Finkurve Fin.

Why is Finkurve Financial Services Ltd falling/rising?

As of 03-Aug, Finkurve Financial Services Ltd is experiencing a decline in its stock price, currently at Rs 59.91, reflecting a change of -2.43 (-3.9%). The stock has significantly underperformed compared to the Sensex, with a year-to-date decline of 39.85% and a lack of investor confidence indicated by 0% domestic mutual fund holdings.

As of 03-Aug, Finkurve Financial Services Ltd is experiencing a decline in its stock price, currently at Rs 59.91, reflecting a change of -2.43 (-3.9%). The stock has underperformed significantly compared to the benchmark Sensex, which has risen by 2.35% over the past week, while Finkurve's stock has dropped by 3.21%. Over the past month, the stock has fallen by 7.99%, contrasting sharply with the Sensex's modest gain of 1.13%.<BR><BR>The stock's performance has been consistently poor, with a year-to-date decline of 39.85% compared to the Sensex's decline of 7.72%. Over the past year, Finkurve's stock has plummeted by 47.03%, while the Sensex has only decreased by 2.43%. This trend continues over a three-year period, where Finkurve has lost 17.84% against a 20.54% gain in the Sensex.<BR><BR>Today's trading session has also shown weakness, with the stock underperforming its sector by 5.46%. It reached an intraday low of Rs 59.31, marking a decrease of 4.86%. Additionally, Finkurve is trading below its moving averages across various time frames, indicating a bearish trend.<BR><BR>Despite some positive financial indicators, such as a growth in operating profit and net sales, the overall sentiment remains negative due to weak long-term fundamental strength, as evidenced by an average return on equity (ROE) of only 8.23%. Furthermore, the lack of investment from domestic mutual funds, which hold 0% of the company, suggests a lack of confidence in its valuation or business prospects.<BR><BR>In summary, Finkurve Financial Services Ltd is falling primarily due to its significant underperformance relative to market benchmarks, poor long-term returns, and lack of investor confidence, despite some positive financial results.

Which are the latest news on Finkurve Fin.?

How big is Finkurve Fin.?

As of 10th June, Finkurve Financial Services Ltd has a market capitalization of 897.00 Cr, with recent net sales of 72.09 Cr and a net profit of 22.80 Cr. The company reported shareholder's funds of 158.05 Cr and total assets of 184.68 Cr for the annual period ending in March 2022.

As of 10th June, Finkurve Financial Services Ltd has a market capitalization of 897.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest 4 quarters, Finkurve reported Net Sales of 72.09 Cr and a Net Profit of 22.80 Cr.<BR><BR>For the latest annual period ending in March 2022, the company had Shareholder's Funds amounting to 158.05 Cr and Total Assets of 184.68 Cr.

Who are in the management team of Finkurve Fin.?

The management team of Finkurve Fin. includes Ketan Kothari (Chairman), Sunny Parekh (Company Secretary), Riddhi Tilwani, Nishant Tolchand Ranka, and Dharmesh Lalitkumar Trivedi (Independent Directors), Narendra Jain (Whole-time Director), and Priyanka Kothari (Non-Executive Director).

The management team of Finkurve Fin. includes the following members:<BR><BR>1. **Ketan Kothari** - Chairman (Non-Executive)<BR>2. **Sunny Parekh** - Company Secretary & Compliance Officer<BR>3. **Riddhi Tilwani** - Non-Executive & Independent Director<BR>4. **Nishant Tolchand Ranka** - Non-Executive & Independent Director<BR>5. **Narendra Jain** - Whole-time Director<BR>6. **Priyanka Kothari** - Non-Executive Director<BR>7. **Dharmesh Lalitkumar Trivedi** - Independent Director<BR><BR>If you need more details about their roles or the company, feel free to ask!

Who are the peers of the Finkurve Fin.?

Finkurve Fin.'s peers include Innovassynth Tec, STEL Holdings, Prime Securities, and others. Finkurve Fin. has below-average management risk and a 1-year return of -47.72%, lower than its peers, with Innovassynth Tec showing the highest return at 71.26%.

Peers: The peers of Finkurve Fin. are Innovassynth Tec, STEL Holdings, Prime Securities, Hexa Tradex, Capital India, Yogi Ltd, BEML Land Assets, VLS Finance, Aryaman Fin.Serv, and Cons. Finvest.<BR><BR>Quality Snapshot: Excellent management risk is observed at Innovassynth Tec, STEL Holdings, Prime Securities, and Aryaman Fin.Serv, while Average management risk is found at Hexa Tradex and the rest. Below Average management risk is noted for Finkurve Fin., Capital India, Yogi Ltd, VLS Finance, and the rest. Growth is rated as Excellent for Finkurve Fin., Yogi Ltd, and Cons. Finvest, while Average growth is seen at Prime Securities and Aryaman Fin.Serv, and Below Average growth is noted for Innovassynth Tec, STEL Holdings, Hexa Tradex, and Capital India.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Innovassynth Tec at 71.26%, while the lowest is Capital India at -43.03%. Finkurve Fin.'s own 1-year return is -47.72%, which is lower than both. Additionally, VLS Finance, Aryaman Fin.Serv, and Capital India have negative six-month returns.

What does Finkurve Fin. do?

Finkurve Financial Services Ltd is a Non-Banking Financial Company (NBFC) focused on the micro-cap market, with a market cap of INR 897 Cr and reported net sales of 67 Cr and net profit of 8 Cr for March 2026. The company, originally incorporated in 1984, was rebranded in 2011 and is registered with the RBI.

Overview: <BR>Finkurve Financial Services Ltd operates as a Non-Banking Financial Company (NBFC) within the micro-cap market segment.<BR><BR>History: <BR>The company was incorporated in 1984 as Sanjay Leasing Limited and later rebranded to Finkurve Financial Services Limited in 2011. It is registered with the RBI as an NBFC since March 1998. The latest quarterly results reported net sales and net profit for March 2026.<BR><BR>Financial Snapshot: <BR>Net Sales: 67 Cr (Quarterly Results - Mar 2026) <BR>Net Profit: 8 Cr (Quarterly Results - Mar 2026) <BR>Market Cap: INR 897 Cr (Micro Cap)<BR><BR>Key Metrics: <BR>P/E: 35.00 <BR>Industry P/E: 20 <BR>Dividend Yield: 0.00% <BR>Debt-Equity: 1.16 <BR>Return on Equity: 7.92% <BR>Price to Book: 2.64<BR><BR>Contact Details: <BR>Address: 202/A 02nd Floor Trade World, D-Wing Kamala Mills Compound Mumbai Maharashtra : 400013 <BR>Tel: 022-42441200 <BR>Email: finkurvefinancial@gmail.com <BR>Website: http://www.finkurve.com

Should I buy, sell or hold Finkurve Financial Services Ltd?

Are Finkurve Financial Services Ltd latest results good or bad?

Finkurve Financial Services Ltd's latest results are concerning, with a 71.15% decline in net profit and a 14.78% drop in revenue quarter-on-quarter, alongside high valuation multiples and reduced operating margins. Despite year-on-year growth, the overall performance suggests significant challenges ahead for the company.

Finkurve Financial Services Ltd's latest results indicate a troubling performance, primarily characterized by a significant quarter-on-quarter decline in both net profit and revenue. In Q3 FY26, the net profit plummeted by 71.15% to ₹4.91 crore, while revenue fell by 14.78% to ₹23.64 crore. This sharp decline raises concerns about the sustainability of earnings, especially given the company's high valuation multiples, including a trailing P/E ratio of 63x, which is substantially above the industry average of 22x.<BR><BR>Additionally, the operating margin contracted dramatically from 76.08% in the previous quarter to 35.24%, suggesting operational challenges. The return on equity (ROE) of 8.24% is also below industry standards, further highlighting inefficiencies in capital deployment.<BR><BR>While there was impressive year-on-year growth—165.41% in net profit and 191.85% in revenue compared to the same quarter last year—this does not offset the concerning quarter-on-quarter performance. The overall picture suggests that Finkurve is facing significant headwinds, making the latest results appear unfavorable. Investors should be cautious, as the combination of declining profits, high valuations, and weak capital efficiency creates a challenging outlook for the company.

When is the next results date for Finkurve Financial Services Ltd?

The next results date for Finkurve Financial Services Ltd is 06 February 2026.

The next results date for Finkurve Financial Services Ltd is scheduled for 06 February 2026.

Is Finkurve Fin. technically bullish or bearish?

As of December 3, 2025, Finkurve Fin. has shifted to a bearish trend with moderate strength, indicated by bearish MACD, RSI, moving averages, and underperformance against the Sensex.

As of 3 December 2025, the technical trend for Finkurve Fin. has changed from mildly bearish to bearish. The current stance is bearish with moderate strength. Key indicators driving this include a bearish MACD on both the weekly and daily time frames, a bearish RSI on the weekly, and bearish moving averages. Additionally, the KST is mildly bearish on a monthly basis, while the Dow Theory shows a mildly bearish trend on the weekly. The stock has underperformed the Sensex significantly over the past month and year-to-date, further supporting the bearish outlook.

How has been the historical performance of Finkurve Fin.?

Finkurve Fin. has shown significant fluctuations in performance, with net sales increasing from 27.25 Cr in Mar'21 to 56.55 Cr in Mar'22, alongside improved profitability metrics, despite a decline from previous peaks in sales. Total liabilities and assets decreased, indicating a tighter financial position, while cash flow from operations improved significantly.

Answer:<BR>The historical performance of Finkurve Fin. shows significant fluctuations in key financial metrics over the years.<BR><BR>Breakdown:<BR>Finkurve Fin. experienced a notable increase in net sales from 27.25 Cr in Mar'21 to 56.55 Cr in Mar'22, following a trend of growth from 24.57 Cr in Mar'20 and 16.99 Cr in Mar'19. However, this is a stark contrast to the much higher sales of 298.46 Cr in Mar'18 and 326.32 Cr in Mar'17, indicating a decline from previous peaks. The total operating income mirrored this trend, rising to 56.55 Cr in Mar'22 from 27.25 Cr in Mar'21, while total expenditure also increased to 28.13 Cr in Mar'22 from 14.33 Cr in Mar'21. Operating profit (PBDIT) saw a significant rise to 29.04 Cr in Mar'22 from 13.54 Cr in Mar'21, reflecting improved operational efficiency. Profit before tax surged to 24.87 Cr in Mar'22, up from 5.65 Cr in Mar'21, and profit after tax followed suit, reaching 19.73 Cr in Mar'22 compared to 4.07 Cr in Mar'21. The earnings per share also improved significantly to 1.56 in Mar'22 from 0.32 in Mar'21. On the balance sheet, total liabilities decreased to 184.68 Cr in Mar'22 from 223.03 Cr in Mar'21, while total assets also fell to 184.68 Cr in Mar'22 from 223.03 Cr in Mar'21, indicating a tightening financial position. Cash flow from operating activities improved to 27.00 Cr in Mar'22 from 4.00 Cr in Mar'21, although the net cash outflow was -7.00 Cr in Mar'22, down from a neutral position in Mar'21. Overall, Finkurve Fin. has shown a recovery in profitability metrics in the latest fiscal year, despite a challenging historical context.

Who are the top shareholders of the Finkurve Fin.?

The top shareholders of Finkurve Fin. include promoter Mohinidevi Bhanwarlal Kothari with 26.44% ownership, three Foreign Institutional Investors holding 6.08%, and individual investors with 30.97%. There are no mutual funds invested, and the highest public shareholder, Thomas John Muthoot, holds 0%.

The top shareholders of Finkurve Fin. primarily include the promoters, who hold a significant portion of the company's shares. The promoter with the highest holding is Mohinidevi Bhanwarlal Kothari, owning 26.44% of the shares. Additionally, there are three Foreign Institutional Investors (FIIs) that collectively hold 6.08% of the company. Individual investors also have a notable presence, holding 30.97% of the shares. It's worth noting that there are no mutual funds currently holding shares in the company, and the highest public shareholder, Thomas John Muthoot, holds 0%.

Is Finkurve Fin. overvalued or undervalued?

As of July 26, 2024, Finkurve Fin. is considered very expensive and overvalued with a PE ratio of 91.85, significantly higher than its peers, and its financial performance metrics do not justify this valuation despite impressive long-term returns.

As of 26 July 2024, Finkurve Fin. has moved from an expensive to a very expensive valuation grade. The company is currently deemed overvalued, with a PE ratio of 91.85, a Price to Book Value of 8.13, and an EV to EBITDA ratio of 43.14. In comparison to its peers, Finkurve Fin. significantly exceeds the PE ratio of Life Insurance at 12.54 and Bajaj Finance at 35.01, highlighting its overvaluation in the market.<BR><BR>The company's financial performance metrics, including a ROCE of 9.66% and ROE of 8.85%, do not justify its high valuation ratios, indicating a disconnect between its earnings potential and market price. Additionally, while Finkurve Fin. has shown impressive returns over the long term, with a 1Y return of 112.99% compared to the Sensex's 7.62%, this may not be sustainable given its current valuation status.

What is the bonus history of the Finkurve Fin.?

Finkurve Financial Services Ltd announced a 6:1 bonus issue on August 22, 2013, meaning shareholders received 6 additional shares for every 1 share held, with a record date of August 23, 2013.

Finkurve Financial Services Ltd has a bonus history that includes a 6:1 bonus issue announced with an ex-date of August 22, 2013. The record date for this bonus was August 23, 2013. This means that for every 1 share held, shareholders received 6 additional shares. If you have any more questions about the company or its financial activities, feel free to ask!

Has Finkurve Fin. declared dividend?

No Dividend History Available