ALFA Finder| Revenue growth | Total income up ~88% YoY per CFO; analyst cited ~20%. |
|---|---|
| Margins | Yields up to 20.8% from 20%; NIM expansion promised, unquantified. |
| Demand visibility | Gold price correction deferring loan demand; no quantified outlook. |
| Management confidence | Over-optimistic; deflects on share price, NPAs and LTV data. |
Growth
CFO cited total income up ~88% YoY and operating profit up 62%; analyst cited ~20% revenue growth. Growth is yield-driven, not volume-driven.
Outlook
Guides 50-60% AUM growth for FY27 and ~150 branches by December 2026. NCDs capped at 40-45% of borrowings.
Risks
Collection efficiency ~90%, NPAs up, ticket sizes falling, LTV rising. Evasive on auctions and share price.
Last quarter's promises, checked
Delivered
- Guided yields ~20–20.5% (+50bps) → delivered 20.8% (= BEAT)
Partly delivered
- Guided co-lending 15–20% of book by FY27-end (from ~3%) → delivered ~5.8% so far (= PARTIAL)
Missed
- Guided 50–60% FY27 AUM growth (Q1 pace 15.9% QoQ) → delivered ~3% QoQ in Q2 (= MISS)
Earnings Call Transcript filed with NSE, NSE: FINKURVE. Summary written with AI assistance from the document.
Finkurve Financial Services Ltd: key numbers
- Share price
- ₹69.50
- Market cap
- ₹973.4 Cr
- Revenue (annual)
- ₹207.2 Cr
- Net profit (annual)
- ₹26.03 Cr
- P/E (TTM)
- 29.4×Sector 20.5×
- 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 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 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
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