Finbud Financial Services (NSE:FINBUD) Operating Income: ₹136 Mil (TTM As of Mar. 2026)

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NSE:FINBUD Finbud Financial Services Ltd NSE:FINBUD
19 GF Score
Price ₹131.95
! 2 Warning Signs
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What is Finbud Financial Services Operating Income?

Finbud Financial Services NSE:FINBUD +1.11% 19 Operating Income is ₹136 Mil as of Mar. 2026. GuruFocus rates NSE:FINBUD with a GF Score™ of 19/100. The stock has 2 warning signs investors should review.

Finbud Financial Services's Operating Income for the six months ended in Mar. 2026 was ₹136 Mil. Its Operating Income for the trailing twelve months (TTM) ended in Mar. 2026 was ₹136 Mil.

Operating Margin % is calculated as Operating Income divided by its Revenue. Finbud Financial Services's Operating Income for the six months ended in Mar. 2026 was ₹136 Mil. Finbud Financial Services's Revenue for the six months ended in Mar. 2026 was ₹3,161 Mil. Therefore, Finbud Financial Services's Operating Margin % for the quarter that ended in Mar. 2026 was 4.29%.

Finbud Financial Services's 5-Year average Growth Rate for Operating Margin % was 0.00% per year.

Operating Income or EBIT is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Finbud Financial Services's annualized ROC % for the quarter that ended in Mar. 2026 was 14.73%. Finbud Financial Services's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 34.42%.

Finbud Financial Services  (NSE:FINBUD) Operating Income Explanation

1. Operating Income or EBIT is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Finbud Financial Services's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Mar. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=135.545 * ( 1 - 23.98% )/( (545.121 + 853.926)/ 2 )
=103.041309/699.5235
=14.73 %

where

Invested Capital(Q: Mar. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=689.322 - 63.346 - ( 80.855 - max(0, 280.042 - 620.558+80.855))
=545.121

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=1670.099 - 115.413 - ( 700.76 - max(0, 425.93 - 1528.832+700.76))
=853.926

Note: The Operating Income data used here is one times the annual (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

Finbud Financial Services's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Mar. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Mar. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=135.545/( ( (25.895 + max(389.832, 0)) + (47.05 + max(324.78, 0)) )/ 2 )
=135.545/( ( 415.727 + 371.83 )/ 2 )
=135.545/393.7785
=34.42 %

where Working Capital is:

Working Capital(Q: Mar. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(351.406 + 0 + 167.373) - (63.346 + 0 + 65.601)
=389.832

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(443.628 + 0 + 76.941) - (115.413 + 0 + 80.376)
=324.78

When net working capital is negative, 0 is used.

Note: The EBIT data used here is one times the annual (Mar. 2026) EBIT data.

3. Operating Income is also linked to Operating Margin %:

Finbud Financial Services's Operating Margin % for the quarter that ended in Mar. 2026 is calculated as:

Operating Margin %=Operating Income (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=135.545/3161.028
=4.29 %

* 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.

4. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Operating Income growth rate using Operating Income per share data.

Be Aware

Compared with a company's EBITDA margin, Operating Margin can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).

If a company is facing competition, its Operating Margin may decline. Often the Operating Margin declines well before the company's revenue or even profit decline. Therefore, Operating Margin is a very important indicator of whether the company is facing problems.

For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokia's Operating Margin had already been in decline since 2002, although its earnings per share were still rising. Investors who paid attention to Operating Margin would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).

Therefore, Operating Margin is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.

Finbud Financial Services Operating Income Related Terms

Finbud Financial Services Operating Income Historical Data

* Premium members only.

The historical data trend for Finbud Financial Services's Operating Income 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 Operating Income Chart

Finbud Financial Services Annual Data
Trend Mar23 Mar24 Mar25 Mar26
Operating Income
23.43 79.85 115.73 135.55

Finbud Financial Services Semi-Annual Data
Mar23 Mar24 Mar25 Mar26
Operating Income 23.43 79.85 115.73 135.55
NSE:FINBUD
19GF Score
Finbud Financial Services Ltd NSE:FINBUD
Operating Income is just one metric. See GF Score™, valuation, warning signs, and more.
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Finbud Financial Services Operating Income Calculation

Operating Income, is the profit a company earned through operations. All expenses, including cash expenses such as cost of goods sold (COGS), research & development, wages, and non-cash expenses, such as depreciation, depletion and amortization, have been deducted from the sales.

For stock reported annually, GuruFocus uses latest annual data as the TTM data. Operating Income for the trailing twelve months (TTM) ended in Mar. 2026 was ₹136 Mil.

* 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.

Frequently Asked Questions Learn more about Operating Income →
What does a Operating Income of ₹136 Mil mean?
Finbud Financial Services (NSE:FINBUD) has a Operating Income of ₹136 Mil as of Mar. 2026. Operating Income equals sales less all operating expenses. It is linked to EBIT. View historical data on Finbud Financial Services and its competitors.
Is Finbud Financial Services' Operating Income too high?
Finbud Financial Services' current Operating Income is ₹136 Mil. 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' Operating Income compare to V and MA?
Finbud Financial Services' Operating Income of ₹136 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Operating Income for a Credit Services company?
A good Operating Income depends on the Credit Services industry context. However, Operating Income 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 Operating Income mean?
A high Operating Income can signal that a stock is expensive relative to its fundamentals. Operating Income equals sales less all operating expenses. It is linked to EBIT. View historical data on Finbud Financial Services and its competitors. Finbud Financial Services's current Operating Income is ₹136 Mil. 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 Operating Income of ₹136 Mil. The current Operating Income is ₹136 Mil. 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 Operating Income calculated?
Operating Income is calculated from a company's financial statements. For Finbud Financial Services (NSE:FINBUD), the current Operating Income is ₹136 Mil 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 Business Description

Address LIC Colony, 10th Sector, Ground Floor, 1st Floor, 2nd Floor, 3rd Floor, P-65, 7th Main Jeevan Bhima Nagar, Bangalore, KA, IND, 560075
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

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Operating Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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