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Earnings Call

Finbud Financial Services Earnings Call: Key Takeaways

Finbud Financial Services reported FY26 revenue of ₹317.9cr (up 42%) and PAT of ₹11.6cr (up 39%). Management is pivoting towards a digital-first model via its new 'ZAP' subsidiary and 'EQUALL' NBFC.

Why this was an Alfa AlertManagement explicitly guided for FY30 revenue of ₹1000cr+ (representing >50% CAGR potential) and projected FY27 digital revenue to grow >75% YoY.
Highlights
Revenue growth42% YoY in FY26; FY27 target ₹425cr (34% growth).
MarginsDigital EBITDA margin (14%) is 3x agent margin; target 25% (FY30).
Demand visibility100+ lenders; 5cr customer data lake; ₹40,000cr platform demand.
Management confidenceHigh confidence in 'data flywheel' and multi-product digital scaling.

Growth

Revenue grew 42% YoY; PAT grew 39%. Agent business remains primary contributor (86% of disbursals) but digital grew significantly.

Outlook

FY27 revenue target ₹425cr. Long-term FY30 targets include ₹1,000cr+ revenue and ₹2,500cr NBFC AUM with 25% digital EBITDA margins.

Risks

High inherent risk in low-income segments (avoided); dependence on debt lines for NBFC scaling; regulatory compliance (DPDP Act).

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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