Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
In calculating the Net-Net Working Capital (NNWC), Benjamin Graham assumed that a company's accounts receivable is only worth 75% its value, its inventory is only worth 50% of its value, but its liabilities have to be paid in full. In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. This is a conservative way of estimating the company's value.
Finbud Financial Services's Net-Net Working Capital for the quarter that ended in Mar. 2026 was ₹27.17.
The industry rank for Finbud Financial Services's Net-Net Working Capital or its related term are showing as below:
NSE:FINBUD's Price-to-Net-Net-Working-Capital is ranked better than 53.75% of 80
companies
in the Credit Services industry
Industry Median: 6.215
vs NSE:FINBUD: 4.86
Finbud Financial Services (NSE:FINBUD) Net-Net Working Capital Explanation
One research study, covering the years 1970 through 1983 showed that portfolios picked at the beginning of each year, and held for one year, returned 29.4 percent, on average, over the 13-year period, compared to 11.5 percent for the S&P 500 Index. Other studies of Graham's strategy produced similar results.
Benjamin Graham looked for companies whose market values were less than two-thirds of their net-net value. They are collected under our Net-Net screener.
Finbud Financial Services Net-Net Working Capital Related Terms
Finbud Financial Services Net-Net Working Capital Historical Data
* Premium members only.
The historical data trend for Finbud Financial Services's Net-Net Working Capital can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Finbud Financial Services Net-Net Working Capital Chart
Finbud Financial Services Annual Data
Trend
Mar23
Mar24
Mar25
Mar26
Net-Net Working Capital
-3.91
-5.41
0.78
27.17
Finbud Financial Services Semi-Annual Data
Mar23
Mar24
Mar25
Mar26
Net-Net Working Capital
-3.91
-5.41
0.78
27.17
NSE:FINBUD vs V, MA, AXP: Net-Net Working Capital Comparison
For the Credit Services subindustry, Finbud Financial Services's Price-to-Net-Net-Working-Capital, along with its competitors' market caps and Price-to-Net-Net-Working-Capital data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Finbud Financial Services Price-to-Net-Net-Working-Capital vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Finbud Financial Services's Price-to-Net-Net-Working-Capital distribution charts can be found below:
* The bar in red indicates where Finbud Financial Services's Price-to-Net-Net-Working-Capital falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In calculating the Net-Net Working Capital (NNWC), Benjamin Graham assumed that a company's accounts receivable is only worth 75% its value, its inventory is only worth 50% of its value, but its liabilities have to be paid in full.
In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. In "Security Analysis", preferred stock is dubbed "an imperfect creditorship position" that is best placed on the balance sheet alongside funded debt.
This is a conservative way of estimating the company's value.
What does a Net-Net Working Capital of ₹27.17 mean?
Finbud Financial Services (NSE:FINBUD) has a Net-Net Working Capital of ₹27.17 as of Mar. 2026. Ben Graham defined net-net working capital as the per-share sum of cash, 75% of receivables and 50% of inventory less total liabilities. View historical data on Finbud Financial Services According to the industry distribution chart, Finbud Financial Services ranks #37 out of 80 companies in the Credit Services industry, placing it in the top 46.2%.
Is Finbud Financial Services' Net-Net Working Capital too high?
Finbud Financial Services' current Net-Net Working Capital is ₹27.17. Based on the distribution chart, Finbud Financial Services ranks #37 out of 80 companies in the Credit Services industry, which is above the industry midpoint. Overall, Finbud Financial Services has a GF Score™ of 19/100, reflecting its overall financial health beyond just this single metric.
How does Finbud Financial Services' Net-Net Working Capital compare to V and MA?
According to the Credit Services industry distribution chart, Finbud Financial Services ranks #37 out of 80 companies for Net-Net Working Capital. This puts Finbud Financial Services in the upper half of its industry. The industry median Net-Net Working Capital is 6.22. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net-Net Working Capital for a Credit Services company?
The median Net-Net Working Capital among Credit Services companies is 6.22, based on 80 companies in the industry. Companies in the top quartile (top 25%) have a Net-Net Working Capital significantly above this median, while those in the bottom quartile fall well below. However, Net-Net Working Capital should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net-Net Working Capital mean?
A high Net-Net Working Capital can signal that a stock is expensive relative to its fundamentals. Ben Graham defined net-net working capital as the per-share sum of cash, 75% of receivables and 50% of inventory less total liabilities. View historical data on Finbud Financial Services For the Credit Services industry, the median Net-Net Working Capital is 6.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Finbud Financial Services's current Net-Net Working Capital is ₹27.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finbud Financial Services stock overvalued right now?
Finbud Financial Services (NSE:FINBUD) has a current Net-Net Working Capital of ₹27.17. The current Net-Net Working Capital is ₹27.17. Finbud Financial Services' overall GF Score™ is 19/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net-Net Working Capital calculated?
Net-Net Working Capital is calculated from a company's financial statements. For Finbud Financial Services (NSE:FINBUD), the current Net-Net Working Capital is ₹27.17 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Finbud Financial Services Ltd is engaged in the business of financial advisory, brokerage, and consultancy services, operating as a retail loan aggregation platform in India that helps people obtain personal, business, and home loans from banks and non-banking financial companies. The company acquires customers through a hybrid strategy using digital marketing and a wide network of external agents, and earns a commission from lenders upon loan disbursement. Its hybrid business model includes conventional lending through the Agent channel and digital lending through the Digital Channel, supported by partnerships with a wide network of lenders to offer tailored loan solutions that meet diverse customer needs.
19GF Score
Get the complete analysis for NSE:FINBUD
Net-Net Working Capital is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSE:FINBUD has been successfully added to your 
