Turtlemint Fintech Solutions Limited TURTLEMINT NSEFINANCIAL
Company Overview
Turtlemint Fintech Solutions Limited operates as a tech-enabled insurance distribution platform that connects customers, insurance advisors and insurers in India. The company offers products, such as health, car, bike, retirement, and life insurance, as well as mutual funds, loans, and credit cards. It also develops Insurance Hub, a cloud-based platform that provides a suite of APIs offering access to a broad catalogue of insurance products, KYC services, and a transformation and rules engine; Integration Studio, a developer-centric environment that supports the entire lifecycle of API integrations; Ninja SalesPro app, a tool designed for relationship managers; Turtlemint Academy, a digital learning and development platform designed to enhance the knowledge, skills, and productivity; TurtlemintPro, a tool for digital partners, providing access to income-generating opportunities and avenues for professional development; Turtlefin, an embedded insurance and SaaS solutions for banks, NBFCs, insurers, and e-commerce platforms; and Turtlemint Consumer App, an application for customers to manage their policies, track benefits, and handle claims. Turtlemint Fintech Solutions Limited was incorporated in 2015 and is based in Mumbai, India.
Why Investors Should Care
Net profit has compounded at 14.3% per year over the last five years.
Revenue has grown at a 14.1% CAGR over the past five years.
Carries low leverage with a debt-to-equity ratio of 0.06.
Recent Developments
- Mar 2025 Revenue of ₹700.26 Cr (+24.1% YoY); net profit ₹-202.56 Cr.
- Trailing 12 Months Year-on-year growth — revenue +38.1%.
- 5-Year Trend Long-term compounding — revenue CAGR 14.1%, profit CAGR 14.3%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 14.09% |
| 1 Year: | 38.10% |
Compounded Profit Growth
| 5 Years: | 14.31% |
| 1 Year: | - |
Stock Price Performance
| 1 Year: | -53.70% |
| 6 Months: | - |
| 3 Months: | -50.70% |
| 1 Month: | -52.22% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- RSI (14)21.38 · Oversold
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
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 14.1% over 5 years.
- Profit CAGR of 14.3% over 5 years.
CONS
- Trading 59.2% below its 52-week high.
- RSI at 21 suggests oversold conditions.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | TURTLEMINT Turtlemint Fintech Solutions Limited NSEFINANCIAL | 62.67 | -10.21 | ₹1,845.50 Cr | 0.00% | -45.31% | -49.35% | 14.09% | 14.31% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 706.95 | 15.45 | ₹10.90 L Cr | 1.88% | - | 13.84% | 16.90% | 12.47% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,385.00 | 17.90 | ₹9.94 L Cr | 0.89% | - | 16.07% | 18.11% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 963.00 | 10.32 | ₹8.89 L Cr | 1.82% | - | 15.18% | 12.19% | 14.39% |
| 5 | BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL | 926.00 | 28.43 | ₹5.77 L Cr | 0.56% | - | 16.68% | 22.58% | 18.23% |
| 6 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 437.80 | 21.46 | ₹4.36 L Cr | 0.15% | - | 10.64% | 13.48% | 8.92% |
| 7 | AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL | 1,210.00 | 13.61 | ₹3.77 L Cr | 0.08% | - | 13.35% | 12.16% | 34.61% |
| 8 | BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL | 1,690.00 | 26.83 | ₹2.70 L Cr | 0.07% | - | 12.58% | 22.92% | 15.16% |
| 9 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 392.05 | 8.26 | ₹2.48 L Cr | 2.59% | - | 32.53% | 7.26% | 16.86% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in INR.
| Metric | Mar 2025 |
|---|---|
| Revenue | 289.20 Cr |
| Cost of Revenue | 88.91 Cr |
| Gross Profit | 200.29 Cr |
| Operating Expenses | 251.89 Cr |
| Operating Income | -51.60 Cr |
| EBITDA | -41.65 Cr |
| Interest Expense | 60.60 L |
| Pretax Income | -50.01 Cr |
| Tax Provision | -2.11 Cr |
| Net Income | -47.90 Cr |
| Diluted EPS | - |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|
| Revenue | 537.98 Cr | 564.17 Cr | 700.26 Cr |
| Cost of Revenue | 263.57 Cr | 280.22 Cr | 235.47 Cr |
| Gross Profit | 274.40 Cr | 283.95 Cr | 464.80 Cr |
| Operating Expenses | 592.09 Cr | 505.47 Cr | 689.21 Cr |
| Operating Income | -317.68 Cr | -221.52 Cr | -224.41 Cr |
| EBITDA | -259.39 Cr | -153.36 Cr | -167.47 Cr |
| Interest Expense | 3.23 Cr | 3.34 Cr | 2.39 Cr |
| Pretax Income | -281.74 Cr | -184.22 Cr | -199.87 Cr |
| Tax Provision | 2.02 Cr | 2.77 Cr | 2.69 Cr |
| Net Income | -283.76 Cr | -186.99 Cr | -202.56 Cr |
| Diluted EPS | -10.99 | -7.06 | -7.65 |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|
| Total Assets | 900.37 Cr | 612.54 Cr | 578.69 Cr |
| Current Assets | 824.52 Cr | 549.40 Cr | 499.49 Cr |
| Cash & Equivalents | 90.22 Cr | 86.69 Cr | 91.37 Cr |
| Inventory | - | - | - |
| Receivables | 104.79 Cr | 37.26 Cr | 160.35 Cr |
| Total Liabilities | 156.92 Cr | 48.74 Cr | 168.23 Cr |
| Current Liabilities | 131.59 Cr | 32.54 Cr | 142.88 Cr |
| Long Term Debt | - | - | - |
| Total Debt | 26.07 Cr | 19.12 Cr | 26.60 Cr |
| Total Equity | 743.45 Cr | 563.80 Cr | 410.46 Cr |
| Shares Outstanding | 29.45 Cr | 29.45 Cr | 29.45 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|
| Operating Cash Flow | -285.92 Cr | -241.67 Cr | -215.81 Cr |
| Investing Cash Flow | -579.32 Cr | 247.79 Cr | 235.23 Cr |
| Financing Cash Flow | 902.68 Cr | -9.65 Cr | -14.74 Cr |
| Capital Expenditure | -12.02 Cr | -1.30 Cr | -2.01 Cr |
| Free Cash Flow | -297.94 Cr | -242.97 Cr | -217.82 Cr |
| Net Change in Cash | 37.45 Cr | -3.52 Cr | 4.68 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|
| Gross Margin % | 51.0% | 50.3% | 66.4% |
| Operating Margin % | -59.1% | -39.3% | -32.0% |
| Net Margin % | -52.7% | -33.1% | -28.9% |
| ROE % | -38.2% | -33.2% | -49.3% |
| ROCE % | -41.3% | -38.2% | -51.5% |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for TURTLEMINT
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TURTLEMINT — Frequently Asked Questions
What is the current share price of Turtlemint Fintech Solutions Limited (TURTLEMINT)?
As of 2026-10-23 04:58 IST, Turtlemint Fintech Solutions Limited (TURTLEMINT) trades at ₹62.67 on NSE. Its 52-week range is ₹62.67 to ₹153.64.
What is the market capitalisation of TURTLEMINT?
Turtlemint Fintech Solutions Limited (TURTLEMINT) has a market capitalisation of ₹1,845.50 Cr on NSE.
What is the P/E ratio of TURTLEMINT?
TURTLEMINT trades at a trailing price-to-earnings (P/E) ratio of -10.21. The industry average P/E is 15.36. Its price-to-book (P/B) ratio is 1.20.
What is the return on equity (ROE) of TURTLEMINT?
TURTLEMINT has a return on equity (ROE) of -49.35%. Its return on capital employed (ROCE) is -45.31%.
Is TURTLEMINT a good stock to buy?
This page provides a data-driven analysis of Turtlemint Fintech Solutions Limited (TURTLEMINT), 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.