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FINKURVE (FINKURVE) Fair Value & Analysis

Financial Services · Market cap ₹9.2B

F FINKURVE FINKURVE · NSE
Price₹65.33
Fair Value₹37.15
Upside-43.1%
Quality40/100
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Evidence: High Range ₹20.70 – ₹46.44

Fair value as of: Jul 3, 2026

From 24 valuation models · updated today

Share price +8.5% over the past month.

Price vs Fair Value (9 months)

₹125.47 ₹51.07 Fair Value ₹37.15 Oct 2025 Jul 2026

9‑month range ₹51.07 – ₹125.47 · fair‑value band ₹20.70 – ₹46.44 · the ₹65.33 price screens above the ₹37.15 fair value. As of Jul 3, 2026.

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Analysis

FINKURVE (FINKURVE) currently trades at ₹65.33, while our model-based Fair Value estimate is ₹37.15 — implying the stock looks roughly 43.1% overvalued today. We read business quality at 40/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

Over the trailing twelve months, FINKURVE generated revenue of ₹1.4B at a net margin of 18.8%. Revenue declined 12.1% year over year. It earns a return on equity of 9.4%. Net debt stands at ₹7.5B. Fundamentals as of Jul 3, 2026

Key figures & financial health

Revenue (TTM) ₹1.4B
Revenue growth (YoY) -12.1%
Net margin 18.8%
Return on equity 9.4%
Free cash flow ₹464M FY2026
P/E ratio 35.1
More key figures
Operating margin 24.7%
EPS (TTM) ₹1.86
EPS growth (YoY) +86.7%
Net debt ₹7.5B FY2026

Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

FINKURVE reported revenue of ₹2.1B in FY2026 versus ₹226M in FY2022, a compound +74.1%/yr. Reported net income was ₹260M in FY2026, compounding +4.8%/yr from FY2022.

Revenue +74.1%/yr
FY22 ₹226M
FY23 ₹504M
FY24 ₹893M
FY25 ₹1.4B
FY26 ₹2.1B
Net income +4.8%/yr
FY22 ₹216M
FY23 ₹143M
FY24 ₹161M
FY25 ₹174M
FY26 ₹260M

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Similar stocks

6 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 3, 2026).

Stock Price Fair Value vs Fair Value
Visa Inc V 5,663 MXN 3,063 MXN -46%
Mastercard Incorporated MA C$29.95 C$10.05 -66%
M4I M4I €430.50 €317.57 -26%
American Express Company AXP C$28.87 C$23.85 -17%
Capital One Financial Corporation COF $183.20 $122.33 -33%
Bajaj Finance Limited BAJFINANCE ₹968.30 ₹720.78 -26%

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Frequently asked questions

Is FINKURVE (FINKURVE) undervalued?
As of Jul 3, 2026, our model estimates a fair value of ₹37.15 versus a price of ₹65.33 — about −43% (overvalued). Model-based estimate, not financial advice.
What is the fair value of FINKURVE?
Our model-based fair value for FINKURVE is ₹37.15 (as of Jul 3, 2026), built from audited fundamentals. The current price is ₹65.33.
What is the quality score of FINKURVE?
FINKURVE has a Quality Score of 40/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of FINKURVE (FINKURVE)?
FINKURVE reported trailing-twelve-month revenue of about ₹1.4B (latest available figure, as of Jul 3, 2026).
What is the net profit margin of FINKURVE?
The net profit margin of FINKURVE is about 18.8%, meaning it keeps roughly 18.8% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.