FINKURVE
Finkurve Financial Services Limited (FINKURVE) Stock Analysis
Finkurve Financial Services Limited is an Indian NBFC providing loans to micro and small enterprises. It focuses on collateral-light lending and financial inclusion segments. The company supports working-capital needs of small businesses. It is listed on Indian stock exchanges.
Financial Services › Credit Services
₹69.50
-1.52% 1W | -45.40% 52W
Market Cap
973 CR
P/E Ratio
33.7
52W High
₹133.1
52W Low
₹48
Div. Yield
0%
Beta
0.3
50 DMA
₹69.5
200 DMA
₹71.4
Profit Margin
18.4%
Inst. Own.
0%
⚠️ BREAKDOWN
⚠️ BREAKDOWN
Fundamentals
Profit & Loss
| Metric | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 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 |
| 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 |
| Expenses | 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 |
| Financing Profit | 0.64 | 0.40 | 1.58 | 2.49 | 2.24 | 3.26 | -0.88 | 1.89 | 2.52 | 2.32 | -0.45 | 20.62 | 6.68 |
| Financing Margin % | 18.66% | 10.72% | 24.23% | 23.60% | 35.39% | 44.97% | -15.83% | 21.28% | 31.11% | 22.12% | -4.40% | 74.33% | 28.26% |
| Other Income | 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 |
| 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% |
| Net Profit | 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 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 392 | 415 | 920 | 494 | 327 | 299 | 18 | 25 | 28 | 57 |
| Interest | 2 | 1 | 2 | 8 | 9 | 8 | 12 | 8 | 7 | 4 |
| Expenses | 390 | 414 | 917 | 484 | 317 | 288 | 5 | 11 | 14 | 28 |
| Financing Profit | 1 | -0 | 2 | 2 | 1 | 2 | 1 | 6 | 7 | 25 |
| Financing Margin % | 0% | -0% | 0% | 0% | 0% | 1% | 5% | 23% | 24% | 44% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 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% |
| Net Profit | 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% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 48.0% | -30.0% | – |
| Profit CAGR | 253.0% | 102.0% | – |
Shareholding Pattern
Promoters62.07%
FIIs6.61%
Public31.32%
Promoters56.26%
FIIs6.71%
Public37.04%
Promoters56.24%
FIIs6.70%
Public37.05%
Promoters56.24%
FIIs7.02%
Public36.74%
Promoters56.21%
FIIs7.30%
Public36.49%
Promoters54.60%
FIIs5.84%
Public39.56%
Promoters58.99%
FIIs5.84%
Public35.17%
Promoters62.07%
FIIs5.89%
Public32.05%
Promoters56.24%
FIIs7.02%
Public36.74%
Promoters56.21%
FIIs7.30%
Public36.49%
FINKURVE
Holdings Analysis
Key strengths & risk signals
67
Overall
77
Fundamental
58
Technical
Risks (4)
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
POOR YEAR! Stock declined 45.4% in the last year.
WEAK POSITION! Current price (69.5) is below both moving averages.
BEARISH TREND! 50-day average (69.5) is below 200-day average (71.4) - negative signal.
Strengths (4)
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
BULLISH SENTIMENT! In last 30 days: 13 up days, 17 down days. Avg volume on up days: 158,871 vs down days: 82,955. Ratio: 1.92x
LOW VOLATILITY! Beta of 0.30 - stable stock, less market risk.
NEUTRAL! RSI at 50.2 - balanced momentum.
Fundamental & Technical Analysis
67Overall
77Fundamental
58Technical
Fundamental Breakdown
Growth Quality
30/30
Revenue CAGR: 59.8% (EXCELLENT, 15/15). Profit CAGR: 22.0% (EXCELLENT, 15/15).
Profit Margin
6/10
GOOD EFFICIENCY! 18.4% profit margin - above average profitability.
PEG Valuation
8/10
FAIRLY VALUED! PEG of 1.53 indicates reasonable valuation.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
10/20
SIGNIFICANT PUBLIC HOLDING! 39.56% public ownership - moderate retail influence.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
3/10
BEARISH TREND! 50-day average (69.5) is below 200-day average (71.4) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (69.5) is below both moving averages.
Trend Pattern
10/20
BREAKDOWN! Stock has broken below support levels - weakness present.
52W Performance
0/10
POOR YEAR! Stock declined 45.4% in the last year.
Volume Sentiment
30/30
BULLISH SENTIMENT! In last 30 days: 13 up days, 17 down days. Avg volume on up days: 158,871 vs down days: 82,955. Ratio: 1.92x
RSI
3/5
NEUTRAL! RSI at 50.2 - balanced momentum.
52W Range
2/5
LOWER HALF! Trading at 25.3% of 52W range - weakness visible.
Momentum
3/5
MIXED MOMENTUM! Price growth is inconsistent - -1.5% (1 week), 2.8% (1 month), 6.5% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.30 - stable stock, less market risk.
FINKURVE
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-05-27 | Concall PDF | |
| Q3FY262026-02-13 | Concall PDF |
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FINKURVE | ₹69.50 | 33.7 | 18.4% | 59.8% | 22.0% | -45.4% | 67 | BREAKDOWN | +64.7% | +5.0% | +87.9% | +13.0% |
| HEXATRADEX | ₹157.00 | – | -150.2% | 71.9% | – | -10.2% | 44 | APPROACHING SUPPORT | -950.0% | -151.5% | – | -100.0% |
| CIFL | ₹20.10 | 20.3 | 7.3% | -7.4% | – | -40.1% | 42 | APPROACHING SUPPORT | +17.9% | +1,550.0% | +0.7% | +1.2% |
| UGROCAP | ₹79.90 | 5.6 | 24.0% | 42.4% | 63.8% | -55.3% | 64 | APPROACHING SUPPORT | +99.1% | +32.9% | +27.5% | -8.3% |
| FEDDERSHOL | ₹59.80 | 14 | 25.5% | 42.3% | 64.0% | +50.6% | 75 | CONSOLIDATING DOWN | -34.5% | -54.4% | -11.0% | -48.6% |
| MANBA | ₹141.60 | 14.6 | 33.8% | 35.9% | 39.9% | +5.7% | 84 | APPROACHING RESISTANCE | +35.7% | +19.8% | +35.1% | -7.9% |
| LAXMIINDIA | ₹106.20 | 9.3 | 30.6% | 33.1% | 46.1% | -26.0% | 76 | BREAKDOWN | +69.4% | -19.0% | +30.7% | -2.5% |
| MANCREDIT | ₹227.20 | 26.6 | 23.2% | 48.1% | 24.6% | +33.4% | 78 | BREAKOUT | +90.0% | +3.6% | +53.1% | +4.2% |
Data from TradeAlone · Updated daily
