ALFA Finder| Management target | Revenue 60.0% FY27 |
|---|
| Revenue growth | 89% YoY revenue increase; AUM doubled on branch and price growth. |
|---|---|
| Margins | Expect NIM expansion via 50bps yield hike and co-lending scale-up. |
| Demand visibility | Strong; Tier-2 customers prioritize service and LTV over bank rates. |
| Management confidence | High; emphasizing 'risk-first' strategy and seasoned leadership depth. |
Growth
AUM grew 135% YoY; 50% from volume (tonnage) and 50% from price (gold rally).
Outlook
Guided 50-60% AUM growth for FY27; targeting 12-13 Cr AUM per branch.
Risks
Low ROA (2.9%), high cost of funds (11.5%), and sensitivity to gold price corrections.
Last quarter's promises, checked
Delivered
- Guided 40-50% branch growth → delivered 105 branches (~50% growth) (= BEAT)
- Guided transition to middle-layer NBFC → delivered compliant status (= BEAT)
- Guided crossing 1,000 Cr AUM → delivered 1,096 Cr AUM (= BEAT)
Partly delivered
- Guided 17-18% ROE and 3.5-4% ROA → delivered 7.8% ROE and 3.2% ROA (= PARTIAL)
- Guided 20% AUM via co-lending → delivered <2% AUM (= PARTIAL)
Earnings Call Transcript 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