ALFA Finder| 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
- ₹69.83
- 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