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 ₹ 298 Cr.
- Current Price ₹ 157
- High / Low ₹ 165 / 157
- Stock P/E 35.1
- Book Value ₹
- Dividend Yield 0.00 %
- ROCE 34.0 %
- ROE 35.6 %
- Face Value ₹ 10.0
Pros
- Company has a good return on equity (ROE) track record: 3 Years ROE 42.0%
Cons
- Promoter holding has decreased over last quarter: -17.2%
* 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.
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Operating Profit |
| OPM % |
| Interest |
| Depreciation |
| Profit before tax |
| Tax % |
| EPS in Rs |
| Raw PDF |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|
| 88 | 135 | 190 | 223 | |
| 86 | 131 | 180 | 209 | |
| Operating Profit | 2 | 4 | 11 | 15 |
| OPM % | 2% | 3% | 6% | 7% |
| 0 | 0 | 0 | 0 | |
| Interest | 1 | 1 | 1 | 1 |
| Depreciation | 1 | 1 | 1 | 2 |
| Profit before tax | 0 | 2 | 8 | 12 |
| Tax % | 106% | 25% | 30% | 29% |
| -0 | 2 | 6 | 8 | |
| EPS in Rs | -6.37 | 1,171.97 | 3,605.10 | 6.07 |
| Dividend Payout % | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 36% |
| TTM: | 17% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 848% |
| TTM: | 50% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | % |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 42% |
| Last Year: | 36% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|
| Equity Capital | 0.02 | 0.02 | 0.02 | 14 |
| Reserves | 4 | 6 | 12 | 22 |
| 6 | 7 | 12 | 19 | |
| 15 | 14 | 21 | 14 | |
| Total Liabilities | 25 | 28 | 45 | 69 |
| 2 | 2 | 2 | 3 | |
| CWIP | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 0 |
| 23 | 26 | 43 | 66 | |
| Total Assets | 25 | 28 | 45 | 69 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|
| 2 | 3 | -2 | -13 | |
| -1 | -1 | -2 | -1 | |
| -2 | 1 | 4 | 20 | |
| Net Cash Flow | -1 | 2 | 0 | 6 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|
| 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% |
Documents
Announcements
No data available.
Annual reports
No data available.
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.