Share Price and Basic Stock Data
Last Updated: December 20, 2025, 3:57 am
| PEG Ratio | -33.57 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Finkurve Financial Services Ltd operates in the non-banking financial company (NBFC) sector, where it has demonstrated a remarkable growth trajectory. The company’s revenue has seen a consistent upward trend, with sales climbing from ₹44 Cr in FY 2022 to ₹90 Cr in FY 2024, and further to ₹140 Cr in FY 2025. This growth trajectory is indicative of Finkurve’s expanding market presence and operational efficiency. In the latest quarter (Q2 FY 2025), the company reported sales of ₹31.90 Cr, reflecting a year-on-year increase of approximately 35% compared to ₹23.06 Cr in Q2 FY 2024. This performance is a testament to Finkurve’s resilience in a competitive market, especially as it navigates the challenges posed by fluctuating economic conditions and sector-wide pressures. The company’s ability to maintain a cash conversion cycle (CCC) of 0 days further illustrates its operational efficiency, allowing it to convert sales into cash swiftly.
Profitability and Efficiency Metrics
Profitability is a critical aspect for any financial institution, and Finkurve appears to be managing this well, albeit with some fluctuations. The company’s operating profit margin (OPM) has shown variability, standing at 36.36% in the latest quarter, which underscores its capacity to maintain a healthy margin amidst rising expenses. Over the last year, net profit has hovered around ₹18 Cr, translating into an earnings per share (EPS) of ₹1.37 for FY 2025, indicating a solid return on equity (ROE) of 8.81%. However, the price-to-earnings (P/E) ratio of 70.2 suggests that the stock might be viewed as overvalued by some investors, reflecting market expectations for future growth. Additionally, the interest coverage ratio (ICR) at 8.50x indicates that Finkurve can comfortably meet its interest obligations, which is a positive sign for investors concerned about leverage.
Balance Sheet Strength and Financial Ratios
Examining Finkurve’s balance sheet reveals a healthy financial position, with total assets reported at ₹741 Cr and total liabilities at ₹477 Cr as of September 2025. The company’s reserves have significantly increased to ₹315 Cr, providing a cushion for potential downturns. With borrowings of ₹382 Cr, the debt-to-equity ratio remains manageable, reflecting prudent financial management. The company’s return on capital employed (ROCE) is reported at 11.2%, which is fairly attractive, suggesting effective utilization of capital to generate profits. However, the high price-to-book value ratio of 4.87x could raise concerns about valuation, especially in a market that may be sensitive to shifts in investor sentiment. Investors should remain vigilant regarding the sustainability of Finkurve’s growth and profitability in the face of potential economic headwinds.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Finkurve Financial Services Ltd indicates a stable base of ownership that can foster investor confidence. As of September 2025, promoters hold 56.26% of the company, demonstrating strong insider confidence. Foreign institutional investors (FIIs) account for 6.71%, while public shareholders represent 37.04%. The gradual increase in promoter shareholding from 52.86% in December 2022 to the current level suggests a commitment to the company’s long-term vision. However, the absence of domestic institutional investors (DIIs) may point to a lack of broader institutional interest, which could be a potential risk factor. The total number of shareholders has also risen to 2,788, reflecting growing retail interest, which is a positive sign for liquidity and marketability of the stock.
Outlook, Risks, and Final Insight
Looking ahead, Finkurve Financial Services Ltd appears well-positioned to leverage its operational efficiencies and growing market presence. However, investors must weigh the potential risks, including the high valuation metrics that may limit future upside, especially if earnings growth does not meet market expectations. Additionally, rising interest rates could impact the cost of borrowing and, subsequently, profitability. The company’s reliance on a steady growth trajectory in a competitive NBFC landscape poses another challenge. In this context, investors should consider their risk tolerance; while Finkurve offers growth potential, the current valuation might necessitate a cautious approach. Overall, the stock’s performance will depend significantly on the management’s ability to sustain growth while navigating external economic pressures.
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 | 13.9 Cr. | 1.39 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 7.93 Cr. | 0.79 | 9.13/0.77 | 23.3 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 441 Cr. | 60.5 | 134/60.0 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 14.8 Cr. | 16.1 | 34.4/15.0 | 11.0 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 36.9 Cr. | 82.0 | 163/74.8 | 19.7 | 238 | 1.22 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 29,768.90 Cr | 451.54 | 53.96 | 522.46 | 0.22% | 15.80% | 8.84% | 8.50 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 8.30 | 10.78 | 14.06 | 17.29 | 19.99 | 23.06 | 23.64 | 23.35 | 28.43 | 31.90 | 39.87 | 40.28 | 39.88 |
| Expenses | 3.56 | 3.08 | 6.84 | 12.16 | 15.75 | 16.30 | 15.31 | 15.04 | 20.04 | 23.41 | 27.54 | 29.06 | 25.38 |
| Operating Profit | 4.74 | 7.70 | 7.22 | 5.13 | 4.24 | 6.76 | 8.33 | 8.31 | 8.39 | 8.49 | 12.33 | 11.22 | 14.50 |
| OPM % | 57.11% | 71.43% | 51.35% | 29.67% | 21.21% | 29.31% | 35.24% | 35.59% | 29.51% | 26.61% | 30.93% | 27.86% | 36.36% |
| Other Income | -0.00 | 0.13 | -0.00 | 0.06 | 0.04 | 0.04 | 0.07 | 0.08 | 0.08 | 0.23 | 0.13 | 0.14 | 0.16 |
| Interest | 0.78 | 1.22 | 1.46 | 1.49 | 1.57 | 1.17 | 1.65 | 1.78 | 2.49 | 3.90 | 4.33 | 5.62 | 7.08 |
| Depreciation | 0.07 | 0.07 | 0.13 | 0.16 | 0.12 | 0.12 | 0.12 | 0.12 | 0.08 | 0.16 | 0.32 | 0.50 | 0.75 |
| Profit before tax | 3.89 | 6.54 | 5.63 | 3.54 | 2.59 | 5.51 | 6.63 | 6.49 | 5.90 | 4.66 | 7.81 | 5.24 | 6.83 |
| Tax % | 25.71% | 26.45% | 22.38% | 36.16% | 26.25% | 20.87% | 25.79% | 24.65% | 25.59% | 25.54% | 27.91% | 25.38% | 25.48% |
| Net Profit | 2.89 | 4.80 | 4.37 | 2.26 | 1.90 | 4.36 | 4.91 | 4.89 | 4.39 | 3.47 | 5.64 | 3.91 | 5.09 |
| EPS in Rs | 0.23 | 0.38 | 0.34 | 0.18 | 0.15 | 0.34 | 0.39 | 0.39 | 0.35 | 0.27 | 0.44 | 0.31 | 0.36 |
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: 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: December 4, 2025, 2:52 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 |
| Borrowings | 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 Borrowings, as of Sep 2025, the value is 382.00 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 241.00 Cr. (Mar 2025) to 382.00 Cr., marking an increase of 141.00 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..
However, the Borrowings (382.00 Cr.) are higher than the Reserves (315.00 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
| 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: 15.8%)
- 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: 70 (Industry average Stock P/E: 53.96)
- 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 | finkurvefinancial@gmail.com http://www.arvog.com |
| 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 21 December 2025) is 118.26 which is 14.82% higher the current market price of 103.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 1,439 Cr. market cap, FY2025-2026 high/low of 154/94.0, 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 1,439 Cr..
What is the current Stock Price of Finkurve Financial Services Ltd as on 21 December 2025?
The current stock price of Finkurve Financial Services Ltd as on 21 December 2025 is 103.
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 154/94.0.
What is the Stock P/E of Finkurve Financial Services Ltd?
The Stock P/E of Finkurve Financial Services Ltd is 70.0.
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 11.2 %.
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.