WEBSITE BSE:534063 NSE: FUT SOL Inc. Year: 1983 Industry: Finance - NBFC My Bucket: Add Stock
Last updated: 10:30
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1. Business Overview
Futuristic Solutions Ltd. (FUT SOL) operates as a Non-Banking Financial Company (NBFC) in India. Its core business model involves providing various financial services, primarily extending credit and loans to individuals, businesses, or specific sectors, without holding a full banking license. The company generates revenue predominantly through interest income earned on its loan portfolio, which includes the spread between its lending rates and its cost of funds. It may also derive income from fees for financial services rendered.
2. Key Segments / Revenue Mix
Specific key segments or revenue contribution percentages for Futuristic Solutions Ltd. are not provided. Typically, NBFCs in India might specialize in or have segments such as retail loans (personal loans, vehicle finance, consumer durable loans), small and medium enterprise (SME) loans, housing finance, asset finance, or corporate loans. Without further information, the exact mix for FUT SOL remains unknown.
3. Industry & Positioning
Futuristic Solutions Ltd. operates within India's diverse and competitive Finance - NBFC industry. This sector is characterized by a wide range of players, from large, diversified NBFCs to niche specialists. The industry is regulated by the Reserve Bank of India (RBI). Without details on FUT SOL's asset size, market share, specific target customer base, or geographic focus, its precise positioning relative to peers (e.g., market leader, niche player, emerging challenger) cannot be determined.
4. Competitive Advantage (Moat)
Specific competitive advantages for Futuristic Solutions Ltd. are not explicitly available. Potential moats for an NBFC could include a strong brand reputation in a specific lending segment, a wide and efficient distribution network (especially in underserved areas), specialized underwriting expertise for niche asset classes, a low cost of funds (though often less pronounced for NBFCs compared to banks), or high customer switching costs for certain types of loans. Whether FUT SOL possesses any of these durable advantages is unknown.
5. Growth Drivers
Key factors that could drive growth for Futuristic Solutions Ltd. over the next 3-5 years, aligned with the broader Indian NBFC sector, include:
Economic Growth: Sustained growth in the Indian economy leading to increased demand for credit from consumers and businesses.
Financial Inclusion: Expansion into underserved or unbanked segments and geographies.
Digital Adoption: Leveraging technology for customer acquisition, loan origination, and efficient servicing.
Increasing Credit Demand: Rising aspirations and consumption contributing to higher demand for retail and SME loans.
Product Innovation: Introduction of new and customized financial products to meet evolving market needs.
6. Risks
Key business risks for Futuristic Solutions Ltd., typical of the NBFC industry in India, include:
Credit Risk: Potential for non-performing assets (NPAs) due to borrower defaults, impacting asset quality and profitability.
Liquidity Risk: Dependence on market borrowings for funds, making it susceptible to interest rate fluctuations and access to capital market funding.
Regulatory Changes: Changes in RBI policies regarding capital adequacy, asset classification, provisioning norms, or lending practices.
Competition: Intense competition from banks, other NBFCs, and emerging FinTech players, potentially squeezing margins.
Economic Downturn: A slowdown in the economy or specific sectors can adversely affect borrower repayment capacity.
7. Management & Ownership
Specific details regarding the promoters, management quality, or ownership structure of Futuristic Solutions Ltd. are not provided. In many Indian companies, the promoter group plays a significant role in strategic direction and ownership. A strong, experienced, and ethical management team with robust corporate governance practices is crucial for an NBFC's long-term success.
8. Outlook
The outlook for Futuristic Solutions Ltd., as an Indian NBFC, presents a balanced view. On the bullish side, the company could benefit from India's robust economic growth projections and the rising demand for credit, particularly in underserved segments. Effective risk management, technological adoption, and a focused lending strategy could drive sustainable growth and profitability.
Conversely, the company faces inherent risks such as potential asset quality deterioration in economic downturns, intense competition, and liquidity challenges in tight credit markets. Regulatory changes and their impact on operational flexibility and compliance costs also present a continuous challenge. The actual performance will hinge on FUT SOL's specific lending portfolio, its ability to manage credit and liquidity risks effectively, and its operational efficiency amidst a dynamic financial landscape.
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Market Cap ₹38 Cr.
Stock P/E -630.1
P/B 2.4
Current Price ₹36.6
Book Value ₹ 15.3
Face Value 10
52W High ₹64.5
Dividend Yield 0%
52W Low ₹ 33.3
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 1 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 5 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Income | 1 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 6 |
| Total Expenditure | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5 |
| Operating Profit | -0 | 2 | -0 | 0 | -0 | -0 | -0 | -0 | 1 | 0 |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | -0 | 2 | -0 | 0 | -0 | -0 | -0 | -0 | 1 | 0 |
| Provision for Tax | 0 | 1 | 0 | -0 | 0 | 0 | 0 | -0 | 0 | 0 |
| Profit After Tax | -0 | 1 | -0 | 0 | -0 | -0 | -0 | -0 | 1 | 0 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 |
| Profit After Adjustments | -0 | 1 | -0 | 0 | -0 | -0 | -0 | -0 | 1 | 0 |
| Adjusted Earnings Per Share | -0 | 1.2 | -0.1 | 0.1 | -0 | -0 | -0 | -0 | 0.5 | 0.2 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 5 | 4 | 2 | 0 | 4 | 0 | 1 | 0 | 4 | 3 | 0 | 6 |
| Other Income | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 |
| Total Income | 5 | 4 | 2 | 1 | 4 | 0 | 1 | 0 | 4 | 4 | 1 | 7 |
| Total Expenditure | 3 | 2 | 1 | 1 | 3 | 1 | 0 | 0 | 0 | 1 | 1 | 5 |
| Operating Profit | 2 | 2 | 1 | -1 | 1 | -0 | 0 | 0 | 3 | 2 | -0 | 1 |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 2 | 1 | 1 | -1 | 1 | -1 | -0 | -0 | 3 | 2 | -0 | 1 |
| Provision for Tax | 0 | 0 | 0 | 0 | -0 | 0 | 0 | -0 | 1 | 1 | 0 | 0 |
| Profit After Tax | 1 | 1 | 0 | -1 | 1 | -1 | -0 | -0 | 3 | 1 | -0 | 1 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 1 | 1 | 0 | -1 | 1 | -1 | -0 | -0 | 3 | 1 | -0 | 1 |
| Adjusted Earnings Per Share | 1.2 | 0.9 | 0.5 | -0.9 | 0.6 | -0.8 | -0 | -0 | 2.6 | 1.3 | -0.1 | 0.7 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | -100% | 0% | 0% | -100% |
| Operating Profit CAGR | -100% | 0% | 0% | -100% |
| PAT CAGR | -100% | 0% | 0% | -100% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -33% | -0% | 8% | -4% |
| ROE Average | -0% | 9% | 5% | 3% |
| ROCE Average | -0% | 12% | 8% | 6% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 14 | 15 | 15 | 14 | 14 | 13 | 13 | 13 | 15 | 15 | 15 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Liability | 4 | 5 | 5 | 1 | 2 | 5 | 0 | 3 | 2 | 2 | 1 |
| Other Liabilities & Provisions | -0 | -0 | -0 | 3 | 3 | -0 | 3 | -0 | -0 | -0 | -0 |
| Total Liabilities | 19 | 19 | 19 | 18 | 19 | 18 | 17 | 17 | 17 | 17 | 16 |
| Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Fixed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Loans | 2 | 1 | 6 | 8 | 8 | 0 | 8 | 6 | 3 | 3 | 3 |
| Other Non Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Assets | 16 | 18 | 13 | 9 | 10 | 17 | 8 | 10 | 13 | 13 | 11 |
| Total Assets | 19 | 19 | 19 | 18 | 19 | 18 | 17 | 17 | 17 | 17 | 16 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 4 | 7 | 7 |
| Cash Flow from Operating Activities | 2 | 0 | 1 | 1 | -0 | -0 | 4 | 2 | 3 | 1 | 0 |
| Cash Flow from Investing Activities | -0 | -0 | -0 | -0 | -0 | 0 | 0 | 0 | -0 | -1 | -1 |
| Cash Flow from Financing Activities | -2 | -0 | -1 | -1 | 0 | 0 | -2 | -0 | -0 | -0 | 0 |
| Net Cash Inflow / Outflow | 0 | -0 | -0 | 0 | -0 | -0 | 2 | 2 | 3 | -0 | 0 |
| Closing Cash & Cash Equivalent | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 4 | 7 | 7 | 7 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 1.15 | 0.92 | 0.48 | -0.92 | 0.56 | -0.78 | -0.02 | -0.03 | 2.55 | 1.35 | -0.06 |
| CEPS(Rs) | 1.19 | 0.96 | 0.54 | -0.83 | 0.64 | -0.7 | 0.01 | 0.02 | 2.59 | 1.36 | -0.05 |
| DPS(Rs) | 0.5 | 0.5 | 0.5 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 |
| Book NAV/Share(Rs) | 13.73 | 14.05 | 13.93 | 13.01 | 13.57 | 12.78 | 12.76 | 12.73 | 14.28 | 14.63 | 14.58 |
| Net Profit Margin | 23.99 | 25.96 | 23.59 | -330.57 | 14.85 | -169.9 | -4.25 | -13.56 | 75.07 | 46.48 | -30.66 |
| Operating Margin | 35.98 | 44.9 | 41.98 | -255.1 | 20.51 | -108.88 | 25.86 | -9.52 | 95.06 | 66.68 | -8.31 |
| PBT Margin | 30.91 | 39.02 | 34.77 | -329.18 | 13.96 | -162.64 | -4.25 | -16.45 | 94.87 | 64.89 | -28.05 |
| ROA(%) | 7 | 5.06 | 2.57 | -5.17 | 3.21 | -4.42 | -0.13 | -0.19 | 16.13 | 8.41 | -0.37 |
| ROE(%) | 8.55 | 6.62 | 3.4 | -6.83 | 4.22 | -5.95 | -0.17 | -0.23 | 18.89 | 9.33 | -0.4 |
| ROCE(%) | 11.77 | 10.81 | 5.59 | -4.82 | 5.28 | -3.37 | 0.94 | -0.16 | 23.93 | 13.38 | -0.11 |
| Price/Earnings(x) | 43.33 | 62.7 | 101.74 | 0 | 64.04 | 0 | 0 | 0 | 11.93 | 87.85 | 0 |
| Price/Book(x) | 3.63 | 4.11 | 3.48 | 3.21 | 2.65 | 0 | 1.56 | 2.85 | 2.13 | 8.1 | 4.09 |
| Dividend Yield(%) | 1 | 0.87 | 1.03 | 0 | 0 | 0 | 0 | 0 | 3.28 | 0.84 | 0 |
| EV/Net Sales(x) | 10.5 | 16.56 | 24.64 | 153.8 | 9.92 | 25.79 | 36.38 | 149.88 | 7.06 | 38.64 | 282.74 |
| EV/Core EBITDA(x) | 28.46 | 36 | 54.81 | -69.07 | 43.83 | -28.13 | 114.14 | 1150.1 | 7.34 | 57.74 | -4679.41 |
| Interest Earned Growth(%) | 725.95 | -26.17 | -43.05 | -86.22 | 1257.05 | -87.78 | 8.05 | -56.34 | 1462.48 | -14.65 | -93.47 |
| Net Profit Growth | 333.95 | -20.09 | -48.25 | -293.13 | 160.95 | -239.81 | 97.3 | -39.19 | 8751.13 | -47.15 | -104.31 |
| EPS Growth(%) | 333.97 | -20.09 | -48.25 | -293.13 | 160.95 | -239.81 | 97.29 | -39.15 | 8752.2 | -47.15 | -104.31 |
| Interest Coverage(x) % | 7.09 | 7.64 | 5.82 | -3.44 | 3.13 | -2.03 | 0.86 | -1.37 | 490.58 | 37.19 | -0.42 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 68.49 | 68.49 | 68.49 | 68.49 | 68.49 | 68.49 | 68.49 | 68.49 | 68.49 | 68.49 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 31.51 | 31.51 | 31.51 | 31.51 | 31.51 | 31.51 | 31.51 | 31.51 | 31.51 | 31.51 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0.72 | 0.72 | 0.72 | 0.72 | 0.72 | 0.72 | 0.72 | 0.72 | 0.72 | 0.72 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 0.33 | 0.33 | 0.33 | 0.33 | 0.33 | 0.33 | 0.33 | 0.33 | 0.33 | 0.33 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 1.05 | 1.05 | 1.05 | 1.05 | 1.05 | 1.05 | 1.05 | 1.05 | 1.05 | 1.05 |
* The pros and cons are machine generated.
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