Finkurve Financial Services Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: August 21, 2025, 11:46 pm

Quick Insight

Finkurve Financial Services Ltd, a Non-Banking Financial Company (NBFC), currently trades at a price of 107 with a market capitalization of 1,500 Cr. The company's P/E ratio stands at 86.1, indicating a high valuation compared to its earnings. However, its ROE and ROCE at 8.81% and 11.2% respectively suggest moderate profitability and efficiency. With OPM at 27.86%, Finkurve needs to focus on improving operational efficiency. The firm's borrowings of ₹241Cr and P/BV ratio of 4.87x indicate a reliance on debt financing. Investors should closely monitor the company's ability to service its debt, as reflected in the ICR of 8.50x. In conclusion, while Finkurve shows potential, investors should be cautious of its high valuation and debt levels.

Competitors of Finkurve Financial Services Ltd

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Quarterly Result

Last Updated: August 19, 2025, 6:50 pm

Below is a detailed analysis of the quarterly data for Finkurve Financial Services Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:

• For Sales, as of Jun 2025, the value is 39.88 Cr.. The value appears to be declining and may need further review. It has decreased from 40.28 Cr. (Mar 2025) to 39.88 Cr., marking a decrease of 0.40 Cr..
• For Expenses, as of Jun 2025, the value is 25.38 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 29.06 Cr. (Mar 2025) to 25.38 Cr., marking a decrease of 3.68 Cr..
• For Operating Profit, as of Jun 2025, the value is 14.50 Cr.. The value appears strong and on an upward trend. It has increased from 11.22 Cr. (Mar 2025) to 14.50 Cr., marking an increase of 3.28 Cr..
• For OPM %, as of Jun 2025, the value is 36.36%. The value appears strong and on an upward trend. It has increased from 27.86% (Mar 2025) to 36.36%, marking an increase of 8.50%.
• For Other Income, as of Jun 2025, the value is 0.16 Cr.. The value appears strong and on an upward trend. It has increased from 0.14 Cr. (Mar 2025) to 0.16 Cr., marking an increase of 0.02 Cr..
• For Interest, as of Jun 2025, the value is 7.08 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 5.62 Cr. (Mar 2025) to 7.08 Cr., marking an increase of 1.46 Cr..
• For Depreciation, as of Jun 2025, the value is 0.75 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.50 Cr. (Mar 2025) to 0.75 Cr., marking an increase of 0.25 Cr..
• For Profit before tax, as of Jun 2025, the value is 6.83 Cr.. The value appears strong and on an upward trend. It has increased from 5.24 Cr. (Mar 2025) to 6.83 Cr., marking an increase of 1.59 Cr..
• For Tax %, as of Jun 2025, the value is 25.48%. The value appears to be increasing, which may not be favorable. It has increased from 25.38% (Mar 2025) to 25.48%, marking an increase of 0.10%.
• For Net Profit, as of Jun 2025, the value is 5.09 Cr.. The value appears strong and on an upward trend. It has increased from 3.91 Cr. (Mar 2025) to 5.09 Cr., marking an increase of 1.18 Cr..
• For EPS in Rs, as of Jun 2025, the value is 0.36. The value appears strong and on an upward trend. It has increased from 0.31 (Mar 2025) to 0.36, marking an increase of 0.05.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Profit & Loss - Annual Report

Last Updated: June 16, 2025, 1:29 pm

Growth

Last Updated: Unknown

Balance Sheet

Last Updated: July 25, 2025, 1:18 pm

Below is a detailed analysis of the balance sheet data for Finkurve Financial Services Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:

• For Equity Capital, as of Mar 2025, the value is 13.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 13.00 Cr..
• For Reserves, as of Mar 2025, the value is 194.00 Cr.. The value appears strong and on an upward trend. It has increased from 176.00 Cr. (Mar 2024) to 194.00 Cr., marking an increase of 18.00 Cr..
• For Borrowings, as of Mar 2025, the value is 241.00 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from 75.00 Cr. (Mar 2024) to 241.00 Cr., marking an increase of 166.00 Cr..
• For Other Liabilities, as of Mar 2025, the value is 29.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 20.00 Cr. (Mar 2024) to 29.00 Cr., marking an increase of 9.00 Cr..
• For Total Liabilities, as of Mar 2025, the value is 477.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 284.00 Cr. (Mar 2024) to 477.00 Cr., marking an increase of 193.00 Cr..
• For Fixed Assets, as of Mar 2025, the value is 8.00 Cr.. The value appears strong and on an upward trend. It has increased from 1.00 Cr. (Mar 2024) to 8.00 Cr., marking an increase of 7.00 Cr..
• For CWIP, as of Mar 2025, the value is 8.00 Cr.. The value appears strong and on an upward trend. It has increased from 0.00 Cr. (Mar 2024) to 8.00 Cr., marking an increase of 8.00 Cr..
• For Investments, as of Mar 2025, the value is 5.00 Cr.. The value appears strong and on an upward trend. It has increased from 3.00 Cr. (Mar 2024) to 5.00 Cr., marking an increase of 2.00 Cr..
• For Other Assets, as of Mar 2025, the value is 456.00 Cr.. The value appears strong and on an upward trend. It has increased from 279.00 Cr. (Mar 2024) to 456.00 Cr., marking an increase of 177.00 Cr..
• For Total Assets, as of Mar 2025, the value is 477.00 Cr.. The value appears strong and on an upward trend. It has increased from 284.00 Cr. (Mar 2024) to 477.00 Cr., marking an increase of 193.00 Cr..

However, the Borrowings (241.00 Cr.) are higher than the Reserves (194.00 Cr.), which may signal higher financial risk.

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

Free Cash Flow

Financial Efficiency Indicators

Key Financial Ratios

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.

Fair Value

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Strength and Weakness