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Prices as of 9 Oct 2026 close · Not investment advice

Turtlemint Fintech Solutions Limited

NSE: TURTLEMINTFinancial Technology (Fintech)Short-term ASM stage 1

Share price

₹68.31

-1.75% close of 9 Oct 2026

Market cap ₹2,012 CrP/E —

Price-based ratios (P/B, dividend yield, EV/EBITDA) are as of 8 Oct 2026, the close above is 9 Oct 2026.

Business score

How strong the business is, in one number. The parts behind it are in Pro.

25

out of 100 · worked out 8 Oct 2026

Your ratios

The numbers you want to see first. Tap Edit to change them.

Market cap

₹2,012 Cr

P/E ratio

—

P/B ratio

1.7

ROCE

-35.7%

ROE

-36.5%

Dividend yield

0.0%

Price & valuation chart

How the share price and its valuation have moved. Hover over the chart to see any day. Prices as of the last close.

Prices as of 9 Oct 2026 close52-week high ₹153.6452-week low ₹68.04

Answers

Simple answers to the questions investors ask most, from the company's own numbers.

How fast it has been growing

Fewer than three years of filings — too early to judge growth.

Whether it grew faster than its sector

It grew 36.2% a year against a sector median of 16.0% — 20.3 percentage points faster.

Room to re-rate, or risk of de-rating

It has no earnings, so there is no price-to-earnings to compare.

Whether growth justifies the valuation

It has no earnings to weigh the price against.

Profit growthPrice per ₹1 profitPer 1% growth
Turtlemint Fintech Solutions Limited — this one16%/yr——
One 97 Communications Limited34%/yr129.1×₹3.8
PB Fintech Limited50%/yr62.9×₹1.3
Pine Labs Limited36%/yr144.3×₹4.0
Moneyview Limited34%/yr28.0×₹0.82
Manipal Payment and Identity Solutions Limited—32.9×—

Compared with companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

How it compares with its peers

Against companies the exchange files under the same label (Financial Technology (Fintech)), it ranks 11 of 11 on returns, 3 of 9 on growth, 10 of 11 on margin. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

What makes it hard to beat — and is that still true?

It is losing money on the capital in the business, so there is no advantage to measure.

Whether its growth pays for itself

No — Over the last five years the business itself consumed ₹1112 crore of cash before any plant spend, funded from lenders and shareholders. It has not made a profit over 5 years.

Profit reality check

Is the profit real cash? Simple checks on the accounts. Facts only, not advice.

Not enough filed accounts to run these checks yet.

Latest result · Q1 FY27

What the last results showed. Whether management kept its word is in Pro.

Revenue grew 40% as guided, but the five-year profit targets from July were not repeated.

Announced 14 Aug 2026 · Consolidated · Unaudited

Revenue

₹294 Cr

Revenue vs last quarter

-17.7%

Net profit

-₹38 Cr

Profit vs last quarter

-1310.9%

Net margin

-12.8%

EPS

₹-1.47

Earnings call transcript · 14 Aug 2026

Checklist before you investPRO

Points for and against, in one list.

Key numbers & peers

The main numbers grouped by topic, and how the company compares with similar ones.

Price

Market cap
₹2,012 Cr
Prev close
₹68.31
52w High
₹160
52w Low
₹65.9
Enterprise value
—
Beta
—
Price CAGR 1y
—
Price CAGR 3y
—
Price CAGR 5y
—
Price CAGR 10y
—

Ratios

Return on assets
-40.9%
PEG ratio
—
P/E ratio
—
P/B ratio
1.7
EV / EBITDA
—
Industry P/E
62.6
ROCE
-35.7%
ROCE 5y average
-41.3%
ROE
-36.5%
Debt / Equity
0.1
Interest coverage
-95.5
Dividend yield
0.0%
ROE 3y average
-35.0%
ROE last year
-36.0%

Annual P&L

Annual revenue
₹1,098 Cr
Annual profit
-₹184 Cr
Operating margin
-12.0%
Net profit margin
-16.8%
EBITDA margin
-11.8%
Sales growth 3y
37.8%
Sales growth 5y
—
Profit growth 3y
16.0%
Profit growth 5y
—
EPS
₹-34.5
Sales growth TTM
66.0%
Profit growth TTM
33.0%
Dividend payout
0.0%

Quarter P&L

Sales latest quarter
₹294 Cr
Profit latest quarter
-₹38 Cr
YoY quarterly sales growth
39.7%
YoY quarterly profit growth
—
OPM latest quarter
-11.2%

Balance Sheet

Book Value
—
Face Value
₹1.0
Total debt
₹20 Cr
Total cash
₹125 Cr
Borrowings
₹20 Cr
Reserves / Equity
59.6

Cash Flow

Operating cash flow
-₹182 Cr
Free cash flow
-₹185 Cr
FCF yield
-9.3%
Net cash flow
-₹23 Cr

Shareholding

Promoter holding
13.2%
FII holding
6.3%
DII holding
13.3%
Public holding
67.0%

Peer comparison

CompanyPrice ₹P/EMkt cap ₹ CrDiv yield %Profit qtr ₹ CrProfit var %Sales qtr ₹ CrSales var %ROCE %
One 971,640.15129.81,05,3150.00220.057.62,448.027.65.0
PB Fintech.996.2561.746,1020.00162.992.51,888.340.110.3
Pine Labs170.00151.719,6310.0019.6308.6736.919.64.2
Moneyview58.5126.310,2990.0018.3
Manipal Payment354.2528.48,2120.0076.0120.6409.344.343.3
Seshaasai Tech.355.1021.45,7460.7061.868.3376.221.028.0
AvenuesAI15.0417.75,2480.0084.824.32,680.4109.47.7
Turtlemint Fintech69.402,0440.00-37.819.1294.139.7-35.7
Median206.8828.45,4970.0019.663.0376.233.714.1

Competes with: AvenuesAI Limited, Manipal Payment and Identity Solutions Limited, Moneyview Limited, Network People Services Technologies Limited, One 97 Communications Limited, One Mobikwik Systems Limited, PB Fintech Limited, Pine Labs Limited, Seshaasai Technologies Limited, Suvidhaa Infoserve Limited

Quarterly results

Sales and profit for each of the last 13 quarters. Newest on the right. ₹ crore.

Consolidated · to 30 Jun 2026
Line itemMar 2025Jun 2025Dec 2025Mar 2026Jun 2026
Sales252210278357294
Expenses289256316361327
Material Cost00
Change in Inventories00
Purchases of Stock-in-Trade00
Employee Cost5965
Other Expenses302262
Operating Profit-37-46-39-4-33
OPM %-15-22-14-1.10-11
Other Income54-1932
Exceptional items (within Other Income)-0.000
Interest01002
Depreciation74444
Profit before tax-40-47-62-5-38
Tax %-000-161-0
Net Profit-39-47-623-38
EPS in Rs-3,785-4,434-120.59-1.28
Diluted EPS in Rs0.12-1.47

Profit & loss

Yearly sales, costs and profit for 12 years, plus the last 12 months (TTM). ₹ crore.

Consolidated · to 31 Mar 2026
Line itemMar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Sales294420796631,098
Expenses4657342908501,229
Material Cost0
Change in Inventories0
Purchases of Stock-in-Trade0
Employee Cost242
Other Expenses986
Operating Profit-171-314-211-188-130
OPM %-58-75-269-28-12
Other Income11404030-44
Exceptional items (within Other Income)-55
Interest22222.06
Depreciation512202916
Profit before tax-168-288-193-189-193
Tax %0002-4
Net Profit-168-288-193-194-184
EPS in Rs-16,286-27,603-18,467-18,629-35
Diluted EPS in Rs-7.10
Dividend Payout %00000

Compounded growth

Average yearly growth over different spans, as stored. A span can cross a demerger or an acquisition.

Compounded sales growth

10 years
—
5 years
—
3 years
38%
TTM
66%

Compounded profit growth

10 years
—
5 years
—
3 years
16%
TTM
33%

Return on equity

10 years
—
5 years
-48%
3 years
-35%
Last year
-36%

Balance sheet

What the company owns and what it owes, at the end of each year. ₹ crore.

Consolidated
Line itemMar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital0.010.010.010.015.34
Reserves106742562409298
Borrowings1928212820
Other Liabilities7413130119126
Total Liabilities199900613556450
Fixed Assets1857384434
CWIP00000
Investments00000
Other Assets181843575512416
Total Assets199900613556450

Cash flows

Real money coming in and going out each year — from the business, from investments and from loans. ₹ crore.

Consolidated
Line itemMar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity-186-286-242-216-182
Cash from Investing Activity196-579248235172
Cash from Financing Activity-13903-10-15-13
Net Cash Flow-337-45-23
Free Cash Flow-192-298-243-218-184

Ratios

How fast customers pay, how long stock sits, and how well capital earns — year by year.

Consolidated
Line itemMar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Debtor Days95911737653
Cash Conversion Cycle95911737653
Working Capital Days94671,1569531
ROCE %-64-28-37-36

Shareholding pattern

Who owns the company — founders (promoters), foreign funds, Indian funds and the public. In %.

Consolidated · to 30 Jun 2026
Line itemMar 2026Jun 2026
Promoters8113
FIIs06.34
DIIs0.0213
Government0.11
Public67
No. of Shareholders52,588

Price trend

The price as a Renko brick chart: small moves drop out so the bigger path stands out.

Change over 1 year -49.5% (₹135.37 → ₹68.31)Brick size ₹7.82 (fixed)Bricks 17
₹100₹125₹150₹68.31Aug '26Oct '26
Price moved up one brickPrice moved down one brickLast close ₹68.31 on 9 Oct 2026

Every brick is the same size, about one typical day's move. A new brick needs a full brick's move; turning the other way needs two. Bricks show where the price went, not where it will go.

Open interestPRO

Where option traders are positioned on this stock.

Industry numbers

The numbers that matter most in this industry, from the company's own filings.

1 when an audit qualification is filed as repetitive

0.00flag

2026-03-31

the company's own unlisted debt securities in default at period end

0.00cr

2026-06-30

a new listing's EV withheld until its first post-issue balance sheet; value = fresh issue (0 = unknown), period = the issue cut-off

661inr_cr

2026-06-24

the company's own loans / revolving facilities in default at period end (standalone filing)

0.00cr

2026-06-30

a new listing's P/B and Book Value withheld until its first post-issue balance sheet; value = fresh issue (0 = unknown), period = the issue cut-off

661inr_cr

2026-06-24

News

News and filings about Turtlemint Fintech Solutions Limited. Open one to see why it matters.

Supply chain

Who it buys from, sells to and competes with — as recorded in our map of company links.

Competes with

Sells products of

About

What the company is, from our own records: where it sits, where it makes things, and what it is made of.

Sector
Financial Services
Industry
Financial Technology (Fintech)
Classification
Financial Services › Financial Technology (Fintech)
ISIN
INE0OC301013

News impact

Big market events that reach Turtlemint Fintech Solutions Limited, and how the effect spreads.

No recent market events reach this company.

Dividends, splits & big trades

Money paid out, share splits and buybacks, and big buys or sells by funds and insiders.

Insider trades

DisclosedWhoTypeSharesValue ₹ Cr
23 Sep 2026Rahul Brahmne · Designated PersonSELL10,1200.15
28 Aug 2026Rahul Brahmne · Designated PersonSELL25,0000.39
28 Aug 2026Anjani Kumar · Designated PersonSELL20,0000.31
28 Aug 2026Sunny Bhatia · Designated PersonSELL20,0000.30
28 Aug 2026Anjani Kumar · Designated PersonSELL20,6890.30
28 Aug 2026Keyur Kashikar · Designated PersonSELL15,0000.23
28 Aug 2026Anjani Kumar · Designated PersonSELL8,0000.14
28 Aug 2026Snehil Modani · Designated PersonSELL9,0000.13
28 Aug 2026Janaki Iyer · Designated PersonSELL36,000—
21 Aug 2026Brijesh Merchant · Designated PersonSELL35,0000.51

Documents

Annual reports, results presentations and earnings calls, straight from the source.

Facts from company filings and exchange data. Not investment advice: nothing here tells you to buy or sell.