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About
Finkurve Financial Services Ltd (FINKURVE)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 508954 NSE: FINKURVE Finance - NBFC | Small Cap | Finkurve Financial Share Price
₹69.36 0.56 (0.81%)
As on 12-Oct'26 12:46
Finkurve Financial Services Ltd (FINKURVE)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 508954 NSE: FINKURVE Finance - NBFC | Small Cap | Finkurve Financial Share Price
₹69.36 0.56 (0.81%)
As on 12-Oct'26 12:46
Key Metrics
Valuation Multiples
Market Cap
₹964 Cr.
Current Price
₹69.4
52-Week Low / High
₹49 / 134
TTM EPS
₹2.1
Book Value per Share
₹24.4
P/E Ratio
32.82
Lower than its 5-year historical median
Industry PE
24.7
Price to Book (P/B)
2.82
Lower than its 5-year historical median
EV/EBITDA
15.24
Lower than its 5-year historical median
Dividend Yield
0%
Profitability Efficiency
Return on Equity (ROE)
9.67%
Outperforms industry median
Return on Capital Employed (ROCE)
10.41%
Outperforms industry median
Return on Assets (ROA)
3.02%
Outperforms industry median
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
27.4%
Book Value Growth (1 Year)
Improving versus 3-year growth rate
46.82%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹242 Cr.
Reserves
₹327 Cr.
Equity
₹14 Cr.
Face Value
₹1
All Time Low / High
₹0.05 / 153.60
Check Before You Invest
Quality
Somewhat GoodValuation
Somewhat UndervaluedCheck Valuation charts
Price Trend
Semi Strong
Is Finkurve Financial Services Ltd a good quality company?
Finkurve Financial Services Ltd is a average quality company, based on a somewhat consistent multi-year financial track record.
This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.
We have analysed the performance of the company on the following:
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How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
-
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
-
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.
How does Finkurve Financial Services Ltd performance compare with that of its Peers?
AUM Growth of Finkurve Financial Services Ltd vs Industry Peers?
Finkurve Financial Services Ltd AUM CAGR is 41.71%, compared to the 5-year industry median CAGR of 10.15%, indicating faster growth and gaining its market share.
Promoter shareholding and pledge status of Finkurve Financial Services Ltd?
Promoters hold 56.21% of the Finkurve Financial Services Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Stock return of Finkurve Financial Services Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 13.7% based on the current price.
10 Year X-Ray :
Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Finkurve Financial Services Ltd has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 10.4 | 12.3 | 15 | 16.3 | 20.4 | 22.7 | 50.4 | 90 | 140 | 207 | 242 | |
| YoY Gr. Rt. % | - | 19.1% | 21.4% | 8.9% | 25.3% | 11% | 122.3% | 78.6% | 56% | 47.5% | - | |
| Adj EPS (₹ ) | 0.1 | 0.2 | 0.1 | 0.3 | 0.4 | 1.7 | 1.1 | 1.3 | 1.4 | 1.9 | 2.1 | |
| YoY Gr. Rt. % | - | 216.7% | -57.9% | 300% | 12.5% | 372.2% | -33.5% | 12.4% | 7.9% | 35.8% | - | |
| BVPS (₹ ) | 1.2 | 1.4 | 1.4 | 10.4 | 10.7 | 12.4 | 13.6 | 14.8 | 16.2 | 23.8 | 24.4 | |
| YoY Gr. Rt. % | - | 15.1% | 3.7% | 629.6% | 3.5% | 15.9% | 9.1% | 9.4% | 9.2% | 46.8% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 0.6 | 1.6 | 0.7 | 2.6 | 2.1 | 10.5 | 6.6 | 6.1 | 4.5 | 3 | 0 | |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 39.5% | 58.9% | 60.2% | 47.5% | ||||
| Adj EPS | 46.5% | 38.9% | 18.1% | 35.8% | ||||
| BVPS | 39.5% | 17.3% | 20.6% | 46.8% | ||||
| Share Price | 13.8% | 5.7% | -0.5% | -43.3% | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 5.4 | 14.6 | 5.3 | 24.7 | 22.1 | 95.3 | 28.4 | 17.9 | 12.4 | 12.6 | 12.1 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 5.1 | 14.5 | 5.8 | 5.6 | 3.4 | 14.7 | 8.7 | 8.9 | 8.9 | 9.7 | 8.6 | |
Valuation of Finkurve Financial - Standalone
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 20.04 | 20.04 | 20.04 | 19.16 | 19.04 | 19.04 | 19.04 | 19.04 | 19.04 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Financials
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income + | 10 | 12 | 15 | 16 | 20 | 23 | 55 | 92 | 141 | 210 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 4 | 2 | 1 | 3 |
| Expenditure ⓘ + | 10 | 10 | 14 | 11 | 14 | 17 | 35 | 71 | 117 | 175 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 21 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 1 | 3 | 1 | 5 | 6 | 27 | 20 | 21 | 24 | 35 |
| Taxes ⓘ | 0 | 1 | 0 | 1 | 2 | 5 | 5 | 5 | 6 | 9 |
| Profit After Tax | 1 | 2 | 1 | 4 | 5 | 22 | 14 | 16 | 17 | 26 |
| Adjusted EPS (₹) | 0.1 | 0.2 | 0.1 | 0.3 | 0.4 | 1.7 | 1.1 | 1.3 | 1.4 | 1.9 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital + | 11 | 13 | 14 | 131 | 136 | 158 | 172 | 189 | 206 | 335 |
| Short term borrowings | 5 | 99 | 93 | 68 | 76 | 18 | 38 | 39 | 157 | 398 |
| Long Term Borrowings | 70 | 12 | -0 | 4 | -1 | 4 | 15 | 38 | 86 | 452 |
| Current Liabilities | 12 | 101 | 94 | 69 | 82 | 31 | 51 | 60 | 190 | 443 |
| Trade Payables | 0 | 0 | 0 | 0 | 0 | 2 | 4 | 6 | 16 | 20 |
| Other Liabilities | -5 | -99 | -93 | -69 | -76 | -20 | -42 | -45 | -174 | -408 |
| Total Liabilities ⓘ | 93 | 126 | 107 | 205 | 217 | 193 | 238 | 287 | 482 | 1,240 |
Assets | ||||||||||
| Non Current Asset + | 10 | 10 | 10 | 11 | 13 | 6 | 7 | 16 | 456 | 1,125 |
| Current Asset + | 83 | 117 | 97 | 194 | 204 | 187 | 231 | 271 | 26 | 115 |
| Total Assets ⓘ | 93 | 126 | 107 | 205 | 217 | 193 | 238 | 287 | 482 | 1,240 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | 8 | -30 | 30 | -84 | 6 | 29 | -20 | -7 | -134 | -566 |
| Cash Flow From Investing Activity ⓘ | -0 | -0 | -0 | -1 | -1 | 28 | -1 | -6 | -5 | -7 |
| Cash Flow From Financing Activity ⓘ | -6 | 28 | -29 | 85 | -4 | -56 | 23 | 18 | 145 | 659 |
| Net Cash Flow ⓘ | 2 | -3 | 1 | -0 | 1 | 1 | 2 | 4 | 7 | 87 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios | ||||||||||
| EPS (₹) | 0.10 | 0.20 | 0.10 | 0.30 | 0.40 | 1.70 | 1.10 | 1.30 | 1.40 | 1.90 |
| DPS (₹) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| BVPS (₹) | 1.2 | 1.4 | 1.4 | 10.4 | 10.7 | 12.4 | 13.6 | 14.8 | 16.2 | 23.8 |
Performance Ratios | ||||||||||
| ROA (%) | 0.6 | 1.6 | 0.7 | 2.6 | 2.1 | 10.5 | 6.6 | 6.1 | 4.5 | 3.0 |
| ROE (%) | 5.1 | 14.5 | 5.8 | 5.6 | 3.4 | 14.7 | 8.7 | 8.9 | 8.9 | 9.7 |
| ROCE (%) | 11.7 | 10.2 | 11.1 | 8.6 | 6.2 | 15.5 | 12.1 | 11.2 | 11.5 | 10.4 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 26.5 | 37.4 | 26.7 | 0.0 | 4.1 | 4.9 | 5.2 | 3.5 | 6.6 | 2.2 |
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Finkurve Financial Services Ltd FAQs
The current trading price of Finkurve Financial on 12-Oct-2026 12:46 is ₹69.36.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 11-Oct-2026 the market cap of Finkurve Financial stood at ₹964.2 Cr
The latest P/E ratio of Finkurve Financial as of 11-Oct-2026 is 32.82.
The latest P/B ratio of Finkurve Financial as of 11-Oct-2026 is 2.82.
The 52-week high of Finkurve Financial is ₹134.3 and the 52-week low is ₹49.06.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Finkurve Financial is ₹242 ( Cr.) .
Past 10 year's financial track record analysis by Moneyworks4me indicates that Finkurve Financial Services Ltd is a average quality company.
The key valuation ratios of Finkurve Financial Services Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Finkurve Financial Services Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.
About Finkurve Financial Services Ltd
Sanjay Leasing was incorporated on March 15, 1984 with the registrar of companies, Mumbai, Maharashtra as a Public Limited Company and obtained the certificate of commencement of business on March 23, 1984.
The company generates its income mainly from interest earned on loans, advance and investments, and service charges.
The registered office of the company is situated at 308-310, Veena Chambers, 21 Dalal Street, Fort, Mumbai- 400001.
Business area of the company
The company is engaged in the business of finance and investments. Leasing and hire purchase forms the main business activity.Other activities include providing loans and advances, investing activities, and financing.
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