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Latest filing: 2026-08-11 15:50
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2 announcements match the current filters (relevance ≥ 5).
₹23.47 Lacs PAT in Q1 FY27, up 234% YoY; Other Income drives revenue surge
Cubical Financial Services reported a significant jump in total revenue to ₹54.13 Lacs for Q1 FY27, a 98% increase from ₹27.29 Lacs in Q1 FY26. Net profit surged 234% YoY to ₹23.47 Lacs, largely driven by 'Other Income' of ₹27.47 Lacs, which exceeded the core interest income. Core interest income remained stagnant at ₹26.66 Lacs compared to ₹27.29 Lacs in the year-ago period. While the percentage growth is high, absolute profit remains low relative to the company's ₹46 Cr market capitalization.
Confidence: HIGH
What changedThe company reported a sharp spike in quarterly profitability and revenue, primarily due to a one-off or non-core 'Other Income' component rather than core interest income growth.
Why it mattersFor a micro-cap NBFC with very low TTM revenue, this quarter represents a significant increase in scale, though the quality of earnings is mixed due to the reliance on non-interest income.
Net Profit (Q1 FY27): ₹23.47 LacsTotal Revenue (Q1 FY27): ₹54.13 LacsOther Income: ₹27.47 LacsQ1 Revenue vs TTM Revenue: 54.13%YoY PAT Growth: 234.3%
📅 Short termThe stock may see positive momentum due to the high percentage growth in PAT and EPS, although the absolute numbers remain small.
📈 Long termLimited structural significance unless the company can leverage its capital to grow core interest income consistently beyond the current ₹26-27 Lacs per quarter range.
⚠ Risk flags
- High reliance on non-core 'Other Income' for profitability
- Auditor qualification regarding non-compliance with Ind AS 116 (Leases) since 2019
- Stagnant core interest income growth YoY
Key Highlights
Net Profit increased by 234% YoY to ₹23.47 Lacs from ₹7.02 Lacs in the previous year's quarter.
Total Revenue for the quarter reached ₹54.13 Lacs, representing approximately 54% of the total TTM revenue of ₹1 Cr.
Other Income contributed ₹27.47 Lacs to the top line, compared to zero in the same quarter last year.
Core Interest Income saw a marginal decline of 2.3% YoY, falling to ₹26.66 Lacs from ₹27.29 Lacs.
Basic EPS improved to ₹0.04 for the quarter, up from ₹0.01 in Q1 FY26.
👀 What to Watch
Investors should monitor the source and sustainability of 'Other Income', as core interest income growth is currently flat. The high P/E ratio of 269.5 indicates the market is pricing in significant future growth that is not yet reflected in the core lending business.
Cubical Financial Q1 FY27 Net Profit Rises 234% YoY to ₹23.47 Lacs
Cubical Financial Services reported a total revenue of ₹54.13 Lacs for Q1 FY27, a 98% increase from ₹27.29 Lacs in the year-ago period. This growth was primarily driven by 'Other Income' of ₹27.47 Lacs, while core interest income remained stagnant at ₹26.66 Lacs. Net profit surged to ₹23.47 Lacs from ₹7.02 Lacs YoY, leading to an EPS of ₹0.04. Notably, the company adopted Ind-AS for the first time in this reporting cycle.
Confidence: HIGH
What changedThe company reported its first-quarter results for FY27, showing a sharp spike in profitability and the first-time adoption of Ind-AS accounting standards.
Why it mattersFor a micro-cap NBFC with a ₹46 Cr market cap, a significant jump in quarterly profit can impact stock sentiment, though the reliance on non-core income warrants caution.
Net Profit (Q1 FY27): ₹23.47 LacsTotal Revenue (Q1 FY27): ₹54.13 LacsOther Income % of Total Revenue: 50.7%EPS (Basic): ₹0.04Quarterly Revenue vs FY26 Revenue: 41.3%
📅 Short termThe stock may see positive momentum due to the high percentage growth in net profit and EPS.
📈 Long termLimited structural significance as the core interest income is not showing growth and the company remains a very small player in the NBFC space.
⚠ Risk flags
- High dependence on non-core 'Other Income'
- Auditor qualification regarding non-adjustment for Ind AS 116 (Leases)
- Stagnant core interest income
Key Highlights
Net Profit increased by 234% YoY to ₹23.47 Lacs from ₹7.02 Lacs
Total Revenue grew 98% YoY to ₹54.13 Lacs, representing ~41% of FY26 annual revenue
Other Income contributed ₹27.47 Lacs, accounting for 50.7% of the total quarterly revenue
Core Interest Income saw a marginal decline to ₹26.66 Lacs from ₹27.29 Lacs YoY
Auditor noted non-compliance with Ind AS 116 (Leases) since April 2019 with no accounting adjustments made
👀 What to Watch
Investors should monitor whether the 'Other Income' is a recurring item or a one-off gain, and track the growth of the core interest-bearing loan portfolio which remained flat.
