Arthneeti

Finkurve Financial Services Q1 FY27 Share Price & Earnings Call Analysis

₹63.54+0.57% today
Market cap
₹891 Cr
P/E
30.32
ROE
9.44%
PEG
1.38
Price to sales
3.68
Debt to equity
2.46
52W high / low
₹118 / ₹51.1
Sales growth (5Y)
59.03%
EBITDA margin
44.60%
Net profit margin
12.51%
Promoter holding
56.21%
Sales (last year)
₹242 Cr

Incorporated in 1984, Finkurve Financials Services Ltd operates in Financing and other activities[1]

Guidance scorecard · Q1 FY27 call

What Finkurve Financial Services Ltd's management guided
and where it ranks in Finance

#3of 59 in
Finance
Revenue40%+MarginsUp 0–2%CapexPlannedFundraisingPlannedOrder bookRising

RevenueQ1 FY27 call

40%+
  • AUM (Assets Under Management) grew strongly by ~135% YoY, driven equally by gold price appreciation (50%) and tonnage growth (50%).
  • Customer additions continue, increasing 15-20% QoQ (~1,800 new customers per month).
  • Despite gold price volatility, growth in loan volumes expected to remain high; Q1 FY27 saw 15.9% AUM growth without gold price impact, annualizing to 50-60%.
  • Branch expansion (42% increase in number of branches) is a key driver; new branches take 12-18 months to break even, aiming for Rs. 12-13 crores AUM per branch.
  • Focus on increasing penetration in existing geographies before expanding to new adjacent states.

2 more points from Finkurve Financial Services Ltd's call on revenue

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Full Q1 FY27 analysis

MarginsQ1 FY27 call

Up 0–2%

See what Finkurve Financial Services Ltd said on margins — free account, 30 seconds.

Full Q1 FY27 analysis

CapexQ1 FY27 call

Planned
  • The company has invested in leadership across existing states and plans organic expansion into adjacent states only after fully exploiting current markets.
  • Capital infusion from promoters via share warrants amounting to Rs. 30 crores is expected by November, providing capital cushion.
  • The company has invested substantially in compliance infrastructure, including hiring a head of compliance and investing in software systems aligned with RBI regulations.

2 more points from Finkurve Financial Services Ltd's call on capex

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Full Q1 FY27 analysis

FundraisingQ1 FY27 call

Planned

See what Finkurve Financial Services Ltd said on fundraising — free account, 30 seconds.

Full Q1 FY27 analysis

Order bookQ1 FY27 call

Rising

Ask what Finkurve Financial Services Ltd said on the order book →

Full Q1 FY27 analysis
Full Finance ranking

Ranges 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 Finance
on management's own guidance

  1. Strong growth
    2
  2. Strong growth
    1
  3. This stockFinkurve Fin.Strong growth
    3
See all potential multibaggersAll Finance rankings

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Finance companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
140%+Up 2%+₹2,742 Cr71.8
240%+Up 2%+₹464 Cr23.9
3Finkurve Fin.This stock40%+Up 0–2%₹961 Cr32.7
440%+Flat₹23,820 Cr21.1
540%+Flat₹16,498 Cr72.4
640%+Flat₹15,549 Cr—

Sign up free to see every company in the sector ranking and track Finkurve Financial Services Ltd.

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Financials of Finkurve Financial Services Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Finkurve Financial Services Ltd

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +17.2919.9923.0623.6423.3528.4331.9039.8740.2839.8848.0551.9667.33
Interest1.491.571.171.651.782.493.904.335.627.088.3613.6019.89
Expenses +12.1615.7516.3015.3115.0420.0423.4127.5429.0625.3831.6428.3437.57
Financing Profit3.642.675.596.686.535.904.598.005.607.428.0510.029.87
Financing Margin %21.05%13.36%24.24%28.26%27.97%20.75%14.39%20.07%13.90%18.61%16.75%19.28%14.66%
Other Income +0.060.040.040.070.080.080.230.130.140.160.090.511.89
Depreciation0.160.120.120.120.120.080.160.320.500.750.750.591.34
Profit before tax3.542.595.516.636.495.904.667.815.246.837.399.9410.42
Tax %36.16%26.25%20.87%25.79%24.65%25.59%25.54%27.91%25.38%25.48%19.89%29.88%22.84%
Net Profit +2.261.904.364.914.894.393.475.643.915.095.926.988.04
EPS in Rs0.180.150.340.390.390.350.270.440.310.360.420.500.57
Gross NPA %
Net NPA %

Financials of Finkurve Financial Services Ltd

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +291012151620445090141207
Interest289812873561749
Expenses +000223713266299123
Financing Profit01131562720222535
Financing Margin %9%9%8%21%8%33%31%63%39%24%17%17%
Other Income +000000000003
Depreciation000000000013
Profit before tax01131562720212435
Tax %18%30%32%32%33%25%26%20%27%24%26%25%
Net Profit +01121452214161726
EPS in Rs0.010.050.060.190.080.320.361.701.131.271.371.86
Dividend Payout %0%0%0%0%0%0%0%0%0%0%0%0%

Financials of Finkurve Financial Services Ltd

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital101010101013131313131314
Reserves11244119123145160176194331
Borrowing307275110937376245275241847
Other Liabilities +0173013410202941
Total Liabilities4183931271072062151862352844771,233
Fixed Assets +0000000111827
CWIP000000000080
Investments1010101010111354357
Other Assets +317383117971952021802292794561,199
Total Assets4183931271072062151862352844771,233

Financials of Finkurve Financial Services Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-24-338-3030-84629-20-7-134-566
Cash from Investing Activity +-0-0-0-0-0-1-128-1-6-5-7
Cash from Financing Activity +2533-628-2985-4-562318145659
Net Cash Flow102-31-01124787
Free Cash Flow-24-338-3030-84628-21-14-138-572
CFO/OP-1,357%-349%89%-276%234%-622%63%115%-66%-12%-308%-663%

Financials of Finkurve Financial Services Ltd

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %1%5%5%14%6%6%3%3%9%9%9%9%

Guidance history

How Finkurve Financial Services Ltd's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q1 FY27 call →40%+Up 0–2%PlannedPlannedRising
Q4 FY26 call →40%+FlatPlannedNone plannedRising
Q3 FY26 call →40%+Down 0–2%Planned—Rising

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

15out of 100

Momentum score · price trend

15 out of 100 — Cooling

Over the past year its share price has done worse than most of the stocks we track.

PeriodShare price changeBetter than … of 1,910 stocks
Last 12 months−44.9%7%
Last 6 months−11.9%33%
Last 3 months+4.3%71%

The price is 56.6% below its all-time high of ₹146.3 (11 Apr 2025). Stocks more than 20% below their peak have their score halved, so 30 became 15.

How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For Finkurve Financial Services Ltd: 0.4 × 7 + 0.4 × 33 + 0.2 × 71 = 30, halved to 15 because the price is more than 20% below its all-time high.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 29 Oct 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

Continue your research

What Finkurve Financial Services Ltd's management said in earlier quarters

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