Finbud Financial Services Ltd
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]
- Market Cap ₹ 236 Cr.
- Current Price ₹ 124
- High / Low ₹ 165 / 76.0
- Stock P/E 20.3
- Book Value ₹ 60.2
- Dividend Yield 0.00 %
- ROCE 18.5 %
- ROE 15.4 %
- Face Value ₹ 10.0
Pros
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Financial Services Financial Services Financial Technology (Fintech) Financial Technology (Fintech)
Part of Nifty SME Emerge
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| 88 | 135 | 190 | 223 | 317 | |
| 86 | 131 | 179 | 208 | 297 | |
| Operating Profit | 2 | 4 | 11 | 15 | 20 |
| OPM % | 2% | 3% | 6% | 7% | 6% |
| 0 | 0 | 0 | 0 | 0 | |
| 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% |
| -0 | 2 | 6 | 8 | 12 | |
| EPS in Rs | -6.37 | 1,152.87 | 3,592.36 | 6.06 | 6.10 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 33% |
| TTM: | 42% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 86% |
| TTM: | 37% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | % |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 24% |
| 3 Years: | 24% |
| Last Year: | 15% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| Equity Capital | 0.02 | 0.02 | 0.02 | 14 | 19 |
| Reserves | 4 | 6 | 11 | 22 | 96 |
| 6 | 7 | 12 | 19 | 23 | |
| 14 | 13 | 20 | 14 | 21 | |
| Total Liabilities | 24 | 26 | 44 | 68 | 159 |
| 2 | 2 | 2 | 3 | 5 | |
| CWIP | 0 | 0 | 0 | 0 | 0 |
| Investments | 2 | 2 | 2 | 5 | 11 |
| 20 | 22 | 39 | 60 | 143 | |
| Total Assets | 24 | 26 | 44 | 68 | 159 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| 2 | -2 | -11 | -8 | ||
| -1 | -2 | -5 | -2 | ||
| 1 | 4 | 20 | 69 | ||
| Net Cash Flow | 1 | 0 | 4 | 60 | |
| Free Cash Flow | 0 | -4 | -12 | -12 | |
| CFO/OP | 57% | 5% | -50% | -39% |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| Debtor Days | 50 | 41 | 52 | 58 | 51 |
| Inventory Days | |||||
| Days Payable | |||||
| Cash Conversion Cycle | 50 | 41 | 52 | 58 | 51 |
| Working Capital Days | 15 | 18 | 21 | 42 | 39 |
| ROCE % | 30% | 49% | 34% | 19% |
Insights
In beta| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| Disbursal Volume INR Crores |
|
||||
| Customer Data Lake Size Crores |
|||||
| Geographic Reach (Pin Codes Covered) Number |
|||||
| Last Mile Agents Number |
|||||
| Master Agents Number |
|||||
| Revenue Mix - Agent Channel Percentage |
|||||
| Revenue Mix - Digital Channel Percentage |
|||||
Extracted by Screener AI
Documents
Announcements
-
Analysts/Institutional Investor Meet/Con. Call Updates
1 June 2026 - Finbud filed Q4 FY26 investor call transcript; FY27 revenue targeted at INR 425 crore.
-
Structural Digital Database
30 May 2026 - SDD compliance certificate for FY ended 31 March 2026 notes delayed entries, later rectified on 30 May 2026.
-
Analysts/Institutional Investor Meet/Con. Call Updates
27 May 2026 - Recorded investor conference call held on 27 May 2026 after FY2026 results.
-
Analysts/Institutional Investor Meet/Con. Call Updates
27 May 2026 - Company held virtual investor call on 27 May 2026 after annual results; no UPSI shared.
-
Updates
27 May 2026 - Company says Annual Secretarial Compliance Report under Regulation 24A is not applicable for its SME listing.
Annual reports
No data available.
Concalls
-
Jun 2026Transcript PPT REC
-
Dec 2025Transcript PPT
Business Profile[1]
Headquartered in Bangalore, Finance Buddha operates as a retail loan aggregation platform enabling individuals and SMEs to access personal, business, and home loans through partner banks and NBFCs. It also owns LTCV Credit Pvt. Ltd., a 100% subsidiary and RBI-registered NBFC-ND.