FINKURVE · Finkurve Financial Services Ltd · Consumer Financial Services
FINKURVE · Finkurve Financial Services Ltd · Consumer Financial Services
As of 05 Nov close
52-week range
45.9% below 52-week high
52-week range: as of 05 Nov 2026 close.
Price chartDaily closes on the stock page.
Weighted combination of 8 measured readings. Not a probability, a rating or a forecast.
Full signal detail →Fundamentals as of 15 Sep 2026 · the company's own latest record is 52 days old
Revenue (latest Q)
₹75 Cr
Revenue YoY
PAT YoY
+65.8%
Operating margin
Revenue, last 8 quarters
P/E (TTM)
P/B
3
P/S (TTM)
3.7
Sector P/E
24.3
Dividend yield
0.0%
| Company | P/E | P/B | Net margin | ROE | D/E | Div. yield |
|---|---|---|---|---|---|---|
| FINKURVE (this stock) | 31.2 | 3 | +10.7% | +8.5% | 2.46 | 0.0% |
| Bajaj Finance | 30.8 | 5.7 | +23.8% | +17.8% | 3.22 | +0.5% |
| Shriram Finance | 18.4 | 3.6 | +22.8% | +17.2% | 3.8 | +1.1% |
| Jio Financial Services | 95.5 | 1.2 | +49.8% | Not available from data source | 11.81 | +0.2% |
Promoter
stable
FII
rising 2q
MF
Not available from data source
Insider trades
No insider trades in the last 12 months.
Bulk/block deals
No bulk/block deals in the last 12 months.
News timeline
No related news.
Concalls & investor presentations
AI-generatedKey takeaway: Finkurve Financial Services Limited held its Q1 FY27 Earnings Conference Call on August 13, 2026, where management discussed the company's financial performance and strategic initiatives. Management emphasized the importance of disciplined growth and governance, particularly in light of recent regulatory changes in the gold loan industry. They reported a 135% year-over-year increase in assets under management (AUM) and a 42% increase in branch network. Financial highlights included an 89% rise in revenues and a 65% increase in profit after tax (PAT). Management noted stable non-performing assets (NPAs) and a healthy capital adequacy ratio of 26.6%. They also highlighted ongoing efforts to strengthen compliance and risk management frameworks. The management team expressed confidence in their long-term growth strategy, focusing on operational excellence and customer-centric initiatives, while acknowledging the competitive landscape and regulatory environment.
Management highlighted strong financial performance and strategic progress.
Sourced from an exchange-filed transcript, dated 19 Aug 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: The investor presentation from Finkurve Financial Services Limited, dated August 13, 2026, outlines the company's recent developments and performance metrics. Management reported a significant increase in Assets Under Management (AUM) to INR 1,271 crore in Q1 FY27, reflecting a year-on-year growth of 134.5%. The presentation highlighted the company's strategic shift towards retail gold loans, which now constitute 96% of the loan book. Key performance indicators included a profit after tax of INR 8.4 crore, a 65.8% increase from the previous year, and a net non-performing asset (NNPA) ratio of 0.48%. The document also emphasized Finkurve's commitment to technology-driven lending solutions and its integration within India's gold ecosystem, aiming to enhance customer access and operational efficiency. Additionally, the company outlined its vision to become a trusted technology-led gold lending institution.
Management emphasized strong growth and strategic advancements in the gold lending sector.
Sourced from an exchange-filed presentation, dated 13 Aug 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: The earnings call for Finkurve Financial Services Limited, held on May 21, 2026, discussed the company's financial performance for the quarter and fiscal year ending March 31, 2026. Management reported a significant milestone of crossing INR 1,000 crores in assets under management (AUM), with a year-on-year growth of 149%. The company also highlighted a credit rating upgrade from CARE Ratings and Infomerics, indicating improved external confidence. Key initiatives included a co-lending partnership with Godrej and the launch of the Arvog Wellness program. The CFO presented strong financial metrics, including a 71% increase in quarterly income and a 105% rise in profit after tax (PAT). The management emphasized a focus on disciplined growth, asset quality, and operational excellence, while also addressing questions on branch expansion, technology use, and cost of funds. Overall, the call reflected a positive performance and strategic direction for the company.
Management highlighted strong financial growth and strategic initiatives.
Sourced from an exchange-filed transcript, dated 27 May 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: On May 21, 2026, Finkurve Financial Services Limited submitted a revised investor presentation for an Analysts/Investors Meet, correcting typographical errors from a previous version. The presentation highlighted significant growth metrics, including a 149% year-over-year increase in Assets Under Management (AUM) to INR 1,096.1 crore and a 66% increase in active gold loan customers. The company reported a profit after tax of INR 8.04 crore for Q4 FY26, reflecting a 105% increase from the previous year. The presentation emphasized a strategic shift towards retail gold loans, which now constitute 95% of the loan book, and outlined a partnership with Godrej Finance for co-lending gold loans. Additionally, Finkurve's commitment to corporate social responsibility was noted, with initiatives supporting education for underprivileged children. The document also provided insights into the company's governance and leadership structure.
Management emphasized significant growth and strategic advancements in the presentation.
Sourced from an exchange-filed presentation, dated 21 May 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: Finkurve Financial Services Limited provided an investor presentation detailing its recent performance and strategic initiatives. The company reported a significant increase in Assets Under Management (AUM), reaching INR 1,096 crore in Q4 FY26, a 149% year-over-year growth. Retail gold loans now constitute 95% of the loan book, reflecting a strategic shift from corporate lending. The presentation highlighted a partnership with Godrej Finance for co-lending gold loans, enhancing capital efficiency. Financial results showed a profit after tax of INR 8.04 crore for Q4 FY26, a 15% increase from the previous year. The company emphasized its technology-led operations and strong governance framework, aiming to scale its fintech lending solutions. Additionally, Finkurve's CSR initiatives included distributing educational resources to underprivileged children. The document also outlined the company's historical milestones and its commitment to responsible sourcing in the gold industry.
The presentation highlighted significant growth and strategic advancements.
Sourced from an exchange-filed presentation, dated 20 May 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: Finkurve Financial Services Limited held its first earnings conference call on February 9, 2026, to discuss its financial performance for the quarter ended December 31, 2025. Management highlighted the company's growth trajectory, reporting a 118% increase in assets under management (AUM) to Rs. 833 crores and a 31% year-on-year growth in income. The company maintained its non-performing assets (NPAs) below 2%, while the return on equity (ROE) was between 8% to 9%. Management emphasized a conservative growth strategy focused on risk-adjusted returns and technology integration to enhance operational efficiency. They noted a shift in borrower behavior towards gold loans and expressed confidence in sustainable growth despite not providing specific numerical guidance. The call concluded with management reiterating their commitment to transparency and regular communication with investors.
Management emphasized strong growth and a commitment to prudent lending practices.
Sourced from an exchange-filed transcript, dated 13 Feb 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: The investor presentation from Finkurve Financial Services Limited, dated February 7, 2026, outlines the company's upcoming Analyst/Institutional Investor Meet scheduled for February 9, 2026. The document highlights the company's significant growth in assets under management, which increased by 119% year-over-year to INR 833.15 crore in Q3 FY26. It also reports a 66% rise in the number of active customers, reaching 25,415. The presentation details the company's strategic focus on retail gold loans, which now dominate its loan book, and emphasizes its technology-led operating platform designed for efficient loan origination and management. Additionally, the document provides insights into the company's financial performance, including a 31.19% increase in total income year-over-year. The presentation concludes with information on the company's governance and leadership team, showcasing their extensive experience in the gold and finance sectors.
The presentation emphasized significant growth metrics and strategic advancements.
Sourced from an exchange-filed presentation, dated 07 Feb 2026. Summary is RedixFi-generated and distinct from investment advice.
Governance disclosures
AI-generatedNeeds attention
No item of a kind that needs attention was stored for this company.
Promoter Share Pledge
1 occurrenceRecent (last 12 months)
0.29% of promoter holding pledged (quarter 2026-Q3 as of 2026-07-18). Change vs the previous disclosure: decreasing.