What the business is, and whether it's a good one at a fair price.
Lends against gold jewellery to retail customers through a branch-based model, earning interest income on the loan book. In Q4 FY26, assets under management stood at INR 1,096 crore (up 149% year-on-year), served through 105 branches that were expanded from 73 a year earlier. The company funds this book with debt at an average cost of borrowing guided at ~11.2% for FY27, sitting on total assets of INR 1,233 crore and a capital adequacy ratio of 30.96% as of FY26. It also runs a co-lending programme with bank partners such as Godrej and RBL, where loans are originated jointly and a portion sits off-balance-sheet; co-lending AUM of about INR 21 crore was already built out at the time of the Q4 FY26 update. A small cross-sell channel branded Arvog Wellness has issued 150+ insurance policies, with additional cross-sell products in rollout. Employee cost was 8.8% of FY26 revenue and other operating expenses 6.2%, while depreciation was 1.7%.
Measured from the filed financials, judged against its Non Banking Financial Company (NBFC) peers · as of FY22 — not investment advice
How has the market priced it — with filings on the timeline?
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
How does it stack up on valuation, returns and growth?
Loading peers…
Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.
Loading financials…
Who owns it — and is the promoter stake clean?
Loading shareholding…
Sign up to see the full company file
Governance, sustainability, compliance, earnings calls, presentations, events, reactions and the full filings feed — free with an account.
Answered from FINKURVE FINANCIAL SERV L's filed financials and exchange disclosures
FINKURVE FINANCIAL SERV L is a Finance company listed on NSE and BSE, trading under the symbol FINKURVE.
Yes. Over the trailing twelve months FINKURVE FINANCIAL SERV L reported a net profit of ₹23 Cr on revenue of ₹72 Cr.
Not in the latest reported year — FINKURVE FINANCIAL SERV L's dividend payout for FY22 was nil.
Effectively yes. It holds ₹3 Cr more cash than debt. Debt stands at 0.00× equity.
On trailing P/E, FINKURVE FINANCIAL SERV L ranks 164 of 212 in Non Banking Financial Company (NBFC) — cheaper than 23% of them, against an industry median of 18.2×. This is a position, not a valuation judgement.
On a typical session FINKURVE FINANCIAL SERV L moves 1.94% — that is the median absolute close-to-close move across its last 233 trading days. Announcement days are routinely larger.
Every NSE and BSE filing by FINKURVE FINANCIAL SERV L appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.
Figures are as last reported and may lag the latest filing. Not investment advice.