| Margins | Weighted cost of borrowing 11.3% vs 11.1% in Q1. |
|---|---|
| Demand visibility | Gold price tailwind; ~₹34,000 Cr annual gold-loan opportunity cited. |
Growth
AUM +95.4% YoY to ₹1,311.5 Cr; PAT +62.2% to ₹9.6 Cr; branches 122 (+32.6%).
Outlook
No explicit revenue/PAT guidance. Co-lending target up to 30% of AUM (currently 5.97%). Branch rollout 30–45 days.
Risks
NNPA 2.37% (+148 bps YoY), GNPA 2.63%; collections fell to 90.1% from 98.0%; LTV rose to 80.4%.
Last quarter's promises, checked
Delivered
- Guided AUM growth 50–60% → +95.4% YoY (= BEAT)
Partly delivered
- Guided co-lending 15–20% by FYE27 → 5.97%; target raised to 'up to 30%' (= PARTIAL)
- Guided 50–60% growth run-rate → Q2 QoQ ₹1,270→₹1,311.5 Cr, ~3% (= PARTIAL)
- Guided leverage 4–4.5x → 2.53x, from 2.88x (= PARTIAL)
Missed
- Guided lower cost of funds → 11.3% vs 11.1% Q1 (= MISS)
- Guided NPAs under control (NNPA 0.48%) → NNPA 2.37%, GNPA 2.63% (= MISS)
Investor Presentation filed with NSE, NSE: FINKURVE. Summary written with AI assistance from the document.
Finkurve Financial Services Ltd: key numbers
- Share price
- ₹64.74
- Market cap
- ₹906.7 Cr
- Revenue (annual)
- ₹207.2 Cr
- Net profit (annual)
- ₹26.03 Cr
- P/E (TTM)
- 30.9×Sector 19.5×
- 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 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
Finkurve Financial Services Debt & Borrowing: ₹0.43 Cr
Finkurve Financial Services paid Rs. 0.43 Crore combined monthly interest on two listed NCD series on October 30, 2026. This is routine debt servicing.
- Value
- ₹0.43 Cr
Finkurve Financial Services Board Meeting Date
Finkurve Financial Services will hold a board meeting on 5 November 2026 to consider unaudited results for the quarter and half year ended 30 September 2026. The trading window remains closed as previously intimated.
Finkurve Financial Services Other Announcement
Finkurve clarifies that its NCD interest payment notice (Ann Id 14641482) was wrongly filed as a Regulation 50(1) board meeting intimation. It asks the exchange to disregard that entry.