Finbud Financial Services Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
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.
PROS
- Company has a good return on equity (ROE) track record: 3 Years ROE 45.9%
- Company has a healthy return on capital (ROCE) of 37.7%
- 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 2.4%
CONS
- Capital adequacy is tight at 0.0% - limited headroom to grow
- Thin net interest margin of 0.0%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| PFC | 353.25 | 4.48 | 116576.09 | 5.25 | 8997.92 | 0.18 | 28526.86 | 0.32 | 10.05 | 99.88 |
| IRFC | 81.07 | 14.73 | 105946.38 | 2.59 | 1927.21 | 10.40 | 8261.11 | 451.73 | 5.64 | 99.49 |
| RECLTD | 312.90 | 5.14 | 82393.58 | 5.93 | 4192.76 | -6.11 | 14434.92 | -1.51 | 9.71 | 96.90 |
| IFCI | 82.32 | 127.15 | 22179.60 | 0.00 | 60.27 | -3.46 | 327.06 | 4.79 | 7.56 | 57.66 |
| TFCILTD | 140.55 | 76.12 | 6507.15 | 0.43 | 18.38 | -8.25 | 51.00 | -17.46 | 11.13 | 90.10 |
| SATIN | 216.75 | 5.84 | 2394.46 | 0.00 | 1226.46 | 2619.42 | 7621.36 | 983.89 | 12.15 | 62.96 |
| FINBUD | 128.55 | 21.03 | 244.88 | 0.00 | — | — | — | — | 33.96 | — |
| TRU | 4.32 | 0.00 | 51.35 | 0.00 | -10.58 | -16.29 | 11.27 | -62.55 | 3.48 | -79.12 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
No standalone quarterly results found
We don't have this information yet. Please check back later.
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|
| 88 | 135 | 189 | 223 | |
| 86 | 131 | 179 | 208 | |
| Operating Profit | 2 | 4 | 11 | 15 |
| OPM % | 2.32% | 3.11% | 5.58% | 6.57% |
| 0 | 0 | 0 | 0 | |
| Interest | 1 | 1 | 1 | 1 |
| Depreciation | 1 | 1 | 1 | 2 |
| Profit before Tax | 0 | 2 | 8 | 12 |
| Tax % | 107.70% | 24.61% | 29.50% | 28.86% |
| Net Profit | -0 | 2 | 6 | 8 |
| EPS | 0.00 | 1.29 | 3593.63 | 6.06 |
| 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:
- 46%
- Last Year:
- 36%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|
| Equity Capital | 0 | 0 | 0 | 14 |
| 4 | 6 | 11 | 22 | |
| 4 | 6 | 11 | 17 | |
| Trade Payables | 7 | 8 | 12 | 4 |
| 8 | 5 | 8 | 10 | |
| Total Liabilities | 23 | 25 | 43 | 67 |
| 2 | 2 | 2 | 3 | |
| 2 | 2 | 2 | 5 | |
| 0 | 0 | 27 | 35 | |
| Cash & Bank | 0 | 1 | 2 | 6 |
| 19 | 20 | 10 | 18 | |
| Total Assets | 23 | 25 | 43 | 67 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|
| 2 | 3 | -2 | -11 | |
| Cash from Investing | -1 | -1 | -2 | -4 |
| Cash from Financing | -2 | 1 | 4 | 20 |
| -1 | 1 | 0 | 4 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|
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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