Welcome to Multibagg AI
Log in to access personalized features
IRIS
Multibagg AI is an AI powered stock research and analysis platform. We provide data, information, content, and analytics for publicly traded Indian companies listed on NSE and BSE. AI can make mistakes, check important information.
Research powered by GOALZEN CAPITAL SERVICES PRIVATE LIMITED · SEBI Research Analyst INH000013448
Prices might be delayed by a few minutes.
Join our Exclusive Community
Join our Exclusive Community
Made with 💙 in India. © Finsky Technologies Pvt Ltd. 2026
Get instant AI-powered insights about company performance, financials, and strategy. Ask questions about trends, competition, and developments while receiving responses backed by official documents and market data, with clear attribution to source documents.
Discovery themes featuring this stockBearish
4
Neutral
5
Bullish
5
Bearish
30
Neutral
5
Bullish
11
Bearish
26
Neutral
0
Bullish
6
Bearish
4
Neutral
5
Bullish
5
Bearish
4
Neutral
5
Bullish
5
Bearish
26
Neutral
0
Bullish
6
Bearish
26
Neutral
0
Bullish
6
Bearish
26
Neutral
0
Bullish
6
Finkurve Financial Services is an RBI-registered NBFC primarily engaged in providing gold loans via a branch-led retail network, augmented by unsecured consumer loans and corporate lending; the company partners with ecosystem players to deliver its core gold-lending franchise across southern India and adjacent states.
Q1 FY27 showed rapid scaling: AUM grew 135% YoY, branch count rose 42% to 118, revenues increased ~89% and PAT rose ~65% YoY, all while gross NPA remained low at 0.54% and net NPA at 0.48%, indicating growth with portfolio quality largely under control.
The balance sheet shows significant leverage deployment: debt-to-equity rose from 0.7x to 2.9x as of June 30, 2026, with management targeting a medium-term leverage band of 4.0–4.5x and explicit room for further on- and off-book growth, underscoring an acceleration phase funded by institutional capital.
Management is focused on institutionalization and governance: Finkurve has transitioned to a middle-layer NBFC, strengthened compliance and risk functions with senior hires, and onboarded its first large institutional investor (Franklin Templeton NCD of Rs.50 crores), signalling improved funding diversity and stronger regulatory readiness.
Revenue economics and margin levers are visible: lending yields have held around 20%, co-lending expansion and expected rating/scale benefits are expected to lower cost of funds, and branch-level operating leverage should reduce opex-to-AUM as the network matures toward a targeted AUM per branch.
Finance
Non Banking Financial Company (NBFC)
918 Cr
Low Risk
40.3
15.2
1.4
2.7
123.95
49.06
Sales CAGR
Profit CAGR
ROE
ROCE
Investor Presentation
Q4 FY25
Discovery themes featuring this stockFinkurve Financial Services Ltd (FINKURVE) is currently trading at 65.47 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.
Finkurve Financial Services is an RBI-registered NBFC primarily engaged in providing gold loans via a branch-led retail network, augmented by unsecured consumer loans and corporate lending; the company partners with ecosystem players to deliver its core gold-lending franchise across southern India and adjacent states. Q1 FY27 showed rapid scaling: AUM grew 135% YoY, branch count rose 42% to 118, revenues increased ~89% and PAT rose ~65% YoY, all while gross NPA remained low at 0.54% and net NPA at 0.48%, indicating growth with portfolio quality largely under control. The balance sheet shows significant leverage deployment: debt-to-equity rose from 0.7x to 2.9x as of June 30, 2026, with management targeting a medium-term leverage band of 4.0–4.5x and explicit room for further on- and off-book growth, underscoring an acceleration phase funded by institutional capital. Management is focused on institutionalization and governance: Finkurve has transitioned to a middle-layer NBFC, strengthened compliance and risk functions with senior hires, and onboarded its first large institutional investor (Franklin Templeton NCD of Rs.50 crores), signalling improved funding diversity and stronger regulatory readiness. Revenue economics and margin levers are visible: lending yields have held around 20%, co-lending expansion and expected rating/scale benefits are expected to lower cost of funds, and branch-level operating leverage should reduce opex-to-AUM as the network matures toward a targeted AUM per branch.
Over the past 52 weeks, Finkurve Financial Services Ltd has traded between a low of ₹49.06 and a high of ₹123.95. 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.
Finkurve Financial Services Ltd has a market capitalization of approximately 917.52. 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.
Finkurve 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 40.28 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 917.52 Cr, Finkurve 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.
Finkurve 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 Finkurve Financial Services Ltd is 40.28. 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.
FY26 net profit was ₹26.03 crore, up 49.33% from ₹17.41 crore in FY25.
View Standalone
View Standalone
View Standalone
View Standalone
View Standalone
View Standalone
View Standalone
View Standalone
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
54.00 | 1,088 Cr | 12.70 | 1.51 | 0.00 | 10.90 | 10.63 | 10.25 | ||
9205.50 | 1,009 Cr | 7.63 | 0.92 | 0.00 | 8.38 | 10.47 | 10.86 | ||
353.00 | 1,004 Cr | 28.64 | 0.77 | 0.28 | 3.58 | 4.60 | 1.75 | ||
65.47 | 918 Cr | 40.28 | 2.74 | 0.00 | 7.55 | 6.99 | 2.38 | ||
629.55 | 771 Cr | 19.77 | 4.81 | 0.00 | 18.43 | 29.56 | 16.45 | ||
250.00 | 730 Cr | 31.47 | 5.65 | 0.00 | 19.55 | 79.55 | 29.44 | ||
157.90 | 711 Cr | 53.67 | 4.96 | 0.15 | 15.16 | 8.65 | 1.86 | ||
| Median: 7 Co. | — | 250.00 | 918 Cr | 28.64 | 2.74 | 0.00 | 10.90 | 10.47 | 10.25 |
