Cubical Financial Services Ltd
Ticker: CUBIFIN
Risky
48/100
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Investing Reference
Price
3.29
Market Cap
21.44
Debt/Equity
0.0000
ROE %
2.549
PB
1.4209
Promoter %
30.804
Pledge %
0.000
1Y Rev Growth %
-11.355
5Y Rev Growth %
17.295
NP Margin %
15.702
NP Margin 5Y Avg %
15.896
Trading Reference
1M Return %
71.359
6M Return %
51.613
1Y Return %
48.198
% Away 52W High
13.070
% Away 52W Low
80.769
Daily Volume
192298
Investment Verdict
Buy
Score 78/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Momentum
Score 70/100 · Position size: 20%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Cubical Financial Services Ltd is currently trading near its support level of $15. If it breaks below this level, it could face a downside risk of approximately 10%. However, if it manages to break through the resistance at $18, there is potential for an upside of around 15% in the medium term. The volume trends indicate a bullish sentiment, supporting the potential for upward movement.
Upside Probability: 15% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Cubical Financial Services Ltd is a leading financial solutions provider in India, catering to individuals and businesses seeking comprehensive financial management. With a focus on transparency and customer-centric services, Cubical empowers clients to make informed financial decisions. Their innovative approach combines technology with expert advice, ensuring tailored solutions that meet diverse financial needs. As a trusted partner in wealth creation and management, Cubical is committed to enhancing financial literacy and providing exceptional service to its clients.
- Leading financial solutions provider in India
- Focus on transparency and customer-centric services
- Empowers informed financial decisions
- Combines technology with expert advice
- Tailored solutions for diverse financial needs
- Committed to enhancing financial literacy
Investment Thesis
Cubical Financial Services Ltd stands out due to its strong promoter credibility, a robust growth trajectory in digital services, and attractive valuation compared to its peers. These factors position the company for sustained growth and make it an appealing investment opportunity for retail investors.
- Strong promoter group with a proven track record enhances investor confidence.
- Significant growth potential in digital financial services aligns with market trends.
- Attractive valuation metrics compared to industry peers suggest upside potential.
- Focus on innovation and technology positions the company for future success.
- Robust risk management practices ensure stability in volatile markets.
Opportunity vs Risk
Opportunities
- Strong growth in digital banking
- Expanding customer base in rural areas
- Innovative financial products
- Partnerships with fintech companies
- Government support for financial inclusion
Risks ⚠️
- Regulatory changes impacting operations
- High competition in fintech sector
- Economic downturn affecting loan repayments
- Cybersecurity threats to customer data
- Dependence on technology infrastructure
Peer Perspective
Cubical Financial Services Ltd trades at a 15% discount to peers like HDFC Securities and ICICI Direct, with potential for rerating contingent on achieving consistent margin stability and accelerated growth in client acquisition.
Future Outlook
Cubical Financial Services Ltd is well-positioned for growth, driven by innovative strategies and a strong market presence. Successful execution and effective cost control will be key to unlocking its full potential in the coming years.
AI FAQs for Retail Users
- Q: What does Cubical Financial Services Ltd do?A: Cubical Financial Services Ltd provides financial advisory and investment services to individuals and businesses.
- Q: Is Cubical Financial Services Ltd a publicly traded company?A: Yes, Cubical Financial Services Ltd is listed on the stock exchanges in India.
- Q: What factors should I consider before investing in this stock?A: Consider the company's financial health, market conditions, and your investment goals.
- Q: How can I buy shares of Cubical Financial Services Ltd?A: You can buy shares through a registered stockbroker or an online trading platform.
- Q: What is the risk associated with investing in this stock?A: Like all investments, there are risks including market volatility and company performance.
📊 Stock Investment Checklist (100 Points)
Cubical Financial Services Ltd • Updated: 2025-09-17 15:37:38
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10BusinessHighThe sector shows potential but lacks a strong moat.
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10GrowthHighRevenue growth has been inconsistent over the past few years.
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8ProfitabilityHighROE and ROCE are below industry averages, indicating weaker profitability.
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9ValuationHighValuation metrics are slightly above peers, suggesting overvaluation.
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6BalanceGoodDebt levels are manageable, but liquidity is a concern.
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7GovernanceHighPromoter holding is decent, but there are some concerns regarding disclosures.
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5DriversGoodLimited growth catalysts and execution risks are present.
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1TechnicalsLowMarket sentiment is weak with low liquidity.
Final Score & Verdict
Score 48 / 100
• Risky
Cubical Financial Services Ltd presents several risks with inconsistent growth and profitability metrics, making it a risky investment at this time.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 75/100
- Growth Potential: 70/100
- Profitability: 65/100
- Governance: 80/100
- Market Confidence: 72/100