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    Finance/Rental/Leasing
Finkurve Financial Services Ltd.

Finkurve Financial Services Ltd.

64.00
INR
+0.78
(+1.23%)
2.06EPS
31.09P/E
9.15BMarket Cap
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
42.88
95.22
51.12
33.78
30.9
1.78
2.19
2.07
1.78
3.97
7.04
10.92
14.91
17.17
Basic EPS, GAAP
-0.04
0.07
0.12
0.06
0.2
0.05
0.36
0.36
1.7
1.13
1.27
1.37
1.89
2.1
Free Cash Flow per Basic Share
1.26
-2.38
-3.62
0.7
-2.88
3.13
-7.16
0.32
2.22
-1.67
-1.09
-10.88
-41.55
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
1.16
1.22
1.34
1.4
1.56
1.6
10.5
10.86
12.46
13.6
14.88
16.26
24.63
- -
Tangible Book Value per Share
1.15
1.22
1.34
1.4
1.56
1.6
10.5
10.85
12.46
13.6
14.86
16.25
24.62
- -
Basic Weighted Avg Shares
97
97
97
97
97
97
112
127
127
127
127
127
138
140
Sales/Revenue/Turnover
4,143
9,198
4,938
3,263
2,985
172
246
263
226
504
893
1,388
2,054
2,404
Operating Margin (%)
0.03
0.16
2.04
0.14
0.91
6.58
24.64
35.65
37
40.44
47.34
28.3
25.45
21.34
Depreciation Expense
1
1
1
1
1
1
5
9
3
4
5
11
34
38
Net Income, GAAP
-4
7
12
6
20
5
41
46
216
143
161
174
260
294
Effective Tax Rate (%)
- -
29.66
33.29
31.93
35.81
37.71
23.55
28.23
20.14
26.91
24.26
26.3
24.75
24.6
Profit Margin (%)
-0.1
0.07
0.24
0.18
0.66
2.62
16.52
17.44
95.45
28.45
17.99
12.55
12.68
12.22
Working Capital
119
143
163
824
1,259
1,071
1,334
-332
1,291
1,562
1,922
2,569
11,524
- -
LT Debt
38
43
47
693
1,109
935
43
57
77
78
248
829
8,471
- -
Total Equity
130
138
151
157
173
177
1,355
1,400
1,580
1,725
1,887
2,064
3,449
- -
Return on Invested Capital (%)
- -
4.02
2.02
0.71
1.1
0.22
2.25
1.62
2.59
7.6
6.77
4.39
2.76
- -
Return on Capital (%)
- -
5.4
10.09
7.56
1.23
0.2
2.01
2.25
10.84
7.3
6.82
5.39
3.18
- -
Return on Common Equity (%)
-3.73
5.71
9.65
4.46
13.8
2.95
5.46
3.38
14.61
8.67
8.9
8.81
9.44
- -

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
8,359
- -
LT Finance Leases
- -
112
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
140
140
140
Market Capitalization
13,921
7,152
9,146

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
11,728
- -
Cash, Cash Equivalents & STI
- -
1,021
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
204
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
79.2%
21.58%
67.11%
Free Cash Flow
29.26%
321.16%
313.86%
Net Income, GAAP
132.77%
81.64%
49.56%
Sales/Revenue/Turnover
20.26%
57.88%
48.01%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
284
319
381
403
1,388
2026
398
479
514
662
2,054
2027
748
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
0.35
0.27
0.44
0.31
1.37
2026
0.38
0.42
0.5
0.58
1.89
2027
0.6
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Naveen Kottala
Full Time Employees
339
Sector
Finance
Industry
Finance/Rental/Leasing
Address
202/A, Trade World, D-Wing Mumbai MH India 400013
IPO Date
May 20, 2008
Website
arvog.com
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Business
Finkurve Financial Services Limited is a non-deposit taking, Base Layer Non-Banking Financial Company (NBFC) headquartered in Mumbai, India, and incorporated in 1984. The company operates primarily in the financial services sector, offering a diversified loan portfolio including gold loans, payday loans, education loans, and MSME loans. It also provides long-term and short-term loans to corporate entities and firms. Finkurve has expanded its retail loan segment significantly, increasing its secured loans focus, especially in gold loans, through collaborations with fintech companies and digital platforms. The company operates an extensive branch network across India to support its retail and corporate lending activities. Finkurve Financial Services markets its products under various service offerings such as Bullion India, Go Saffron, Bullion++, and Gold & Silver Indices (GSI), and also issues Optionally Convertible Debentures (OCDs). The company focuses on providing financial solutions aimed at retail customers and corporate clients across India. In recent years, Finkurve has undertaken strategic initiatives including a partnership with Augmont Goldtech Private Limited to exclusively use the "Augmont Gold For All" platform, facilitating its gold loan business. The company has also raised capital through preferential issuances, with proceeds fully utilized in accordance with stated objectives. Operationally, it has grown its Assets Under Management (AUM) and broadened its retail loan base from 5% in 2021 to approximately 40% by 2023, aiming to bring down corporate loan exposure below 50%. In the fiscal year ending 2025, Finkurve reported robust financial performance with net profit growth and increased sales driven by expansion and diversification of its loan book. Finkurve Financial Services is listed on the Bombay Stock Exchange (BSE) under the ticker FINKURVE.NS and continues to leverage technology and strategic partnerships to enhance its portfolio and customer reach across India, maintaining a focus on trust, transparency, and accessible financial solutions. This comprehensive business profile reflects Finkurve’s core activities in providing varied loan products, recent strategic partnerships for digital gold loan servicing, significant growth in retail financial services, and ongoing operational expansion within the Indian market.