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 ₹ 263 Cr.
- Current Price ₹ 138
- High / Low ₹ 165 / 76.0
- Stock P/E 22.6
- 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% | 3.1% | 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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Analysts/Institutional Investor Meet/Con. Call Updates
- Finbud Financial Services to hold virtual GIA BFSI/Fintech analyst meet on 20 August 2026, 2:00-5:00 PM.
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Monitoring Agency Report
- Monitoring agency report for quarter ended June 30, 2026 shows nil deviation in Rs 71.68 crore IPO proceeds.
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Outcome of Board Meeting
- Board approved Q1FY27 business update: revenue Rs 83.2 crore, up 39% YoY; total disbursals rose 49%.
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Quarterly Compliance Report on Corporate governance - within 21 days from the end of the quarter
- Finbud Financial Services Limited has informed regarding Non applicability of the Compliance Report on Corporate Governance for the Q1 FY 2026-27
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Certificate under SEBI (Depositories and Participants) Regulations, 2018
- Finbud Financial Services Limited has informed about Certificate under SEBI (Depositories and Participants) Regulations, 2018
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.