# Fincare Small Finance Bank Limited
**ISIN:** INE519Q01017
**Canonical URL:** https://polemarch.in/invest/fincare-small-finance-bank
**Type:** Unlisted
**Sector:** Financials / Small Finance Bank
**Market cap bucket:** Unspecified
**Current quoted price:** ₹0.00 per share

> This is a plain-text / markdown summary of the Polemarch share-detail page, generated server-side for AI retrieval. The live interactive page at the canonical URL above has the same data plus charts, filters, and buy flow.

## Company profile

## Key ratios (as of FY2023, yearly)
### Liquidity Ratios
- **Working Capital:** 8.4933
- **Current Ratio:** 3.52183853
- **Quick Assets:** 11.861199999999998
- **Quick Ratio:** 3.52183853
- **Cash Ratio:** 1.94299118
- **Working Capital To Sales:** 0.48696764
- **Net Working Capital to Assets:** 0.06812248

### Leverage Ratios
- **Total Debt:** 108.1719
- **Net Debt:** 101.6281
- **Debt to Equity:** 8.23407754
- **Debt to Assets:** 0.86761782
- **Debt To Capital:** 0.89170548
- **Equity Ratio:** 0.10536916
- **Financial Leverage:** 9.4904431
- **Interest Coverage:** 1.19882817
- **EBITDA Interest Coverage:** 1.2315659
- **Net Debt to EBITDA:** 12.62382461
- **Long Term Debt to Equity:** 8.23407754
- **Long Term Debt to Capital:** 0.89170548
- **Debt to EBITDA:** 13.43666853
- **Net Debt to Equity:** 7.73596151

### Profitability Ratios
- **Effective Tax Rate:** 0.20258521
- **NOPAT:** 6.248940986400001
- **Invested Capital:** 114.7652
- **Gross Margin:** 1.12996812
- **EBITDA Margin:** 0.46157948
- **EBIT Margin:** 0.44930968
- **Pre Tax Margin:** 0.07451896
- **Net Margin:** 0.05942252
- **Return on Assets:** 0.00831269
- **Return on Equity:** 0.07889108
- **Return on Capital Employed:** 0.06459949
- **Return On Invested Capital:** 0.05444979
- **Pre-Tax ROE:** 0.09893355
- **Cash ROA:** -0.00449642
- **Return on Net Assets:** 0.00854347
- **Operating ROA:** 0.06285447

### Efficiency Ratios
- **Asset Turnover:** 0.13989119
- **Fixed Asset Turnover:** 30.97353934
- **Working Capital Turnover:** 2.05352454
- **Equity Turnover:** 1.32762939
- **Capital Employed Turnover:** 0.14377499

### Cashflow Ratios
- **Operating Cash Flow to Sales:** -0.03214228
- **Operating Cash Flow to Net Income:** -0.54091085
- **Free Cash Flow:** -0.2059
- **Free Cash Flow Margin:** -0.01180538
- **Cash Flow to Debt:** -0.00518249
- **FCF to Net Income:** -0.19866847
- **Capital Expenditure:** -0.3547
- **Capex to Sales:** -0.0203369
- **Capex to Operating Cashflow:** 0.63271495
- **Dividend Payout Ratio:** 0
- **Retention Ratio:** 1

### Valuation Models
- **Shares Outstanding:** 22.08
- **Market Cap:** 0
- **Enterprise Value:** 101.6281
- **P/E Ratio:** 0
- **P/B Ratio:** 0
- **P/S Ratio:** 0
- **EV / EBITDA:** 12.62382461
- **EV / Sales:** 5.82689838
- **EV / EBIT:** 12.96855739
- **Price / Operating Cash Flow:** 0
- **EV to FCF:** -493.57989315
- **EV to Assets:** 0.81513175
- **EV to Capital Employed:** 0.83776224
- **EV to Invested Capital:** 0.88553063

### Per Share Metrics
- **EPS (Basic):** 4.69384058
- **Book Value per Share:** 59.49773551
- **Sales per Share:** 78.99094203
- **Operating Cash Flow per Share:** -2.53894928
- **Free Cash Flow per Share:** -0.93251812
- **Cash per Share:** 29.63677536
- **EBITDA per Share:** 36.46059783
- **EBIT per Share:** 35.49139493

### DuPont Analysis
- **DuPont: Tax Burden:** 0.79741479
- **DuPont: Interest Burden:** 0.1658521
- **DuPont: EBIT Margin:** 0.44930968
- **DuPont: Asset Turnover:** 0.13989119
- **DuPont: Equity Multiplier:** 9.4904431
- **DuPont ROE (5-step):** 0.07889108

### Earnings Quality
- **Accruals to Assets:** 0.01280911
- **Accruals to Net Income:** 1.54091085
- **Cash Earnings Coverage:** -0.54091085
- **Capex to Depreciation:** -1.65747664

## Recent price points (last 10)

| Date | Price (₹) |
|---|---:|
| 2026-06-01 | 85.73 |
| 2026-06-02 | 85.73 |
| 2026-06-04 | 85.73 |
| 2026-06-05 | 85.73 |
| 2026-06-06 | 85.73 |
| 2026-06-08 | 85.73 |
| 2026-06-09 | 85.73 |
| 2026-06-11 | 85.73 |
| 2026-06-12 | 85.73 |
| 2026-06-14 | 85.73 |

---
## Risk disclosure

Unlisted shares are illiquid and can lose their full value. They're illiquid, prices can swing sharply, and a quoted price is only as good as the next willing buyer at that level. Polemarch does not guarantee any return on any share. Talk to a SEBI-registered investment adviser before you put money in. Past performance is not a forecast of future returns.

Canonical (live): https://polemarch.in/invest/fincare-small-finance-bank
Operator: Mithtech Innovative Solutions Pvt Ltd, Bengaluru, India.