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Bearish
4
Neutral
2
Bullish
8
Bearish
33
Neutral
2
Bullish
11
Bearish
29
Neutral
0
Bullish
3
Discovery themes featuring this stock
Finkurve Financial Services Limited is a technology-led NBFC focused primarily on retail gold-backed lending, operating as part of the Augmont group with a network of 98 branches and Q3FY26 AUM of INR 833 crore (includes off‑book). The company leverages Augmont’s refinery, digital gold and distribution ecosystem to source customers and manage gold collateral efficiently across southern India.
The company is in a high-growth phase: AUM rose 119% YoY to INR 833 crore, gold loan AUM reached INR 779 crore while gold under management climbed 57% YoY to 971 kg; branch count expanded from 72 to 98 and active customers increased 66% YoY, demonstrating strong traction in retail gold lending.
Finkurve’s asset quality appears resilient with NNPA at 0.54% in Q3FY26 and collection efficiency sustained at 94%, while conservative underwriting yields an LTV around 65.8%; however capital adequacy declined to 39.3% and leverage rose to 1.67x, signalling a deliberate step-up in funded growth that management plans to manage prudently.
The company benefits from a distinctive strategic moat: integration with Augmont’s gold handling, BIS/NABL accreditation and AEO status, a proprietary loan origination platform with AI-driven surveillance and dual verification controls, and partnerships with banks and NBFCs including RBL for co-lending, which collectively reduce operational fraud risk and speed up scaling.
Profitability is improving but remains shaped by growth investments: Q3 FY26 total income rose 31% YoY to INR 52.47 crore and PAT was INR 6.98 crore; NIM contracted to 15.2% due to higher finance costs and leverage, but management expects normalization as funding mix diversifies and scale drives operating leverage.
Finance
Non Banking Financial Company (NBFC)
1,445 Cr
Low Risk
36.6
17.8
0.1
9.1
153.60
57.25
Sales CAGR
Profit CAGR
ROE
ROCE
Discovery themes featuring this stock
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| Symbol | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
101.35 | 1,740 Cr | 90.31 | 5.48 | 0.00 | 5.88 | 10.39 | 1.55 | |
71.43 | 1,586 Cr | 12.27 | 1.17 | 6.02 | 12.62 | 24.00 | 7.91 | |
29.45 | 1,561 Cr | 327.22 | 1.80 | 0.00 | 0.51 | 0.12 | 0.14 | |
347.90 | 1,543 Cr | -13.49 | 2.88 | 0.00 | 0.00 | 0.00 | — | |
59.60 | 1,445 Cr | 36.55 | 9.14 | 0.00 | 12.49 | 15.44 | 12.24 | |
1358.10 | 1,435 Cr | 50.45 | 1.65 | 0.00 | -0.12 | 10.77 | 1.32 | |
89.85 | 1,395 Cr | 11.07 | 0.41 | 0.00 | 6.31 | 9.39 | 1.15 | |
| Median: 7 Co. | 89.85 | 1,543 Cr | 36.55 | 1.80 | 0.00 | 5.88 | 10.39 | 1.43 |
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Finkurve Financial Services Ltd (FINKURVE) is currently trading at 59.60 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 Limited is a technology-led NBFC focused primarily on retail gold-backed lending, operating as part of the Augmont group with a network of 98 branches and Q3FY26 AUM of INR 833 crore (includes off‑book). The company leverages Augmont’s refinery, digital gold and distribution ecosystem to source customers and manage gold collateral efficiently across southern India. The company is in a high-growth phase: AUM rose 119% YoY to INR 833 crore, gold loan AUM reached INR 779 crore while gold under management climbed 57% YoY to 971 kg; branch count expanded from 72 to 98 and active customers increased 66% YoY, demonstrating strong traction in retail gold lending. Finkurve’s asset quality appears resilient with NNPA at 0.54% in Q3FY26 and collection efficiency sustained at 94%, while conservative underwriting yields an LTV around 65.8%; however capital adequacy declined to 39.3% and leverage rose to 1.67x, signalling a deliberate step-up in funded growth that management plans to manage prudently. The company benefits from a distinctive strategic moat: integration with Augmont’s gold handling, BIS/NABL accreditation and AEO status, a proprietary loan origination platform with AI-driven surveillance and dual verification controls, and partnerships with banks and NBFCs including RBL for co-lending, which collectively reduce operational fraud risk and speed up scaling. Profitability is improving but remains shaped by growth investments: Q3 FY26 total income rose 31% YoY to INR 52.47 crore and PAT was INR 6.98 crore; NIM contracted to 15.2% due to higher finance costs and leverage, but management expects normalization as funding mix diversifies and scale drives operating leverage.
Over the past 52 weeks, Finkurve Financial Services Ltd has traded between a low of ₹57.25 and a high of ₹153.60. 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 1,444.85. 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 36.55 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 1,444.85 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 36.55. 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.
