Finbud Financial Services Ltd.
•₹ 138.1-0.65%
2026-08-21
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
EDIT COLUMNS| S.No. | Name | CMP Rs. | P/E | Mar Cap Rs.Cr. | Div Yld % | NP Qtr Rs.Cr. | Qtr Profit Var % | Sales Qtr Rs.Cr. | Qtr Sales Var % | ROCE % | OPM % |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | PFC | 376.00 | 4.76 | 124083.83 | 4.93 | 8997.92 | 0.18 | 28526.86 | 0.32 | 10.05 | 99.88 |
| 2. | IRFC | 85.10 | 0.00 | 111212.99 | 2.47 | 1927.21 | 10.40 | 8261.11 | 451.73 | 5.64 | 99.49 |
| 3. | RECLTD | 337.35 | 5.54 | 88831.81 | 5.50 | 4192.76 | -6.11 | 14434.92 | -1.51 | 9.71 | 96.90 |
| 4. | IFCI | 81.60 | 126.04 | 21985.60 | 0.00 | 60.27 | -3.46 | 327.06 | 4.79 | 11.51 | 57.66 |
| 5. | TFCILTD | 131.50 | 71.22 | 6088.15 | 0.46 | 18.38 | -8.25 | 51.00 | -17.46 | 11.13 | 90.10 |
| 6. | SATIN | 224.35 | 6.05 | 2478.42 | 0.00 | 122.65 | 171.94 | 762.14 | 7.70 | 12.15 | 62.96 |
| 7. | FINBUD | 139.00 | 22.74 | 264.79 | 0.00 | — | — | — | — | 33.96 | — |
| 8. | TRU | 4.35 | 0.00 | 51.70 | 0.00 | -10.58 | -16.29 | 11.27 | -62.55 | 3.48 | -79.12 |
Detailed Comparison with:
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 | 3 | 6 | 7 |
| Other Income | 0 | 0 | 0 | 0 |
| Interest | 1 | 1 | 1 | 1 |
| Depreciation | 1 | 1 | 1 | 2 |
| 0 | 2 | 8 | 12 | |
| Tax % | 108 | 25 | 30 | 29 |
| Net Profit | -0 | 2 | 6 | 8 |
| EPS | 0 | 1 | 3,594 | 6 |
| Dividend Payout % | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 |
| Adjusted EPS | -0 | 1 | 4 | 6 |
| Minority Interest | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 |
| Adjusted EPS | -0 | 1 | 4 | 6 |
Mar 2022
- 88
- 86
- Operating Profit
- 2
- OPM %
- 2
- Other Income
- 0
- Interest
- 1
- Depreciation
- 1
- 0
- Tax %
- 108
- Net Profit
- -0
- EPS
- 0
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- -0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- -0
Mar 2023
- 135
- 131
- Operating Profit
- 4
- OPM %
- 3
- Other Income
- 0
- Interest
- 1
- Depreciation
- 1
- 2
- Tax %
- 25
- Net Profit
- 2
- EPS
- 1
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 1
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 1
Mar 2024
- 189
- 179
- Operating Profit
- 11
- OPM %
- 6
- Other Income
- 0
- Interest
- 1
- Depreciation
- 1
- 8
- Tax %
- 30
- Net Profit
- 6
- EPS
- 3,594
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 4
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 4
Mar 2025
- 223
- 208
- Operating Profit
- 15
- OPM %
- 7
- Other Income
- 0
- Interest
- 1
- Depreciation
- 2
- 12
- Tax %
- 29
- Net Profit
- 8
- EPS
- 6
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 6
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 6
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 | |
|---|---|---|---|---|
| LIABILITIES | - | - | - | - |
| Equity Capital | 0 | 0 | 0 | 14 |
| 4 | 6 | 11 | 22 | |
| 0 | 0 | 6 | 13 | |
| Trade Payables | 7 | 8 | 12 | 4 |
| 11 | 11 | 13 | 13 | |
| Total Liabilities | 23 | 25 | 43 | 67 |
| ASSETS | - | - | - | - |
| 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 |
| Total Debt | 6 | 7 | 12 | 19 |
| Net Working Capital | 4 | 8 | 12 | 32 |
| Contingent Liabilities | 0 | 0 | 0 | 0 |
| Book Value per Share | 2569.87 | 3722.68 | 7316.31 | 25.47 |
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 |
| Total Debt | 6 | 7 | 12 | 19 |
| Net Working Capital | 4 | 8 | 12 | 32 |
| Contingent Liabilities | 0 | 0 | 0 | 0 |
| Book Value per Share | 2569.87 | 3722.68 | 7316.31 | 25.47 |
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 |
Mar 2022
- Equity Capital
- 0
- 4
- 0
- Trade Payables
- 7
- 11
- Total Liabilities
- 23
- 2
- 2
- 0
- Cash & Bank
- 0
- 19
- Total Assets
- 23
- Total Debt
- 6
- Net Working Capital
- 4
- Contingent Liabilities
- 0
- Book Value per Share
- 2569.87
- Face Value
- 10.00
- Total Debt
- 6
- Net Working Capital
- 4
- Contingent Liabilities
- 0
- Book Value per Share
- 2569.87
- Face Value
- 10.00
Mar 2023
- Equity Capital
- 0
- 6
- 0
- Trade Payables
- 8
- 11
- Total Liabilities
- 25
- 2
- 2
- 0
- Cash & Bank
- 1
- 20
- Total Assets
- 25
- Total Debt
- 7
- Net Working Capital
- 8
- Contingent Liabilities
- 0
- Book Value per Share
- 3722.68
- Face Value
- 10.00
- Total Debt
- 7
- Net Working Capital
- 8
- Contingent Liabilities
- 0
- Book Value per Share
- 3722.68
- Face Value
- 10.00
Mar 2024
- Equity Capital
- 0
- 11
- 6
- Trade Payables
- 12
- 13
- Total Liabilities
- 43
- 2
- 2
- 27
- Cash & Bank
- 2
- 10
- Total Assets
- 43
- Total Debt
- 12
- Net Working Capital
- 12
- Contingent Liabilities
- 0
- Book Value per Share
- 7316.31
- Face Value
- 10.00
- Total Debt
- 12
- Net Working Capital
- 12
- Contingent Liabilities
- 0
- Book Value per Share
- 7316.31
- Face Value
- 10.00
Mar 2025
- Equity Capital
- 14
- 22
- 13
- Trade Payables
- 4
- 13
- Total Liabilities
- 67
- 3
- 5
- 35
- Cash & Bank
- 6
- 18
- Total Assets
- 67
- Total Debt
- 19
- Net Working Capital
- 32
- Contingent Liabilities
- 0
- Book Value per Share
- 25.47
- Face Value
- 10.00
- Total Debt
- 19
- Net Working Capital
- 32
- Contingent Liabilities
- 0
- Book Value per Share
- 25.47
- Face Value
- 10.00
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|
| 2 | 2 | -2 | -11 | |
| Cash from Investing | -1 | -1 | -2 | -4 |
| Cash from Financing | -2 | 1 | 4 | 20 |
| -1 | 1 | 0 | 4 | |
| Free Cash Flow | 2 | 0 | -4 | -12 |
| OCF / Net Profit | -155.15 | 1.06 | -0.33 | -1.27 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 |
| OCF / Net Profit | -155.15 | 1.06 | -0.33 | -1.27 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 |
Mar 2022
- 2
- Cash from Investing
- -1
- Cash from Financing
- -2
- -1
- Free Cash Flow
- 2
- OCF / Net Profit
- -155.15
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -155.15
- Cumulative 5-Year FCF
- 0
Mar 2023
- 2
- Cash from Investing
- -1
- Cash from Financing
- 1
- 1
- Free Cash Flow
- 0
- OCF / Net Profit
- 1.06
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- 1.06
- Cumulative 5-Year FCF
- 0
Mar 2024
- -2
- Cash from Investing
- -2
- Cash from Financing
- 4
- 0
- Free Cash Flow
- -4
- OCF / Net Profit
- -0.33
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -0.33
- Cumulative 5-Year FCF
- 0
Mar 2025
- -11
- Cash from Investing
- -4
- Cash from Financing
- 20
- 4
- Free Cash Flow
- -12
- OCF / Net Profit
- -1.27
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -1.27
- Cumulative 5-Year FCF
- 0
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|
| PER SHARE | - | - | - | - |
| EPS (₹) | -8.15 | 1152.48 | 3593.63 | 6.06 |
| Book Value (₹) | 2569.87 | 3722.68 | 7316.31 | 25.47 |
| Dividend per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash EPS (₹) | 0.69 | 2.15 | 5.62 | 7.14 |
| PROFITABILITY | - | - | - | - |
| Operating Margin % | 2.35% | 3.18% | 5.58% | 6.57% |
| Net Margin % | -0.01% | 1.34% | 2.98% | 3.81% |
| ROE % | -0.32% | 36.63% | 65.11% | 35.98% |
| ROCE % | 12.31% | 29.60% | 49.29% | 34.15% |
| -0.06% | 7.51% | 16.54% | 15.51% | |
| EFFICIENCY | - | - | - | - |
| Debtor Days | 50 | 37 | 41 | 51 |
| Inventory Days | 0 | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 | 0 |
| 50 | 37 | 41 | 51 | |
| FINANCIAL HEALTH | - | - | - | - |
| Debt to Equity (x) | 1.38x | 1.27x | 1.08x | 0.52x |
| Interest Coverage (x) | 1.16x | 3.44x | 7.94x | 9.44x |
| 1.24x | 1.59x | 1.48x | 2.16x | |
| GROWTH | - | - | - | - |
| Revenue Growth % | 0.00% | 53.72% | 40.45% | 17.49% |
| Operating Profit Growth % | 0.00% | 107.85% | 147.39% | 40.02% |
| Net Profit Growth % | 0.00% | 0.00% | 211.82% | 50.32% |
| 0.00% | 0.00% | 211.82% | -99.83% | |
| VALUATION | - | - | - | - |
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x |
| Dividend Yield % | 0.00% | 0.00% | 0.00% | 0.00% |
| 0.00x | 0.00x | 1.02x | 1.78x |
Mar 2022
- EPS (₹)
- -8.15
- Book Value (₹)
- 2569.87
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 0.69
- Operating Margin %
- 2.35%
- Net Margin %
- -0.01%
- ROE %
- -0.32%
- ROCE %
- 12.31%
- -0.06%
- Debtor Days
- 50
- Inventory Days
- 0
- Payable Days
- 0
- 50
- Debt to Equity (x)
- 1.38x
- Interest Coverage (x)
- 1.16x
- 1.24x
- Revenue Growth %
- 0.00%
- Operating Profit Growth %
- 0.00%
- Net Profit Growth %
- 0.00%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2023
- EPS (₹)
- 1152.48
- Book Value (₹)
- 3722.68
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 2.15
- Operating Margin %
- 3.18%
- Net Margin %
- 1.34%
- ROE %
- 36.63%
- ROCE %
- 29.60%
- 7.51%
- Debtor Days
- 37
- Inventory Days
- 0
- Payable Days
- 0
- 37
- Debt to Equity (x)
- 1.27x
- Interest Coverage (x)
- 3.44x
- 1.59x
- Revenue Growth %
- 53.72%
- Operating Profit Growth %
- 107.85%
- Net Profit Growth %
- 0.00%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2024
- EPS (₹)
- 3593.63
- Book Value (₹)
- 7316.31
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 5.62
- Operating Margin %
- 5.58%
- Net Margin %
- 2.98%
- ROE %
- 65.11%
- ROCE %
- 49.29%
- 16.54%
- Debtor Days
- 41
- Inventory Days
- 0
- Payable Days
- 0
- 41
- Debt to Equity (x)
- 1.08x
- Interest Coverage (x)
- 7.94x
- 1.48x
- Revenue Growth %
- 40.45%
- Operating Profit Growth %
- 147.39%
- Net Profit Growth %
- 211.82%
- 211.82%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 1.02x
Mar 2025
- EPS (₹)
- 6.06
- Book Value (₹)
- 25.47
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 7.14
- Operating Margin %
- 6.57%
- Net Margin %
- 3.81%
- ROE %
- 35.98%
- ROCE %
- 34.15%
- 15.51%
- Debtor Days
- 51
- Inventory Days
- 0
- Payable Days
- 0
- 51
- Debt to Equity (x)
- 0.52x
- Interest Coverage (x)
- 9.44x
- 2.16x
- Revenue Growth %
- 17.49%
- Operating Profit Growth %
- 40.02%
- Net Profit Growth %
- 50.32%
- -99.83%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 1.78x
Documents
Announcements
Nothing filed yet.
Annual Reports
Nothing filed yet.
Credit Ratings
Nothing filed yet.
Concalls
Jun 2026
Dec 2025