ALFA Finder| Revenue growth | FY26 total income up 48.75% YoY to ₹209.86 Cr. |
|---|---|
| Margins | Cost of borrowing reduced to 11.2% in FY26 from 11.5%. |
| Demand visibility | Strong gold loan demand in underbanked Tier 2/3 markets. |
| Management confidence | High; highlighted nearly 10x AUM growth compared to FY23. |
Growth
FY26 PAT grew 49% YoY to ₹26.03 Cr; AUM up 149% YoY to ₹1,096 Cr.
Outlook
Targeting high-quality AUM growth via co-lending partnerships (Godrej, RBL) and 30-45 day rapid branch rollouts.
Risks
Transition to Middle Layer NBFC increased provisioning; credit risk in unsecured personal loan segment (3.8% AUM).
Earnings Call filed with BSE, NSE: FINKURVE. Summary written with AI assistance from the document.
Finkurve Financial Services Ltd: key numbers
- Share price
- ₹69.83
- Market cap
- ₹978.0 Cr
- Revenue (annual)
- ₹207.2 Cr
- Net profit (annual)
- ₹26.03 Cr
- P/E (TTM)
- 29.6×Sector 20.8×
- Promoter holding
- 56.21%+0.00% QoQ
- FII holding
- 7.80%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Finkurve Financial Services Ltd
All →Finkurve Financial Services Debt & Borrowing: ₹0.53 Cr
Finkurve Financial Services certified that monthly interest of Rs. 52,60,033 on NCDs (ISIN INE734I07073) was paid on 11 November 2026, ahead of the 12 November due date. This is a routine debt servicing disclosure under Regulation 57.
- Value
- ₹0.53 Cr
Finkurve Financial Services Earnings Call Transcript: Key Takeaways
Management claims record profitability and AUM up ~95% YoY, but analyst-cited QoQ AUM growth was ~3%. Collection efficiency fell from ~98% to ~90%, with NPAs rising.
Finkurve Financial Services Investor Presentation: Key Takeaways
Q2FY27 AUM ₹1,311.5 Cr (+95.4% YoY), PAT ₹9.6 Cr (+62.2% YoY), gold loans 95.6% of AUM. Asset quality deteriorated sharply, with NNPA at 2.37%.
Finkurve Financial Services Results Update
Finkurve Financial Services reports Q2 FY27 total income of Rs.90 Crore, up 87.8% YoY, and PAT of Rs.10 Crore. AUM rose 95.4% YoY to Rs.1,312 Crore.
Finkurve Financial Services Other Announcement
Finkurve Financial Services filed its Regulation 52(7) statement on use of Rs. 26 crore from its NCD issue, quarter ended September 2026. The statement reports no deviation or variation in use of proceeds.
Finkurve Financial Services Q2 FY27 Results: Net Profit ₹9.6 Cr, Up 62.7% YoY
Finkurve Financial Services Ltd reported revenue from operations of ₹89.9 Cr (+87.3% YoY) and net profit of ₹9.6 Cr (+62.7% YoY) for Q2 FY27.
- Key figure
- Net profit ₹9.6 Cr · +62.7% YoY