Finkurve Fin.

What does Finkurve Fin. do?

Finkurve Financial Services Ltd is a Non-Banking Financial Company (NBFC) established in 1984, specializing in small-cap financial services. As of March 2025, it reported net sales of 40 Cr and a net profit of 4 Cr, with a market cap of Rs 1,635 Cr.

Overview:<BR>Finkurve Financial Services Ltd operates as a Non-Banking Financial Company (NBFC) within the small-cap market segment.<BR><BR>History:<BR>The company was incorporated in 1984 as Sanjay Leasing Limited and later changed its name to Finkurve Financial Services Limited in 2011. It is registered as an NBFC with the RBI since March 9, 1998. The latest quarterly results reported net sales and profit for March 2025.<BR><BR>Financial Snapshot:<BR>- Net Sales: 40 Cr (Quarterly Results - Mar 2025)<BR>- Net Profit: 4 Cr (Quarterly Results - Mar 2025)<BR>- Market Cap: Rs 1,635 Cr (Small Cap)<BR><BR>Key Metrics:<BR>- P/E: 94.00<BR>- Industry P/E: 23<BR>- Dividend Yield: 0.00%<BR>- Debt Equity: 0.83<BR>- Return on Equity: 8.85%<BR>- Price to Book: 8.31<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

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

Who are the peers of the Finkurve Fin.?

Finkurve Fin.'s peers include Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, and others. Finkurve Fin. leads with a 1-year return of 135.71%, while Jio Financial has the lowest at -20.23%.

Peers: The peers of Finkurve Fin. are Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Saraswati Commer, Shalimar Agencie, Ashika Credit, and Capital India.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Cholaman.Inv.&Fn, Muthoot Finance, while Average management risk is found at Jio Financial, Shriram Finance, and the rest. Good growth is noted at Bajaj Finance, Cholaman.Inv.&Fn, Shriram Finance, while Excellent growth is seen at Jio Financial, Saraswati Commer, and the rest. Excellent capital structure is present at Bajaj Finance, Jio Financial, Muthoot Finance, Finkurve Fin., and the rest, while Good capital structure is noted at Cholaman.Inv.&Fn, Shriram Finance, and the rest.<BR><BR>Return Snapshot: Finkurve Fin. has a 1-year return of 135.71%, which is the highest among its peers, while Jio Financial has the lowest at -20.23%. Finkurve Fin.'s return is significantly higher than all its peers. Additionally, Saraswati Commer and Ashika Credit have negative six-month returns.

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.

Who are in the management team of Finkurve Fin.?

As of March 2023, the management team of Finkurve Fin. includes Ketan Kothari (Chairman), Sunny Parekh (Company Secretary), Riddhi Tilwani and Nishant Tolchand Ranka (Non-Executive Independent Directors), Narendra Jain (Whole-time Director), Priyanka Kothari (Non-Executive Director), and Dharmesh Lalitkumar Trivedi (Independent Director). Each member plays a key role in the company's governance and operations.

As of March 2023, the management team of Finkurve Fin. includes the following individuals:<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>Each member holds a specific role that contributes to the governance and operational oversight of the company.

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%.

How big is Finkurve Fin.?

As of 24th July, Finkurve Financial Services Ltd has a market capitalization of 1,631.00 Cr, with recent Net Sales of 72.09 Cr and a Net Profit of 22.80 Cr.

As of 24th July, Finkurve Financial Services Ltd has a market capitalization of 1,631.00 Cr, categorizing it as a Small Cap company.<BR><BR>In the latest four quarters, Finkurve reported Net Sales of 72.09 Cr and a Net Profit of 22.80 Cr.<BR><BR>The latest annual period for the balance sheet is March 2022, with Shareholder's Funds amounting to 158.05 Cr and Total Assets of 184.68 Cr.

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.

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.

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.

Are Finkurve Financial Services Ltd latest results good or bad?

Finkurve Financial Services Ltd's latest results show strong revenue growth with record net sales of ₹48.05 crores, but concerns arise from a low return on equity of 8.00% and a high P/E ratio of 89x, indicating potential risks in profitability and valuation. Investors should be cautious given these mixed signals.

Finkurve Financial Services Ltd's latest results present a mixed picture. On one hand, the company achieved record high net sales of ₹48.05 crores in Q2 FY26, reflecting strong revenue momentum with a year-on-year growth of 39.88%. The operating margin remains healthy at 34.15%, indicating effective cost management as the company scales its operations.<BR><BR>However, there are significant concerns regarding profitability and valuation. The return on equity (ROE) is notably low at 8.00%, which is below the acceptable threshold for financial services companies, raising questions about the efficiency of capital utilization. Additionally, the price-to-earnings (P/E) ratio stands at a staggering 89x, which is considered very expensive compared to the industry average of around 23x. This suggests that the market may be pricing in expectations that are not supported by the company's current financial performance.<BR><BR>While the stock has delivered a 16.27% return over the past year, it has underperformed its peers in the NBFC sector. The lack of institutional interest, with only 6.70% ownership from foreign institutional investors, further highlights concerns about the company's investment appeal.<BR><BR>In summary, while Finkurve shows strong revenue growth, the weak ROE and high valuation multiples indicate that the overall financial health may not be as robust as the sales figures suggest. Investors should approach with caution, considering the potential risks associated with the company's profitability and valuation.

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

Why is Finkurve Financial Services Ltd falling/rising?

As of 06-Feb, Finkurve Financial Services Ltd's stock price is declining to 93.20, down 1.81%. This drop follows a trend reversal after prior gains, with significant underperformance compared to its sector and a notable decrease in investor interest.

As of 06-Feb, Finkurve Financial Services Ltd's stock price is falling, currently at 93.20, reflecting a change of -1.72 (-1.81%). This decline follows a trend reversal after three consecutive days of gains. Despite opening with a gain of 3.11% today and reaching an intraday high of Rs 99.45, the stock has underperformed its sector by 2.43%. <BR><BR>The stock's performance over the past week shows a significant increase of 13.85%, but it has experienced a decline of 3.92% over the past month and 6.43% year-to-date. Furthermore, the stock has generated a return of -11.45% over the past year, which is notably worse than the Sensex's return of +7.07% during the same period. <BR><BR>Investor participation has also decreased, with delivery volume dropping by 43.07% compared to the five-day average, indicating reduced interest from investors. Additionally, the stock is trading at a premium compared to its peers, with a high Price to Book Value ratio and a weak long-term fundamental strength, as evidenced by an average Return on Equity (ROE) of 8.24%. <BR><BR>These factors collectively contribute to the stock's current decline, as the market reacts to both the recent performance and the underlying financial metrics that suggest potential weaknesses in the company's valuation and investor confidence.

Which are the latest news on Finkurve Fin.?