Finkurve Financial Services Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: April 24, 2025, 7:55 pm

Market Cap	1,808 Cr.
Current Price	142
High / Low	154/53.0
Stock P/E	98.3
Book Value	15.5
Dividend Yield	0.00 %
ROCE	11.2 %
ROE	8.90 %
Face Value	1.00
PEG Ratio	3.06

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Finkurve Financial Services Ltd

Competitors of Finkurve Financial Services Ltd

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Minolta Finance Ltd	14.9 Cr.	1.49	1.91/0.65	166	1.08	0.00 %	0.59 %	0.47 %	1.00
Money Masters Leasing & Finance Ltd	17.2 Cr.	1.71	19.5/1.61	22.0	1.56	0.00 %	2.57 %	4.07 %	1.00
Moneyboxx Finance Ltd	771 Cr.	236	373/158	72.4	81.0	0.00 %	11.4 %	7.45 %	10.0
Moongipa Capital Finance Ltd	20.8 Cr.	22.7	41.0/17.7	10.7	8.69	0.00 %	34.9 %	31.6 %	10.0
Morarka Finance Ltd	51.7 Cr.	115	191/95.0	18.4	387	5.23 %	4.04 %	3.58 %	10.0
Industry Average	26,448.22 Cr	535.01		40.99	534.29	0.26%	19.41%	10.52%	8.49

All Competitor Stocks of Finkurve Financial Services Ltd

Quarterly Result

Metric	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Sales	5.63	6.17	8.30	10.78	14.06	17.29	19.99	23.06	23.64	23.35	28.43	31.90	39.87
Expenses	4.35	4.74	3.56	3.08	6.84	12.16	15.75	16.30	15.31	15.04	20.04	23.41	27.54
Operating Profit	1.28	1.43	4.74	7.70	7.22	5.13	4.24	6.76	8.33	8.31	8.39	8.49	12.33
OPM %	22.74%	23.18%	57.11%	71.43%	51.35%	29.67%	21.21%	29.31%	35.24%	35.59%	29.51%	26.61%	30.93%
Other Income	0.00	20.96	0.00	0.13	0.00	0.06	0.04	0.04	0.07	0.08	0.08	0.23	0.13
Interest	0.56	0.51	0.78	1.22	1.46	1.49	1.57	1.17	1.65	1.78	2.49	3.90	4.33
Depreciation	0.08	0.08	0.07	0.07	0.13	0.16	0.12	0.12	0.12	0.12	0.08	0.16	0.32
Profit before tax	0.64	21.80	3.89	6.54	5.63	3.54	2.59	5.51	6.63	6.49	5.90	4.66	7.81
Tax %	26.56%	18.76%	25.71%	26.45%	22.38%	36.16%	26.25%	20.87%	25.79%	24.65%	25.59%	25.54%	27.91%
Net Profit	0.47	17.71	2.89	4.80	4.37	2.26	1.90	4.36	4.91	4.89	4.39	3.47	5.64
EPS in Rs	0.04	1.40	0.23	0.38	0.34	0.18	0.15	0.34	0.39	0.39	0.35	0.27	0.44

Last Updated: March 4, 2025, 12:19 pm

Below is a detailed analysis of the quarterly data for Finkurve Financial Services Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

For Sales, as of Dec 2024, the value is 39.87 Cr.. The value appears strong and on an upward trend. It has increased from 31.90 Cr. (Sep 2024) to 39.87 Cr., marking an increase of 7.97 Cr..
For Expenses, as of Dec 2024, the value is 27.54 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 23.41 Cr. (Sep 2024) to 27.54 Cr., marking an increase of 4.13 Cr..
For Operating Profit, as of Dec 2024, the value is 12.33 Cr.. The value appears strong and on an upward trend. It has increased from 8.49 Cr. (Sep 2024) to 12.33 Cr., marking an increase of 3.84 Cr..
For OPM %, as of Dec 2024, the value is 30.93%. The value appears strong and on an upward trend. It has increased from 26.61% (Sep 2024) to 30.93%, marking an increase of 4.32%.
For Other Income, as of Dec 2024, the value is 0.13 Cr.. The value appears to be declining and may need further review. It has decreased from 0.23 Cr. (Sep 2024) to 0.13 Cr., marking a decrease of 0.10 Cr..
For Interest, as of Dec 2024, the value is 4.33 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 3.90 Cr. (Sep 2024) to 4.33 Cr., marking an increase of 0.43 Cr..
For Depreciation, as of Dec 2024, the value is 0.32 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.16 Cr. (Sep 2024) to 0.32 Cr., marking an increase of 0.16 Cr..
For Profit before tax, as of Dec 2024, the value is 7.81 Cr.. The value appears strong and on an upward trend. It has increased from 4.66 Cr. (Sep 2024) to 7.81 Cr., marking an increase of 3.15 Cr..
For Tax %, as of Dec 2024, the value is 27.91%. The value appears to be increasing, which may not be favorable. It has increased from 25.54% (Sep 2024) to 27.91%, marking an increase of 2.37%.
For Net Profit, as of Dec 2024, the value is 5.64 Cr.. The value appears strong and on an upward trend. It has increased from 3.47 Cr. (Sep 2024) to 5.64 Cr., marking an increase of 2.17 Cr..
For EPS in Rs, as of Dec 2024, the value is 0.44. The value appears strong and on an upward trend. It has increased from 0.27 (Sep 2024) to 0.44, marking an increase of 0.17.

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

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 7, 2025, 4:03 pm

Metric	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Sales	0	0	2	9	10	12	15	16	20	44	50	90	124
Expenses	0	0	0	0	0	2	2	3	7	13	26	62	86
Operating Profit	-0	-0	2	9	10	11	13	13	13	31	25	28	38
OPM %	-483%	-3%	89%	97%	95%	87%	85%	82%	64%	70%	49%	31%	30%
Other Income	0	0	0	0	0	0	0	0	0	0	0	0	1
Interest	0	0	2	8	9	8	12	8	7	3	5	6	12
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	1
Profit before tax	-0	-0	0	1	1	3	1	5	6	27	20	21	25
Tax %	-31%	-27%	18%	30%	32%	32%	33%	25%	26%	20%	27%	24%
Net Profit	-0	-0	0	1	1	2	1	4	5	22	14	16	18
EPS in Rs	-0.02	-0.03	0.01	0.05	0.06	0.19	0.08	0.32	0.36	1.70	1.13	1.27	1.45
Dividend Payout %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024
YoY Net Profit Growth (%)	0.00%	100.00%	-50.00%	300.00%	25.00%	340.00%	-36.36%	14.29%
Change in YoY Net Profit Growth (%)	0.00%	100.00%	-150.00%	350.00%	-275.00%	315.00%	-376.36%	50.65%

Finkurve Financial Services Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 8 years from 2016-2017 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	77%
5 Years:	43%
3 Years:	64%
TTM:	47%

Compounded Profit Growth
10 Years:	51%
5 Years:	83%
3 Years:	53%
TTM:	37%

Stock Price CAGR
10 Years:	24%
5 Years:	26%
3 Years:	48%
1 Year:	106%

Return on Equity
10 Years:	6%
5 Years:	6%
3 Years:	7%
Last Year:	9%

Last Updated: Unknown

Balance Sheet

Last Updated: December 14, 2024, 1:42 pm

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
Equity Capital	1	10	10	10	10	10	10	13	13	13	13	13	13
Reserves	9	1	1	1	2	4	4	119	123	145	160	176	184
Borrowings	0	4	30	72	75	110	93	73	76	24	52	75	162
Other Liabilities	0	0	0	1	7	3	0	1	3	4	10	20	29
Total Liabilities	11	14	41	83	93	127	107	206	215	186	235	284	388
Fixed Assets	0	0	0	0	0	0	0	0	0	1	1	1	9
CWIP	0	0	0	0	0	0	0	0	0	0	0	0	0
Investments	10	10	10	10	10	10	10	11	13	5	4	3	4
Other Assets	0	4	31	73	83	117	97	195	202	180	229	279	375
Total Assets	11	14	41	83	93	127	107	206	215	186	235	284	388

Below is a detailed analysis of the balance sheet data for Finkurve Financial Services Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

For Equity Capital, as of Sep 2024, 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 Sep 2024, the value is ₹184.00 Cr.. The value appears strong and on an upward trend. It has increased from 176.00 Cr. (Mar 2024) to ₹184.00 Cr., marking an increase of 8.00 Cr..
For Borrowings, as of Sep 2024, the value is ₹162.00 Cr.. The value appears to be increasing, which may not be favorable. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has increased from 75.00 Cr. (Mar 2024) to ₹162.00 Cr., marking an increase of 87.00 Cr..
For Other Liabilities, as of Sep 2024, 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 Sep 2024, the value is ₹388.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 284.00 Cr. (Mar 2024) to ₹388.00 Cr., marking an increase of 104.00 Cr..
For Fixed Assets, as of Sep 2024, the value is ₹9.00 Cr.. The value appears strong and on an upward trend. It has increased from 1.00 Cr. (Mar 2024) to ₹9.00 Cr., marking an increase of 8.00 Cr..
For CWIP, as of Sep 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
For Investments, as of Sep 2024, the value is ₹4.00 Cr.. The value appears strong and on an upward trend. It has increased from 3.00 Cr. (Mar 2024) to ₹4.00 Cr., marking an increase of 1.00 Cr..
For Other Assets, as of Sep 2024, the value is ₹375.00 Cr.. The value appears strong and on an upward trend. It has increased from 279.00 Cr. (Mar 2024) to ₹375.00 Cr., marking an increase of 96.00 Cr..
For Total Assets, as of Sep 2024, the value is ₹388.00 Cr.. The value appears strong and on an upward trend. It has increased from 284.00 Cr. (Mar 2024) to ₹388.00 Cr., marking an increase of 104.00 Cr..

Notably, the Reserves (184.00 Cr.) exceed the Borrowings (162.00 Cr.), indicating a solid financial buffer.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Cash from Operating Activity +	10	-4	-24	-33	8	-30	30	-84	6	29	-20	-7
Cash from Investing Activity +	-10	0	-0	-0	-0	-0	-0	-1	-1	28	-1	-6
Cash from Financing Activity +	-0	3	25	33	-6	28	-29	85	-4	-56	23	18
Net Cash Flow	-1	0	1	0	2	-3	1	-0	1	1	2	4

Free Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	0.00	-4.00	-28.00	-63.00	-65.00	-99.00	-80.00	-60.00	-63.00	7.00	-27.00	-47.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Debtor Days	0	0	0	1	0	0	0	11	0	0	0	0
Inventory Days
Days Payable
Cash Conversion Cycle	0	0	0	1	0	0	0	11	0	0	0	0
Working Capital Days	-304	4,270	5,412	2,757	2,585	3,379	20	-4	-25	-22	-50	-29
ROCE %	-3%	-0%	6%	15%	12%	10%	11%	9%	6%	5%	12%	11%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Promoters	52.86%	52.86%	52.86%	52.86%	54.60%	54.60%	54.60%	54.60%	58.99%	58.99%	58.99%	61.70%
FIIs	5.84%	5.84%	5.84%	5.84%	5.84%	5.84%	5.84%	5.84%	5.84%	5.84%	5.84%	5.84%
Public	41.29%	41.29%	41.29%	41.28%	39.56%	39.56%	39.56%	39.55%	35.17%	35.17%	35.16%	32.45%
No. of Shareholders	1,300	1,248	1,261	1,280	1,371	1,319	1,399	1,881	2,299	2,102	1,883	2,744

Shareholding Pattern Chart

No. of Shareholders

This stock is not held by any mutual fund

ROCE Trend

EPS Trend

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.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Finkurve Financial Services Ltd as of April 25, 2025 is: 110.65

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of April 25, 2025, Finkurve Financial Services Ltd is Overvalued by 22.08% compared to the current share price 142.00

Intrinsic Value of Finkurve Financial Services Ltd as of April 25, 2025 is: 146.21

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of April 25, 2025, Finkurve Financial Services Ltd is Undervalued by 2.96% compared to the current share price 142.00

Last 5 Year EPS CAGR: 32.13%

*Investments are subject to market risks

Strength and Weakness

Strength	Weakness
The stock is trading at a low valuation with an average P/B ratio of 1.35 and average Dividend Yield of 31.85%. The stock has a low average Working Capital Days of -33.17, which is a positive sign. The company has higher reserves (71.46 cr) compared to borrowings (65.08 cr), indicating strong financial stability. The company has shown consistent growth in sales (30.15 cr) and profit (8.46 cr) over the years.	The stock has a low average ROCE of 7.83%, which may not be favorable. The stock has a high average Cash Conversion Cycle of 1.00, which may not be favorable.

Strength

Weakness

The stock is trading at a low valuation with an average P/B ratio of 1.35 and average Dividend Yield of 31.85%.
The stock has a low average Working Capital Days of -33.17, which is a positive sign.
The company has higher reserves (71.46 cr) compared to borrowings (65.08 cr), indicating strong financial stability.
The company has shown consistent growth in sales (30.15 cr) and profit (8.46 cr) over the years.

The stock has a low average ROCE of 7.83%, which may not be favorable.
The stock has a high average Cash Conversion Cycle of 1.00, which may not be favorable.

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:
1. 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.
2. ROCE: 17.81% (Industry Average ROCE: 19.41%)
  - 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.
3. ROE%: 12.47% (Industry Average ROE: 10.31%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. 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.
5. 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.
6. Stock P/E: 98.3 (Industry average Stock P/E: 32.95)
  - 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.
7. 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.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

Finkurve Financial Services Ltd. is a Public Limited Listed company incorporated on 23/03/1984 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L65990MH1984PLC032403 and registration number is 032403. Currently Company is involved in the business activities of Other financial service activities, except insurance and pension funding activities. Company's Total Operating Revenue is Rs. 90.04 Cr. and Equity Capital is Rs. 12.69 Cr. for the Year ended 31/03/2024.

INDUSTRY	ADDRESS	CONTACT
Non-Banking Financial Company (NBFC)	202/A, 2nd Floor, Trade World, D-Wing , Mumbai Maharashtra 400013	finkurvefinancial@gmail.com www.arvog.com

Management
Name	Position Held
Mr. Ketan Kothari	Chairman
Mr. Narendra Jain	Executive Director
Mr. Priyank Kothari	Non Executive Director
Mr. Nishant Ranka	Independent Director
Mr. Dharmesh Trivedi	Independent Director
Mrs. Aastha Vishal Solanki	Addnl. & Ind.Director

FAQ

What is the intrinsic value of Finkurve Financial Services Ltd?

Finkurve Financial Services Ltd's intrinsic value (as of 25 April 2025) is ₹110.65 — 22.08% lower the current market price of 142.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 1,808 Cr. market cap, FY2025-2026 high/low of ₹154/53.0, reserves of 184 Cr, and liabilities of 388 Cr.

What is the Market Cap of Finkurve Financial Services Ltd?

The Market Cap of Finkurve Financial Services Ltd is 1,808 Cr..

What is the current Stock Price of Finkurve Financial Services Ltd as on 25 April 2025?

The current stock price of Finkurve Financial Services Ltd as on 25 April 2025 is 142.

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 ₹154/53.0.

What is the Stock P/E of Finkurve Financial Services Ltd?

The Stock P/E of Finkurve Financial Services Ltd is 98.3.

What is the Book Value of Finkurve Financial Services Ltd?

The Book Value of Finkurve Financial Services Ltd is 15.5.

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 8.90 %.

What is the Face Value of Finkurve Financial Services Ltd?

The Face Value of Finkurve Financial Services Ltd is 1.00.