Finbud Financial Stock Price Today (NSE: FINBUD)
Fundamental Score
Finbud Financial Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Finbud Financial share price today is ₹127.15, up +0.00% on NSE/BSE as of 1 August 2026. Finbud Financial (FINBUD) is a Small-cap company in the Financial Technology (Fintech) sector with a market capitalisation of ₹242.22 (Cr). The 52-week high for FINBUD share price is ₹N/A and the 52-week low is ₹N/A. At a P/E ratio of 20.79x, FINBUD is currently trading below its industry average P/E of 54.18x. The company has a Return on Equity (ROE) of 15.39% and a debt-to-equity ratio of 0.20.
Finbud Financial Share Price Chart — NSE/BSE Historical Performance
Finbud Financial share price chart: 0.00% return over the past month. 52-week high ₹N/A, 52-week low ₹N/A.
AI Research Briefing
Powered by Gemini · 2026-08-01
A micro-cap digital pivot demonstrating explosive loan volume growth, weighed down by a history of atrocious free cash flow.
WHAT'S HAPPENING NOW (last 2-4 weeks)
On July 28, 2026, Finbud reported a Q1FY27 business update. Revenue reached ₹83.2 crore, growing 39% YoY. The primary driver is their digital business unit, ZAP, which spiked 116% YoY to ₹15.7 crore. The traditional agent business generated ₹67.5 crore. Total loan disbursals surged 49% YoY to ₹3,028 crore. Margins are tracking in line with start-of-year projections.
CORE STORY (THE REAL GAME)
This is a micro-cap transition play. The market is tracking the pivot from a legacy agent lending model to a high-velocity digital originator. The entire narrative depends on scaling the ZAP digital platform without blowing up customer acquisition costs.
- Q1FY27 total revenue jumped 39% YoY to ₹83.2 crore [1.1.4]
- Digital unit (ZAP) revenue rocketed 116% YoY to ₹15.7 crore
- Total loan disbursals surged 49% YoY to ₹3,028 crore
- Sustained 100%+ growth in digital disbursals over the next two quarters
- Transition from negative to positive operating cash flow
- Regulatory tightening on SME and retail digital lending platforms
- Micro/SME cap status guarantees severe secondary market liquidity risk
- Negative free cash flow of ₹33.28 crore over the last 5 years indicates profit is not translating to cash
- Still heavily reliant on the low-margin legacy agent business for 81% of total revenue [1.1.4]
Promoter marginally increased stake by 0.53%; institutional participation is negligible with DII at 5.88% and FII at 0.75%.
India's fintech capital is concentrating in late-stage proven winners, making it harder for cash-burning micro-caps to secure scale-up funding.
Q1 total loan disbursals reached ₹3,028 crore, with Digital Business disbursals growing 245% YoY to ₹714 crore.
No — 5-year free cash flow is deeply negative at ₹-33.28 crore despite reported paper profits.
Monitor the digital mix ratio and cash flow metrics. If ZAP sustains triple-digit growth without expanding negative cash flow, a re-rating is likely.
Primary Thesis Risk
A pure liquidity trap masquerading as a fintech disruptor if digital growth fails to materialize into actual free cash flow.
For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
Finbud Financial Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
Cash left after capex over 5 years. Positive = self-funded growth
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Finbud Financial Fundamental Analysis & Valuation Benchmarking
Educational evaluation of FINBUD across key market metrics for learning purposes.
Positive Indicators
6 factors identified
Strong Return on Equity (15.39%)
Observation: Efficient use of shareholders' capital generating superior returns.
Analysis: ROE >15% indicates strong profitability and effective management. This metric suggests the company can generate substantial returns on invested capital.
Excellent ROCE Performance (17.82%)
Observation: Superior returns on capital employed across business operations.
Analysis: ROCE >15% demonstrates efficient capital deployment and strong operational performance.
Attractive Valuation (P/E: 20.79 vs Industry: 54.18)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity.
Conservative Debt Levels (D/E: 0.20)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns.
Strong Interest Coverage (7.11x)
Observation: Earnings comfortably cover interest obligations.
Analysis: Interest coverage >5x indicates low financial distress risk.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
3 factors identified
Negative Free Cash Flow (₹-33.28 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
Limited Institutional Interest (FII+DII: 6.63%)
Observation: Low institutional participation may affect liquidity.
Analysis: Limited institutional interest may indicate size constraints or visibility issues.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
Finbud Financial vs Financial Technology (Fintech) Peers
Peer Comparison -
Compare Finbud Financial with 10 other companies in the same sector
| Company Info | Fundamental | Valuation | Profitability | Financial Health | Growth | Dividend | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Company Company name | Score Bull Run comprehensive fundamental score based on 20+ metrics | Price Current trading price of the stock | Market Cap Total value of all shares in the market | P/E Price per share divided by earnings per share | ROE Net income divided by shareholder equity | ROCE Earnings before interest and tax divided by capital employed | Debt/Eq Total debt divided by total equity | Profit 5Y Average annual profit growth over 5 years | Sales 5Y Average annual sales growth over 5 years | Dividend Annual dividend per share divided by price per share |
29.2/100 | ₹127.15₹127 | ₹242.22₹242.22 | 20.79Average 20.8 Average | 15.39%Good 15.39% Good | 17.82%Good 17.82% Good | 0.20Excellent 0.2 Excellent | — — | — — | 0.00% | |
One 97 Communications LtdOne 97 Communic... PAYTM • 543396 | 47.5/100 | ₹1343.00₹1343 | ₹87610.75₹87610.75 | 120.11Average 120.1 Average | 4.70%Poor 4.70% Poor | 5.01%Poor 5.01% Poor | 0.01Excellent 0.0 Excellent | 19.50%Excellent 19.50% Excellent | 24.67%Excellent 24.67% Excellent | 0.00% |
Pb Fintech LtdPb Fintech Ltd... POLICYBZR • 543390 | 53.2/100 | ₹1601.50₹1602 | ₹74521.38₹74521.38 | 111.24Average 111.2 Average | 9.75%Poor 9.75% Poor | 10.31%Average 10.31% Average | 0.05Excellent 0.1 Excellent | 41.91%Excellent 41.91% Excellent | 50.27%Excellent 50.27% Excellent | 0.00% |
Pine LabsPine Labs... PINELABS • 544606 | 45.6/100 | ₹138.97₹139 | ₹18140.95₹18140.95 | 157.93Average 157.9 Average | 2.46%Poor 2.46% Poor | 4.16%Poor 4.16% Poor | 0.07Excellent 0.1 Excellent | 32.29%Excellent 32.29% Excellent | 32.25%Excellent 32.25% Excellent | 0.00% |
Seshaasai Tech.Seshaasai Tech.... STYL • 544533 | 74.8/100 | ₹346.15₹346 | ₹6459.74₹6459.74 | 26.50Average 26.5 Average | 23.57%Excellent 23.57% Excellent | 27.98%Excellent 27.98% Excellent | 0.06Excellent 0.1 Excellent | 84.54%Excellent 84.54% Excellent | 31.29%Excellent 31.29% Excellent | 0.00% |
Infibeam Avenues LtdInfibeam Avenue... INFIBEAM • 539807 | 65.4/100 | ₹14.35₹14 | ₹6205.55₹6205.55 | 22.02Average 22.0 Average | 6.64%Poor 6.64% Poor | 7.71%Poor 7.71% Poor | 0.09Excellent 0.1 Excellent | 31.26%Excellent 31.26% Excellent | 64.39%Excellent 64.39% Excellent | 0.00% |
69.2/100 | ₹1525.60₹1526 | ₹3342.10₹3342.10 | 81.85Average 81.8 Average | 15.01%Good 15.01% Good | 19.67%Good 19.67% Good | 0.03Excellent 0.0 Excellent | 106.78%Excellent 106.78% Excellent | 66.26%Excellent 66.26% Excellent | 0.13% | |
One Mobikwik Systems LtdOne Mobikwik Sy... MOBIKWIK • 544305 | 24.9/100 | ₹205.21₹205 | ₹1770.19₹1770.19 | — — | -8.26%Poor -8.26% Poor | -2.24%Poor -2.24% Poor | 0.51Good 0.5 Good | 9.61%Good 9.61% Good | 31.14%Excellent 31.14% Excellent | 0.00% |
25.4/100 | ₹11.00₹11 | ₹356.56₹356.56 | 19.81Average 19.8 Average | 18.66%Good 18.66% Good | 19.50%Good 19.50% Good | 0.67Good 0.7 Good | — — | — — | 0.00% | |
Wsfx Global Pay LtdWsfx Global Pay... WSFX • 511147 | 77.7/100 | ₹61.50₹62 | ₹76.75₹76.75 | 12.50Average 12.5 Average | 15.80%Good 15.80% Good | 18.17%Good 18.17% Good | 0.41Excellent 0.4 Excellent | 28.76%Excellent 28.76% Excellent | 38.75%Excellent 38.75% Excellent | 2.48% |
Suvidhaa Infoserve Private LimitedSuvidhaa Infose... SUVIDHAA • 543281 | 12.6/100 | ₹2.55₹3 | ₹53.29₹53.29 | — — | -31.34%Poor -31.34% Poor | -28.03%Poor -28.03% Poor | 0.05Excellent 0.1 Excellent | — — | -49.58%Poor -49.58% Poor | 0.00% |
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Finbud Financial Quarterly Performance
Latest quarterly metrics for FINBUD — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
N/A
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
N/A
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
N/A
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
N/A
Compounded annual net profit growth over 5 years
Finbud Financial Financial Statements
Annual income statement, balance sheet and cash flow for Finbud Financial (FINBUD) — sourced from NSE/BSE filings.
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About FINBUD (Finbud Financial)
Finbud Financial (FINBUD) is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) of India. The company operates in the Financial Technology (Fintech) sector... with a current market capitalisation of ₹242.22 (Cr). Finbud Financial has delivered a Return on Equity (ROE) of 15.39% and a ROCE of 17.82%. The debt-to-equity ratio stands at 0.20, reflecting the company's capital structure. Investors tracking FINBUD share price can monitor key metrics including P/E ratio, promoter holding of 48.25%, and quarterly earnings growth.
Company Details
FINBUD Share Price: Frequently Asked Questions
What is the current share price of Finbud Financial?
Finbud Financial (FINBUD) trades at ₹127.15 on NSE. Market cap ₹242.22 (Cr). Educational data only.
What is the P/E ratio of Finbud Financial?
Finbud Financial has a P/E of 20.79x vs industry average 54.18x.
What is the Bull Run score for Finbud Financial?
Finbud Financial has a Bull Run score of 29.2/100 based on 25+ financial parameters.
Does Finbud Financial pay dividends?
Finbud Financial has a dividend yield of 0.00%. Past dividends don't guarantee future payments.
What is the ROE of Finbud Financial?
Finbud Financial has ROE of 15.39%. Higher ROE indicates better use of shareholder equity.
What is the debt-to-equity ratio of Finbud Financial?
Finbud Financial has debt-to-equity of 0.20.
Is Finbud Financial a good investment?
Bull Run gives Finbud Financial a score of 29.2/100. This is not investment advice — consult a SEBI-registered advisor.