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 ₹ 234 Cr.
- Current Price ₹ 123
- High / Low ₹ 165 / 76.0
- Stock P/E 20.0
- Book Value ₹ 60.6
- Dividend Yield 0.00 %
- ROCE 17.8 %
- 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
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| 88 | 135 | 190 | 223 | 316 | |
| 86 | 131 | 180 | 209 | 298 | |
| Operating Profit | 2 | 4 | 11 | 15 | 18 |
| OPM % | 2% | 3% | 6% | 7% | 6% |
| 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% |
| -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% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 33% |
| TTM: | 42% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 85% |
| TTM: | 37% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | % |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 23% |
| 3 Years: | 24% |
| Last Year: | 15% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| Equity Capital | 0.02 | 0.02 | 0.02 | 14 | 19 |
| Reserves | 4 | 6 | 12 | 22 | 96 |
| 6 | 7 | 12 | 19 | 23 | |
| 15 | 14 | 21 | 14 | 28 | |
| Total Liabilities | 25 | 28 | 45 | 69 | 167 |
| 2 | 2 | 2 | 3 | 5 | |
| CWIP | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 0 | 6 |
| 23 | 26 | 43 | 66 | 156 | |
| Total Assets | 25 | 28 | 45 | 69 | 167 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| 2 | 3 | -2 | -13 | -13 | |
| -1 | -1 | -2 | -1 | -2 | |
| -2 | 1 | 4 | 20 | 77 | |
| Net Cash Flow | -1 | 2 | 0 | 6 | 62 |
| Free Cash Flow | 1 | 1 | -4 | -15 | -17 |
| CFO/OP | 102% | 78% | 3% | -67% | -70% |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| Debtor Days | 50 | 41 | 52 | 57 | 51 |
| Inventory Days | |||||
| Days Payable | |||||
| Cash Conversion Cycle | 50 | 41 | 52 | 57 | 51 |
| Working Capital Days | 22 | 19 | 21 | 42 | 46 |
| ROCE % | 29% | 49% | 34% | 18% |
Insights
In beta| Mar 2025 | Mar 2026 | |
|---|---|---|
| Customer Base (Data Lake) Crore customers |
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| Last-Mile Agents count |
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| Lender Partners on Platform count |
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| Master Agents count |
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| Pin Codes Covered count |
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| Total Loan Disbursals INR Crore |
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| Digital (ZAP) Loan Disbursals INR Crore |
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| NBFC (EQUALL) Loan Disbursals INR Crore |
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Extracted by Screener AI
Documents
Announcements
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Reply to Clarification- Financial results
3 July 2026 - Finbud clarifies IPO utilisation certificates are not required after submitting Monitoring Agency Report for quarter ended 31 March 2026.
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Clarification - Financial Results
25 June 2026 - Exchange has sought clarification from Finbud Financial Services Limited for the quarter ended 31-Mar-2026 with respect to Regulation 33 of the SEBI (LODR) Regulations, 2015. …
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Updates
22 June 2026 - Promoter group member Saloni Bhatia bought 1,000 shares on 17 June 2026.
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Disclosure under SEBI Takeover Regulations
17 June 2026 - Finbud Financial Services Limited has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) of the SEBI (Substantial Acquisition of Shares and Takeovers) …
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Analysts/Institutional Investor Meet/Con. Call Updates
16 June 2026 - Management to attend GIA Flagship Conference 2026 on 24 June 2026 in Mumbai.
Annual reports
No data available.
Concalls
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Jun 2026Transcript PPT REC
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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.