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Earnings Call

Finkurve Financial Services Earnings Call: Key Takeaways

Finkurve Financial (Arvog) reported strong Q4 FY26 performance, crossing ₹1,000cr AUM and transitioning to a middle-layer NBFC. Strategy focuses on technology-enabled gold loans and co-lending partnerships.

Why this was an Alfa AlertNot a filter event. AUM and branch growth are in line with previously stated guidance of 40-50%.
Highlights
Revenue growth71% YoY for the quarter.
MarginsCost of funds at 11.2%; aiming to maintain or reduce.
Demand visibilityStrong momentum in South Indian gold loan market.
Management confidenceHigh, citing record low NPAs and healthy capital adequacy.

Growth

AUM grew 149% YoY to ₹1,096cr. Total quarterly income rose 71% to ₹69cr; PAT increased 105% YoY.

Outlook

Guided 40-50% YoY AUM and branch growth; targeting ₹5,000cr AUM by FY29 with 17-18% ROE benchmarks.

Risks

Global geopolitical uncertainty and market volatility mentioned; credit rating journey to 'A' range requires sustained performance.

Source

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

Read the document ↗

Finkurve Financial Services Ltd: key numbers

Share price
₹69.31
Market cap
₹970.7 Cr
Revenue (annual)
₹207.2 Cr
Net profit (annual)
₹26.03 Cr
P/E (TTM)
33.0×Sector 22.0×
Promoter holding
56.21%-0.03% QoQ
FII holding
7.30%Current quarter

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

More from Finkurve Financial Services Ltd

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16:57 IST BSE
Debt & Borrowing

Finkurve Financial Services Debt & Borrowing: ₹1.44 Cr

Finkurve Financial Services paid interest on its NCDs (ISIN: INE734I07123). The total interest amount paid was Rs. 1.44 Crore.

Value
₹1.44 Cr
15:48 IST NSE
Debt & Borrowing

Finkurve Financial Services Debt & Borrowing: ₹0.22 Cr

Finkurve paid Rs. 0.22 Crore monthly NCD interest (ISIN INE734I07099) before the due date. Payment made September 23, 2026, per Reg 57 terms.

Value
₹0.22 Cr
17:15 IST BSE
Debt & Borrowing

Finkurve Financial Services Debt & Borrowing

Finkurve Financial Services has fixed record dates in October 2026 for interest payments on its various outstanding Non-Convertible Debentures (NCDs).

15:22 IST BSE
Debt & Borrowing

Finkurve Financial Services Debt & Borrowing: ₹2.6 Cr

Finkurve confirmed quarterly interest of Rs.2.60 Crore paid on its Rs.100 Crore NCDs (ISIN INE734I07115). No redemption occurred for this period.

Value
₹2.60 Cr
15:36 IST BSE
Debt & Borrowing

Finkurve Financial Services Debt & Borrowing: ₹0.53 Cr

Finkurve Financial Services paid Rs. 0.53 Crore monthly interest on its Rs. 60 Crore NCDs. Payment was made on September 10, 2026, ahead of the due date.

Value
₹0.53 Cr
17:08 IST BSE
Debt & Borrowing

Finkurve Financial Services Debt & Borrowing: ₹1.63 Cr

Finkurve Financial Services has confirmed the timely payment of interest on its Non-Convertible Debentures. Two tranches received interest payments totaling Rs.1.63 Crore.

Value
₹1.63 Cr