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 ₹ 226 Cr.
- Current Price ₹ 119
- High / Low ₹ 165 / 76.0
- Stock P/E 19.4
- Book Value ₹ 60.6
- Dividend Yield 0.00 %
- ROCE 18.0 %
- 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 | -0.01 | 1.46 | 4.49 | 5.99 | 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: | 39% |
| 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/EBITDA Share of operating profit converting into cash: CFO (before tax) / Operating Profit | 102% | 78% | 3% | -68% | -69% |
Ratios
Consolidated / 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% | 33% | 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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| Agent 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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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 Q2 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
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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
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Shareholders meeting
- Finbud Financial Services Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on September 30, 2026. Further, the company has …
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Shareholders meeting
- Finbud Financial Services Limited has informed regarding Proceedings of Annual General Meeting held on September 30, 2026
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.