Finkurve Financial Services Limited
Finkurve Financial Services Limited (FINKURVE) financial statements and selected valuation metrics from NSE/BSE exchange filings through 30 June 2026.
Financial Services›Financial Services›Finance›Non Banking Financial Company (NBFC)
Key metrics
Price as of 2026-09-03
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Share price
NSE closing price from historical market data.
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Statement tables · Consolidated
Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.
Amounts in ₹ Cr · NSE preferred when both exchanges report the same period · tap + to expand rows
Quarterly results
Quarterly · ₹ Cr · tap + rows to expand
| Metric | Dec 2019 | Mar 2020 | Sept 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Dec 2023 | Sept 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 2 Cr | 5 Cr | 4 Cr | 2 Cr | 4 Cr | 4 Cr | 4 Cr | 5 Cr | 6 Cr | 13 Cr | 26 Cr | 29 Cr |
| Other income | 0.20 Cr | 0.18 Cr | 0.19 Cr | 0.49 Cr | -0.09 Cr | 0.20 Cr | 0.02 Cr | 0.15 Cr | 0.24 Cr | 0.07 Cr | 0.09 Cr | 0.51 Cr |
| Net operating income | 2 Cr | 5 Cr | 4 Cr | 2 Cr | 4 Cr | 4 Cr | 4 Cr | 5 Cr | 6 Cr | 13 Cr | 26 Cr | 29 Cr |
| Employee cost | 1 Cr | 1 Cr | 0.63 Cr | 0.70 Cr | 1 Cr | 1 Cr | 2 Cr | 2 Cr | 0.97 Cr | 0.76 Cr | 4 Cr | 4 Cr |
| Other expenses | 0.58 Cr | 2 Cr | 2 Cr | 4 Cr | 4 Cr | 4 Cr | 4 Cr | 8 Cr | 5 Cr | 1 Cr | 5 Cr | 4 Cr |
| Provisions & contingencies | — | — | — | — | — | — | — | — | — | — | — | — |
| Depreciation | 0.11 Cr | 0.25 Cr | 0.17 Cr | 0.17 Cr | 0.34 Cr | 0.18 Cr | 0.22 Cr | 0.22 Cr | 0.13 Cr | 0.12 Cr | 0.75 Cr | 0.59 Cr |
| Profit before tax | 2 Cr | 3 Cr | 3 Cr | -0.51 Cr | 1 Cr | 3 Cr | 2 Cr | -0.52 Cr | 21 Cr | 7 Cr | 7 Cr | 10 Cr |
| Tax % | 0.0% | 49.6% | 24.1% | 16.3% | 35.3% | 26.4% | 27.1% | -32.1% | 18.0% | 25.9% | 19.9% | 29.8% |
| Net profit | 2 Cr | 1 Cr | 2 Cr | -0.43 Cr | 0.94 Cr | 2 Cr | 2 Cr | -0.68 Cr | 17 Cr | 5 Cr | 6 Cr | 7 Cr |
| EPS (₹) | ₹0.15 | ₹0.11 | ₹0.20 | ₹-0.04 | ₹0.07 | ₹0.15 | ₹0.12 | ₹-0.05 | ₹1.34 | ₹0.39 | ₹0.42 | ₹0.50 |
Profit & loss (annual)
Annual · last column is TTM · ₹ Cr · tap + to expand
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | TTM |
|---|---|---|---|---|---|
| Net Interest Income | — | 9 Cr | 13 Cr | 19 Cr | Sign in for TTM |
| Other income | 0.69 Cr | 0.26 Cr | 0.62 Cr | 0.62 Cr | Sign in for TTM |
| Net operating income | 0.69 Cr | 9 Cr | 13 Cr | 20 Cr | Sign in for TTM |
| Employee cost | 2 Cr | 5 Cr | 3 Cr | 6 Cr | Sign in for TTM |
| Other expenses | 3 Cr | 6 Cr | 11 Cr | 22 Cr | Sign in for TTM |
| Provisions & contingencies | — | — | — | — | Sign in for TTM |
| Depreciation | 0.15 Cr | 0.52 Cr | 0.86 Cr | 0.74 Cr | Sign in for TTM |
| Profit before tax | 1 Cr | 5 Cr | 6 Cr | 25 Cr | Sign in for TTM |
| Tax % | 32.7% | 23.6% | 28.2% | 20.7% | Sign in for TTM |
| Net profit | 0.86 Cr | 4 Cr | 5 Cr | 20 Cr | Sign in for TTM |
| EPS (₹) | ₹0.09 | ₹0.36 | ₹0.36 | ₹1.55 | Sign in for TTM |
| Dividend payout % | — | — | — | 0.0% | Sign in for TTM |
Trailing twelve months totals and margin rows
Balance sheet
Annual · ₹ Cr · tap + rows to expand
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 |
|---|---|---|---|---|
| Equity capital | 10 Cr | 13 Cr | 13 Cr | 13 Cr |
| Reserves | 7 Cr | 121 Cr | 125 Cr | 145 Cr |
| Borrowings | — | 73 Cr | 76 Cr | 24 Cr |
| Other liabilities | 98 Cr | 6 Cr | 8 Cr | 4 Cr |
| Total liabilities | 115 Cr | 215 Cr | 224 Cr | 186 Cr |
| Fixed assets (net) | 0.55 Cr | 0.76 Cr | 0.60 Cr | 0.38 Cr |
| CWIP | — | — | 0 Cr | 0 Cr |
| Investments | 1 Cr | 2 Cr | 4 Cr | 5 Cr |
| Loans & advances | — | 193 Cr | 200 Cr | 173 Cr |
| Inventories | 4 Cr | 0 Cr | 0 Cr | 0 Cr |
| Trade receivables | 0.88 Cr | 2 Cr | 0.78 Cr | 0 Cr |
| Cash & bank | 5 Cr | 11 Cr | 10 Cr | 3 Cr |
| Other assets | 103 Cr | 5 Cr | 9 Cr | 5 Cr |
| Total assets | 115 Cr | 215 Cr | 224 Cr | 186 Cr |
Cash flows
Annual · ₹ Cr · tap + rows to expand · last column includes FCF
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 |
|---|---|---|---|---|
| Cash from operating activity | — | — | — | 28 Cr |
| Cash from investing | — | — | — | 20 Cr |
| Cash from financing | — | — | — | -56 Cr |
| Net cash flow | — | — | — | -8 Cr |
| Free cash flow (OCF − Capex) | — | — | — | 27 Cr |
Ratios
Ratios as reported or derived per annual period.
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 |
|---|---|---|---|---|
| ROCE % | 79.0% | 6.5% | 6.2% | 15.5% |
| ROE % | 5.3% | 3.0% | 3.3% | 12.5% |
| Debtor days | 1 | 34 | 10 | 0 |
| Inventory days | 3 | 0 | 0 | 0 |
| Days payable | — | — | — | — |
| Cash conversion cycle | 4 | 34 | 10 | 0 |
| Debt / equity | 0.10 | 0.55 | 0.55 | 0.15 |
| Current ratio | 1.23 | — | — | — |
| Net debt / EBITDA | -0.38 | 4.55 | 4.84 | 0.76 |
Regulatory ratios (standalone basis)
RBI/Basel III ratios — NPA, CET1, CRAR, NIM, ROA — for the licensed banking entity. Always sourced from the standalone filing, even on the consolidated view, since these have no consolidated-group definition.
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 |
|---|---|---|---|---|
| Gross NPA | — | — | — | — |
| Gross NPA % | — | — | — | — |
| Net NPA | — | — | — | — |
| Net NPA % | — | — | — | — |
| CET1 % | — | — | — | — |
| Additional Tier 1 % | — | — | — | — |
| Capital adequacy % | — | — | — | — |
| NIM % | — | — | — | — |
| ROA % | — | — | — | — |
Compare with peers
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