Finkurve Financial Services Limited is a non-banking financial company providing digital and consumer-focused lending solutions. Its business focuses on underserved retail and small-business customers through technology-enabled credit processes. Increasing digital lending adoption and formalization of credit provide opportunities for expansion. Data-driven underwriting and digital distribution can improve scalability and customer acquisition. Asset quality, credit costs, funding availability, regulatory changes, interest rates, and competition remain important considerations.
| Market cap | Sales (TTM) | Net profit (TTM) | P/E | EPS (TTM) | P/B | ROE | Beta |
|---|---|---|---|---|---|---|---|
| ₹889 cr | — | — | 30.8 | 2.06 | 2.55 | 8.3% | 0.56 |
| Method | Checks | Score | Verdict |
|---|---|---|---|
| Minervini | ✗ Close above the 150- and 200-day averages ✗ 150-day above 200-day ✗ 200-day rising for a month ✗ 50-day above the 150- and 200-day ✗ Close above the 50-day ✗ At least 25% above the 52-week low · low 51.07 ✗ Within 25% of the 52-week high · high 117.93 ✗ RS percentile 70 or more · RS 16 Minervini's trend template - the gate the scanner applies. | 0/8 | 0 of 8 |
| Weinstein | Stan Weinstein's stage analysis on the 30-week moving average. | Stage 1 - basing | |
| CAN SLIM | — C latest quarter EPS up 25%+, with sales up 25%+ or accelerating — A annual EPS up 25%+ in each of the last 2 years · O'Neil asks 3; ~2 held ✗ N (proxy) near the 52-week high - within 15% · high 117.93 ✓ S (proxy) more volume on up days than down days (50 sessions) · 1.85x ✗ L RS percentile 80 or more · RS 16 — I (proxy) FII + DII holding trend · not yet collected for this stock ✗ M (proxy) market in an uptrend, 40%+ of stocks above their 200-day - shared, not counted · breadth 39% William O'Neil's growth-leader checklist, as a checklist score: the six stock letters counted equally, though O'Neil read them together. M is the market condition, shown but not counted. N, S, I and M are proxies. | 1/3 | Weak |
| Darvas | ✗ New 52-week high in the last 120 sessions Darvas needs a new 52-week high to start a box. | 10/100 | No box |
| Turtle | ✗ Close above the prior 55-session high · 83.10 ✗ Close above the prior 20-session high · 72.90 ✗ Close below the prior 20-session low (also a Turtle exit level) · 60.10 Turtle-inspired long breakout: the Turtle traders' entry channels only - no exits, stops or position sizing. | No signal | |
| Graham | ✗ Price at or below the Graham number · Graham number 33.96 · price / Graham number 1.87 · trailing 4-quarter EPS (3 years not held) ✗ P/E 15 or less · P/E 30.8 on trailing 4-quarter EPS (3 years not held) ✗ P/B 1.5 or less (or P/E x P/B 22.5 or less) · P/B 2.55 · P/E x P/B 78.6 — Current ratio 2 or more — Long-term debt no more than net current assets — Positive earnings in every full year held — 20 years of dividends, 10-year earnings growth, adequate size · not assessed Graham number valuation: the price against sqrt(22.5 x EPS x book value per share). Graham's defensive tests are listed separately; this is not his full defensive screen. | Above Graham number |
| Stock | 1M % | 3M % | 6M % | 1Y % | 3Y % | 5Y % | P/E | P/B | ROE % | ROCE % | ROA % | D/E | EV/EBITDA | ₹ Cr | Sales TTM ₹ Cr | Profit TTM ₹ Cr | EPS | Beta |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FINKURVE this stock | -10.0 | +1.2 | -12.1 | -44.1 | — | — | 30.8 | 2.55 | 8.3 | — | — | — | — | 889 | — | — | 2.1 | 0.56 |
| VIJIFIN | -3.1 | +55.6 | +310.8 | +438.0 | +798.8 | +487.7 | 42.4 | 6.95 | 8.8 | — | 5.75 | 0.07 | — | 353 | 8 | 6 | 0.4 | 0.21 |
| ONELIFECAP | +31.1 | +50.8 | +206.2 | +290.7 | +206.2 | +247.1 | — | 2.79 | 10.0 | 11.4 | 3.17 | 0.43 | 21.7 | 204 | 16 | 10 | -0.6 | 0.13 |
| TFCILTD | +13.8 | +55.1 | +119.1 | +128.9 | +668.3 | +1047.1 | 47.4 | 5.56 | 9.8 | — | 5.47 | 0.82 | — | 7,313 | 291 | 154 | 3.3 | 1.03 |
| PAISALO | -0.7 | +11.4 | +58.9 | +109.4 | +109.6 | +67.3 | 27.2 | 3.75 | 14.3 | — | 4.11 | 2.83 | — | 7,254 | 1,039 | 265 | 2.9 | 0.81 |
| UYFINCORP | +31.0 | +50.1 | +105.9 | +99.2 | — | — | 9.2 | 1.46 | 13.4 | — | 12.57 | 0.01 | — | 570 | 212 | 62 | 3.3 | 0.77 |
| BLUSPRING | -1.6 | +25.6 | +125.3 | +83.5 | — | — | — | 3.25 | -2.3 | 1.1 | -1.42 | 0.12 | 39.7 | 2,174 | 3,534 | -18 | -0.7 | 0.75 |
| SGFIN | +8.4 | +0.4 | +20.7 | +76.3 | — | — | 23.5 | 2.83 | 11.9 | — | — | — | 9.9 | 4,515 | — | — | 29.1 | 0.95 |
| ARFIN | +4.6 | +1.6 | -3.4 | +65.9 | — | — | 83.7 | 9.04 | 11.0 | — | — | 0.76 | 34.8 | 1,540 | 722 | 18 | 1.1 | 0.90 |
| WELINV | -11.5 | +14.0 | +46.0 | +64.4 | +228.8 | +589.0 | — | — | — | — | — | — | — | — | — | — | — | 0.70 |
| SHRIPISTON | -5.5 | -3.5 | +21.5 | +62.2 | +324.6 | +810.1 | 32.3 | 4.71 | 20.9 | 20.7 | 11.36 | 0.30 | 19.6 | 19,680 | 5,602 | 595 | 131.3 | 1.20 |
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