Finkurve Financial Services Ltd. | Small-cap | Financial Services
₹105.85
-2.31%
| Finkurve Financial Stock Comparison:
Finkurve Financial vs Bajaj FinanceFinkurve Financial vs Indian RailwayFinkurve Financial vs Northern Arc CapitalFinkurve Financial vs Dhani ServicesFinkurve Financial vs IndoStar CapitalFinkurve Financial vs NIFTY 50 | Market
TL;DR Income Statement Balance Sheet Cash Flow Key Ratios Peer Comparison

TL;DR: Financial Overview - Revenue, Profits & Key Metrics

Latest Quarterly: Jun 2025

Income Metrics

Revenue 398.3M
Gross Profit 160.6M 40.33%
Operating Income 114.1M 28.65%
Net Income 50.9M 12.78%
EPS (Diluted) ₹0.38

Balance Sheet Metrics

Total Assets 4.8B
Total Liabilities 2.7B
Shareholders Equity 2.1B
Debt to Equity 1.31

Cash Flow Metrics

Revenue & Profitability Trend

Finkurve Financial Income Statement From 2021 to 2025

Metric20252024202320222021
Revenue i1.4B893.3M503.5M226.4M262.6M
Cost of Goods Sold i851.4M406.0M253.0M104.0M137.7M
Gross Profit i536.2M487.3M250.5M122.4M124.8M
Gross Margin % i38.6%54.6%49.8%54.1%47.6%
Operating Expenses
Research & Development i-----
Selling, General & Administrative i-15.2M11.3M12.4M8.4M
Other Operating Expenses i132.9M38.1M26.1M13.8M10.1M
Total Operating Expenses i132.9M53.3M37.4M26.1M18.5M
Operating Income i392.7M422.5M203.6M83.8M93.6M
Operating Margin % i28.3%47.3%40.4%37.0%35.7%
Non-Operating Items
Interest Income i-2.2M666.0K130.0K4.1M
Interest Expense i-7.6M6.8M507.0K2.5M
Other Non-Operating Income-----
Pre-tax Income i236.2M212.2M196.0M270.6M63.2M
Income Tax i62.1M51.5M52.7M54.5M17.8M
Effective Tax Rate % i26.3%24.3%26.9%20.1%28.2%
Net Income i174.1M160.7M143.2M216.1M45.4M
Net Margin % i12.5%18.0%28.4%95.4%17.3%
Key Metrics
EBITDA i565.6M429.1M209.4M296.1M105.1M
EPS (Basic) i₹1.37₹1.27₹1.13₹1.70₹0.36
EPS (Diluted) i₹1.37₹1.27₹1.13₹1.70₹0.36
Basic Shares Outstanding i127060584126858198126858198126858198126858198
Diluted Shares Outstanding i127060584126858198126858198126858198126858198

Income Statement Trend

Finkurve Financial Balance Sheet From 2021 to 2025

Metric20252024202320222021
Assets
Current Assets
Cash & Equivalents i154.5M86.6M44.6M26.3M102.4M
Short-term Investments i-5.9M6.6M6.6M3.0M
Accounts Receivable i0-012.7M8.0M
Inventory i-----
Other Current Assets---3.0K1.1M
Total Current Assets i4.4B2.6B2.1B1.5B455.5M
Non-Current Assets
Property, Plant & Equipment i75.2M7.4M11.7M6.1M1.0M
Goodwill i1.3M1.3M61.0K165.0K1.3M
Intangible Assets i1.3M1.3M61.0K165.0K1.3M
Long-term Investments---0-
Other Non-Current Assets9.7M66.8M383.0K4.2M416.0K
Total Non-Current Assets i354.6M214.9M242.1M367.4M1.8B
Total Assets i4.8B2.8B2.3B1.9B2.2B
Liabilities
Current Liabilities
Accounts Payable i166.0M58.8M38.2M15.0M12.6M
Short-term Debt i-503.8M436.3M160.0M718.8M
Current Portion of Long-term Debt-----
Other Current Liabilities----28.1M
Total Current Liabilities i171.5M699.8M542.2M203.2M787.7M
Non-Current Liabilities
Long-term Debt i2.4B248.4M78.2M76.6M57.0M
Deferred Tax Liabilities i--5.3M05.3M
Other Non-Current Liabilities9.4M15.0K-15.0K-1.0K7.4M
Total Non-Current Liabilities i2.5B249.7M79.0M77.8M59.7M
Total Liabilities i2.7B949.5M621.1M281.0M847.4M
Equity
Common Stock i126.9M126.9M126.9M126.9M126.9M
Retained Earnings i-513.8M385.3M270.7M114.4M
Treasury Stock i-----
Other Equity-----
Total Shareholders Equity i2.1B1.9B1.7B1.6B1.4B
Key Metrics
Total Debt i2.4B752.2M514.6M236.6M775.8M
Working Capital i4.2B1.9B1.6B1.3B-332.2M

Balance Sheet Composition

Finkurve Financial Cash Flow Statement From 2021 to 2025

Metric20252024202320222021
Operating Activities
Net Income i236.2M212.2M196.0M270.6M63.2M
Depreciation & Amortization i-----
Stock-Based Compensation i3.2M1.5M782.0K5.1M0
Working Capital Changes i-2.0B-538.2M-438.0M217.4M-117.4M
Operating Cash Flow i-1.6B-262.9M-191.8M526.2M11.9M
Investing Activities
Capital Expenditures i-44.8M-68.0M-8.5M-4.6M-2.2M
Acquisitions i---241.5M0
Investment Purchases i-1.0M-7.8M-63.6M-202.2M-111.8M
Investment Sales i10.0K12.4M63.1M483.2M105.9M
Investing Cash Flow i-45.8M-63.4M-9.0M518.0M-8.1M
Financing Activities
Share Repurchases i-----
Dividends Paid i-----
Debt Issuance i-----
Debt Repayment i-----
Financing Cash Flow i1.4M-1.0K--1.0K0
Free Cash Flow i-1.4B-138.6M-211.4M281.2M40.0M
Net Change in Cash i-1.6B-326.3M-200.8M1.0B3.8M

Cash Flow Trend

Finkurve Financial Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 75.11
Price to Book 6.65
Price to Sales 12.92
PEG Ratio 8.76

Profitability Ratios

Profit Margin 15.89%
Operating Margin 24.25%
Return on Equity 8.43%
Return on Assets 3.65%

Financial Health

Current Ratio 25.74
Debt to Equity 116.81
Beta 0.15

Per Share Data

EPS (TTM) ₹1.40
Book Value per Share ₹15.82
Revenue per Share ₹8.82

Peer Financial Comparison

CompanyMarket CapP/E RatioP/B RatioROEProfit MarginDebt/Equity
finkurve14.7B75.116.658.43%15.89%116.81
Bajaj Finance 5.6T31.905.7520.08%44.94%294.16
Indian Railway 1.6T24.463.0012.68%97.62%748.58
Northern Arc Capital 40.7B13.931.189.96%26.85%287.35
Dhani Services 38.0B110.561.31-1.91%10.03%17.62
IndoStar Capital 37.0B6.641.013.32%859.02%190.25

Financial data is updated regularly. All figures are in the company's reporting currency.