FINKURVEFinkurve Financial Services Limited

Rs 62.65▼ -0.90%
Market closedEquity EOD 23 Oct
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52-week rangeThe lowest and highest prices the stock traded at over the last year, from each day's intraday low and high. The marker is today's close: 0% means it sits at the year's low, 100% at the high. It describes where the price is, not where it is going.19% up the range
Rs 48Rs 125
FINKURVE price
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EOD 23 Oct
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At a glance
Each figure is shown against the company's sector (the track: the dot is this company, the tick is the sector middle) and, where we hold the yearly filings, against its own recent years (the small trend line).
Market capWhat the whole company is worth on the stock market today: share price times the number of shares. It measures size, not quality.
Rs 878 cr
Larger than 42% of 48 peers
sector middle Rs 2,064 cr
P/EPrice to earnings: how many rupees investors pay for each rupee of profit the company made over the last twelve months. Compare it with similar companies rather than reading it alone.
30.4x
Higher than 90% of 41 peers
sector middle 14.4x
Price to bookPrice to book: the share price divided by the shareholders' money per share in the latest balance sheet. Around 1 means the market values the company close to its book value.
2.5x
Higher than 79% of 47 peers
sector middle 1.3x
ROEReturn on equity: the year's profit as a percentage of the shareholders' money in the business. It shows how much the company earns on what its owners have put in.
8.5%
Lower than 64% of 42 peers
sector middle 11.3%
Dividend yieldDividends paid over the last year as a percentage of the company's market value: roughly what Rs 100 of shares paid out in cash.
0.0%
Lower than 54% of 48 peers
sector middle 0.0%

Peers are the listed companies in the exchange's own industry group: Non Banking Financial Company (NBFC). Balance-sheet figures are from the latest filed balance sheet; trends show each financial year we hold.

What the numbers say
Short lines written by fixed rules from the company's own filings and shareholding. A line appears only when the figures cross the rule (for example sales growing three years running), and each names the numbers behind it. Nothing here is a view on whether to own the share.

Latest quarterIn the quarter to June 2026 (results filed 13 Aug 2026), sales was Rs 75.1 cr and profit was Rs 8.4 cr.

Worth watching
  • Operations used cash in FY26 (-Rs 566 cr) while reported profit was Rs 26.0 cr.

Each line is written by a fixed rule from the company's own filings and share price, and names the figures it uses. It describes what happened; it is not advice about the share.

Fundamentals
Trailing-twelve-month valuation, margins and growth from the company's own filings.
as of 2026-06-30
P/E (TTM)
30.4
PEG
-
EPS (TTM)
Rs 2.1
Net margin
12.1%
Rev growth YoY
-
Profit growth YoY
-
TTM revenue
Rs 242 Cr
TTM net profit
Rs 29 Cr
What it owns, and how that is paid for
Straight from the March balance sheet in the company's annual filing. Both bars are the whole balance sheet: what the company owns, and where the money for it came from.
as at 2026-03-31

At FY26 it owned Rs 1,233 Cr of assets. Its owners funded 28% of that, with no borrowings.

What it owns
90%
Plant, property and projects16 Cr
Goodwill and intangibles0 Cr
Cash and bank102 Cr
Everything else1,115 Cr
How that is paid for
28%
72%
Shareholders345 Cr
Other liabilities888 Cr
Cash and equivalents
Rs 102 Cr
Book value / share
Rs 25
Return on assets
2.4%

From the March balance sheet in the company's annual filing (2026-03-31). Each bar is the full balance sheet; "everything else" is what the filed total leaves after the named lines.

Where the cash went
Profit is an accounting figure; cash flow is what actually moved. Cash from running the business, plus or minus what was spent on or received from investments, plus or minus what came from or went to lenders and shareholders, equals the change in cash.

In FY26 the business moved Rs -566 Cr through operations; for a lender that is mostly loans made and deposits taken, not trading cash.

From running the business
-566 Cr
Spent on or received from investing
-7 Cr
From or to lenders and shareholders
+659 Cr
Net change in cash
+87 Cr

Full financial year to 2026-03-31, from the company's cash flow statement. This company lends for a living: money lent out is an operating outflow, so these are not coloured as good or bad.

Against its sector
Where this stock sits within its own sector on each measure. The marker is its position in the peer group and the notch is the sector median. A position is a fact about the cohort, not a view on the stock.
Non Banking Financial Company (NBFC) · 73
P/E30.41vs 14.59 median
Cheapest: DHUNINV 5.12Priciest: MONEYBOXX 198.43
Net margin12.12%vs 17.29% median
Lowest: TFL -28.27%Highest: NBIFIN 64.25%

Median rather than average, so one loss-making or one very expensive peer cannot drag the reference. Valuation is shown without a colour verdict: a higher multiple can mean expensive, or faster growth expected, and only you can decide which.

Peers side by side
Every company in the same NSE industry group that we hold figures for, largest first. Tap any heading to sort by it. The same figures as the At a glance tiles, worked out the same way for every company.
Non Banking Financial Company (NBFC) · 40 shown
Company
TATACAP
Tata Capital Limited
1.29 L cr23.8x2.8x11.6%16.8%-0.13%
CHOLAFIN
Cholamandalam Investment and Finance Company Limited
1.25 L cr21.6x4.1x18.9%17.6%+21.9%0.14%
MUTHOOTFIN
Muthoot Finance Limited
95,268 cr8.4x2.4x28.8%34.3%+34.4%1.10%
BAJFINANCE
Bajaj Finance Limited
57,674 cr26.7x0.5x17.5%24.4%+21.6%6.03%
SBICARD
SBI Cards and Payment Services Limited
51,917 cr19.9x3.0x15.2%12.9%+3.6%0.42%
PIRAMALFIN
Piramal Finance Limited
44,339 cr22.5x1.4x6.1%14.3%-0.56%
SUNDARMFIN
Sundaram Finance Limited
43,885 cr19.8x3.0x14.9%22.0%+12.6%0.93%
AIIL
Authum Investment & Infrastructure Limited
42,184 cr-2.9x--+20.9%0.01%
HDBFS
HDB Financial Services Limited
41,943 cr14.2x1.9x13.4%15.3%+10.1%0.59%
M&MFIN
Mahindra & Mahindra Financial Services Limited
38,481 cr10.7x1.4x13.1%15.9%+18.1%2.35%
POONAWALLA
Poonawalla Fincorp Limited
36,369 cr32.3x2.6x7.9%12.2%+70.2%0.00%
SHRIRAMFIN
Shriram Finance Limited
32,523 cr14.4x0.3x11.4%24.5%+15.8%4.50%
MANAPPURAM
Manappuram Finance Limited
26,875 cr17.6x1.7x9.0%14.1%+34.1%0.63%
CGCL
Capri Global Capital Limited
22,691 cr20.2x3.1x15.7%21.3%+57.0%0.08%
IIFL
IIFL Finance Limited
22,691 cr9.1x1.5x15.3%17.3%+28.5%0.88%
SBFC
SBFC Finance Limited
8,847 cr17.4x2.2x12.6%26.6%+33.0%0.00%
PAISALO
Paisalo Digital Limited
6,927 cr27.5x3.9x14.0%25.5%+19.0%0.13%
FEDFINA
Fedbank Financial Services Limited
5,613 cr14.8x1.9x13.1%16.1%+28.9%0.00%
MASFIN
MAS Financial Services Limited
4,489 cr11.4x1.5x13.2%19.1%+20.7%0.79%
SGFIN
SG Finserve Limited
4,053 cr25.0x2.8x10.7%39.0%-0.00%
NORTHARC
Northern Arc Capital Limited
3,999 cr9.2x1.0x11.3%15.3%-0.00%
AYE
Aye Finance Limited
3,305 cr-1.3x---0.00%
INDOSTAR
IndoStar Capital Finance Limited
2,631 cr-0.7x---0.00%
MUFIN
Mufin Green Finance Limited
2,548 cr62.1x4.4x6.6%15.0%+57.1%0.00%
PFS
PTC India Financial Services Limited
1,579 cr7.1x0.5x7.2%46.9%-27.2%0.00%
ARMANFIN
Arman Financial Services Limited
1,484 cr12.8x1.6x12.5%16.7%+33.6%0.00%
UGROCAP
Ugro Capital Limited
1,132 cr5.2x0.4x7.2%10.3%+20.0%0.00%
CREST
Crest Ventures Limited
975 cr28.5x0.8x2.6%27.6%-52.1%0.29%
FINKURVE
Finkurve Financial Services Limited
878 cr30.4x2.5x8.5%12.1%-0.00%
MANBA
Manba Finance Limited
698 cr14.3x1.7x11.9%13.8%+38.2%0.72%
CIFL
Capital India Finance Limited
657 cr17.3x1.0x3.9%5.1%-8.6%0.12%
LAXMIINDIA
Laxmi India Finance Limited
519 cr9.0x1.1x12.2%16.6%+34.2%0.00%
NBIFIN
N. B. I. Industrial Finance Company Limited
510 cr36.8x0.2x0.5%64.3%+419.5%0.03%
DHUNINV
Dhunseri Investments Limited
503 cr5.1x0.2x4.7%35.4%+39.8%2.42%
CSLFINANCE
CSL Finance Limited
478 cr5.5x0.8x14.0%32.6%+17.7%1.43%
UYFINCORP
U. Y. Fincorp Limited
458 cr7.4x1.2x15.9%29.2%+230.5%0.00%
MANCREDIT
Mangal Credit and Fincorp Limited
434 cr24.1x2.5x10.4%23.2%+53.1%0.34%
AVONMORE
Avonmore Capital & Management Services Limited
344 cr22.1x0.9x6.2%15.6%+36.3%0.00%
MONEYBOXX
Moneyboxx Finance Limited
319 cr198.4x1.1x0.4%0.6%-0.00%
AFIL
Akme Fintrade (India) Limited
316 cr7.0x0.8x10.4%27.9%+30.6%0.00%

Swipe the table sideways for more columns. Tap a heading to sort. A dash means the figure is not filed or cannot be worked out for that company. A bigger cohort is cut to its 40 largest companies.

The business
Sales and net profit from the company's own filings, by financial year or by quarter. Hover any bar for that period's complete figures including operating margin and the change against the comparable earlier period. The single TTM figure above is the sum of the last four quarters.
4 quarters
RevenueRs 75 Cr
Net profitRs 8 Cr
Sep 254 quarters filedJun 26

Each bar is one quarter as filed with the exchange, newest on the right, so the seasonal shape of the business is visible rather than smoothed away. Hover any quarter for its full figures and the change against the same quarter a year earlier. Revenue and profit are drawn on separate scales because they differ by an order of magnitude; reading one against the other would be misleading.

Technical snapshot
Momentum, trend and delivery-based conviction from the actual price and volume history.
EOD 23 Oct
RSI (14) - momentum
32.8Neutral
0 oversold3070overbought 100
Delivery % - genuine buying vs churn
73.1%Near average
today 73.1%20d avg 61.7%

The share of traded quantity that was actually delivered (not squared off intraday) - high delivery vs its 20-session average suggests real buying or holding, not just churn.

vs 50-DMA
-11.17%
vs 200-DMA
-11.44%
1-month
-11.00%
3-month
-0.29%
1-year
-46.83%
Realized vol (30d)
41.6%
Insider trading disclosures
Promoter, director and other insider trades in the company's own shares, as disclosed to the exchange under SEBI's insider-trading regulations - usually within a few days of the transaction.
last 18 months

Insider trading data unavailable.

Recent announcements
The company's own filings to the exchange - results, board meetings, investor calls - with a link to the source document.
last 6 months

Announcements unavailable.

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Equity price, fundamentals and realized volatility are end-of-day / quarterly from real market data. The option chain (PCR, max pain, expected move, IV, OI) is live from the exchange during market hours; outside them it shows the last session's close. Shareholding, insider trades and announcements are the company's own exchange filings. Analysis only, not investment advice.