 | 0.20 | 0.66 |
| Return on Networth / Equity (%) | 12.47 | 3.32 | 3.04 | 5.27 | 12.70 |
| Return on Capital Employeed (%) | 17.81 | 9.24 | 9.60 | 55.98 | 34.86 |
| Return On Assets (%) | 10.59 | 2.04 | 1.88 | 0.75 | 1.48 |
| Long Term Debt / Equity (X) | 0.00 | 0.00 | 0.00 | 0.27 | 0.75 |
| Total Debt / Equity (X) | 0.14 | 0.55 | 0.55 | 5.70 | 7.14 |
| Asset Turnover Ratio (%) | 0.21 | 0.09 | 0.10 | 0.12 | 0.11 |
| Current Ratio (X) | 6.69 | 2.79 | 2.82 | 1.20 | 1.24 |
| Quick Ratio (X) | 6.69 | 2.79 | 2.82 | 1.16 | 1.20 |
| Interest Coverage Ratio (X) | 8.50 | 2.03 | 1.71 | 1.13 | 1.31 |
| Interest Coverage Ratio (Post Tax) (X) | 6.78 | 1.66 | 1.49 | 1.08 | 1.19 |
| Enterprise Value (Cr.) | 791.08 | 620.63 | 633.72 | 457.66 | 604.88 |
| EV / Net Operating Revenue (X) | 13.99 | 22.16 | 25.76 | 1.11 | 2.03 |
| EV / EBITDA (X) | 27.25 | 43.41 | 45.41 | 34.95 | 57.31 |
| MarketCap / Net Operating Revenue (X) | 13.62 | 19.88 | 23.21 | 0.88 | 1.66 |
| Price / BV (X) | 4.87 | 4.04 | 4.28 | 22.36 | 31.91 |
| Price / Net Operating Revenue (X) | 13.62 | 19.88 | 23.21 | 0.88 | 1.66 |
| EarningsYield | 0.02 | 0.01 | 0.01 | 0.00 | 0.00 |
After reviewing the key financial ratios for Finkurve Financial Services Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 22, the value is 1.00. This value is within the healthy range. There is no change compared to the previous period (Mar 21) which recorded 1.00.
- For Basic EPS (Rs.), as of Mar 22, the value is 1.55. This value is below the healthy minimum of 5. It has increased from 0.36 (Mar 21) to 1.55, marking an increase of 1.19.
- For Diluted EPS (Rs.), as of Mar 22, the value is 1.55. This value is below the healthy minimum of 5. It has increased from 0.36 (Mar 21) to 1.55, marking an increase of 1.19.
- For Cash EPS (Rs.), as of Mar 22, the value is 1.61. This value is below the healthy minimum of 3. It has increased from 0.43 (Mar 21) to 1.61, marking an increase of 1.18.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 22, the value is 12.46. It has increased from 11.04 (Mar 21) to 12.46, marking an increase of 1.42.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 22, the value is 12.46. It has increased from 11.04 (Mar 21) to 12.46, marking an increase of 1.42.
- For Revenue From Operations / Share (Rs.), as of Mar 22, the value is 4.46. It has increased from 2.21 (Mar 21) to 4.46, marking an increase of 2.25.
- For PBDIT / Share (Rs.), as of Mar 22, the value is 2.29. This value is within the healthy range. It has increased from 1.13 (Mar 21) to 2.29, marking an increase of 1.16.
- For PBIT / Share (Rs.), as of Mar 22, the value is 2.23. This value is within the healthy range. It has increased from 1.06 (Mar 21) to 2.23, marking an increase of 1.17.
- For PBT / Share (Rs.), as of Mar 22, the value is 1.96. This value is within the healthy range. It has increased from 0.50 (Mar 21) to 1.96, marking an increase of 1.46.
- For Net Profit / Share (Rs.), as of Mar 22, the value is 1.56. This value is below the healthy minimum of 2. It has increased from 0.36 (Mar 21) to 1.56, marking an increase of 1.20.
- For NP After MI And SOA / Share (Rs.), as of Mar 22, the value is 1.55. This value is below the healthy minimum of 2. It has increased from 0.36 (Mar 21) to 1.55, marking an increase of 1.19.
- For PBDIT Margin (%), as of Mar 22, the value is 51.33. This value is within the healthy range. It has increased from 51.04 (Mar 21) to 51.33, marking an increase of 0.29.
- For PBIT Margin (%), as of Mar 22, the value is 50.02. This value exceeds the healthy maximum of 20. It has increased from 47.98 (Mar 21) to 50.02, marking an increase of 2.04.
- For PBT Margin (%), as of Mar 22, the value is 43.98. This value is within the healthy range. It has increased from 22.88 (Mar 21) to 43.98, marking an increase of 21.10.
- For Net Profit Margin (%), as of Mar 22, the value is 34.89. This value exceeds the healthy maximum of 10. It has increased from 16.51 (Mar 21) to 34.89, marking an increase of 18.38.
- For NP After MI And SOA Margin (%), as of Mar 22, the value is 34.87. This value exceeds the healthy maximum of 20. It has increased from 16.35 (Mar 21) to 34.87, marking an increase of 18.52.
- For Return on Networth / Equity (%), as of Mar 22, the value is 12.47. This value is below the healthy minimum of 15. It has increased from 3.32 (Mar 21) to 12.47, marking an increase of 9.15.
- For Return on Capital Employeed (%), as of Mar 22, the value is 17.81. This value is within the healthy range. It has increased from 9.24 (Mar 21) to 17.81, marking an increase of 8.57.
- For Return On Assets (%), as of Mar 22, the value is 10.59. This value is within the healthy range. It has increased from 2.04 (Mar 21) to 10.59, marking an increase of 8.55.
- For Long Term Debt / Equity (X), as of Mar 22, the value is 0.00. This value is below the healthy minimum of 0.2. There is no change compared to the previous period (Mar 21) which recorded 0.00.
- For Total Debt / Equity (X), as of Mar 22, the value is 0.14. This value is within the healthy range. It has decreased from 0.55 (Mar 21) to 0.14, marking a decrease of 0.41.
- For Asset Turnover Ratio (%), as of Mar 22, the value is 0.21. It has increased from 0.09 (Mar 21) to 0.21, marking an increase of 0.12.
- For Current Ratio (X), as of Mar 22, the value is 6.69. This value exceeds the healthy maximum of 3. It has increased from 2.79 (Mar 21) to 6.69, marking an increase of 3.90.
- For Quick Ratio (X), as of Mar 22, the value is 6.69. This value exceeds the healthy maximum of 2. It has increased from 2.79 (Mar 21) to 6.69, marking an increase of 3.90.
- For Interest Coverage Ratio (X), as of Mar 22, the value is 8.50. This value is within the healthy range. It has increased from 2.03 (Mar 21) to 8.50, marking an increase of 6.47.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 22, the value is 6.78. This value is within the healthy range. It has increased from 1.66 (Mar 21) to 6.78, marking an increase of 5.12.
- For Enterprise Value (Cr.), as of Mar 22, the value is 791.08. It has increased from 620.63 (Mar 21) to 791.08, marking an increase of 170.45.
- For EV / Net Operating Revenue (X), as of Mar 22, the value is 13.99. This value exceeds the healthy maximum of 3. It has decreased from 22.16 (Mar 21) to 13.99, marking a decrease of 8.17.
- For EV / EBITDA (X), as of Mar 22, the value is 27.25. This value exceeds the healthy maximum of 15. It has decreased from 43.41 (Mar 21) to 27.25, marking a decrease of 16.16.
- For MarketCap / Net Operating Revenue (X), as of Mar 22, the value is 13.62. This value exceeds the healthy maximum of 3. It has decreased from 19.88 (Mar 21) to 13.62, marking a decrease of 6.26.
- For Price / BV (X), as of Mar 22, the value is 4.87. This value exceeds the healthy maximum of 3. It has increased from 4.04 (Mar 21) to 4.87, marking an increase of 0.83.
- For Price / Net Operating Revenue (X), as of Mar 22, the value is 13.62. This value exceeds the healthy maximum of 3. It has decreased from 19.88 (Mar 21) to 13.62, marking a decrease of 6.26.
- For EarningsYield, as of Mar 22, the value is 0.02. This value is below the healthy minimum of 5. It has increased from 0.01 (Mar 21) to 0.02, marking an increase of 0.01.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
| Strength | Weakness |
|---|---|
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Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Finkurve Financial Services Ltd:
- Net Profit Margin: 34.89%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 17.81% (Industry Average ROCE: 15.81%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 12.47% (Industry Average ROE: 8.84%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 6.78
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 6.69
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 55.8 (Industry average Stock P/E: 50.46)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0.14
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 34.89%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | 202/A, 2nd Floor, Trade World, D-Wing , Mumbai Maharashtra 400013 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Ketan Kothari | Chairman |
| Mr. Priyank Kothari | Non Executive Director |
| Mr. Nishant Ranka | Independent Director |
| Mrs. Aastha Vishal Solanki | Independent Director |
| Mr. Himadri Bhattacharya | Independent Director |
| Mr. Raghupathi Narayanarao Cavale | Independent Director |
FAQ
What is the intrinsic value of Finkurve Financial Services Ltd?
Finkurve Financial Services Ltd's intrinsic value (as of 01 February 2026) is ₹92.30 which is 12.56% higher the current market price of ₹82.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹1,148 Cr. market cap, FY2025-2026 high/low of ₹154/76.0, reserves of ₹315 Cr, and liabilities of ₹741 Cr.
What is the Market Cap of Finkurve Financial Services Ltd?
The Market Cap of Finkurve Financial Services Ltd is 1,148 Cr..
What is the current Stock Price of Finkurve Financial Services Ltd as on 01 February 2026?
The current stock price of Finkurve Financial Services Ltd as on 01 February 2026 is ₹82.0.
What is the High / Low of Finkurve Financial Services Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Finkurve Financial Services Ltd stocks is ₹154/76.0.
What is the Stock P/E of Finkurve Financial Services Ltd?
The Stock P/E of Finkurve Financial Services Ltd is 55.8.
What is the Book Value of Finkurve Financial Services Ltd?
The Book Value of Finkurve Financial Services Ltd is 23.5.
What is the Dividend Yield of Finkurve Financial Services Ltd?
The Dividend Yield of Finkurve Financial Services Ltd is 0.00 %.
What is the ROCE of Finkurve Financial Services Ltd?
The ROCE of Finkurve Financial Services Ltd is 11.4 %.
What is the ROE of Finkurve Financial Services Ltd?
The ROE of Finkurve Financial Services Ltd is 8.81 %.
What is the Face Value of Finkurve Financial Services Ltd?
The Face Value of Finkurve Financial Services Ltd is 1.00.