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 ₹ 235 Cr.
- Current Price ₹ 123
- High / Low ₹ 165 / 76.0
- Stock P/E 20.2
- Book Value ₹
- Dividend Yield 0.00 %
- ROCE 32.7 %
- ROE 32.4 %
- Face Value ₹ 10.0
Pros
- Company has a good return on equity (ROE) track record: 3 Years ROE 37.5%
Cons
* 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: | 35% |
| 3 Years: | 38% |
| Last Year: | 32% |
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 | Mar 2026 | |
|---|---|---|---|---|---|
| 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 | Mar 2026 | |
|---|---|---|---|---|---|
| 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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Analysts/Institutional Investor Meet/Con. Call Updates
27 May 2026 - Recorded investor conference call held on 27 May 2026 after FY2026 results.
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Analysts/Institutional Investor Meet/Con. Call Updates
27 May 2026 - Company held virtual investor call on 27 May 2026 after annual results; no UPSI shared.
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Updates
27 May 2026 - Company says Annual Secretarial Compliance Report under Regulation 24A is not applicable for its SME listing.
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Investor Presentation
27 May 2026 - FY26 investor presentation highlights IPO, 10,250+ cr disbursals, RBI approval, and Equall lending launch.
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Outcome of Board Meeting
27 May 2026 - Board approved FY26 audited results, appointed CEO for LTCV Credit, and diluted stake to 66.77%.
Annual reports
No data available.
Concalls
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May 2026TranscriptPPT 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.