| 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
- ₹69.31
- 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
All →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
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
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).
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
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
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