| Revenue growth | 88.32% YoY growth in total revenue from operations. |
|---|---|
| Margins | Gold loan yields stable at 20.0%; cost of borrowing improved to 11.1%. |
| Demand visibility | Strong; citing ₹93,150 Cr annual incremental lending opportunity in India. |
| Management confidence | High; emphasizing 'Gold For All' vision and technology-led operating platform. |
Growth
AUM reached ₹1,270 Cr, up 134.5% YoY; PAT grew 65.8% YoY to ₹8.4 Cr. Gold loan AUM rose 146% YoY.
Outlook
Focusing on Tier-2/3 market cluster expansion; aiming for capital-efficient scaling through co-lending partnerships like Godrej Finance.
Risks
Net NPAs increased to 0.48% (up 31 bps YoY); leverage increased significantly to 2.88x from 0.73x.
Last quarter's promises, checked
Delivered
- Guided 40-50% branch growth → delivered 43.8% (105 to 151) (= BEAT)
- Guided 40-50% AUM growth → delivered 134.5% (₹541.5 Cr to ₹1270 Cr) (= BEAT)
- Guided 11.2% Cost of Borrowing → delivered 11.1% (= BEAT)
Partly delivered
- Guided 20% co-lending AUM share → delivered 4% (₹51 Cr of ₹1270 Cr) (= PARTIAL)
Missed
- Guided Gross NPA 0.13% → delivered 0.72% (= MISS)
Investor Presentation filed with NSE, 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
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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