Kreon Finnancial Services Limited
BSE: KREONFIN · Non Banking Financial Company (NBFC)
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Snapshot
Unlock Kreon Finnancial Services Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Kreon Finnancial Services Limited is an Indian non-banking financial company that specialises in fintech and digital lending. The company provides short-term credit solutions and personal loans to underserved segments, such as students and young professionals, through its proprietary platform, StuCred.
Business Model
The company operates a digital-first lending model, utilising a mobile application to facilitate instant credit delivery and loan disbursement. It generates revenue by providing small-ticket financial products, leveraging proprietary technology for credit assessment and risk management.
Management Commentary
Management focuses on expanding the company's digital footprint and refining credit scoring algorithms to effectively manage risk within its niche consumer lending portfolio.
Growth Outlook
Growth is driven by the continued expansion of the StuCred platform and the increasing demand for instant credit solutions among young professionals and students. The company aims to bridge gaps in the traditional banking ecosystem by enhancing its technological capabilities.
Key Risks
- Credit Risk. The company faces potential losses if its target demographic of students and young professionals defaults on short-term personal loans.
- Regulatory Risk. As an NBFC, the company is subject to evolving Reserve Bank of India regulations regarding digital lending and consumer protection.
- Technology Risk. Reliance on a proprietary digital platform exposes the company to cybersecurity threats and potential system failures that could disrupt operations.
- Market Competition. The fintech sector is highly competitive, with numerous players vying for market share in the small-ticket digital lending space.
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Key Metrics
REVENUE
₹40 Cr
TTM · standalone
NET PROFIT
₹7 Cr
TTM · standalone
EPS
₹3.59
TTM · standalone
RETURN ON EQUITY
22.5%
TTM · standalone
P/E
22.3x
Q4 FY26 · standalone
NET PROFIT MARGIN
3.5%
Q4 FY26 · standalone
Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Kreon Finnancial Services LimitedKREONFIN | ₹170 Cr | 23.37 | — | 71.4% | — | 22.5% | — | +111.2% |
Purple FinancePURPLEFIN | ₹433 Cr | -367.50 | — | 204.7% | — | -1.2% | — | +102.3% |
Akme Fintrade (India) LimitedAFIL | ₹401 Cr | 9.04 | — | 40.5% | — | 11.0% | — | +35.4% |
Moneyboxx Finance LimitedMONEYBOXX | ₹398 Cr | 237.38 | — | 5.9% | — | 0.5% | — | -57.2% |
Muthoot Capital Services LimitedMUTHOOTCAP | ₹395 Cr | 16.50 | — | 22.0% | — | 3.6% | — | -12.6% |
Avonmore Capital & Management Services LimitedAVONMORE | ₹392 Cr | 25.74 | — | 11.4% | — | 8.3% | — | -27.6% |
As of Q4 FY26
Financials
Kreon Finnancial Services Limited
BSE: KREONFIN · Non Banking Financial Company (NBFC)
Limited coverage
We are not actively covering this company or have limited coverage today. Click to request coverage.
Snapshot
Unlock Kreon Finnancial Services Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Kreon Finnancial Services Limited is an Indian non-banking financial company that specialises in fintech and digital lending. The company provides short-term credit solutions and personal loans to underserved segments, such as students and young professionals, through its proprietary platform, StuCred.
Business Model
The company operates a digital-first lending model, utilising a mobile application to facilitate instant credit delivery and loan disbursement. It generates revenue by providing small-ticket financial products, leveraging proprietary technology for credit assessment and risk management.
Management Commentary
Management focuses on expanding the company's digital footprint and refining credit scoring algorithms to effectively manage risk within its niche consumer lending portfolio.
Growth Outlook
Growth is driven by the continued expansion of the StuCred platform and the increasing demand for instant credit solutions among young professionals and students. The company aims to bridge gaps in the traditional banking ecosystem by enhancing its technological capabilities.
Key Risks
- Credit Risk. The company faces potential losses if its target demographic of students and young professionals defaults on short-term personal loans.
- Regulatory Risk. As an NBFC, the company is subject to evolving Reserve Bank of India regulations regarding digital lending and consumer protection.
- Technology Risk. Reliance on a proprietary digital platform exposes the company to cybersecurity threats and potential system failures that could disrupt operations.
- Market Competition. The fintech sector is highly competitive, with numerous players vying for market share in the small-ticket digital lending space.
Start your research today
Unlock AI insights, financials, peers and live data on Kreon Finnancial Services Limited and 5,000+ companies — free.
Key Metrics
REVENUE
₹40 Cr
TTM · standalone
NET PROFIT
₹7 Cr
TTM · standalone
EPS
₹3.59
TTM · standalone
RETURN ON EQUITY
22.5%
TTM · standalone
P/E
22.3x
Q4 FY26 · standalone
NET PROFIT MARGIN
3.5%
Q4 FY26 · standalone
Peers · Non Banking Financial Company (NBFC)
As of Q4 FY26