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Investor Presentation
Q4 FY26
Finbud Financial Services Ltd (FINBUD) is currently trading at 117.00 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
Finbud Financial Services Limited operates a hybrid retail loan aggregation platform (agent plus digital), matching borrowers to over 100 lender partners and earning commission on successful disbursals; the group has rebranded its digital arm as ZAP and created an NBFC, EQUALL, to originate and hold loans using its proprietary data lake and distribution. FY26 was described as a landmark year: consolidated revenue of INR 317.9 crores (42% YoY), EBITDA INR 19.9 crores (35% YoY) and PAT INR 11.6 crores (39% YoY), while loans on the platform crossed ~INR 10,250 crores and the customer database reached five crore users, giving Finbud strong scale in retail credit data and flows. Finbud’s business mix remains agent-led (86% of disbursals) but management expects the digital business to grow faster; ZAP reported INR 41 crores revenue and disbursed ~INR 1,182 crores last year, while gold loans scaled to ~INR 500 crores in six months, illustrating rapid category experimentation and higher digital economics versus agent margins. EQUALL, the group NBFC, is operational with Ajay Vikram Singh appointed CEO and initial on-book AUM building quickly (INR ~5.3 lakhs AUM as of March 31, later ~INR 9 lakhs disbursed), first debt line approved and a co-lending strategy planned to efficiently scale lending using the existing Finbud funnel and data-first risk selection. Management’s stated FY30 target: consolidated revenue > INR 1,000 crores, ZAP revenue ~INR 300 crores with 25%+ EBITDA margins, and EQUALL AUM ~INR 2,500 crores, a plan that hinges on increasing digital market share, wallet share, new categories and continued agent distribution while using proprietary data and in-house tech to drive operating leverage.
Over the past 52 weeks, Finbud Financial Services Ltd has traded between a low of ₹76.00 and a high of ₹164.85. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Finbud Financial Services Ltd has a market capitalization of approximately 220.21. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Finbud Financial Services Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 18.90 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 220.21 Cr, Finbud Financial Services Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Finbud Financial Services Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Finbud Financial Services Ltd is 18.90. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
Financial Technology (Fintech)
Financial Technology (Fintech)
223 Cr
High Risk
19.1
63.8
0.2
1.9
164.85
76.00
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Profit CAGR
ROE
ROCE