Finkurve Financial Services

₹69.27As of Sun 8 Nov 2026, 12:00 UTC

NSE:FINKURVEFinancials

Country India

PE (Fwd) 30.32

TSR 10Y CAGR —

Div yield —

ROTE —

Credit Services

Beta (5Y) 0.33

PE TTM 37.31

TSR TTM (39.01%)

Mkt cap ₹9.538B

NIM —

SE Grade™

—

Value

Quality

—

Moat

—

1Y Price

Reference

₹76

9.23%

(48.64%)

Price above Reference Value

TTM

FYE 31 Mar INR

FY2017

FY2018

FY2019

FY2020

FY2021

FY2022

FY2023

FY2024

FY2025

FY2026

FY2027E

Trend

10Y

Peers

1.610

Revenue₹B

—

0.538

0.457

0.841

1.249

1.610

1.811

31.53%

28.88

Revenue growth%

—

(14.98)

84.01

48.43

28.88

12.53

38.66

—

NIM%

—

64.73

Effic. R.%

—

49.16

56.45

49.62

66.71

64.73

64.96

56.45

—

16.17

Net margin%

—

36.67

31.33

19.10

13.94

16.17

16.01

19.10

37.31

P/E ratio (avg)x

—

37.65

33.50

37.65

—

P/TBVx

—

P/Bx

—

1.554

NII₹B

—

0.156

0.330

0.462

1.185

1.554

1.774

77.56%

—

31.13

NII grth%

—

111.17

40.01

156.34

31.13

14.10

75.59

—

ROTE%

—

Return on equity%

—

Return on assets%

—

1.86

EPS₹

—

1.55

1.13

1.27

1.37

1.86

2.07

4.55%

—

35.65

EPS growth%

—

(27.37)

12.20

8.08

35.65

11.37

10.14

—

Bookvalue per sh₹

—

TBV/sh₹

—

Dividend per sh₹

—

Div yield (avg)%

—

Payout ratio%

—

140.2

Shares (diluted)M

—

126.9

127.2

140.2

◌140.2

2.52%

(10.25)

Buyback yield%

—

0.01

—

(0.22)

(10.25)

◌—

(0.11)

—

Eq/Assets%

—

Assets₹M

—

LT debt₹M

—

Peers (US$101.1M)

Cap (US$)

UGRO Capital Limited

116.4M

5.051x

Hexa Tradex Limited

91.65M

573.4x

Manba Finance Limited

76.23M

13.99x

Vakif Finansal…

100.5M

2.271x

Capital

TTM

10Y

Tang eq%

—

LT debt%

—

Cash%

—

Sh yield%

(10.25)

(0.11)

Owners

Insiders/Inst%

76.26

5.29

Short interest%

—

SBC / revenue%

1.25

Record

10Y

Profitable years

5/5

Revenue growth years

3/4

EPS growth years

3/4

Dividend streakyrs

ROE range%

—

$1 testx

—

Incr. ROIC%

—

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.

Growth vs revenue

Latest

Trend

4Y CAGR

Rel growth

Revenue

₹1.610B

31.53%

1.00×

Non-interest expense

₹1.042B

40.90%

1.32×

Revenue mix

Trend

Net interest income

96.58%

Non-interest income

3.42%

Reinvestment returns

n/m

Trend

Retention rate

n/m

Return on capital

n/m

Spread over hurdle

n/m