Finkurve Financial Services Ltd
Incorporated in 1984, Finkurve Financials Services Ltd operates in Financing and
other activities[1]
- Market Cap ₹ 1,757 Cr.
- Current Price ₹ 125
- High / Low ₹ 154 / 78.1
- Stock P/E 89.1
- Book Value ₹ 12.5
- Dividend Yield 0.00 %
- ROCE 14.3 %
- ROE 13.3 %
- Face Value ₹ 1.00
Pros
- Company has reduced debt.
- Company has delivered good profit growth of 102% CAGR over last 5 years
Cons
- Stock is trading at 10.1 times its book value
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has a low return on equity of 7.93% over last 3 years.
* 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.
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | |
---|---|---|---|---|---|---|---|---|---|---|
392 | 415 | 920 | 494 | 327 | 299 | 18 | 25 | 28 | 57 | |
390 | 414 | 917 | 484 | 317 | 288 | 5 | 11 | 14 | 28 | |
Operating Profit | 2 | 0 | 3 | 10 | 10 | 11 | 13 | 14 | 14 | 29 |
OPM % | 1% | 0% | 0% | 2% | 3% | 4% | 71% | 57% | 50% | 51% |
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
Interest | 2 | 1 | 2 | 8 | 9 | 8 | 12 | 8 | 7 | 4 |
Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 |
Profit before tax | 1 | -0 | 2 | 2 | 1 | 2 | 1 | 5 | 6 | 25 |
Tax % | 30% | 37% | 30% | 33% | 31% | 36% | 38% | 24% | 28% | 21% |
1 | -0 | 1 | 1 | 1 | 2 | 0 | 4 | 5 | 20 | |
EPS in Rs | 0.05 | -0.04 | 0.07 | 0.12 | 0.06 | 0.20 | 0.05 | 0.32 | 0.36 | 1.55 |
Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | -30% |
3 Years: | 48% |
TTM: | 100% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | 102% |
3 Years: | 253% |
TTM: | 331% |
Stock Price CAGR | |
---|---|
10 Years: | 23% |
5 Years: | 20% |
3 Years: | 29% |
1 Year: | 15% |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | 8% |
3 Years: | 8% |
Last Year: | 13% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | |
---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 1 | 10 | 10 | 10 | 10 | 10 | 10 | 13 | 13 | 13 |
Reserves | 10 | 2 | 2 | 3 | 4 | 6 | 6 | 121 | 125 | 145 |
14 | 4 | 31 | 72 | 75 | 111 | 93 | 75 | 78 | 24 | |
4 | 2 | 2 | 3 | 9 | 6 | 3 | 7 | 9 | 4 | |
Total Liabilities | 30 | 18 | 45 | 88 | 98 | 133 | 112 | 215 | 225 | 186 |
0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 | 2 | 1 | |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Investments | 1 | 1 | 0 | 1 | 1 | 3 | 1 | 2 | 4 | 5 |
28 | 16 | 44 | 87 | 96 | 130 | 111 | 211 | 219 | 180 | |
Total Assets | 30 | 18 | 45 | 88 | 98 | 133 | 112 | 215 | 225 | 186 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | |
---|---|---|---|---|---|---|---|---|---|---|
1 | 12 | -23 | -35 | 7 | -28 | 30 | -81 | 4 | 28 | |
-1 | 1 | 0 | -0 | 0 | -1 | -0 | -2 | -0 | 20 | |
-2 | -11 | 25 | 33 | -6 | 28 | -29 | 85 | -4 | -56 | |
Net Cash Flow | -1 | 2 | 2 | -2 | 1 | -1 | 1 | 2 | -1 | -8 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | |
---|---|---|---|---|---|---|---|---|---|---|
Debtor Days | 0 | 0 | 0 | 1 | 1 | 2 | 18 | 34 | 10 | 0 |
Inventory Days | 4 | 2 | 2 | 4 | 7 | 5 | ||||
Days Payable | 0 | 0 | 0 | 0 | 0 | 0 | ||||
Cash Conversion Cycle | 4 | 2 | 2 | 4 | 8 | 6 | 18 | 34 | 10 | 0 |
Working Capital Days | 5 | 7 | 3 | 9 | 86 | 26 | 37 | -186 | -60 | -6 |
ROCE % | 2% | 11% | 16% | 11% | 10% | 10% | 9% | 6% | 14% |
Documents
Announcements
- Results Of E-Voting And Scrutinizer''s Report 1d
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Announcement under Regulation 30 (LODR)-Credit Rating
2d - Crisil BBB/Stable reaffirmed; bank facilities raised to Rs200 Cr; Rs100 Cr NCD assigned, Rs100 Cr reaffirmed.
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Announcement Under Regulation 30 Of SEBI (LODR), Regulations, 2015 On Proceedings Of 41St Annual General Meeting Of The Company
2d - AGM Sep 30, 2025 approved financials, auditors, related-party loans, ₹2,500 crore borrowing limit, and NCD issuance.
- Shareholder Meeting / Postal Ballot-Outcome of AGM 2d
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Announcement Under Regulation 30 Of SEBI (LODR), Regulations, 2015- NSE Listing Approval
30 Sep - NSE listing of 140,019,206 equity shares; trading from Oct 1, 2025 as FINKURVE.
Annual reports
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Financial Year 2025
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Financial Year 2024
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
from bse
Business Overview:[1]
FFSL, erstwhile Sanjay Leasing Limited, is a non-systematically important, non-deposit-taking, Base Layer Non-Banking Financial Company(NBFC). It offers Gold
Loans, Pay Day loans, and loans under co-lending model. For the retail loans segment, the company works in collaboration with Fintech companies.