Finkurve Financial Services Limited share price
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.Read more
- Market Cap₹ 960 Cr.
- Current Price₹ 68.51
- High / Low₹ 125 / 48
- Stock P/E33.3
- Book Value₹ 25
- Dividend Yield0.00 %
- Price / Book2.75
- ROE9.40 %
- Face Value₹ 1.0
More figures (8)
- EPS (TTM)₹ 2.06
- Net margin12.7 %
- Sales growth (4Y)59.8 %
- Profit growth (4Y)22.0 %
- Promoter holding82.6 %
- EV / EBITDA—
- Beta0.33
- All-time high₹ 135
Price chart
| Returns | 1M | 3M | 6M | YTD | 1Y | 3Y CAGR | 5Y CAGR |
|---|---|---|---|---|---|---|---|
| FINKURVE | -6.14% | +7.21% | +0.06% | -31.08% | -42.71% | — | — |
| Nifty 50 | -0.31% | -3.85% | -4.34% | -11.42% | -9.53% | +5.46% | +4.76% |
Price returns only (dividends not included). Prices from NSE via Yahoo Finance; may be delayed.
Quick take
- Finkurve Financial Services Limited is in the Credit Services industry (Financial Services), with a market value of ₹960 crore.
- It trades at 33.3 times its last 12 months' earnings and 2.8 times book value.
- Revenue grew 59.8% a year over the last 4 years, profit 22.0% a year.
- Return on equity was 9.4% in the latest year.
- The share price is 45.2% below its 52-week high and down 42.7% over one year.
- Promoters and insiders hold about 82.6%; institutions about 0.0%.
Pros
AINo standout strengths in the reported figures.
Cons
AI- Return on equity has been low: 9.0% on average over the last 3 years.
- The company has not paid a dividend recently.
Pros and cons are generated automatically from the reported figures. They are observations, not a recommendation to buy or sell.
AI analysis
Plenitude AI reads the figures on this page and explains them in plain language. It does not say whether to buy or sell.
About Finkurve Financial Services Limited
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.
- Employees
- 339
- Head office
- Mumbai
Peer comparison
Financial ServicesCredit Services
| S.No. | Company | CMP ₹ | P/E | Mar Cap ₹ Cr | Div Yld % | NP Qtr ₹ Cr | Qtr Profit Var % | Sales Qtr ₹ Cr | Qtr Sales Var % | ROCE % | ROE % | P/B | OPM % | Debt / Eq | Prom. Hold. % | Sales ₹ Cr | Sales Var 3Yrs % |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | Finkurve Financial Services | 68.51 | 33.3 | 960 | 0.00 | 8 | — | 75 | — | 2.9 | 9.4 | 2.75 | 25.5 | 2.46 | 82.62 | 207 | 59.8 |
| 2. | Bajaj Finance | 982.10 | 29.4 | 6,11,250 | 0.56 | 6,081 | 27.60 | 23,165 | 18.65 | — | 18.1 | 5.36 | — | 3.10 | 56.50 | 81,982 | 22.6 |
| 3. | Shriram Finance | 939.95 | 16.6 | 2,21,178 | 1.14 | 3,453 | 61.06 | 7,923 | 30.61 | — | 16.4 | 2.68 | — | 2.76 | 22.17 | 25,034 | 13.9 |
| 4. | Tata Capital | 322.80 | 25.3 | 1,36,115 | 0.18 | 1,628 | — | 8,822 | — | 3.7 | 12.3 | 2.97 | 28.9 | 4.97 | 85.96 | 31,540 | 34.5 |
| 5. | Cholamandalam Investment and Finance Company | 1,574.40 | 23.3 | 1,35,007 | 0.13 | 1,656 | 45.56 | 8,856 | 21.87 | — | 19.3 | 4.40 | — | 6.95 | 51.95 | 31,073 | 32.8 |
| 6. | Power Finance Corporation | 333.25 | 4.2 | 1,09,976 | 4.56 | 8,998 | 0.18 | 28,527 | -0.04 | — | 20.7 | 0.77 | — | 7.62 | 56.00 | 1,15,444 | 16.2 |
| 7. | Indian Railway Finance Corporation | 80.25 | 14.2 | 1,04,875 | 2.66 | 1,958 | -44.40 | 7,866 | -40.80 | 3.8 | 12.8 | 1.85 | 64.8 | 7.69 | 82.90 | 27,285 | 4.6 |
| 8. | Muthoot Finance | 2,598.30 | 9.2 | 1,04,314 | 1.15 | 2,799 | 38.83 | 5,236 | 27.38 | — | 30.9 | 2.57 | — | 3.86 | 73.35 | 20,265 | 38.0 |
| 9. | REC | 307.80 | 5.1 | 81,051 | 4.39 | 4,193 | -2.72 | 4,430 | -31.54 | — | 20.0 | 0.96 | — | 6.05 | 52.65 | 21,834 | 14.4 |
| 10. | L&T Finance | 253.85 | 18.6 | 63,625 | 1.05 | 902 | 41.86 | 3,086 | 32.29 | — | 11.1 | 2.26 | — | 3.94 | 65.95 | 10,635 | 17.7 |
| Median: 45 Co. | 328.03 | 15.4 | 18,049 | 0.18 | 2,379 | 33.22 | 7,895 | 20.26 | 3.7 | 11.9 | 1.89 | 36.2 | 4.46 | 61.23 | 26,159 | 17.7 |
Companies in the same industry; the median covers every company in it that we hold figures for. Tap a heading to sort. Sorting and comparing are ways to explore data, not recommendations.
Quarterly Results
Standalone figures in ₹ crore
Source: the company's results filed with NSE, as reported. Tap a row marked + for its breakdown. Latest quarter on the right.
Profit & Loss
Standalone figures in ₹ crore
Projection — your assumptions
Starts from the last four reported quarters (TTM) and applies the figures you enter; growth is pre-filled with the company's own past sales growth. This is a what-if calculator for illustration, not a forecast, estimate or recommendation.
Related party transactions
Related-party transactions are dealings with promoters, directors, subsidiaries and associates. Companies disclose them to the exchanges every half-year and in detail in the notes to their annual report.
No separate related-party filing among the recent announcements of the company.
Full details: notes to the Financial Year 2026 annual report (related party disclosures).
| ₹ Cr | Mar 2026 | TTM |
|---|---|---|
| Revenue | 207 | 242 |
| Interest | 49 | 69 |
| 126 | 138 | |
| Employee Cost % | 9% | 11% |
| Fees & Commission % | 34% | 30% |
| Credit Cost % | 11% | 7% |
| Other Expenses % | 6% | 6% |
| Financing Profit | 32 | 36 |
| Financing Margin % | 15% | 15% |
| Other Income | 3 | 3 |
| Depreciation | 3 | 4 |
| Profit before tax | 35 | 39 |
| 25% | 25% | |
| Current tax | 9 | |
| Net Profit | 26 | 29 |
| EPS in Rs | 1.89 | 2.10 |
Compounded Sales Growth
- TTM:
- 0%
Compounded Profit Growth
- TTM:
- 0%
Stock Price CAGR
- 1 Year:
- -43%
Return on Equity
- 4 Years:
- 9%
- Last Year:
- 9%
Financial years ending March; TTM = the last four quarters. Source: the company's results filed with NSE, as reported. Tap a row marked + for its breakdown. Dividend payout = dividends paid in the year ÷ net profit.
Balance Sheet
Consolidated figures in ₹ crore, as at 31 March
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Equity Capital | 13 | 13 | 13 | 14 |
| Reserves | 160 | 176 | 194 | 331 |
| 52 | 75 | 241 | 847 | |
| Long term borrowings | 8 | 25 | 79 | 836 |
| Short term borrowings | 44 | 51 | 158 | |
| 10 | 20 | 29 | 41 | |
| Trade payables | 4 | 6 | 16 | 20 |
| Current liabilities | 54 | 70 | 185 | 20 |
| Total Liabilities | 235 | 284 | 477 | 1,233 |
| 1 | 1 | 15 | 27 | |
| Gross block | 2 | 2 | 17 | 27 |
| Accumulated depreciation | 1 | 1 | 2 | |
| Goodwill & intangibles | 0 | 0 | 0 | 0 |
| CWIP | 8 | |||
| 233 | 283 | 454 | 1,206 | |
| Cash & equivalents | 4 | 9 | 15 | 102 |
| Current assets | 210 | 262 | 442 | 1,173 |
| Total Assets | 235 | 284 | 477 | 1,233 |
Source: Yahoo Finance (compiled from the annual reports). Tap a row marked + for its breakdown.
Cash Flows
Consolidated figures in ₹ crore, financial years ending March
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| -20 | -7 | -134 | -566 | |
| Profit for the year | 14 | 16 | 17 | 26 |
| Working capital changes | -41 | -52 | -185 | -667 |
| Direct taxes paid | -4 | -4 | -6 | -8 |
| -1 | -6 | -5 | -7 | |
| Fixed assets purchased | -1 | -7 | -4 | -6 |
| Investments purchased | -6 | -1 | -0 | -17 |
| Investments sold | 6 | 1 | 0 | 17 |
| 23 | 18 | 145 | 659 | |
| Interest paid | -5 | -6 | -16 | -48 |
| Net Cash Flow | 2 | 4 | 7 | 87 |
| Free Cash Flow | -21 | -14 | -138 | -572 |
Free cash flow = cash from operations − capital expenditure. Source: Yahoo Finance.
Ratios
| Ratio | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| ROE | — | 8.3% | 8.9% | 8.8% | 9.4% |
| Net margin | — | 28.4% | 18.0% | 12.5% | 12.7% |
Computed from the reported statements: ROE on average equity; ROCE = EBIT / (total assets − current liabilities). Debtor days = receivables ÷ sales × 365; inventory and payable days use cost of goods sold; cash conversion cycle = debtor + inventory − payable days; working capital days = (current assets − current liabilities) ÷ sales × 365.
Shareholding Pattern
Numbers in percentages · as filed with NSE each quarter
- Promoters 56.21%
- FIIs 7.80%
- Public 35.99%
| % | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|
| Promoters | 56.26% | 56.24% | 56.24% | 56.21% | 56.21% |
| 6.70% | 6.70% | 7.03% | 7.30% | 7.80% | |
| Foreign portfolio investors (Cat. I) | 1.41% | 1.41% | 1.73% | 2.01% | 2.51% |
| Foreign portfolio investors (Cat. II) | 5.30% | 5.29% | 5.29% | 5.29% | 5.29% |
| 37.04% | 37.05% | 36.73% | 36.50% | 35.99% | |
| Retail (up to ₹2 lakh) | 7.71% | 7.83% | 7.81% | 8.12% | 7.93% |
| HNIs (above ₹2 lakh) | 22.78% | 22.58% | 22.53% | 22.20% | 21.74% |
| NRIs | 2.71% | 2.82% | 2.95% | 2.75% | 2.73% |
| Bodies corporate | 2.29% | 2.25% | 2.10% | 2.21% | 2.16% |
| No. of Shareholders | 2,788 | 2,976 | 3,356 | 3,433 | 3,978 |
Source: shareholding patterns filed by the company with NSE. Public = non-institutional holders. Tap a row marked + for its breakdown.
Documents
Announcements
- UpdatesFinkurve Financial Services Limited has informed the Exchange regarding 'Intimation for interest payment for NCD holder of ISIN INE734I07073 as on record date September 27, 2026'.12-Oct-2026
- Certificate under SEBI (Depositories and Participants) Regulations, 2018Finkurve Financial Services Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 201809-Oct-2026
- Certificate under SEBI (Depositories and Participants) Regulations, 2018Finkurve Financial Services Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 201808-Oct-2026
- UpdatesFinkurve Financial Services Limited has informed the Exchange regarding 'Intimation for interest payment to concerned NCD Holders as on record date September 22, 2026 for ISIN INE…06-Oct-2026
- Resignation of Director/KMP/SMPFinkurve Financial Services Limited has informed the Exchange about Resignation of Director/KMP/SMP01-Oct-2026
- Outcome of Board MeetingFinkurve Financial Services Limited has informed the Exchange regarding Outcome of Board Meeting held on October 01, 2026.01-Oct-2026
- Outcome of Board MeetingFinkurve Financial Services Limited has informed the Exchange regarding Outcome of Board Meeting held on October 01, 2026.01-Oct-2026
- Outcome of Board MeetingFinkurve Financial Services Limited has informed the Exchange regarding Outcome of Board Meeting held on October 01, 2026.01-Oct-2026
- Shareholders meetingFinkurve Financial Services Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on September 30, 2026. Further, the company has informed th…01-Oct-2026
- UpdatesFinkurve Financial Services Limited has informed the Exchange regarding 'Intimation for interest payment to concerned NCD Holders as on record date September 16, 2026 for ISIN-INE…30-Sep-2026
- Shareholders meetingFinkurve Financial Services Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on September 30, 202630-Sep-2026
- UpdatesFinkurve Financial Services Limited has informed the Exchange regarding 'Intimation for interest payment to concerned NCD holders as on record date September 15, 2026 of ISIN-INE7…28-Sep-2026
Annual reports
Credit ratings
- Credit Rating- NewFinkurve Financial Services Limited has informed the Exchange about Credit Rating- New11-Jun-2026
- Credit Rating- NewFinkurve Financial Services Limited has informed the Exchange about Credit Rating- New31-Mar-2026
- Credit Rating- RevisionFinkurve Financial Services Limited has informed the Exchange about Credit Rating- Revision13-Feb-2026
Concalls & investor meets
- Analysts/Institutional Investor Meet/Con. Call UpdatesFinkurve Financial Services Limited has informed the Exchange about Schedule of meet17-Sep-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesFinkurve Financial Services Limited has informed the Exchange about Schedule of meet11-Sep-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesFinkurve Financial Services Limited has informed the Exchange about Transcript19-Aug-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesFinkurve Financial Services Limited has informed the Exchange about Link of Recording13-Aug-2026
- Investor PresentationFinkurve Financial Services Limited has informed the Exchange about Investor Presentation13-Aug-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesFinkurve Financial Services Limited has informed the Exchange about Schedule of meet10-Aug-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesFinkurve Financial Services Limited has informed the Exchange about Transcript27-May-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesFinkurve Financial Services Limited has informed the Exchange about Audio Recording link of Earnings Call organized by the Company on May 21, 2026, on financial performance for th…21-May-2026
- Investor PresentationFinkurve Financial Services Limited has informed the Exchange about Investor Presentation21-May-2026
- Investor PresentationFinkurve Financial Services Limited has informed the Exchange about Investor Presentation20-May-2026
Filings made by the company with NSE; documents open on NSE's website.
Key dates
- Ex-dividend date
- 1 Jan 1970
- Latest quarter
- 30 Jun 2026
- Financial year end
- 31 Mar 2026
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Latest news
In the news
From the company (NSE)
- UpdatesFinkurve Financial Services Limited has informed the Exchange regarding 'Intimation for interest payment for NCD holder of ISIN INE734I07073 as on record date September 27, 2026'.NSE filing · 12-Oct-2026
- Certificate under SEBI (Depositories and Participants) Regulations, 2018Finkurve Financial Services Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018NSE filing · 09-Oct-2026
- Certificate under SEBI (Depositories and Participants) Regulations, 2018Finkurve Financial Services Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018NSE filing · 08-Oct-2026
- UpdatesFinkurve Financial Services Limited has informed the Exchange regarding 'Intimation for interest payment to concerned NCD Holders as on record date September 22, 2026 for ISIN INE…NSE filing · 06-Oct-2026
- Resignation of Director/KMP/SMPFinkurve Financial Services Limited has informed the Exchange about Resignation of Director/KMP/SMPNSE filing · 01-Oct-2026
- Outcome of Board MeetingFinkurve Financial Services Limited has informed the Exchange regarding Outcome of Board Meeting held on October 01, 2026.NSE filing · 01-Oct-2026
- Outcome of Board MeetingFinkurve Financial Services Limited has informed the Exchange regarding Outcome of Board Meeting held on October 01, 2026.NSE filing · 01-Oct-2026
- Outcome of Board MeetingFinkurve Financial Services Limited has informed the Exchange regarding Outcome of Board Meeting held on October 01, 2026.NSE filing · 01-Oct-2026
Headlines from news publishers (via Google News) and the filings of the company with NSE; they open on the source website. Headlines with price targets or buy/sell calls are left out. News is for information only and is not a recommendation.
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