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Finkurve Financial Services Ltd.
(FINKURVE)
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Rating:54Neutral
Price Target:
₹68.00
▲(11.48% Upside)
Action:Reiterated
Date:08/20/26
The score is primarily constrained by elevated financial risk: a sharp FY2026 leverage increase and inconsistent cash flow performance offset strong revenue growth and still-healthy margins. Technicals are mildly supportive in the near term but weakened versus the 200-day trend, while valuation is a headwind due to a high P/E and no dividend yield provided.
Positive Factors
Exceptional Revenue Expansion
The sharp FY2026 revenue increase and continued expansion from FY2022 indicate strong business scaling and growing commercial reach. If the company sustains this trajectory, a larger revenue base can support operating investment, strengthen market position, and create more durable earnings capacity.
Negative Factors
Sharp Leverage Increase
The rapid increase in debt relative to equity materially reduces financial flexibility and makes the business more sensitive to funding conditions. Higher leverage can constrain future capital allocation, increase financing demands, and amplify the effect of weaker operating performance over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Exceptional Revenue Expansion
The sharp FY2026 revenue increase and continued expansion from FY2022 indicate strong business scaling and growing commercial reach. If the company sustains this trajectory, a larger revenue base can support operating investment, strengthen market position, and create more durable earnings capacity.
Read all positive factors
Finkurve Financial Services Ltd. (FINKURVE) vs. iShares MSCI India ETF (INDA)
Market Cap
₹10.40B
Dividend YieldN/A
Average Volume (3M)14.17K
Price to Earnings (P/E)34.5
Beta (1Y)0.75
Revenue Growth60.26%
EPS Growth49.18%
CountryIN
Employees339
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.42
Shares Outstanding140,143,980
10 Day Avg. Volume15,343
30 Day Avg. Volume14,168
Financial Highlights & Ratios
PEG Ratio0.00
Price to Book (P/B)2.04
Price to Sales (P/S)3.38
P/FCF Ratio15.17
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Finkurve Financial Services Ltd. Business Overview & Revenue Model
Company Description
Finkurve Financial Services Limited operates as an Indian Non-Banking Financial Company (NBFC), providing a diverse array of lending and financial solutions across the country. Its product offerings include personal financing, credit secured by go...
Finkurve Financial Services Ltd. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
48
Neutral
Cash Flow
41
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 882.02M | 2.08B | 1.39B | 893.29M | 503.51M | 226.40M |
| Gross Profit | 376.16M | 825.25M | 580.27M | 487.30M | 250.51M | 122.41M |
| EBITDA | 100.22M | 380.16M | 270.84M | 224.56M | 207.09M | 273.95M |
| Net Income | 98.33M | 260.34M | 174.07M | 160.71M | 143.23M | 216.09M |
Balance Sheet | ||||||
| Total Assets | 7.41B | 12.33B | 4.77B | 2.84B | 2.35B | 1.86B |
| Cash, Cash Equivalents and Short-Term Investments | 386.20M | 1.02B | 200.17M | 92.45M | 51.24M | 32.87M |
| Total Debt | 3.82B | 8.47B | 2.41B | 753.94M | 516.35M | 236.61M |
| Total Liabilities | 4.13B | 8.88B | 2.71B | 949.49M | 621.13M | 281.02M |
| Stockholders Equity | 3.29B | 3.45B | 2.06B | 1.89B | 1.72B | 1.58B |
Cash Flow | ||||||
| Free Cash Flow | -2.77B | 464.02M | -1.38B | -138.59M | -211.41M | 281.19M |
| Operating Cash Flow | -2.70B | 526.43M | -1.34B | -70.58M | -202.90M | 285.79M |
| Investing Cash Flow | -65.07M | -6.73B | -45.83M | -63.37M | -9.03M | 276.46M |
| Financing Cash Flow | 2.98B | 7.07B | 1.45B | 175.89M | 230.24M | -555.38M |
Finkurve Financial Services Ltd. Technical Analysis
Positive
61.00
Price Trends
67.27
Positive
67.21
Positive
75.53
Negative
Market Momentum
0.71
Positive
56.02
Neutral
42.36
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:FINKURVE, the sentiment is Positive. The current price of 61 is below the 20-day moving average (MA) of 73.54, below the 50-day MA of 67.27, and below the 200-day MA of 75.53, indicating a neutral trend. The MACD of 0.71 indicates Positive momentum. The RSI at 56.02 is Neutral, neither overbought nor oversold. The STOCH value of 42.36 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:FINKURVE.
Finkurve Financial Services Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
62 Neutral | ₹18.06B | 13.89 | ― | 1.39% | 12.02% | -11.03% | |
61 Neutral | ₹15.65B | 8.20 | ― | 1.02% | 21.20% | 139.21% | |
59 Neutral | ₹21.21B | 18.16 | ― | 0.33% | <0.01% | 1773.87% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
54 Neutral | ₹10.40B | 34.52 | ― | ― | 60.26% | 49.18% | |
44 Neutral | ₹10.94B | -4.65 | ― | 0.20% | 6.44% | -74.59% |
* General Sector Average
IN:FINKURVE
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17.31%
Finkurve Financial Services Ltd. Corporate Events
Finkurve pays NCD interest on Rs 60 crore issue ahead of due date
Sep 10, 2026
Finkurve Financial Services Ltd. has informed the stock exchanges that it has duly paid monthly interest on its Rs 60 crore non-convertible debenture issue bearing ISIN INE734I07073. The company reported that net interest of about Rs 52.55 lakh, a...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.