Finkurve Financial Services Ltd

Finkurve Fin. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Finkurve Financial Services Ltd

₹ 88.6 -3.02%
22 Nov - close price
finkurve.com BSE: 508954
About

Incorporated in 1984, Finkurve Financials Services Ltd operates in Financing and
other activities[1]

Key Points

Business Overview:[1]
FFSL, erstwhile Sanjay Leasing Limited, is a non-systematically important, non-deposit-taking, Base Layer Non-Banking Financial Company(NBFC). It offers Gold
Loans, Pay Day loans, and loans under co-lending model. For the retail loans segment, the company works in collaboration with Fintech companies.

Website BSE
  • Market Cap ₹ 1,123 Cr.
  • Current Price ₹ 88.6
  • High / Low ₹ 136 / 46.6
  • Stock P/E 63.6
  • Book Value ₹ 15.5
  • Dividend Yield 0.00 %
  • ROCE 11.2 %
  • ROE 8.90 %
  • Face Value ₹ 1.00
Edit ratios

Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 82.7% CAGR over last 5 years
  • Company's median sales growth is 21.7% of last 10 years

Cons

  • Stock is trading at 5.71 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has a low return on equity of 7.15% over last 3 years.
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
6.22 5.63 6.17 8.30 10.78 14.06 17.29 19.99 23.06 23.64 23.35 28.43 31.90
2.19 4.35 4.74 3.56 3.08 6.84 12.16 15.75 16.30 15.31 15.04 20.04 23.41
Operating Profit 4.03 1.28 1.43 4.74 7.70 7.22 5.13 4.24 6.76 8.33 8.31 8.39 8.49
OPM % 64.79% 22.74% 23.18% 57.11% 71.43% 51.35% 29.67% 21.21% 29.31% 35.24% 35.59% 29.51% 26.61%
0.00 0.00 20.96 0.00 0.13 0.00 0.06 0.04 0.04 0.07 0.08 0.08 0.23
Interest 1.73 0.56 0.51 0.78 1.22 1.46 1.49 1.57 1.17 1.65 1.78 2.49 3.90
Depreciation 0.08 0.08 0.08 0.07 0.07 0.13 0.16 0.12 0.12 0.12 0.12 0.08 0.16
Profit before tax 2.22 0.64 21.80 3.89 6.54 5.63 3.54 2.59 5.51 6.63 6.49 5.90 4.66
Tax % 25.68% 26.56% 18.76% 25.71% 26.45% 22.38% 36.16% 26.25% 20.87% 25.79% 24.65% 25.59% 25.54%
1.64 0.47 17.71 2.89 4.80 4.37 2.26 1.90 4.36 4.91 4.89 4.39 3.47
EPS in Rs 0.13 0.04 1.40 0.23 0.38 0.34 0.18 0.15 0.34 0.39 0.39 0.35 0.27
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
0 0 2 9 10 12 15 16 20 44 50 90 107
0 0 0 0 0 2 2 3 7 13 26 62 74
Operating Profit -0 -0 2 9 10 11 13 13 13 31 25 28 34
OPM % -483% -3% 89% 97% 95% 87% 85% 82% 64% 70% 49% 31% 31%
0 0 0 0 0 0 0 0 0 0 0 0 0
Interest 0 0 2 8 9 8 12 8 7 3 5 6 10
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax -0 -0 0 1 1 3 1 5 6 27 20 21 24
Tax % -31% -27% 18% 30% 32% 32% 33% 25% 26% 20% 27% 24%
-0 -0 0 1 1 2 1 4 5 22 14 16 18
EPS in Rs -0.02 -0.03 0.01 0.05 0.06 0.19 0.08 0.32 0.36 1.70 1.13 1.27 1.40
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 77%
5 Years: 43%
3 Years: 64%
TTM: 44%
Compounded Profit Growth
10 Years: 51%
5 Years: 83%
3 Years: 53%
TTM: 37%
Stock Price CAGR
10 Years: 20%
5 Years: 17%
3 Years: 30%
1 Year: 19%
Return on Equity
10 Years: 6%
5 Years: 6%
3 Years: 7%
Last Year: 9%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 1 10 10 10 10 10 10 13 13 13 13 13 13
Reserves 9 1 1 1 2 4 4 119 123 145 160 176 184
0 4 30 72 75 110 93 73 76 24 52 75 162
0 0 0 1 7 3 0 1 3 4 10 20 29
Total Liabilities 11 14 41 83 93 127 107 206 215 186 235 284 388
0 0 0 0 0 0 0 0 0 1 1 1 9
CWIP 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 10 10 10 10 10 10 10 11 13 5 4 3 4
0 4 31 73 83 117 97 195 202 180 229 279 375
Total Assets 11 14 41 83 93 127 107 206 215 186 235 284 388

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
10 -4 -24 -33 8 -30 30 -84 6 29 -20 -7
-10 0 -0 -0 -0 -0 -0 -1 -1 28 -1 -6
-0 3 25 33 -6 28 -29 85 -4 -56 23 18
Net Cash Flow -1 0 1 0 2 -3 1 -0 1 1 2 4

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Debtor Days 0 0 0 1 0 0 0 11 0 0 0 0
Inventory Days
Days Payable
Cash Conversion Cycle 0 0 0 1 0 0 0 11 0 0 0 0
Working Capital Days -304 4,270 5,412 2,757 2,585 3,379 20 -4 -25 -22 -50 -29
ROCE % -3% -0% 6% 15% 12% 10% 11% 9% 6% 5% 12% 11%

Shareholding Pattern

Numbers in percentages

Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
52.86% 52.86% 52.86% 52.86% 52.86% 54.60% 54.60% 54.60% 54.60% 58.99% 58.99% 58.99%
5.84% 5.84% 5.84% 5.84% 5.84% 5.84% 5.84% 5.84% 5.84% 5.84% 5.84% 5.84%
41.29% 41.29% 41.29% 41.29% 41.28% 39.56% 39.56% 39.56% 39.55% 35.17% 35.17% 35.16%
No. of Shareholders 1,2231,3001,2481,2611,2801,3711,3191,3991,8812,2992,1021,883

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

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