Finbud Financial Services Ltd.

•

financebuddha.com/BSE: -NSE: FINBUD

Market Cap₹ 249 Cr.

Current Price

High / Low₹ 165 / 76

Stock P/E21.4

Book Value₹ 22

Price to Book5.97

Dividend Yield0.00 %

ROCE34.0 %

ROE35.6 %

Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Company has a good return on equity (ROE) track record: 3 Years ROE 44.6%
Company has a healthy return on capital (ROCE) of 37.3%
Solid return on assets for a lender - ROA of 15.5%
Asset quality is healthy - gross NPA of just 0.0%
Operating margins have improved to 6.6% from 2.3%

CONS

Capital adequacy is tight at 0.0% - limited headroom to grow
Thin net interest margin of 0.0%
Though reporting repeated profits, the company pays out little dividend (0.0%)

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance Term Lending

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	PFC	352.80	4.47	116427.59	5.26	8997.92	0.18	28526.86	0.32	10.05	99.88
2.	IRFC	81.35	14.78	106312.30	2.58	1927.21	10.40	8261.11	451.73	5.64	99.49
3.	RECLTD	315.00	5.17	82946.56	5.89	4192.76	-6.11	14434.92	-1.51	9.71	96.90
4.	IFCI	85.14	131.51	22939.39	0.00	60.27	-3.46	327.06	4.79	7.56	57.66
5.	TFCILTD	143.15	77.53	6627.52	0.42	18.38	-8.25	51.00	-17.46	11.13	90.10
6.	SATIN	216.85	5.85	2395.56	0.00	1226.46	2619.42	7621.36	983.89	12.15	62.96
7.	FINBUD	130.90	21.41	249.36	0.00	—	—	—	—	33.96	—
8.	TRU	4.21	0.00	50.04	0.00	-10.58	-16.29	11.27	-62.55	3.48	-79.12

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

No quarterly results found

We don't have this information yet. Please check back later.

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	88	135	190	223
	86	131	180	209
Operating Profit	2	4	11	15
OPM %	2.32%	3.12%	5.57%	6.57%
	0	0	0	0
Interest	1	1	1	1
Depreciation	1	1	1	2
Profit before Tax	0	2	8	12
Tax %	105.00%	24.66%	29.49%	28.91%
Net Profit	-0	2	6	8
EPS	0.00	1.31	3603.69	6.07
Dividend Payout %	0.00%	0.00%	0.00%	0.00%

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: —
3 Years:: 36%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: —
3 Years:: —

STOCK PRICE CAGR

10 Years:: —
5 Years:: —
3 Years:: —
1 Year:: —

RETURN ON EQUITY

10 Years:: —
5 Years:: —
3 Years:: 45%
Last Year:: 36%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	0	0	0	14
	4	6	12	22
	4	6	11	17
Trade Payables	7	8	13	5
	8	6	8	10
Total Liabilities	23	27	44	68
	2	2	2	3
	0	0	27	35
Cash & Bank	0	2	3	8
	22	22	12	22
Total Assets	23	27	44	68

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	2	3	-2	-13
Cash from Investing	-1	-1	-2	-1
Cash from Financing	-2	1	4	20
	-1	2	0	6

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Mar 2023	Mar 2024	Mar 2025

Shareholding Pattern

Numbers in percentages

	Mar 2026
	48.25
	0.75
	5.87
Government	0.00
	45.13

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

No announcements filed.

News

Recent coverage and analyst commentary for FINBUD

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Finbud Financial Services Ltd.

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Name

PFC

352.80

4.47

116427.59

5.26

8997.92

0.18

28526.86

0.32

10.05

99.88

IRFC

81.35

14.78

106312.30

2.58

1927.21

10.40

8261.11

451.73

5.64

99.49

RECLTD

315.00

5.17

82946.56

5.89

4192.76

-6.11

14434.92

-1.51

9.71

96.90

IFCI

85.14

131.51

22939.39

0.00

60.27

-3.46

327.06

4.79

7.56

57.66

TFCILTD

143.15

77.53

6627.52

0.42

18.38

-8.25

51.00

-17.46

11.13

90.10

SATIN

216.85

5.85

2395.56

0.00

1226.46

2619.42

7621.36

983.89

12.15

62.96

FINBUD

130.90

21.41

249.36

0.00

—

33.96

—

TRU

4.21

0.00

50.04

0.00

-10.58

-16.29

11.27

-62.55

3.48

-79.12

Mar 2022

Mar 2023

Mar 2024

Mar 2025

135

190

223

131

180

209

Operating Profit

OPM %

2.32%

3.12%

5.57%

6.57%

Interest

Depreciation

Profit before Tax

Tax %

105.00%

24.66%

29.49%

28.91%

Net Profit

-0

EPS

0.00

1.31

3603.69

6.07

Dividend Payout %

0.00%

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Equity Capital

Trade Payables

Total Liabilities

Cash & Bank

Total Assets

Mar 2022

Mar 2023

Mar 2024

Mar 2025

-2

-13

Cash from Investing

-1

-2

-1

Cash from Financing

-2

-1

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

48.25

0.75

5.87

Government

0.00

45.13

Finbud Financial Services Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI

Finbud Financial Services Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI