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 ₹ 239 Cr.
- Current Price ₹ 126
- High / Low ₹ 165 / 76.0
- Stock P/E 24.5
- 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%
- Company might be capitalizing the interest cost
* 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
Half Yearly 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 | TTM | |
|---|---|---|---|---|---|
| 88 | 135 | 190 | 223 | 260 | |
| 86 | 131 | 180 | 209 | 243 | |
| Operating Profit | 2 | 4 | 11 | 15 | 17 |
| OPM % | 2% | 3% | 6% | 7% | 7% |
| 0 | 0 | 0 | 0 | 0 | |
| Interest | 1 | 1 | 1 | 1 | 2 |
| Depreciation | 1 | 1 | 1 | 2 | 2 |
| Profit before tax | 0 | 2 | 8 | 12 | 14 |
| Tax % | 106% | 25% | 30% | 29% | |
| -0 | 2 | 6 | 8 | 10 | |
| EPS in Rs | -6.37 | 1,171.97 | 3,605.10 | 6.07 | 6.98 |
| 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 | Sep 2025 | |
|---|---|---|---|---|---|
| Equity Capital | 0.02 | 0.02 | 0.02 | 14 | 14 |
| Reserves | 4 | 6 | 12 | 22 | 27 |
| 6 | 7 | 12 | 19 | 35 | |
| 15 | 14 | 21 | 14 | 19 | |
| Total Liabilities | 25 | 28 | 45 | 69 | 95 |
| 2 | 2 | 2 | 3 | 3 | |
| CWIP | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 0 | 0 |
| 23 | 26 | 43 | 66 | 92 | |
| Total Assets | 25 | 28 | 45 | 69 | 95 |
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 |
| Free Cash Flow | 1 | 1 | -4 | -15 |
| CFO/OP | 102% | 78% | 3% | -67% |
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% |
Insights
In beta| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| Disbursal Volume INR Crores |
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| Customer Data Lake Size Crores |
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| Geographic Reach (Pin Codes Covered) Number ・Standalone data |
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| Last Mile Agents Number ・Standalone data |
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| Master Agents Number ・Standalone data |
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| Revenue Mix - Agent Channel Percentage |
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| Revenue Mix - Digital Channel Percentage |
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Extracted by Screener AI
Documents
Announcements
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Certificate under SEBI (Depositories and Participants) Regulations, 2018
9 April 2026 - Regulation 74(5) certificate filed for quarter ended 31 March 2026; no physical dematerialization requests received.
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General Updates
26 March 2026 - RBI approved Mar 25, 2026: 33.33% stake allotment to Ajay Vikram Singh; 25,10,789 shares totaling INR 2,63,63,285.
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Trading Window
25 March 2026 - Trading window closed April 1, 2026 until 48 hours after audited FY2026 results declaration.
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Updates
20 March 2026 - Vivek Bhatia bought 2,000 shares; Parth Pande bought 10,000 shares on 20-Mar-2026 via NSE.
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Shareholders meeting
18 March 2026 - EGM on 16-Mar-2026 approved regularization of Ankit Gupta and extended IPO proceeds utilisation timeline.
Annual reports
No data available.
Concalls
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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.