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Finkurve Financial Services Limited FINKURVE NSEFINANCIAL

Financial Services · Credit Services · India
https://www.arvog.com
Company Profile ↓
₹72.31
-38.73% 1Y
Mkt Cap₹1,012.71 Cr
P/E42.54
P/B2.37
52W High₹123.73
52W Low₹51.07
Book Value₹24.63
EPS (TTM)₹1.70

Company Overview

Finkurve Financial Services Limited, a non-banking financial company, provides loans and financial services in India. It offers personal loans; loans against gold jewelry; and other secured and unsecured lending, as well as inter-corporate loans. The company was formerly known as Sanjay Leasing Limited and changed its name to Finkurve Financial Services Limited in March 2012. Finkurve Financial Services Limited was incorporated in 1984 and is based in Mumbai, India.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 22.0% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 59.8% CAGR over the past five years.

Healthy Margins

Operating margin of 25.4% supports profitability.

Recent Developments

  • Mar 2026 Revenue of ₹205.37 Cr (+48.0% YoY); net profit ₹26.03 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +48.0%, earnings +49.6%.
  • 5-Year Trend Long-term compounding — revenue CAGR 59.8%, profit CAGR 22.0%.

Growth & Price Performance

Compounded Sales Growth

5 Years:59.78%
1 Year:48.01%

Compounded Profit Growth

5 Years:22.04%
1 Year:49.56%

Stock Price Performance

1 Year:-38.73%
6 Months:+8.07%
3 Months:+16.01%
1 Month:+22.15%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Mixed
52-Week Range 29% of range
₹51.07 ₹123.73
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMABelow
  • RSI (14)53.67 · Neutral
Price Performance
1M+22.15%
3M+16.01%
6M+8.07%
1Y-38.73%
Valuation vs Sector

P/E of 42.54 is above the sector median of 19.62 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Compounding revenue at 59.8% over 5 years.
  • Profit CAGR of 22.0% over 5 years.

CONS

  • Trading 41.6% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
42.54
Industry PE
19.62
Forward P/E est.
28.44
PEG Ratio
-
Book Value
₹24.63
Price to Book
2.37
P/S
5.95
EV/EBITDA
28.26
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
59.78%
Profit 5Y
22.04%
Revenue (YoY)
48.01%
Earnings (YoY)
49.56%

Profitability & Returns

ROCE
4.31%
ROE
7.55%
ROA
2.11%
Profit Margin
12.68%
Op Margin
25.45%
Gross Margin
33.35%
EPS (Latest Qtr)
₹0.56
EPS (TTM)
₹1.70

Balance Sheet & Liquidity

Debt/Equity
2.46
Quick Ratio
52.31
Current Ratio
57.46
Debt
₹847.15 Cr
Total Assets
₹1,233.04 Cr
Current Assets
₹1,172.76 Cr
Working Capital
₹1,152.36 Cr

Ownership

Promoter Holding
82.62%
Chg in Prom Hold
15.08%
FII / Inst Holding
0.00%
Chg in FII Hold
-7.02%

Financial Snapshot

Enterprise Value
₹1,012.71 Cr
Total Revenue (TTM)
₹205.37 Cr
EBITDA
₹55.69 Cr
Free Cash Flow
₹-572.38 Cr
Operating Cash Flow
₹-566.13 Cr
Shares Outstanding
₹14.01 Cr
Gross Margin
33.35%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 FINKURVE Finkurve Financial Services Limited NSEFINANCIAL 72.31 42.54 ₹1,012.71 Cr 0.00% 4.31% 7.55% 59.78% 22.04%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 712.10 15.57 ₹10.96 L Cr 1.77% - 8.63% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.20 19.03 ₹10.19 L Cr 0.82% - 14.93% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,016.10 11.15 ₹9.38 L Cr 1.60% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,060.50 34.76 ₹6.60 L Cr 0.47% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 415.35 9.14 ₹5.25 L Cr 2.58% - 32.53% 7.26% 16.86%
7 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 424.50 21.89 ₹4.22 L Cr 0.16% - 10.64% 13.48% 8.92%
8 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,273.00 15.07 ₹3.96 L Cr 0.08% - 12.27% 12.16% 34.61%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,970.00 32.30 ₹3.15 L Cr 0.06% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Dec 2023Sep 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 3.43 Cr3.73 Cr6.52 Cr10.55 Cr6.33 Cr7.25 Cr5.56 Cr8.88 Cr8.10 Cr10.49 Cr10.22 Cr27.74 Cr23.64 Cr-40.29 Cr39.83 Cr47.91 Cr51.39 Cr66.24 Cr
Cost of Revenue --------------27.59 Cr23.77 Cr29.28 Cr32.53 Cr48.03 Cr
Gross Profit --------------12.70 Cr16.06 Cr18.63 Cr18.86 Cr18.21 Cr
Operating Expenses 1.54 Cr2.18 Cr2.92 Cr4.31 Cr2.30 Cr2.20 Cr4.59 Cr5.39 Cr5.03 Cr6.41 Cr10.08 Cr6.60 Cr15.31 Cr-3.11 Cr4.65 Cr6.20 Cr4.97 Cr3.66 Cr
Operating Income --------------9.59 Cr11.41 Cr12.43 Cr13.89 Cr14.54 Cr
EBITDA --------------10.09 Cr12.16 Cr13.17 Cr14.47 Cr15.88 Cr
Interest Expense 1.25 Cr1.15 Cr2.02 Cr3.75 Cr1.79 Cr1.79 Cr1.85 Cr1.60 Cr55.00 L1.76 Cr59.00 L52.00 L1.65 Cr------
Pretax Income 70.00 L42.00 L1.68 Cr2.53 Cr2.09 Cr3.28 Cr-52.00 L1.46 Cr2.54 Cr2.12 Cr-52.00 L20.73 Cr6.63 Cr-5.25 Cr6.83 Cr7.39 Cr9.95 Cr10.42 Cr
Tax Provision 0001.25 Cr55.99 L79.02 L8.00 L52.01 L67.01 L57.01 L-17.00 L3.73 Cr1.71 Cr-1.33 Cr1.74 Cr1.47 Cr2.97 Cr2.38 Cr
Net Income 70.00 L42.00 L1.68 Cr1.27 Cr1.53 Cr2.49 Cr-43.00 L95.00 L1.87 Cr1.54 Cr-68.00 L17.01 Cr4.91 Cr-3.91 Cr5.09 Cr5.92 Cr6.98 Cr8.04 Cr
Diluted EPS 0.060.040.140.110.120.20-0.040.080.150.12-0.051.340.39-0.31-0.420.490.56

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 392.00 Cr415.00 Cr920.00 Cr494.00 Cr327.00 Cr299.00 Cr18.00 Cr25.00 Cr28.00 Cr-50.35 Cr89.33 Cr138.75 Cr205.37 Cr
Cost of Revenue ----------25.30 Cr40.60 Cr89.77 Cr136.88 Cr
Gross Profit ----------25.05 Cr48.73 Cr48.98 Cr68.49 Cr
Operating Expenses 390.00 Cr414.00 Cr917.00 Cr484.00 Cr317.00 Cr288.00 Cr5.00 Cr11.00 Cr14.00 Cr-4.69 Cr6.44 Cr9.71 Cr16.22 Cr
Operating Income ----------20.36 Cr42.29 Cr39.27 Cr52.27 Cr
EBITDA ----------20.71 Cr22.46 Cr40.32 Cr55.69 Cr
Interest Expense 2.00 Cr1.00 Cr2.00 Cr8.00 Cr9.00 Cr8.00 Cr12.00 Cr8.00 Cr7.00 Cr5.07 L68.36 L76.21 L2.41 Cr-
Pretax Income 1.00 Cr-02.00 Cr2.00 Cr1.00 Cr2.00 Cr1.00 Cr5.00 Cr6.00 Cr-19.60 Cr21.22 Cr23.62 Cr34.60 Cr
Tax Provision 30.00 L-060.00 L66.00 L31.00 L72.00 L38.00 L1.20 Cr1.68 Cr-5.27 Cr5.15 Cr6.21 Cr8.56 Cr
Net Income 1.00 Cr-01.00 Cr1.00 Cr1.00 Cr2.00 Cr04.00 Cr5.00 Cr-14.32 Cr16.07 Cr17.41 Cr26.03 Cr
Diluted EPS 0.05-0.040.070.120.060.200.050.320.361.70----

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 30.00 Cr18.00 Cr45.00 Cr88.00 Cr98.00 Cr133.00 Cr112.00 Cr215.00 Cr225.00 Cr-234.61 Cr283.65 Cr476.94 Cr1,233.04 Cr
Current Assets ----------210.41 Cr262.16 Cr441.56 Cr1,172.76 Cr
Cash & Equivalents ----------4.46 Cr8.66 Cr15.45 Cr102.12 Cr
Inventory --------------
Receivables ---------1.27 Cr0-00
Total Liabilities ----------62.11 Cr94.95 Cr270.54 Cr888.14 Cr
Current Liabilities ----------54.22 Cr69.98 Cr184.62 Cr20.41 Cr
Long Term Debt ----------7.82 Cr24.84 Cr79.41 Cr835.93 Cr
Total Debt ----------51.63 Cr75.39 Cr241.08 Cr847.15 Cr
Total Equity 11.00 Cr12.00 Cr12.00 Cr13.00 Cr14.00 Cr16.00 Cr16.00 Cr134.00 Cr138.00 Cr-172.50 Cr188.70 Cr206.39 Cr344.90 Cr
Shares Outstanding ----------12.69 Cr12.69 Cr12.69 Cr14.01 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow 1.00 Cr12.00 Cr-23.00 Cr-35.00 Cr7.00 Cr-28.00 Cr30.00 Cr-81.00 Cr4.00 Cr--20.29 Cr-7.06 Cr-133.82 Cr-566.13 Cr
Investing Cash Flow -1.00 Cr1.00 Cr0-00-1.00 Cr-0-2.00 Cr-0--90.27 L-6.34 Cr-4.58 Cr-6.51 Cr
Financing Cash Flow -2.00 Cr-11.00 Cr25.00 Cr33.00 Cr-6.00 Cr28.00 Cr-29.00 Cr85.00 Cr-4.00 Cr-23.02 Cr17.59 Cr145.20 Cr659.31 Cr
Capital Expenditure 000000000--85.13 L-6.80 Cr-4.48 Cr-6.24 Cr
Free Cash Flow 1.00 Cr12.00 Cr-23.00 Cr-35.00 Cr7.00 Cr-28.00 Cr30.00 Cr-81.00 Cr4.00 Cr--21.14 Cr-13.86 Cr-138.30 Cr-572.38 Cr
Net Change in Cash -1.00 Cr2.00 Cr2.00 Cr-2.00 Cr1.00 Cr-1.00 Cr1.00 Cr2.00 Cr-1.00 Cr-1.83 Cr4.19 Cr6.80 Cr86.67 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ----------49.8%54.6%35.3%33.3%
Operating Margin % ----------40.4%47.3%28.3%25.5%
Net Margin % 0.3%-0.0%0.1%0.2%0.3%0.7%0.0%16.0%17.9%-28.4%18.0%12.5%12.7%
ROE % 9.1%-0.0%8.3%7.7%7.1%12.5%0.0%3.0%3.6%-8.3%8.5%8.4%7.5%
ROCE % ----------11.3%19.8%13.4%4.3%

Shareholding Pattern

Insiders
82.62%
Institutions
0.00%
Public Float
0.00%

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for FINKURVE

Google News Sun, 06 Sep 2026

Finkurve Financial Q1FY27 net profit up 66% to ₹843.81 lakh on AUM growth - scanx.trade

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Google News hu, 03 Sep 2026

Finkurve Financial Services Gains 1.01% to ₹70.23: Navigating Key Support and Resistance Levels - Day Trade Opportunities - siam.in

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Google News Fri, 28 Aug 2026

Finkurve Financial Services Ltd. Peer Comparison – Compare with Others - Value Research

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Google News hu, 20 Aug 2026

Finkurve Financial Services Ltd. Share Price Rises 8.83% - Univest

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Google News Wed, 01 Jul 2026

FINKURVE Mar 2026 Earnings: NBFC Posts EPS of ₹0.57; Stock Edges Higher Amid Sparse Data - Earnings Surprise Score - vinanet.vn

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Google News Fri, 04 Sep 2026

Finkurve closes trading window for Q1FY27 results - scanx.trade

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FINKURVE — Frequently Asked Questions

What is the current share price of Finkurve Financial Services Limited (FINKURVE)?

As of 2026-09-08 04:53 IST, Finkurve Financial Services Limited (FINKURVE) trades at ₹72.31 on NSE. Its 52-week range is ₹51.07 to ₹123.73.

What is the market capitalisation of FINKURVE?

Finkurve Financial Services Limited (FINKURVE) has a market capitalisation of ₹1,012.71 Cr on NSE.

What is the P/E ratio of FINKURVE?

FINKURVE trades at a trailing price-to-earnings (P/E) ratio of 42.54. The industry average P/E is 19.62. Its price-to-book (P/B) ratio is 2.37.

What is the return on equity (ROE) of FINKURVE?

FINKURVE has a return on equity (ROE) of 7.55%. Its return on capital employed (ROCE) is 4.31%.

Is FINKURVE a good stock to buy?

This page provides a data-driven analysis of Finkurve Financial Services Limited (FINKURVE), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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