Finbud Financial Services Q4 FY26 Share Price & Earnings Call Analysis
- Market cap
- ₹222 Cr
- P/E
- 19.09
- ROE
- 15.37%
- PEG
- 0.21
- Price to sales
- 0.70
- Debt to equity
- 0.20
- 52W high / low
- ₹165 / ₹79.5
- EBITDA margin
- 5.78%
- Net profit margin
- 3.69%
- Promoter holding
- 48.25%
- Sales (last year)
- ₹316 Cr
Incorporated in July 2012, Finbud Financial Services Limited is a loan aggregation platform in India, assisting individuals in obtaining personal, business, and home loans from banks and non-banking financial companies.[1]
Guidance scorecard · Q4 FY26 call
What Finbud Financial Services Ltd's management guided
and where it ranks in Financial Technology (Fintech)
RevenueQ2 FY26 call
20–40%- Confident of continuing to compound growth over the next 3-5 years at current or better CAGR.
- Targeting around ₹9,700 crores of disbursals for the current financial year, reflecting ~35% growth vs. last year.
- Revenue expected to reach ₹1,000 crore by FY30, driven by increasing market share and penetration into new credit products.
- Current market share is under 1%, indicating significant headroom for growth given a ₹15 lakh crore unsecured loan market.
- Average commission yield projected to increase slightly from current ~3.3% due to a rising digital mix.
- Master agent business expected to grow linearly with overall disbursal volumes.
2 more points from Finbud Financial Services Ltd's call on revenue
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MarginsQ2 FY26 call
FlatSee what Finbud Financial Services Ltd said on margins — free account, 30 seconds.
CapexQ2 FY26 call
Planned- The company is in the process of raising funds for its NBFC subsidiary, with ₹15 crores earmarked from the IPO proceeds towards the NBFC's long-term capital requirements.
- The NBFC is at an early stage, focusing on setting up operations, hiring the team, building the product, and technology integrations; no capital has been lent out yet.
- Further capital raising efforts for the NBFC are ongoing, with updates expected in the next 3 to 6 months after board approvals.
- Strategic capital investment in the NBFC aims to expand the credit funnel and unlock value by addressing inefficiencies in the lending ecosystem.
2 more points from Finbud Financial Services Ltd's call on capex
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FundraisingQ2 FY26 call
PlannedSee what Finbud Financial Services Ltd said on fundraising — free account, 30 seconds.
Order bookQ2 FY26 call
Ask what Finbud Financial Services Ltd said on the order book →
Full Q2 FY26 analysisRanges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.
Potential multibaggers · Q2 FY27
Potential multibaggers in Financial Technology (Fintech)
on management's own guidance
- Strong growth2
- Strong growth1
- One 97 Communications LtdGood growth3
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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.
Peers
Financial Technology (Fintech) companies ranked on guidance
| # | Company | Revenue guided | Margin guided | Market cap | P/E |
|---|---|---|---|---|---|
| 1 | 40%+ | Up 2%+ | ₹3,847 Cr | 86.1 | |
| 2 | 40%+ | Flat | ₹4,826 Cr | 16.3 | |
| 3 | One 97 Communications Ltd | 20–40% | Flat | ₹1.05L Cr | 129.3 |
| 4 | 20–40% | Flat | ₹19,058 Cr | 147.3 | |
| 5 | 20–40% | Flat | ₹7,659 Cr | 26.5 | |
| 6 | 20–40% | Flat | ₹1,808 Cr | 614.7 |
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Pro shows every company guiding 40%+ revenue growth →Full Financial Technology (Fintech) rankingFinancials of Finbud Financial Services Ltd
Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.
Financials of Finbud Financial Services Ltd
Quarterly Results
Quarter-by-quarter operating performance
| Mar 2026 | |
|---|---|
| Sales + | 177.12 |
| Expenses + | 167.90 |
| Operating Profit | 9.22 |
| OPM % | 5.21% |
| Other Income + | 1.62 |
| Interest | 1.41 |
| Depreciation | 1.43 |
| Profit before tax | 8.00 |
| Tax % | 20.62% |
| Net Profit + | 6.35 |
| EPS in Rs | 3.33 |
Financials of Finbud Financial Services Ltd
Profit & Loss
Annual income statement trend
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| Sales + | 88 | 135 | 190 | 223 | 316 |
| Expenses + | 86 | 131 | 180 | 209 | 298 |
| Operating Profit | 2 | 4 | 11 | 15 | 18 |
| OPM % | 2% | 3% | 6% | 7% | 6% |
| Other Income + | 0 | 0 | 0 | 0 | 2 |
| Interest | 1 | 1 | 1 | 1 | 3 |
| Depreciation | 1 | 1 | 1 | 2 | 2 |
| Profit before tax | 0 | 2 | 8 | 12 | 15 |
| Tax % | 106% | 25% | 30% | 29% | 24% |
| Net Profit + | -0 | 2 | 6 | 8 | 12 |
| EPS in Rs | -6.37 | 1,171.97 | 3,605.10 | 6.07 | 6.12 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% |
Financials of Finbud Financial Services Ltd
Balance Sheet
Capital structure and asset base
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|
| Equity Capital | 0.02 | 0.02 | 0.02 | 14 | 14 |
| Reserves | 4 | 6 | 12 | 22 | 27 |
| Borrowings + | 6 | 7 | 12 | 19 | 35 |
| Other Liabilities + | 15 | 14 | 21 | 14 | 19 |
| Total Liabilities | 25 | 28 | 45 | 69 | 95 |
| Fixed Assets + | 2 | 2 | 2 | 3 | 3 |
| CWIP | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 0 | 0 |
| Other Assets + | 23 | 26 | 43 | 66 | 92 |
| Total Assets | 25 | 28 | 45 | 69 | 95 |
Financials of Finbud Financial Services Ltd
Cash Flows
Operating, investing and financing cash movement
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| Cash from Operating Activity + | 2 | 3 | -2 | -13 | |
| Cash from Investing Activity + | -1 | -1 | -2 | -1 | |
| Cash from Financing Activity + | -2 | 1 | 4 | 20 | |
| Net Cash Flow | -1 | 2 | 0 | 6 | |
| Free Cash Flow | 1 | 1 | -4 | -15 | |
| CFO/OP | 102% | 78% | 3% | -67% |
Financials of Finbud Financial Services Ltd
Ratios
Working capital efficiency and return ratios
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| Debtor Days | 50 | 41 | 52 | 57 | |
| Inventory Days | |||||
| Days Payable | |||||
| Cash Conversion Cycle | 50 | 41 | 52 | 57 | |
| Working Capital Days | 22 | 19 | 21 | 42 | |
| ROCE % | 29% | 49% | 34% |
Continue your research
What Finbud Financial Services Ltd's management said in earlier quarters
Others in Financial Technology (Fintech) this season
- PB Fintech Ltd (Q2 FY27)
Quarterly Revenue for Q2 FY27: ₹573 crores (Page 10) . Key results statement takeaways from PB Fintech Ltd's Q2 FY27 results statement — and how it ranks agains
- Seshaasai Tech. (Q2 FY27)
Revenue from Operations for Q2FY27: ₹4,053.1 million . Key investor presentation takeaways from Seshaasai Technologies Ltd's Q2 FY27 investor presentation — and
- Pine Labs Ltd (Q2 FY27)
Revenue from operations in Q2 FY27: ₹806 Cr, up 24% YoY (Page 5) . Key investor presentation takeaways from Pine Labs Ltd's Q2 FY27 investor presentation — and
- One 97 Communications Ltd (Q2 FY27)
New investments (up to ₹500 crore) planned in subsidiaries to support product, platform, and international expansion efforts, which should aid growth (Page…