Finkurve Financial Services Ltd.
•Add ratio to table
ABOUT
KEY POINTS
Revenue Breakup Mar 2019 • Foreign Exchange Trading: 96.4% • NBFC Activity: 3.6% • Leisure & Hospitality: 0.0%
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
- Solid return on assets for a lender - ROA of 4.5%
- Asset quality is healthy - gross NPA of just 0.0%
- Operating margins have improved to 51.9% from 3.2%
- Company has consistently been profitable over the last 5 years
- Company generates healthy free cash flow
CONS
- Capital adequacy is tight at 0.0% - limited headroom to grow
- Company has a low return on equity of 7.4% over last 3 years
- Company has a low return on capital employed of 9.9%
- Promoter holding has decreased over last 2 years: -2.8pp
- Company's sales have been declining over the last five years
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1046.00 | 32.08 | 651234.82 | 0.57 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1038.00 | 21.58 | 244239.69 | 1.04 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| CHOLAFIN | 1849.10 | 27.46 | 157925.34 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 362.95 | 28.51 | 154067.52 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 231.15 | 73.86 | 152631.62 | 0.26 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| BAJAJHLDNG | 10971.00 | 13.79 | 122100.11 | 1.78 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2840.00 | 10.03 | 114017.05 | 1.06 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 400.00 | 26.68 | 109501.94 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 311.25 | 24.51 | 78010.22 | 0.88 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 666.00 | 27.86 | 63379.43 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 676.50 | 25.83 | 56201.25 | 0.59 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| FINKURVE | 66.41 | 47.19 | 930.70 | 0.00 | 4.91 | 162.78 | 23.64 | 191.67 | 11.46 | 35.24 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Dec 2023 | |
|---|---|---|---|---|---|---|---|---|
| 72 | 56 | 81 | 81 | 105 | 102 | 277 | 24 | |
| 41 | 66 | 72 | 58 | 84 | 109 | 72 | 15 | |
| Operating Profit | 50 | 10 | 27 | 31 | 41 | 1 | 211 | 8 |
| OPM % | 69.68% | 18.34% | 33.53% | 37.87% | 38.80% | 1.29% | 76.22% | 35.24% |
| Other Income | 2 | 5 | -1 | 2 | 0 | 2 | 2 | 0 |
| Interest | 18 | 19 | 16 | 6 | 18 | 6 | 5 | 2 |
| Depreciation | 2 | 2 | 3 | 2 | 2 | 2 | 1 | 0 |
| 33 | -5 | 7 | 25 | 21 | -5 | 207 | 7 | |
| Tax % | 24.05% | 16.24% | 44.84% | 26.38% | 27.13% | -32.05% | 17.98% | 25.94% |
| Net Profit | 25 | -4 | 4 | 19 | 15 | -7 | 170 | 5 |
| 0 | -0 | 0 | 0 | 0 | -0 | 1 | 0 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 391 | 415 | 920 | 494 | 326 | 298 | 414 | 25 | 28 | 57 | 72 | |
| 390 | 414 | 917 | 484 | 317 | 288 | 401 | 11 | 14 | 28 | 42 | |
| Operating Profit | 1 | 0 | 3 | 10 | 10 | 10 | 13 | 14 | 14 | 29 | 30 |
| OPM % | 0.36% | 0.02% | 0.34% | 2.05% | 2.95% | 3.39% | 3.02% | 56.60% | 49.91% | 50.82% | 41.95% |
| 1 | 0 | 0 | 0 | 1 | 0 | 1 | 0 | 1 | 1 | 0 | |
| Interest | 2 | 1 | 2 | 8 | 9 | 8 | 12 | 8 | 7 | 4 | 5 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 |
| Profit before Tax | 1 | -0 | 2 | 2 | 1 | 2 | 1 | 5 | 6 | 25 | 29 |
| Tax % | 29.97% | -34.80% | 29.66% | 33.29% | 31.93% | 35.81% | 32.69% | 23.79% | 27.83% | 20.66% | 21.37% |
| Net Profit | 1 | -0 | 1 | 1 | 1 | 2 | 1 | 4 | 5 | 20 | 23 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.36 | 1.55 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- -30%
- 3 Years:
- -48%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- 102%
- 3 Years:
- 184%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- —
RETURN ON EQUITY
- 10 Years:
- 7%
- 5 Years:
- 8%
- 3 Years:
- 7%
- Last Year:
- 13%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 1 | 10 | 10 | 10 | 10 | 10 | 10 | 13 | 13 | 13 |
| Minority Interest | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 0 |
| 10 | 1 | 2 | 3 | 4 | 6 | 7 | 121 | 125 | 145 | |
| 15 | 4 | 31 | 72 | 75 | 111 | 93 | 75 | 78 | 25 | |
| Trade Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 2 |
| 1 | -0 | -0 | 1 | 6 | 3 | 2 | 3 | 12 | 10 | |
| Total Liabilities | 30 | 17 | 45 | 88 | 98 | 133 | 114 | 214 | 231 | 193 |
| 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 | 2 | 1 | |
| 1 | 1 | 0 | 1 | 1 | 3 | 1 | 2 | 4 | 5 | |
| 4 | 3 | 4 | 5 | 6 | 4 | 4 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Cash & Bank | 2 | 4 | 6 | 4 | 5 | 4 | 5 | 13 | 15 | 3 |
| 22 | 9 | 33 | 78 | 85 | 122 | 104 | 197 | 210 | 185 | |
| Total Assets | 30 | 17 | 45 | 88 | 98 | 133 | 114 | 214 | 231 | 193 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 2 | 12 | -22 | -34 | 8 | -27 | 29 | -80 | 6 | 35 | |
| Cash from Investing | -1 | 1 | 0 | -0 | 0 | -1 | 1 | -2 | -0 | 20 |
| Cash from Financing | -2 | -11 | 25 | 33 | -6 | 28 | -29 | 85 | -4 | -56 |
| -1 | 2 | 2 | -2 | 1 | -1 | 1 | 2 | -1 | -8 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-11 - Finkurve Financial Services Limited has informed the Exchange about Schedule of meet
2026-09-10 - Finkurve Financial Services Limited has informed the Exchange regarding 'intimation for interest payment to concerned NCD Holders'.
2026-09-05 - Finkurve Financial Services Limited has informed the Exchange regarding 'Intimation for interest payment to concerned NCD Holders'.
2026-09-05 - Finkurve Financial Services Limited has informed the Exchange about Newspaper Publication of notice of 42nd Annual General Meeting under Regulation 47 of the SEBI (Listing of Obligations and Disclosure Requirement) Regulations, 2015
2026-09-03 - Finkurve Financial Services Limited has informed the Exchange about Copy of Newspaper Publication
2026-09-01 - Finkurve Financial Services Limited has informed the Exchange about General Updates
2026-09-01 - Finkurve Financial Services Limited has informed the Exchange about Shareholders meeting
2026-09-01 - Outcome of Board Meeting
2026-09-01 - Finkurve Financial Services Limited has informed the Exchange regarding 'Intimation for interest payment to concerned NCD Holders'.
News
Recent coverage and analyst commentary for FINKURVE
Loading news…
AI Stock Analyst
Finkurve Financial Services Ltd.
Sign in to Chat with AI
Log in with your 5nance account to ask institutional questions about performance, financials, and outlook.
✨ Sign In to ChatFree 5nance Account