Overview

Detailed Summary

Finbud Financial Services Limited operates as a loan aggregation platform connecting borrowers with various lenders through both digital and agent channels. Its hybrid model stands out as its key differentiator.
The company reported a strong financial performance in H1 FY26, with a 36-38% growth across major financial metrics and recorded 5.1 crore PAT.
Finbud has recently launched new products like gold loans and wellness plans, indicating its strategic direction towards diversified product offerings.
Finbud successfully completed its IPO in November 2025, which was oversubscribed by 4.2 times, showcasing strong investor confidence.
The company is poised for future expansion and aims for substantial growth, targeting a disbursal volume of 9,700 crores by FY26 and further increasing its digital mix.

Sector: Financial Technology (Fintech)
Industry: Financial Technology (Fintech)
Market Cap: 241 Cr
Volatility: High Risk
P/E Ratio: 20.7
Industry P/E: 83.1
PEG Ratio: 0.4
P/B Ratio: 2.1
52W High: 164.85
52W Low: 76.00

Sales CAGR

1Y: 17.37%
3Y: 36.38%
5Y: —
10Y: —

Profit CAGR

1Y: 50.18%
3Y: —
5Y: —
10Y: —

ROE

TTM: 10.09%
3Y: 29.66%
5Y: —
10Y: —

ROCE

TTM: 12.87%
3Y: 35.75%
5Y: —
10Y: —

Technicals

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Forecasts

Peers

Financial Services Financial Services

Symbol	Watchlist	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
MOS		14.55	375 Cr	20.81	3.52	0.00	16.90	15.74	8.47
FINBUD		124.90	238 Cr	20.42	2.06	0.00	10.09	12.87	6.98
WSFX		61.00	135 Cr	-29.67	4.68	0.88	-12.17	-11.15	-8.19
IBLFL		60.60	119 Cr	61.54	2.20	0.00	—	—	0.00
MYMUDRA		66.75	76 Cr	6.34	1.16	0.00	18.35	22.52	14.36
SUVIDHAA		2.57	54 Cr	-5.68	2.01	0.00	-37.53	-35.58	-15.94
AGSTRA		2.33	30 Cr	-0.18	0.05	0.00	1.72	8.25	-8.00
Median: 7 Co.	—	60.60	119 Cr	6.34	2.06	0.00	5.90	10.56	0.00

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Mar 2026
Sales	177
Expenses	168
Operating Profit	9.21
OPM %	5.20
Other Income	1.62
Interest	1.41
Depreciation	1.43
Profit Before Tax	8.00
Tax %	20.63
Net Profit	6.35
EPS in Rs	3.98

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Sales	88	135	190	223
Expenses	86	131	180	209
Operating Profit	2.05	4.23	11	15
OPM %	2.32	3.12	5.57	6.57
Other Income	0.02	0.09	0.04	0.22
Interest	1.02	0.98	1.15	1.41
Depreciation	0.88	0.90	1.07	1.52
Profit Before Tax	0.17	2.44	8.40	12
Tax %	105.00	24.67	29.42	28.91
Net Profit	-0.01	1.84	5.93	8.50
EPS in Rs	—	—	—	—
Dividend Payout %	0.00	0.00	0.00	0.00

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	0.02	0.02	0.02	14
Reserves	4.28	6.12	12	22
Borrowings	5.58	7.40	12	19
Other Liabilities	15	14	21	14
Total Liabilities	25	28	46	69
Fixed Assets	1.54	2.19	2.81	2.59
CWIP	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	0.00
Other Assets	23	26	43	66
Total Assets	25	28	46	69

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	1.88	2.69	-2.10	-13
Cash from Investing Activity	-0.78	-1.46	-1.66	-1.46
Cash from Financing Activity	-2.02	0.83	3.87	20
Net Cash Flow	-0.92	2.06	0.12	5.58

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Jan 2025	Jul 2025	Oct 2025	Nov 2025	Mar 2026
Promoters	64.92%	64.92%	64.92%	47.72%	48.25%
FIIs	0.00%	0.00%	0.00%	1.40%	0.75%
DIIs	35.08%	35.08%	35.08%	7.75%	5.88%
Public	0.00%	0.00%	0.00%	43.13%	45.13%
Total Shareholders	48	48	50	1,151	625

Market Transactions

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Projection

Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q4 FY26

Investor Presentation

Q2 FY26

Actions

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Last 7 days

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