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Earnings Call

Finbud Financial Services Earnings Call: Key Takeaways

Finbud is an integrated retail-credit franchise scaling through its distribution, data, digital (Zap), and lending (Equall) layers. FY26 marked a landmark year with IPO and crossing ₹10,000+ cr in total disbursals.

Why this was an Alfa AlertManagement explicitly guides for >50% YoY growth with a Revenue CAGR target of 60% and EBITDA CAGR of 89% through FY30.
Highlights
Revenue growth42% YoY growth in FY26; targeting 60% CAGR through FY30.
MarginsEBITDA margin at 6.3%; target 10%+ by FY30 via digital mix-shift.
Order bookTotal disbursals crossed ₹10,250+ cr in FY26.
Demand visibilityStrong; India PL market at ₹11.44 L cr; 100+ lenders live.
Management confidenceHigh; citing 'compounding at every layer' and 'massive flywheel' effect.

Growth

FY26 Total Revenue grew 42% YoY to ₹317.9 cr; PAT surged 39% to ₹11.6 cr. EBITDA rose 35% to ₹19.9 cr.

Outlook

Management guides FY30 revenue ambition of ₹1,000+ cr (60% CAGR) and EBITDA CAGR of 89% as digital mix increases.

Risks

Transitioning from aggregator to lender involves credit risk management and regulatory compliance for the new NBFC wing.

Source

Earnings Call filed with NSE, NSE: FINBUD. Summary written with AI assistance from the document.

Read the document ↗

Finbud Financial Services Ltd: key numbers

Share price
₹125.90
Market cap
₹239.8 Cr
Revenue (annual)
₹316.1 Cr
Net profit (annual)
₹11.65 Cr
P/E (TTM)
20.6×Sector 20.8×
Promoter holding
48.25%
FII holding
0.75%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

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