Finkurve Financial Services Ltd - Stock Valuation and Financial Performance

BSE: 508954 | NSE: | Finance - NBFC | Small Cap

Finkurve Financial Share Price

52.60 -0.68 -1.28%
as on 28-Mar'24 16:01

DeciZen - make an informed investing decision on Finkurve Financial

Overall Rating
Bole Toh

1. Quality

2. Valuation

Fair

3. Price Trend

Finkurve Financial Services stock performance -

mw4me loader
P/E Ratio (SA):
49.58
Market Cap:
666.1 Cr.
52-wk low:
46.6
52-wk high:
103.9

Is Finkurve Financial Services Ltd an attractive stock to invest in?

1. Is Finkurve Financial Services Ltd a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that Finkurve Financial Services Ltd is a average quality company.

2. Is Finkurve Financial Services Ltd undervalued or overvalued?

The key valuation ratios of Finkurve Financial Services Ltd's currently when compared to its past seem to suggest it is in the Fair zone.

3. Is Finkurve Financial Services Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Finkurve Financial Services Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of Finkurve Financial:

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 end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

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'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Operating Income (₹ Cr.)0.329.410.412.31516.320.422.750.484
YoY Gr. Rt. %-556.7%378.2%10%19%21.4%9%25.3%11%122.4%-
Adj EPS (₹ ) -000.10.10.20.10.30.41.71.11.1
YoY Gr. Rt. %-NA400%20%216.7%-57.9%300%12.5%372.2%-33.5%-
BVPS (₹ )1.11.11.11.21.41.410.410.712.413.614.5
YoY Gr. Rt. %-1.9%5.6%5.3%15.1%3.7%629.6%3.5%15.9%9.1%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)-2.20.50.90.61.60.72.62.110.56.60

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income76.7%32.5%45.7%122.4%
Adj EPSNA42.8%52.3%-33.5%
BVPS32.9%58.1%9.4%9.1%
Share Price 11.8% 6.8% 6.6% -24.4%

Key Financial Ratios

RATIOS \ YEARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)-88.47.25.65.414.65.324.722.195.328.416
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)-2.61.455.114.55.85.63.414.78.77.3

Recent Performance Summary

Total Income has increased 45.68 CAGR in last 3 years

Net Profit has increased 52.28 CAGR in last 3 years

Return on Equity has declined versus last 3 years average to 7.60%

Total income growth is poor in last 4 quarters

Latest Financials - Finkurve Financial Services Ltd.

Standalone Consolidated
TTM EPS (₹) 1.1 1.6
TTM Sales (₹ Cr.) 84 56.6
BVPS (₹.) 14.5 0
Reserves (₹ Cr.) 171 150
P/BV 3.63 0.00
PE 49.58 33.78
From the Market
52 Week Low / High (₹) 46.60 / 103.90
All Time Low / High (₹) 0.05 / 103.90
Market Cap (₹ Cr.) 666
Equity (₹ Cr.) 12.7
Face Value (₹) 1
Industry PE 31

Management X-Ray of Finkurve Financial:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *4.476.0814.9117.8917.8917.8917.3217.3210.1110.11
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of Finkurve Financial

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Income02910121516202355
Interest Income02910121516202350
Other Income 0000000004
Expenditure 12910101411141735
Interest Expense 02898128735
Operating Expenses 000111231125
Provisions 0000111535
Exceptional Items 00000000210
Profit Before Tax 001131562720
Taxes 0000101255
Profit After Tax 001121452214
Adjusted EPS (₹)0.00.00.10.10.20.10.30.41.71.1
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Equity and Liabilities

Equity Capital101011111314131136158172
Share Capital 10101010101013131313
Reserves 111244119123145160
Minority Interest0000000000
Long Term Borrowings3469701204-1415
Current Liabilities 0264121019469823151
Trade Payables0000000024
Short term borrowings02635999368761838
Other Liabilities0-26-3-5-99-93-69-76-20-42
Total Liabilities 14408393126107205217193238

Assets

Non Current Asset 101010101010111367
Loan Asset 0000000000
Other Non Current Asset 101010101010111367
Current Asset 430738311797194204187231
Current Investment0000000000
Other Current Asset430738311797194204187231
Total Assets 14408393126107205217193238

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity -4-24-338-3030-84629-20
Cash Flow From Investing Activity 000000-1-128-1
Cash Flow From Financing Activity 32533-628-2985-4-5623
Net Cash Flow 0102-310112
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Operational & Financial Ratios

EPS (₹)0000000021
DPS (₹)0000000000
BVPS (₹)11111110111214

Performance Ratios

ROA (%)-2.20.50.90.61.60.72.62.110.56.6
ROE (%)-2.61.45.05.114.55.85.63.414.78.7
ROCE (%)-0.16.414.811.710.211.18.66.215.512.1

Valuation Parameters

Price/Book(x)17.115.213.326.537.426.70.04.14.95.2

Finkurve Financial Services Ltd Stock News

Finkurve Financial Services Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Finkurve Financial on 28-Mar-2024 16:01 is ₹52.60.
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 28-Mar-2024 16:01 the market cap of Finkurve Financial stood at ₹666.1.
The latest P/E ratio of Finkurve Financial as of 28-Mar-2024 16:01 is 49.58.
The latest P/B ratio of Finkurve Financial as of 28-Mar-2024 16:01 is 3.63.
The 52-week high of Finkurve Financial is ₹103.9 and the 52-week low is ₹46.60.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Finkurve Financial is ₹83.98 ( Cr.) .

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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