Finkurve Financial Services Ltd

₹ 113 -2.05%

30 Oct - close price

About

Incorporated in 1984, Finkurve Financials Services Ltd operates in Financing and
other activities^[1]

Key Points

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.

Website BSE NSE

Market Cap ₹ 1,582 Cr.
Current Price ₹ 113
High / Low ₹ 154 / 82.5
Stock P/E 80.2
Book Value ₹ 12.5
Dividend Yield 0.00 %
ROCE 14.3 %
ROE 13.3 %
Face Value ₹ 1.00

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Pros

Company has reduced debt.
Company has delivered good profit growth of 102% CAGR over last 5 years

Cons

Stock is trading at 9.07 times its book value
Though the company is reporting repeated profits, it is not paying out dividend
Promoter holding has decreased over last quarter: -5.82%
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.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Dec 2023
	3.43	3.73	6.52	10.55	6.33	7.25	5.56	8.88	8.10	10.49	10.22	27.74	23.64
	1.54	2.18	2.92	4.31	2.30	2.20	4.59	5.39	5.03	6.41	10.08	6.60	15.31
Operating Profit	1.89	1.55	3.60	6.24	4.03	5.05	0.97	3.49	3.07	4.08	0.14	21.14	8.33
OPM %	55.10%	41.55%	55.21%	59.15%	63.67%	69.66%	17.45%	39.30%	37.90%	38.89%	1.37%	76.21%	35.24%
	0.12	0.12	0.21	0.29	0.03	0.19	0.53	-0.09	0.20	0.02	0.15	0.24	0.07
Interest	1.25	1.15	2.02	3.75	1.79	1.79	1.85	1.60	0.55	1.76	0.59	0.52	1.65
Depreciation	0.06	0.10	0.11	0.25	0.18	0.17	0.17	0.34	0.18	0.22	0.22	0.13	0.12
Profit before tax	0.70	0.42	1.68	2.53	2.09	3.28	-0.52	1.46	2.54	2.12	-0.52	20.73	6.63
Tax %	0.00%	0.00%	0.00%	49.41%	26.79%	24.09%	-15.38%	35.62%	26.38%	26.89%	32.69%	17.99%	25.79%
	0.70	0.42	1.68	1.27	1.53	2.49	-0.43	0.95	1.87	1.54	-0.68	17.01	4.91
EPS in Rs	0.06	0.04	0.14	0.11	0.12	0.20	-0.04	0.08	0.15	0.12	-0.05	1.34	0.39
Raw PDF

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:	22%
5 Years:	20%
3 Years:	30%
1 Year:	31%

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%

Shareholding Pattern

Numbers in percentages

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
	52.86%	54.60%	54.60%	54.60%	54.60%	58.99%	58.99%	58.99%	61.70%	62.07%	62.07%	56.26%
	5.84%	5.84%	5.84%	5.84%	5.84%	5.84%	5.84%	5.84%	5.84%	5.89%	6.61%	6.71%
	41.28%	39.56%	39.56%	39.56%	39.55%	35.17%	35.17%	35.16%	32.45%	32.05%	31.32%	37.04%
No. of Shareholders	1,280	1,371	1,319	1,399	1,881	2,299	2,102	1,883	2,744	2,888	2,724	2,788

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
	72.70%	72.70%	72.70%	55.36%	52.86%	52.86%	54.60%	58.99%	62.07%	56.26%
	0.00%	0.00%	0.07%	0.00%	0.00%	5.84%	5.84%	5.84%	5.89%	6.71%
	27.30%	27.30%	27.23%	44.64%	47.14%	41.29%	39.56%	35.17%	32.05%	37.04%
No. of Shareholders	309	312	337	1,035	1,130	1,300	1,371	2,299	2,888	2,788

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Finkurve Financial Services Ltd

Finkurve Financial Services Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Shareholding Pattern

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