Finkurve Financial Services Ltd.

Financial

	Finkurve Financial	Satin Creditcare	Arman Financial Serv
Operational Metrics
NBFC
Capital to Risks Assets Ratio (CRAR)	50.62 %	26.0 %	n/a
Unclassified
Tier I Capital	67.76 %	n/a	n/a
Financials
5 yr Average ROE	7.37 %	5.23 %	18.34 %
5yr average Equity Multiplier	4.01	4.77	5.06
5yr Average Asset Turnover Ratio	1.28	0.2	0.22
5yr Avg Net Profit Margin	13.72 %	5.49 %	17.39 %
5yr Avg Net Profit Margin	13.72 %	5.49 %	17.39 %
5yr CAGR Net Profit	58.52 %	n/a	33.12 %
5yr CAGR Sales	-28.16 %	13.58 %	25.19 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	9.57	0.61	1.65
P/E	83.5	12.29	232.87
Shareholdings
Promoter Holding	62.07 %	36.17 %	22.05 %
Share Pledged by Promoters	19.04 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	9.21 %	-0.52 %	-5.34 %
Change in Mutual Fund Holding (3 Yrs)	0.0	-2.37 %	2.08 %

Business

	Finkurve Financial	Satin Creditcare	Arman Financial Serv
Product Wise Break-Up	Product Wise Break-Up Interest Income 57.29 Fee and Commission 42.71 Remittance Bank Charses Received 0 Income from forex services 0 0 Fees and Commission Income 0 Dividend Income 0 Interest income 0 MSME 0 Service/ Trade (ex. MSME) 0 Production 0 Agri/ Allied Activities 0 Gain on Assignment of Financial Assets 0 0 nbfc 0	Product Wise Break-Up Service/ Trade (ex. MSME) 0 Dividend Income 0 Interest income 93.6 Agri/ Allied Activities 0 Interest Income 0 0 Gain from derecognition of financial instrument 4.86 Remittance Bank Charses Received 0 Income from forex services 0 Fee and Commission 0 Gain on Assignment of Financial Assets 0 Fees and Commission 1.39 Production 0 MSME 0 nbfc 0 Others 0.15	Product Wise Break-Up Service/ Trade (ex. MSME) 0 Dividend Income 0 Interest income 0 Agri/ Allied Activities 0 Interest Income 0 NBFC 71.02 0 Remittance Bank Charses Received 0 Income from forex services 0 Fee and Commission 0 NBFC 5.53 NBFC 18.43 Production 0 MSME 0 nbfc 0 Others 5.02
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rajasthan 0 Bihar 0 Punjab 0 Madhya Pradesh 0 Uttar Pradesh 0 Pondicherry 0 Tripura 0 Karnataka 0 Tamil Nadu 0 Assam 0 Chhattisgarh 0 Jharkhand 0 Maharashtra 0 Gujarat 0 Haryana 0 West Bengal 0 NCR 0	Location Wise Break-Up India 0 Madhya Pradesh 6.6 Punjab 6.6 Maharashtra 0 West Bengal 6.2 Pondicherry 0 Gujarat 0 Assam 3.9 Bihar 14.6 Jharkhand 0 Tamil Nadu 0 Haryana 3.6 NCR 5.6 Karnataka 0 Chhattisgarh 0 Rajasthan 5.7 Uttar Pradesh 26.9 Tripura 0 Others 20.3	Location Wise Break-Up India 0 Madhya Pradesh 16.0 Punjab 0 Maharashtra 5.0 West Bengal 0 Pondicherry 0 Gujarat 29.0 Assam 0 Bihar 10.0 Jharkhand 0 Tamil Nadu 0 Haryana 0 NCR 0 Karnataka 0 Chhattisgarh 0 Rajasthan 11.0 Uttar Pradesh 23.0 Tripura 0 Others 6.0
Borrowings Break-Up	Borrowings Break-Up Unsecured Loan 0 Loan from Body Corporates 0 Securitization 0 DFIs (NABARD, MUDRA & SIDBI) 0 D A 0 ECB 0 NCD 0 NBFC / FI 0 0 Working Capital Loans From Banks 0 From Banks 0 Others 100	-	Borrowings Break-Up Unsecured Loan 0 NBFC / FI 12.3 Securitization 2.9 0 NCD 19.1 DFIs (NABARD, MUDRA & SIDBI) 0 Loan From Banks 32.2 ECB 0 D A 29.8 Working Capital Loans From Banks 0 Loan from Body Corporates 0 Others 3.7
Segment Wise Break-Up	Segment Wise Break-Up Financial Services 100.0	-	-

Finkurve Financial Services Ltd.

Finkurve Financial Services Ltd.

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