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On 6 Nov 2026, Finkurve Financial Services was priced at ₹68.02, or 33.0× trailing earnings, and the shares are 43% below their 52-week high. Its ROE of 9.4% is the lowest among the 7 largest Credit Services peers, and net profit grew 22% a year over 3 years. For banks and lenders, ROCE and debt-to-equity are not used; it trades at 2.73× book value. It is a small-cap company with a market cap of ₹953 Cr, ranked 44th of 193 Credit Services companies by market cap; the shares fell 42% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Jun 2026.How we calculate this

past year
Open
₹65.50
Day high
₹69.50
Day low
₹65.50
Prev. close
₹64.74
Volume
91.6K

Health check

2 fair · 3 to check
  • ReturnsBehind

    −42.4% over a year, better than 0 of 7 peers.

  • Price tagIn line

    P/B 2.73 vs peer median 2.62.

  • GrowthSteady

    Profit +22.0% a year over 3 years.

  • ProfitabilityWeak

    ROE 9.4% vs peer median 18.7%.

  • Balance sheetn/a

    Asset quality (bad loans) isn’t in our data.

  • Red flags1 to check

    43% below its 52-week high.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Credit Services

192 listed peers. Screen the industry

Small cap

₹953 Cr, #44 of 193 in its industry by size.

Defensive

Beta 0.32 vs the NIFTY 50: moves less than the market.

Key metrics

Last 12 months to Jun 2026: sales ₹159 Cr · profit ₹29 Cr
Market cap
₹953 Cr
Small cap
P/E
33.0
Industry 15.9
Price to book
2.73
Peers 2.62
Dividend yield
0.00%
ROE
9.4%
Peers 18.7%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹2.06
Face value ₹1
OPM (TTM)
22.9%
Net margin 18.4%
Sales growth
n/m
Not meaningful for lenders
Profit growth
+65.7%
Latest quarter vs a year ago
Price to sales
5.98

Strengths and risks

Strengths

  • Quarterly profit up 65.7% on a year ago.

Risks to check

  • 43% below its 52-week high.

Derived automatically from reported figures. Not a recommendation.

About Finkurve Financial Services

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…

Headquarters
Mumbai
Employees
339
Sector
Financial Services
ISIN
INE734I01027
Website
arvog.com

Price range

52 weeks

₹48.02₹119.70

Today

₹65.50₹69.50
Avg volume (3M)
1.3 L
1-year return
minus 42.4%
From 52-week high
minus 43.2%

Peers · Credit Services

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
BAJFINANCEBajaj Finance1,087.75plus 1.66%6,77,00531.35.4919.0%3.8%18.2%0.50%plus 1.2%
SHRIRAMFINShriram Finance961.15minus 0.30%2,26,16716.02.0314.8%3.9%18.6%1.79%plus 21.0%
CHOLAFINCholamandalam Investment and Finance Company1,785.00plus 1.42%1,53,10324.54.4120.6%2.6%25.2%0.11%plus 0.8%
TATACAPTata Capital358.05plus 2.93%1,50,97925.43.1014.1%2.2%–0.16%plus 5.6%
MUTHOOTFINMuthoot Finance2,869.00plus 1.06%1,15,1819.42.6231.6%6.3%43.1%1.06%minus 11.0%
PFCPower Finance Corporation328.80minus 0.18%1,08,5074.10.7418.7%2.7%17.7%4.98%minus 16.9%
IRFCIndian Railway Finance Corporation80.43plus 0.37%1,05,11014.31.7312.6%1.4%4.4%2.75%minus 34.4%
FINKURVEFinkurve Financial Services68.02plus 5.07%95333.02.739.4%–22.0%0.00%minus 42.4%
Median of 7 peers–1.06%1,50,97916.02.6218.7%2.7%18.4%1.06%0.8%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrJun 25Sep 25Dec 25Mar 26Jun 26
39.847.951.466.274.8
27.734.736.950.463.3
12.213.214.515.911.6
30.5%27.5%28.2%24.0%15.5%
0.20.10.51.90.7
0.80.70.61.31.1
−4.7−5.1−4.4−60.1
6.87.49.910.411.2
25.5%19.9%29.8%22.8%24.7%
5.15.9788.4
–0.420.490.560.59

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
+22.0%
ROE
9.4%
Net profitSelect a row below to chart it
₹ CrMar 2022Mar 2023Mar 2024Mar 2025Mar 2026
–50.489.3139205
––+77.4%+55.3%+48.0%
–29.666.998.4150
–20.822.540.355.7
–41.3%25.1%29.1%27.1%
–0.220.532.6
0.10.70.82.4–
–0.40.51.13.4
–−0.2−20.5−16.2−20.3
–19.621.223.634.6
–26.9%24.3%26.3%24.7%
–14.316.117.426
––+12.2%+8.3%+49.6%
1.70–––1.86

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
12.712.712.714
160176194331
51.675.4241847
10.519.629.541
2352844771,233
1.20.715.127.4
––7.6–
6.28.314.632.4
5.19.220102
2222654201,071
2352844771,233

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
−20.3−7.1−134−566
−0.9−6.3−4.6−6.5
2317.6145659
1.84.26.886.7
−0.9−6.8−4.5−6.2
−21.1−13.9−138−572

Shareholding pattern

Source: NSE filings
56.2%
promoters
  • Promoters56.21%
  • Public43.79%
  • As of 30 Sep 2026
QuarterSplitPromotersPublicPromoter change
30 Sep 202656.21%43.79%0.00
30 Jun 202656.21%43.79%minus 0.03
31 Mar 202656.24%43.76%0.00
31 Dec 202556.24%43.76%minus 0.02
30 Sep 202556.26%43.74%–

Major shareholders

NSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you