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Finbud Financial IPO

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WEBSITE Inc. Year: 2012 Industry: Finance Term Lending Listed Page

Profile
Issue Size 51.28 Cr
Profile
Price Range 140  to  142 per share
Profile
Min Investment ₹142
Profile
Lot Size 1
Profile
Face Value ₹10
Profile
Draft Prospectus
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Profile
  • Basic Info
  • IPO Tentative Timetable
  • IPO Lot Size
  • Subscription Status
  • Financials
  • Profit & Loss
  • Balance Sheet
  • Cash Flow
  • Ratios
  • Growth Rates
  • Other info

Overview

The Company is uniquely differentiated amongst its competitors by being the only major player to have a hybrid business model –conventional lending i.e., Agent channel and Digital Lending i.e., Digital Channel. As different customer looks for different kind ofsolutions, the company is able to provide the nuance of solutioning that the conventional lending model provides and the speed and ease of delivery that the digital lending model provides to consumers. Conventional or Agent business is the primary & initialcustomer acquisition strategy for the Company, here in this case with its widely distributed agent network the company gets accessto a curated audience of customers where a large part of the preliminary checks is already done on the consumers, thus resulting in higher conversion rates and more optimised model for the lender ecosystem. Once the data of consumer has been processed on the company’s proprietary tech platform and enriched using proprietary and third-party variables, the same is utilised in the future for cross selling/ up selling the customers through the digital lending ecosystem. This is a key differentiating factor compared to most of its peers who either rely on only conventional lending and thus not having a digital arm allowing them to work on customer lifecycle value management or pure digital players who have a high burn in acquiring the first loan from the customers, and struggle to make margins on the business even after multiple years of existence. This unique laddering approach by Finance Buddha makes it a differentiated player in the loan distribution space in the country. Read More

Basic Info

Face Value 10 per share

Price 140  to  142 per share

P/E (x) 23.3

Sales( Cr.) 223

PAT( Cr.) 8

EPS 6.1

Draft Prospectus

Exchange NSE-SME

Promoter

Company Promoters

Parth Pande Vivek Bhatia Parag Agarwal

Pre Issue Share Holding 64.92%

Post Issue Share Holding 47.22%

Listing Details:

Listing Price: 157

Listing Gain: 9.55%

Current Price: 123.2

Gain On Issue: 123.2 | 0%

GMP: 11

GMP %: 7.7 %

IPO Tentative Timetable

Opening Date Nov 06, 2025
Closing Date Nov 10, 2025
Allotment Nov 11, 2025
Refund Nov 12, 2025
Delivery of Shares Nov 12, 2025
Listing Date Nov 13, 2025

IPO Lot Size

Application Lots Shares Amount
Retail (Min) 1 2000 284,000
Retail (Max) -- -- --
S-HNI (Min) 1 2000 284,000
S-HNI (Max) 3 6000 852,000
B-HNI (Min) 4 8000 1,136,000

Objective of the Issue

1. Working Capital Requirement2. Investment In Wholly Owned Subsidiary i.e. LTCV Credit Private Limited3. Funding for Business Development and Marketing Activities4. Prepayment or repayment of a portion of certain outstanding borrowings availed by our Company5. General Corporate Purposes

Issue

Category Nos Bid Bid (x)
QIB 0 4146000 0x
NII 0 6287000 0x
Retail 0 4860000 0x
EMP 0 0 0x
Total 0 15293000 0x

Net Sales (in cr.)

Total Income (in cr.)

Operating Profit (in cr.)

Net Profit (in cr.)

Shareholder Funds (in cr.)

Total Assets (in cr.)

Finbud Financial Profit & Loss

#(Fig in Cr.) Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
Net Sales 88 135 190 223
Other Income 0 0 0 0
Total Income 88 136 190 224
Total Expenditure 86 131 180 209
Operating Profit 2 4 11 15
Interest 1 1 1 1
Depreciation 1 1 1 2
Exceptional Income / Expenses 0 0 0 0
Profit Before Tax 0 2 8 12
Provision for Tax 0 1 2 3
Profit After Tax -0 2 6 8
Adjustments 0 0 0 0
Profit After Adjustments -0 2 6 8
Adjusted Earnings Per Share -0 1.5 4.5 6.1

Finbud Financial Balance Sheet

#(Fig in Cr.) Mar 2022 Mar 2023 Mar 2024 Mar 2025
Shareholder's Funds 4 6 12 36
Minority's Interest 0 0 0 0
Borrowings 4 6 5 3
Other Non-Current Liabilities -0 0 0 0
Total Current Liabilities 16 14 27 28
Total Liabilities 23 27 44 68
Fixed Assets 2 2 2 3
Other Non-Current Assets 0 1 1 3
Total Current Assets 22 24 40 62
Total Assets 23 27 44 68

Finbud Financial Cash Flow

#(Fig in Cr.) Mar 2022 Mar 2023 Mar 2024 Mar 2025
Opening Cash & Cash Equivalents 1 0 2 3
Cash Flow from Operating Activities 2 3 -2 -13
Cash Flow from Investing Activities -1 -1 -2 -1
Cash Flow from Financing Activities -2 1 4 20
Net Cash Inflow / Outflow -1 2 0 6
Closing Cash & Cash Equivalent 0 2 3 8

Finbud Financial Ratios

# Mar 2022 Mar 2023 Mar 2024 Mar 2025
Earnings Per Share (Rs) -0.01 1.45 4.49 6.07
CEPS(Rs) 0.69 2.17 5.64 7.15
DPS(Rs) 0 0 0 0
Book NAV/Share(Rs) 3.41 4.86 9.35 25.7
Core EBITDA Margin(%) 2.32 3.12 5.57 6.57
EBIT Margin(%) 1.35 2.52 4.82 5.99
Pre Tax Margin(%) 0.2 1.8 4.22 5.35
PAT Margin (%) -0.01 1.35 2.97 3.81
Cash Profit Margin (%) 0.99 2.02 3.74 4.49
ROA(%) -0.04 7.34 16.09 15.25
ROE(%) -0.2 35.15 63.13 35.57
ROCE(%) 12.06 29.19 48.63 33.96
Receivable days 49.96 36.92 40.76 50.91
Inventory Days 0 0 0 0
Payable days 0 0 0 0
PER(x) 0 0 0 0
Price/Book(x) 0 0 0 0
Dividend Yield(%) 0 0 0 0
EV/Net Sales(x) 0.06 0.04 0.05 0.11
EV/Core EBITDA(x) 2.55 1.16 0.93 1.64
Net Sales Growth(%) 0 53.74 40.42 17.37
EBIT Growth(%) 0 186.69 168.58 45.61
PAT Growth(%) 0 0 208.63 50.18
EPS Growth(%) 0 0 208.64 35.26
Debt/Equity(x) 1.3 1.21 1.05 0.51
Current Ratio(x) 1.36 1.67 1.5 2.22
Quick Ratio(x) 1.36 1.67 1.5 2.22
Interest Cover(x) 1.17 3.47 7.95 9.46
Total Debt/Mcap(x) 0 0 0 0

Sihora Industries Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 17% 36% 0% 0%
Operating Profit CAGR 36% 96% 0% 0%
PAT CAGR 33% 0% 0% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR NA% NA% NA% NA%
ROE Average 36% 45% 33% 33%
ROCE Average 34% 37% 31% 31%

Company Contact Information

Finbud Financial Services Ltd.

Vivekananda Udaya Bhandarkar

+91 98862 32323

cs@financebuddha.com

IPO Lead Manager(s)

Finbud Financial Services Ltd.

SKI Capital Services Ltd.

Registrar Info

Finbud Financial Services Ltd.

Skyline Financial Services Pvt Ltd

D-153/A, 1st Floor,Okhla Industrial Area, Phase - I, New Delhi - 110020

91-011-26812682/84

91-11-26292681

admin@skylinerta.com

Frequently Asked Questions

All You Need To Know About IPO

When you leave without vesting, generally unvested ESOPs are cancelled. Vested ESOPs usually can be exercised after you depart, often within 3 to 6 months, depending on the company's ESOP plan.

For companies listed on a stock exchange, you can sell the shares any time after you exercise the ESOP option and the shares are in your demat account. If the company is unlisted or otherwise a startup, you can only sell the shares if and when the company announces a buyback or has a process for secondary sales.

Whenever you exercised your options to hold shares, you entered into a market risk situation, and if the valuation of the company drops, so do the shares.

Yes. ESOPs are valuable to the employer in that the employer is able to retain the best talent, align employee interests with company goals, and preserve cash while rewarding performance.

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