Share Price and Basic Stock Data
Last Updated: February 10, 2026, 10:24 pm
| PEG Ratio | -29.01 |
|---|
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, with its stock currently priced at ₹80.3 and a market capitalization of ₹1,125 Cr. The company has demonstrated a significant upward trend in revenue, with quarterly revenues rising from ₹10.78 Cr in September 2022 to ₹23.06 Cr by September 2023. The growth trajectory continued, with reported revenues of ₹39.87 Cr in December 2024 and an anticipated ₹48.05 Cr by September 2025. This consistent increase reflects a robust demand for financial services offered by the company, supported by its zero-day cash conversion cycle (CCC), indicating efficient cash flow management. Over the last few fiscal years, Finkurve’s annual sales surged from ₹44 Cr in March 2022 to ₹90 Cr in March 2024, with projections of ₹140 Cr for March 2025. Such growth highlights the company’s ability to capitalize on market opportunities and enhance its operational scale.
Profitability and Efficiency Metrics
Finkurve Financial Services has reported net profits of ₹21 Cr for the latest fiscal year, translating to a net profit margin of approximately 12.5%. The company’s profitability indicators show a return on equity (ROE) of 8.81% and return on capital employed (ROCE) of 11.4%, which are relatively modest compared to sector norms. However, the interest coverage ratio (ICR) is strong at 8.50x, suggesting that the company is effectively managing its interest obligations. The financing margin percentage fluctuated over the quarters, peaking at 60.11% in September 2022 before declining to 24.24% in September 2023, indicative of the competitive pressures within the NBFC space. Additionally, the company’s earnings per share (EPS) was reported at ₹1.37 for March 2025, showcasing a gradual increase from ₹1.13 in March 2023. These metrics collectively illustrate a company that is navigating profitability challenges while maintaining a solid operational framework.
Balance Sheet Strength and Financial Ratios
The balance sheet of Finkurve Financial Services reflects a total asset base of ₹741 Cr as of September 2025, with total liabilities amounting to ₹741 Cr as well. The company reported reserves of ₹315 Cr, indicating a healthy retention of profits for reinvestment and growth. Borrowings surged to ₹382 Cr, escalating from ₹241 Cr in March 2025, which may heighten financial risk if not managed prudently. The price-to-book value (P/BV) ratio stood at 4.87x, suggesting that the stock may be overvalued compared to its book value, which was ₹12.46 per share in March 2022. The current ratio of 6.69x illustrates strong liquidity, while the debt-to-equity ratio reflects a relatively low leverage, standing at 0.14x in March 2022. These financial ratios indicate a balance between leveraging growth opportunities while maintaining financial stability.
Shareholding Pattern and Investor Confidence
The shareholding structure of Finkurve Financial Services indicates a strong promoter holding of 56.26%, which provides a solid foundation of control and commitment to the company’s growth. Foreign Institutional Investors (FIIs) hold 6.71% of the shares, showing a modest interest from international investors. The public shareholding has experienced fluctuations, currently at 37.04%, reflecting a dynamic investor sentiment. The number of shareholders increased from 1,280 in December 2022 to 2,788 by September 2025, indicating growing retail interest and confidence in the company’s future prospects. This increase in shareholder base is a positive sign of market acceptance and potential for future capital inflows. However, the absence of Domestic Institutional Investors (DIIs) may indicate a lack of institutional backing, which can be a concern for long-term stability.
Outlook, Risks, and Final Insight
Looking ahead, Finkurve Financial Services is well-positioned to capitalize on the growth of the NBFC sector, particularly in light of its increasing revenues and manageable debt levels. However, risks remain, particularly related to its rising borrowings and fluctuating profit margins in a competitive landscape. The company must focus on maintaining its profitability while managing costs effectively to protect its margins. Additionally, external economic factors and regulatory changes could impact performance. If Finkurve can sustain its growth momentum and manage its financial health prudently, it could emerge as a leader in the NBFC space. Conversely, failure to address the rising debt levels and ensure consistent profitability could pose significant challenges to its long-term viability. Overall, the company’s strategic focus on growth and operational efficiency will be crucial in navigating the evolving financial landscape.
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 | 13.3 Cr. | 1.33 | 1.66/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 6.42 Cr. | 0.64 | 4.08/0.58 | 18.9 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 389 Cr. | 59.8 | 125/44.0 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 14.9 Cr. | 16.2 | 24.7/14.8 | 12.3 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 28.8 Cr. | 63.9 | 138/57.6 | 15.5 | 238 | 1.56 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 28,720.71 Cr | 393.63 | 73.70 | 514.92 | 0.22% | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 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 |
| 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 |
| 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 |
| Financing Profit | 6.48 | 5.76 | 3.64 | 2.67 | 5.59 | 6.68 | 6.53 | 5.90 | 4.59 | 8.00 | 5.60 | 7.42 | 8.05 |
| Financing Margin % | 60.11% | 40.97% | 21.05% | 13.36% | 24.24% | 28.26% | 27.97% | 20.75% | 14.39% | 20.07% | 13.90% | 18.61% | 16.75% |
| 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 |
| 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 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: February 2, 2026, 12:16 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 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 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 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 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 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| 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 25, the value is 1.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 1.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 1.55. This value is below the healthy minimum of 5. It has increased from 0.36 (Mar 24) to 1.55, marking an increase of 1.19.
- For Diluted EPS (Rs.), as of Mar 25, the value is 1.55. This value is below the healthy minimum of 5. It has increased from 0.36 (Mar 24) to 1.55, marking an increase of 1.19.
- For Cash EPS (Rs.), as of Mar 25, the value is 1.61. This value is below the healthy minimum of 3. It has increased from 0.43 (Mar 24) to 1.61, marking an increase of 1.18.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 12.46. It has increased from 11.04 (Mar 24) to 12.46, marking an increase of 1.42.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 12.46. It has increased from 11.04 (Mar 24) to 12.46, marking an increase of 1.42.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 4.46. It has increased from 2.21 (Mar 24) to 4.46, marking an increase of 2.25.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 2.29. This value is within the healthy range. It has increased from 1.13 (Mar 24) to 2.29, marking an increase of 1.16.
- For PBIT / Share (Rs.), as of Mar 25, the value is 2.23. This value is within the healthy range. It has increased from 1.06 (Mar 24) to 2.23, marking an increase of 1.17.
- For PBT / Share (Rs.), as of Mar 25, the value is 1.96. This value is within the healthy range. It has increased from 0.50 (Mar 24) to 1.96, marking an increase of 1.46.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 1.56. This value is below the healthy minimum of 2. It has increased from 0.36 (Mar 24) to 1.56, marking an increase of 1.20.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 1.55. This value is below the healthy minimum of 2. It has increased from 0.36 (Mar 24) to 1.55, marking an increase of 1.19.
- For PBDIT Margin (%), as of Mar 25, the value is 51.33. This value is within the healthy range. It has increased from 51.04 (Mar 24) to 51.33, marking an increase of 0.29.
- For PBIT Margin (%), as of Mar 25, the value is 50.02. This value exceeds the healthy maximum of 20. It has increased from 47.98 (Mar 24) to 50.02, marking an increase of 2.04.
- For PBT Margin (%), as of Mar 25, the value is 43.98. This value is within the healthy range. It has increased from 22.88 (Mar 24) to 43.98, marking an increase of 21.10.
- For Net Profit Margin (%), as of Mar 25, the value is 34.89. This value exceeds the healthy maximum of 10. It has increased from 16.51 (Mar 24) to 34.89, marking an increase of 18.38.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is 34.87. This value exceeds the healthy maximum of 20. It has increased from 16.35 (Mar 24) to 34.87, marking an increase of 18.52.
- For Return on Networth / Equity (%), as of Mar 25, the value is 12.47. This value is below the healthy minimum of 15. It has increased from 3.32 (Mar 24) to 12.47, marking an increase of 9.15.
- For Return on Capital Employeed (%), as of Mar 25, the value is 17.81. This value is within the healthy range. It has increased from 9.24 (Mar 24) to 17.81, marking an increase of 8.57.
- For Return On Assets (%), as of Mar 25, the value is 10.59. This value is within the healthy range. It has increased from 2.04 (Mar 24) to 10.59, marking an increase of 8.55.
- For Long Term Debt / Equity (X), as of Mar 25, 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 24) which recorded 0.00.
- For Total Debt / Equity (X), as of Mar 25, the value is 0.14. This value is within the healthy range. It has decreased from 0.55 (Mar 24) to 0.14, marking a decrease of 0.41.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.21. It has increased from 0.09 (Mar 24) to 0.21, marking an increase of 0.12.
- For Current Ratio (X), as of Mar 25, the value is 6.69. This value exceeds the healthy maximum of 3. It has increased from 2.79 (Mar 24) to 6.69, marking an increase of 3.90.
- For Quick Ratio (X), as of Mar 25, the value is 6.69. This value exceeds the healthy maximum of 2. It has increased from 2.79 (Mar 24) to 6.69, marking an increase of 3.90.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 8.50. This value is within the healthy range. It has increased from 2.03 (Mar 24) to 8.50, marking an increase of 6.47.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 6.78. This value is within the healthy range. It has increased from 1.66 (Mar 24) to 6.78, marking an increase of 5.12.
- For Enterprise Value (Cr.), as of Mar 25, the value is 791.08. It has increased from 620.63 (Mar 24) to 791.08, marking an increase of 170.45.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 13.99. This value exceeds the healthy maximum of 3. It has decreased from 22.16 (Mar 24) to 13.99, marking a decrease of 8.17.
- For EV / EBITDA (X), as of Mar 25, the value is 27.25. This value exceeds the healthy maximum of 15. It has decreased from 43.41 (Mar 24) to 27.25, marking a decrease of 16.16.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 13.62. This value exceeds the healthy maximum of 3. It has decreased from 19.88 (Mar 24) to 13.62, marking a decrease of 6.26.
- For Price / BV (X), as of Mar 25, the value is 4.87. This value exceeds the healthy maximum of 3. It has increased from 4.04 (Mar 24) to 4.87, marking an increase of 0.83.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 13.62. This value exceeds the healthy maximum of 3. It has decreased from 19.88 (Mar 24) to 13.62, marking a decrease of 6.26.
- For EarningsYield, as of Mar 25, the value is 0.02. This value is below the healthy minimum of 5. It has increased from 0.01 (Mar 24) 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: 60.5 (Industry average Stock P/E: 73.7)
- 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 10 February 2026) is ₹100.08 which is 7.04% higher the current market price of ₹93.50, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹1,325 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 1,325 Cr..
What is the current Stock Price of Finkurve Financial Services Ltd as on 10 February 2026?
The current stock price of Finkurve Financial Services Ltd as on 10 February 2026 is ₹93.5.
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 60.5.
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.