Finkurve Financial Services Ltd (FINKURVE) — shareholding pattern, promoter holding, financials and share price
About Finkurve Financial Services Ltd (FINKURVE)
Finkurve Financial Services Ltd operates in the Non Banking Financial Company (NBFC) industry, within the Financial Services sector. It trades on the NSE as FINKURVE and on the BSE under scrip code 508954. Its ISIN is INE734I01027.
Incorporated in 1984, Finkurve Financials Services Ltd operates in Financing and other activities [1]
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.
Listed peers in Non Banking Financial Company (NBFC): Arman Financial Services Ltd, Balmer Lawrie Investment Ltd, Ugro Capital Ltd, Saraswati Commercial (India) Ltd, A.K.Capital Services Ltd, Crest Ventures Ltd.
Valuation & Returns
10 Jul 2026At ₹63.1 a share on 10 Jul 2026, Finkurve Financial Services Ltd (FINKURVE) was valued at a price-to-earnings ratio of 38.82x against an industry P/E of 19.5x and a price-to-book of 5.6x on a book value of ₹11.28 per share as of Mar 2022. Solomo computes return on equity of 14.41% and return on capital employed of 15.44% from filed results. Earnings ratios use consolidated results for the twelve months Sep 2021 to Dec 2023.
- P/E
- 38.82x
- Industry P/E
- 19.5x
- P/B
- 5.6x
- EPS (TTM)
- ₹1.63
- Book value / share
- ₹11.28
- ROE
- 14.41%
- ROCE
- 15.44%
- ROA
- 12.24%
- Debt / equity
- 0.15x
- Dividend yield
- 0%
- EBITDA margin
- 47.87%
- 52-week range
- ₹49.06 – ₹134.3
Ratios are computed from filed results and the last recorded price. Not investment advice.
Financial Performance
Mar 2022In the year ended Mar 2022, Finkurve Financial Services Ltd (FINKURVE) reported revenue of ₹57 crore, net profit of ₹20 crore and earnings per share of ₹1.55. That compares with revenue of ₹28 crore and net profit of ₹5 crore in Mar 2021. Figures are consolidated, as filed with the exchanges.
In the quarter ended Dec 2023, revenue was ₹23.64 crore and net profit ₹4.91 crore (consolidated).
| Metric | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 |
|---|---|---|---|---|---|
| Revenue (₹ cr) | 299 | 18 | 25 | 28 | 57 |
| Net profit (₹ cr) | 2 | 0 | 4 | 5 | 20 |
| EPS (₹) | 0.2 | 0.05 | 0.32 | 0.36 | 1.55 |
| Measure | 10Y | 5Y | 3Y | 1Y |
|---|---|---|---|---|
| Sales growth | 35.01% | 53.83% | 83.65% | 99.79% |
| Profit growth | 47.54% | 34.00% | -6.95% | 334.58% |
| Stock price CAGR | 10% | 7% | -5% | -45% |
Ownership Summary
Jun 2026As of Jun 2026, promoters hold 56.21% of Finkurve Financial Services Ltd (FINKURVE) (down 0.03 pp QoQ), foreign institutional investors (FII) hold 7.3%. Market capitalisation was ₹884 crore on 10 Jul 2026. Shareholding is filed quarterly with BSE and NSE; Solomo carries every filing back to Mar 2001.
Largest disclosed public shareholders in Jun 2026: THOMAS JOHN MUTHOOT 13.14%, RISHABH MEHTA 5.79%, NEXPACT LIMITED 5.29%, HUF 1.11%, SANDEEP KAPADIA 1.1%, MINERVA VENTURES FUND 1.09%. Only stakes above the 1% disclosure threshold are named in filings.
| Quarter | Promoter | Pledged | FII | DII | Public |
|---|---|---|---|---|---|
| Jun 2026 | 56.21% | - | 7.3% | - | 43.79% |
| Mar 2026 | 56.24% | 19% | 7.03% | - | 43.76% |
| Dec 2025 | 56.24% | 19% | 6.7% | - | 43.76% |
| Sep 2025 | 56.26% | 19% | 6.7% | - | 43.74% |
| Jun 2025 | 56.26% | 19% | 5.99% | - | 43.74% |
| Mar 2025 | 62.07% | 19% | 5.89% | - | 37.93% |
| Dec 2024 | 61.7% | 19.2% | 5.84% | - | 38.3% |
| Sep 2024 | 58.99% | 20% | 5.84% | - | 41.01% |