Finkurve Financial Services Ltd. | Small-cap | Financial Services
₹122.35
0.20%
| Finkurve Financial Stock Comparison:
Finkurve Financial vs Bajaj FinanceFinkurve Financial vs Indian RailwayFinkurve Financial vs Northern Arc CapitalFinkurve Financial vs Dhani ServicesFinkurve Financial vs Tourism FinanceFinkurve 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

Metric 2025 2024 2023 2022 2021
Revenue i 1.4B 893.3M 503.5M 226.4M 262.6M
Cost of Goods Sold i 807.3M 406.0M 253.0M 104.0M 137.7M
Gross Profit i 580.3M 487.3M 250.5M 122.4M 124.8M
Gross Margin % i 41.8% 54.6% 49.8% 54.1% 47.6%
Operating Expenses
Research & Development i - - - - -
Selling, General & Administrative i 28.3M 15.2M 11.3M 12.4M 8.4M
Other Operating Expenses i 86.3M 38.1M 26.1M 13.8M 10.1M
Total Operating Expenses i 114.5M 53.3M 37.4M 26.1M 18.5M
Operating Income i 424.5M 422.5M 203.6M 83.8M 93.6M
Operating Margin % i 30.6% 47.3% 40.4% 37.0% 35.7%
Non-Operating Items
Interest Income i 4.9M 2.2M 666.0K 130.0K 4.1M
Interest Expense i 24.1M 7.6M 6.8M 507.0K 2.5M
Other Non-Operating Income - - - - -
Pre-tax Income i 236.2M 212.2M 196.0M 270.6M 63.2M
Income Tax i 62.1M 51.5M 52.7M 54.5M 17.8M
Effective Tax Rate % i 26.3% 24.3% 26.9% 20.1% 28.2%
Net Income i 174.1M 160.7M 143.2M 216.1M 45.4M
Net Margin % i 12.5% 18.0% 28.4% 95.4% 17.3%
Key Metrics
EBITDA i 433.2M 429.1M 209.4M 296.1M 105.1M
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 i 126878499 126858198 126858198 126858198 126858198
Diluted Shares Outstanding i 126878499 126858198 126858198 126858198 126858198

Income Statement Trend

Finkurve Financial Balance Sheet From 2021 to 2025

Metric 2025 2024 2023 2022 2021
Assets
Current Assets
Cash & Equivalents i 154.5M 86.6M 44.6M 26.3M 102.4M
Short-term Investments i 45.6M 5.9M 6.6M 6.6M 3.0M
Accounts Receivable i 0 - 0 12.7M 8.0M
Inventory i - - - - -
Other Current Assets - - - 3.0K 1.1M
Total Current Assets i 4.4B 2.6B 2.1B 1.5B 455.5M
Non-Current Assets
Property, Plant & Equipment i 75.2M 7.4M 11.7M 6.1M 1.0M
Goodwill i 1.3M 1.3M 61.0K 165.0K 1.3M
Intangible Assets i 1.3M 1.3M 61.0K 165.0K 1.3M
Long-term Investments - - - 0 -
Other Non-Current Assets 9.7M 66.8M 383.0K 4.2M 416.0K
Total Non-Current Assets i 353.8M 214.9M 242.1M 367.4M 1.8B
Total Assets i 4.8B 2.8B 2.3B 1.9B 2.2B
Liabilities
Current Liabilities
Accounts Payable i 164.1M 58.8M 38.2M 15.0M 12.6M
Short-term Debt i 1.6B 503.8M 436.3M 160.0M 718.8M
Current Portion of Long-term Debt - - - - -
Other Current Liabilities - - - - 28.1M
Total Current Liabilities i 1.8B 699.8M 542.2M 203.2M 787.7M
Non-Current Liabilities
Long-term Debt i 829.3M 248.4M 78.2M 76.6M 57.0M
Deferred Tax Liabilities i - - 5.3M 0 5.3M
Other Non-Current Liabilities 9.4M 15.0K -15.0K -1.0K 7.4M
Total Non-Current Liabilities i 859.3M 249.7M 79.0M 77.8M 59.7M
Total Liabilities i 2.7B 949.5M 621.1M 281.0M 847.4M
Equity
Common Stock i 126.9M 126.9M 126.9M 126.9M 126.9M
Retained Earnings i 653.1M 513.8M 385.3M 270.7M 114.4M
Treasury Stock i - - - - -
Other Equity - - - - -
Total Shareholders Equity i 2.1B 1.9B 1.7B 1.6B 1.4B
Key Metrics
Total Debt i 2.4B 752.2M 514.6M 236.6M 775.8M
Working Capital i 2.6B 1.9B 1.6B 1.3B -332.2M

Balance Sheet Composition

Finkurve Financial Cash Flow Statement From 2021 to 2025

Metric 2025 2024 2023 2022 2021
Operating Activities
Net Income i 236.2M 212.2M 196.0M 270.6M 63.2M
Depreciation & Amortization i - - - - -
Stock-Based Compensation i 3.2M 1.5M 782.0K 5.1M 0
Working Capital Changes i -2.0B -538.2M -438.0M 217.4M -117.4M
Operating Cash Flow i -1.6B -262.9M -191.8M 526.2M 11.9M
Investing Activities
Capital Expenditures i -44.8M -68.0M -8.5M -4.6M -2.2M
Acquisitions i - - - 241.5M 0
Investment Purchases i -1.0M -7.8M -63.6M -202.2M -111.8M
Investment Sales i 10.0K 12.4M 63.1M 483.2M 105.9M
Investing Cash Flow i -45.8M -63.4M -9.0M 518.0M -8.1M
Financing Activities
Share Repurchases i - - - - -
Dividends Paid i - - - - -
Debt Issuance i - - - - -
Debt Repayment i - - - - -
Financing Cash Flow i 1.4M -1.0K - -1.0K 0
Free Cash Flow i -1.4B -138.6M -211.4M 281.2M 40.0M
Net Change in Cash i -1.6B -326.3M -200.8M 1.0B 3.8M

Cash Flow Trend

Finkurve Financial Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 81.71
Price to Book 7.23
Price to Sales 14.05
PEG Ratio 9.53

Profitability Ratios

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

Financial Health

Current Ratio 2.39
Debt to Equity 116.81
Beta 0.05

Per Share Data

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

Peer Financial Comparison

Company Market Cap P/E Ratio P/B Ratio ROE Profit Margin Debt/Equity
finkurve 16.2B 81.71 7.23 8.43% 15.89% 116.81
Bajaj Finance 6.4T 36.49 6.57 20.08% 44.94% 294.16
Indian Railway 1.6T 24.32 2.98 12.68% 97.62% 748.58
Northern Arc Capital 45.6B 15.08 1.28 8.85% 26.85% 287.35
Dhani Services 38.4B 105.08 1.25 -1.91% 10.03% 17.62
Tourism Finance 34.5B 31.70 2.85 8.53% 69.03% 70.94

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