FINKURVE · NSE

Finkurve Financial Services Limited

₹71.05

-2.80% (-₹2.05)

Prev. close

₹73.1

Volume

17,519

Delivery %

57.6%

As of

21 Sept 2026

Price history

₹71.05+₹7.34 (+11.52%) · 3M
11 Jun 202621 Sept 2026
₹79.84₹58.911 Jun06 Jul04 Aug27 Aug21 Sept
Daily closes · updates after each session

No analyst calls on this stock in the last 90 days yet.

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Analyst opinions

No analyst calls on Finkurve Financial Services Limited in the last 90 days.

Fundamentals

About Finkurve Financial Services Limited

Finkurve Financial Services Limited, a non-banking financial company, provides loans and financial services in India. It offers personal loans; loans against gold jewelry; and other secured and unsecured lending, as well as inter-corporate loans. The company was formerly known as Sanjay Leasing Limited and changed its name to Finkurve Financial Services Limited in March 2012. Finkurve Financial Services Limited was incorporated in 1984 and is based in Mumbai, India.

Details

Sector

Financial Services

Industry

Credit Services

CEO

Mr. Priyank Rakesh Kothari

Headquarters

Mumbai

Employees

339

Website

arvog.com

Key stats

Market cap

₹995.72 Cr

P/E ratio (TTM)

34.3

EPS (TTM)

₹2.07

Beta (1Y · daily vs NIFTY 50)

0.62

Shares float

3.34 Cr

EPS · quarter ended Jun 2026

₹0.59

Financial Performance

01 · Financials

0 Cr100 Cr200 Cr300 Cr0%20%40%60%80%FY21FY22FY23FY24FY25FY26
RevenueRevenue growth YoY

FY21 growth needs FY20 filings, which the data source doesn't provide. Net income and EBITDA are omitted from this chart: coverage begins inside the plotted window, and every plotted period must carry a complete point set — the P&L table below has the available figures.

02 · Earnings Per Share (EPS)

01122FY22FY26

04 · Operating Efficiency (Growth Rates)

Balance-sheet-based

-1000%0%1000%2000%FY21FY22FY23FY24FY25FY26
SalesFixed assetsTrade receivables

05 · Capital Structure & Asset Utilization

0 Cr500 Cr1000 Cr1500 CrFY21FY22FY23FY24FY25FY26
Total assetsTotal debtDebt / equityAsset turnover

Asset turnover needs a prior year of assets — omitted for the earliest available year.

06 · Asset Base Composition

0 Cr500 Cr1000 Cr1500 CrFY21FY22FY23FY24FY25FY26
Fixed assetsCurrent assetsOther assets

07 · Debt Level & Coverage

-1000 Cr-500 Cr0 Cr500 Cr1000 CrFY21FY22FY23FY24FY25FY26
DebtFree cash flowCash & equivalents

08 · Profit & Loss

Annual

Line itemFY21FY22FY23FY24FY25FY26
₹50.35 Cr₹89.33 Cr₹138.75 Cr₹207.22 Cr
EBITDA₹20.71 Cr₹22.46 Cr₹40.32 Cr₹55.69 Cr
₹14.32 Cr₹16.07 Cr₹17.41 Cr₹26.03 Cr
Diluted EPS₹1.7₹1.86

Revenue, Total expenses (as filed), Employee benefit expense, Depreciation & amortisation, Other expenses, EBITDA, Net income, Pretax income, Tax provision, Interest expense, Other income, Diluted EPS have filed figures for only some of the years shown — the missing years are left blank rather than estimated.

09 · Balance Sheet

Annual

Line itemFY21FY22FY23FY24FY25FY26
₹224.75 Cr₹186.15 Cr₹234.61 Cr₹283.65 Cr₹476.94 Cr₹1,233.04 Cr
Total debt₹51.63 Cr₹75.39 Cr₹241.08 Cr₹847.15 Cr
Stockholders' equity₹137.82 Cr₹158.05 Cr₹172.50 Cr₹188.70 Cr₹206.39 Cr₹344.90 Cr

Trade receivables, Investments, Total debt have filed figures for only some of the years shown — the missing years are left blank rather than estimated. Inventory shows ₹0 for 2026-03-31 — this deck's own annual-report reading has no Inventory figure for this filer in any year shown (2026-03-31, 2021-03-31, 2022-03-31, 2023-03-31, 2024-03-31, 2025-03-31 alike); the ₹0 shown here comes from this filer's own reported data feed rather than this deck's own extraction, and is positively consistent with a filer that holds no physical inventory (typical for lenders and other financial-services companies) rather than a display default. 2021-03-31, 2022-03-31, 2023-03-31, 2024-03-31, 2025-03-31 have no Inventory figure reaching this deck at all — not shown as zero, not shown as positive — left blank rather than assumed to match the other years.

Annual only — the data source doesn’t publish quarterly balance-sheet detail for most NSE-listed companies.

10 · Cash Flow Statement

Annual

Line itemFY21FY22FY23FY24FY25FY26
₹-20.29 Cr₹-7.06 Cr₹-133.82 Cr₹-566.14 Cr
Investing cash flow₹-90.27 L₹-6.34 Cr₹-4.58 Cr₹-6.51 Cr
₹23.02 Cr₹17.59 Cr₹145.20 Cr₹659.31 Cr
Capital expenditure₹-85.13 L₹-6.80 Cr₹-4.48 Cr₹-6.24 Cr
End cash position₹4.46 Cr₹8.66 Cr₹15.45 Cr₹102.12 Cr

Operating cash flow, Depreciation & amortization, Change in working capital, Investing cash flow, Financing cash flow, Dividends paid, Capital expenditure, End cash position have filed figures for only some of the years shown — the missing years are left blank rather than estimated.

Annual only — the data source has no quarterly cash-flow-statement coverage.

11 · Shareholding Pattern

NSE, quarterly

Line itemSep 25Dec 25Mar 26(2Q)Jun 26
Promoter56.26%56.24%56.21%
Public43.74%43.76%43.79%
Employee trusts0.00%0.00%0.00%

Source: NSE quarterly shareholding-pattern filings, collapsed to periods where the reported percentages held steady — a column spanning several quarters means no change was filed across them. No FII/DII sub-split available from this source — Public includes all non-promoter, non-employee-trust holders.

12 · Peer Comparison

Financial Services

Company
HDFC Bank Limited₹11.42 L Cr₹739.516.21.408.6%0.81+4.7%-23.5%
ICICI Bank Limited₹9.61 L Cr₹1,34517.32.6514.9%0.57+9.1%-4.1%
State Bank of India₹9.19 L Cr₹99610.61.5414.0%1.22+9.2%+15.5%
Bajaj Finance Limited₹6.47 L Cr₹1,021.332.05.6816.7%3.10+19.7%+2.9%
Life Insurance Corporation Of India₹5.16 L Cr₹4008.62.9232.5%+8.7%-55.2%
Kotak Mahindra Bank Limited₹4.10 L Cr₹414.820.22.2610.6%0.53-0.3%-79.6%
Axis Bank Limited₹3.91 L Cr₹1,25014.11.8212.3%1.30+4.0%+10.0%
Bajaj Finserv Limited₹2.96 L Cr₹1,849.829.33.8012.6%4.64+13.6%-10.5%
Shriram Finance Limited₹2.38 L Cr₹1,011.817.83.6115.2%2.76+13.9%+59.8%
SBI Life Insurance Company Limited₹1.74 L Cr₹1,75666.79.1012.9%-4.3%-4.7%
ICICI Prudential Asset Management Company Limited₹1.62 L Cr₹3,207.846.638.8079.1%+23.1%
Finkurve Financial Services Limited₹1,024.45 Cr₹71.0535.32.977.5%2.46+48.0%

Ranked by market cap within Financial Services, same metrics as the Fundamentals screener. Click a column to sort.

Documents

Annual reports

Show all 27

Official documents linked from their sources — offer documents as filed with SEBI (sebi.gov.in), annual reports and earnings-call transcripts as published on BSE (bseindia.com) and NSE (nseindia.com). Links open the source's own hosting; nothing is re-hosted here.

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