Share Price and Basic Stock Data
Last Updated: December 27, 2025, 11:22 pm
| PEG Ratio | -33.43 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Finkurve Financial Services Ltd, a prominent player in the Non-Banking Financial Company (NBFC) sector, has exhibited impressive growth in its revenue streams. For the fiscal year ending March 2025, the company reported sales of ₹140 Cr, a significant increase from ₹50 Cr in the previous year, indicating a robust year-on-year growth trajectory. The company’s quarterly sales figures also reflect this upward trend, with sales reaching ₹23.06 Cr in September 2023 and projected to rise to ₹48.05 Cr by September 2025. This consistent growth underscores Finkurve’s ability to scale its operations effectively. The operating profit margin was notably high at 34.15%, showcasing the company’s operational efficiency amidst rising sales. Finkurve’s reported operating profit for the same period stood at ₹40 Cr, reflecting a healthy operational performance that positions the company well within the competitive landscape of the NBFC sector.
Profitability and Efficiency Metrics
Finkurve Financial Services has demonstrated commendable profitability metrics, with a return on equity (ROE) of 8.81% and a return on capital employed (ROCE) of 11.2%. The company’s net profit stood at ₹21 Cr for the latest reporting period, with a net profit margin of 15%, which is competitive within the NBFC space. The interest coverage ratio (ICR) reported at 8.50x indicates that the company is well-positioned to meet its interest obligations, reflecting strong operational earnings relative to its debt. Additionally, the company has maintained a cash conversion cycle of 0 days, showcasing its efficiency in converting sales into cash without delays. However, the high price-to-earnings (P/E) ratio of 69.7 suggests that investors may have high expectations for future growth, which could indicate potential volatility if performance does not meet these expectations.
Balance Sheet Strength and Financial Ratios
Finkurve’s balance sheet reflects a solid financial foundation, with total assets reported at ₹741 Cr and total borrowings of ₹382 Cr, indicating a manageable debt level relative to its asset base. The company’s reserves have significantly increased to ₹315 Cr as of September 2025, up from ₹160 Cr in March 2023, showcasing a strong retention of earnings that supports future growth initiatives. The price-to-book value ratio stands at 4.87x, which is relatively high, suggesting that the market may be valuing the shares at a premium compared to the book value. Furthermore, the current ratio of 6.69x signals strong liquidity, ensuring that Finkurve can meet its short-term obligations comfortably. However, the rising borrowings, particularly with ₹241 Cr reported for March 2025, could pose risks if not managed judiciously, especially in a fluctuating interest rate environment.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Finkurve Financial Services indicates a stable ownership structure, with promoters holding 56.26% of the equity, which reflects strong insider confidence in the company’s future. Foreign institutional investors (FIIs) have also increased their stake to 6.71%, while public shareholding has risen to 37.04%, indicating growing interest from retail investors. The number of shareholders has increased significantly from 1,280 in December 2022 to 2,788 by September 2025, suggesting enhanced market participation and confidence in the company’s growth prospects. However, the fluctuation in public ownership, which has decreased from a high of 41.28% in December 2022, could indicate some volatility in investor sentiment. Overall, the increasing engagement from both institutional and retail investors reflects a positive outlook on Finkurve’s financial trajectory.
Outlook, Risks, and Final Insight
Looking ahead, Finkurve Financial Services is well-positioned for growth, bolstered by its strong revenue trajectory and efficient operational metrics. However, potential risks include rising interest rates that could increase borrowing costs, impacting profitability. Additionally, the high P/E ratio may lead to increased scrutiny from investors should growth expectations not materialize. The company’s ability to maintain its current cash conversion cycle and effectively manage its debt will be crucial in sustaining investor confidence. If Finkurve successfully navigates these challenges, it could enhance its market position significantly. Conversely, failure to manage financial leverage and operational efficiency could lead to a decline in market sentiment. Overall, Finkurve’s performance will depend on its strategic execution in the competitive NBFC 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 | 14.8 Cr. | 1.48 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 7.63 Cr. | 0.76 | 8.62/0.75 | 22.4 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 462 Cr. | 63.4 | 127/59.1 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 15.1 Cr. | 16.5 | 34.4/15.0 | 11.3 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 37.1 Cr. | 82.5 | 162/74.8 | 19.8 | 238 | 1.21 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 28,751.38 Cr | 462.33 | 53.30 | 522.46 | 0.22% | 15.80% | 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: 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: 69.7 (Industry average Stock P/E: 53.3)
- 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 29 December 2025) is 117.75 which is 15.44% higher the current market price of 102.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 1,434 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 1,434 Cr..
What is the current Stock Price of Finkurve Financial Services Ltd as on 29 December 2025?
The current stock price of Finkurve Financial Services Ltd as on 29 December 2025 is 102.
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 69.7.
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.