Finkurve Financial Services Limited
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 S… Read more
Finkurve Financial Services Limited (FINKURVE) - Net Assets
Latest net assets as of September 2025: ₹3.29 Billion INR
Based on the latest financial reports, Finkurve Financial Services Limited (FINKURVE) has net assets worth ₹3.29 Billion INR as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (₹7.41 Billion) and total liabilities (₹4.13 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | ₹3.29 Billion |
| % of Total Assets | 44.33% |
| Annual Growth Rate | 9.3% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 0.11 |
Finkurve Financial Services Limited - Net Assets Trend (2022–2025)
This chart illustrates how Finkurve Financial Services Limited's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Finkurve Financial Services Limited (2022–2025)
The table below shows the annual net assets of Finkurve Financial Services Limited from 2022 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | ₹2.06 Billion | +9.37% |
| 2024-03-31 | ₹1.89 Billion | +9.39% |
| 2023-03-31 | ₹1.72 Billion | +9.14% |
| 2022-03-31 | ₹1.58 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Finkurve Financial Services Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 141.3% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | ₹653.10 Million | 31.64% |
| Common Stock | ₹126.91 Million | 6.15% |
| Other Components | ₹1.28 Billion | 62.21% |
| Total Equity | ₹2.06 Billion | 100.00% |
Finkurve Financial Services Limited Competitors by Market Cap
The table below lists competitors of Finkurve Financial Services Limited ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
PERRIGO
F:PGO
|
$6.37K |
|
MY XUAN BRICK
VN:GMX
|
$6.37K |
|
Bayn Group AB (publ)
MU:B39
|
$6.38K |
|
TRINITY MIRROR
BE:MRR
|
$6.38K |
|
FHER3F
SA:FHER3F
|
$6.36K |
|
Triad Group PLC
LSE:TRD
|
$6.36K |
|
bleuacacia ltd Warrants
NASDAQ:BLEUW
|
$6.36K |
|
Ubion Co. Ltd.
KO:084440
|
$6.36K |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Finkurve Financial Services Limited's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 1,887,030,000 to 2,063,915,000, a change of 176,885,000 (9.4%).
- Net income of 174,073,000 contributed positively to equity growth.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | ₹174.07 Million | +8.43% |
| Other Changes | ₹2.81 Million | +0.14% |
| Total Change | ₹- | 9.37% |
Book Value vs Market Value Analysis
This analysis compares Finkurve Financial Services Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Insufficient data available to analyze book value vs market value.
Capital Efficiency Dashboard
This dashboard shows how efficiently Finkurve Financial Services Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 8.43%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 12.55%
- • Asset Turnover: 0.29x
- • Equity Multiplier: 2.31x
- Recent ROE (8.43%) is below the historical average (9.73%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2022 | 13.67% | 95.45% | 0.12x | 1.18x | ₹58.04 Million |
| 2023 | 8.30% | 28.45% | 0.21x | 1.36x | ₹-29.27 Million |
| 2024 | 8.52% | 17.99% | 0.31x | 1.50x | ₹-27.99 Million |
| 2025 | 8.43% | 12.55% | 0.29x | 2.31x | ₹-32.32 Million |
Industry Comparison
This section compares Finkurve Financial Services Limited's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $3,621,595,776
- Average return on equity (ROE) among peers: 14.36%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Finkurve Financial Services Limited (FINKURVE) | ₹3.29 Billion | 13.67% | 1.26x | $6.36K |
| Akme Fintrade India Ltd (AFIL) | $3.82 Billion | 8.69% | 0.77x | $14.54 Million |
| Arman Financial Services Limited (ARMANFIN) | $196.82 Million | 15.55% | 2.31x | $97.80 Million |
| Baid Finserv Limited (BAIDFIN) | $1.30 Billion | 5.85% | 1.62x | $4.85 Million |
| Capital Trust Limited (CAPTRUST) | $93.80 Million | 16.46% | 2.19x | $586.90K |
| Capri Global Capital Limited (CGCL) | $1.53 Billion | 67.12% | 0.54x | $555.03 Million |
| Cholamandalam Financial Holdings Limited (CHOLAHLDNG) | $8.02 Billion | 8.68% | 3.62x | $1.74 Billion |
| Capital India Finance Limited (CIFL) | $6.56 Billion | -6.33% | 1.73x | $2.98K |
| CP Capital Limited (CPCAP) | $5.46 Billion | 6.99% | 0.14x | $4.60 Million |
| CREDITACCESS GRAMEEN LIMITED (CREDITACC) | $6.91 Billion | 10.89% | 4.16x | $724.43 Million |
| CSL Finance Limited (CSLFINANCE) | $2.33 Billion | 9.66% | 0.43x | $19.61 Million |