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Latest filing: 2026-08-13 19:14
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2 announcements match the current filters (relevance ≥ 5).
₹10.11 Lakhs PAT; Kumbhat Financial reports 35% YoY Revenue growth in Q1 FY27
Kumbhat Financial Services reported a 35% YoY increase in total revenue to ₹1.97 Cr for the quarter ended June 30, 2026. However, Net Profit declined 11.2% YoY to ₹10.11 Lakhs, primarily due to a sharp rise in fees and commission expenses which reached ₹1.05 Cr. Sequentially, profit fell 91% from ₹1.15 Cr in the March 2026 quarter, which had been significantly boosted by a one-time impairment reversal. The company continues to operate as a micro-cap NBFC with a small net worth of approximately ₹6 Cr.
Confidence: HIGH
What changedThe company reported its Q1 FY27 financial results, showing a disconnect between strong top-line growth and declining bottom-line profitability.
Why it mattersFor a micro-cap NBFC, operating leverage is key; currently, rising operational and finance costs are offsetting the gains from a growing loan book.
Revenue (Q1 FY27): ₹1.97 CrNet Profit (Q1 FY27): ₹0.10 CrRevenue vs TTM Revenue: ~27.7%Fees and Commission Expense: ₹1.05 CrFinance Cost: ₹0.60 Cr
📅 Short termThe results are likely to be viewed neutrally by the market given the very small absolute profit and the YoY decline in earnings.
📈 Long termLimited; the company remains a very small player in the NBFC space and needs to demonstrate a sustainable path to higher margins.
⚠ Risk flags
- High commission expenses relative to revenue
- Significant sequential profit volatility
- Micro-cap liquidity risk
Key Highlights
Total Revenue from operations increased 35% YoY to ₹197.42 Lakhs from ₹146.20 Lakhs.
Net Profit for the quarter stood at ₹10.11 Lakhs, down from ₹11.39 Lakhs in the same period last year.
Fees and commission expenses surged to ₹104.98 Lakhs, accounting for over 53% of the total revenue.
Finance costs rose by 33.6% YoY to ₹59.99 Lakhs, reflecting higher borrowing or leverage costs.
Earnings Per Share (EPS) for the quarter was ₹0.19, compared to ₹0.21 in the year-ago quarter.
👀 What to Watch
Monitor the trend in 'Fees and commission expenses' in upcoming quarters, as this line item is currently the largest drag on profitability despite healthy interest income growth.
Kumbhat Financial Q1 Revenue Up 35% YoY to ₹1.97 Cr; PAT Declines 11% to ₹0.10 Cr
Kumbhat Financial Services reported a 35% YoY increase in total revenue to ₹1.97 Cr for Q1 FY27, driven by higher interest income. However, Net Profit declined by 11.2% YoY to ₹10.11 Lakhs, primarily due to a 33.7% rise in finance costs and a 65.7% jump in fees and commission expenses. Sequentially, the performance appears significantly weaker as the previous quarter (Q4 FY26) was bolstered by a ₹76.62 Lakhs impairment reversal and tax credits. The company remains a micro-cap NBFC focused exclusively on retail loans.
Confidence: HIGH
What changedThe company transitioned into the new fiscal year with strong top-line growth but faced margin compression due to higher borrowing and operational costs.
Why it mattersFor a micro-cap NBFC with a ₹11 Cr market cap, the lack of operating leverage is evident as revenue growth failed to translate into profit growth. The sharp sequential drop in PAT highlights the impact of non-recurring items in the previous quarter.
Revenue (Q1 FY27): ₹1.97 CrRevenue Growth (YoY): 35%Net Profit (Q1 FY27): ₹0.10 CrFinance Cost (Q1 FY27): ₹0.60 CrRevenue vs Market Cap: 17.9%
📅 Short termThe stock is likely to remain range-bound as the modest absolute profit and sequential decline provide little immediate catalyst for a re-rating.
📈 Long termLimited structural significance unless the company can scale its retail loan book while significantly reducing its high cost-to-income ratio.
⚠ Risk flags
- High expense ratio (94.8% of revenue)
- Single segment concentration (Retail loans)
- Micro-cap liquidity risk
- Significant sequential profit volatility
Key Highlights
Total Revenue from operations increased 35% YoY to ₹197.42 Lakhs from ₹146.20 Lakhs.
Net Profit for the quarter stood at ₹10.11 Lakhs, down from ₹11.39 Lakhs in the corresponding quarter last year.
Finance costs rose to ₹59.99 Lakhs, representing 30.4% of total revenue.
Fees and commission expenses surged to ₹104.98 Lakhs from ₹63.37 Lakhs YoY.
Basic EPS for the quarter decreased to ₹0.19 from ₹0.21 in Q1 FY26.
👀 What to Watch
Investors should monitor the rising expense-to-revenue ratio, as total expenses consumed 94.8% of revenue this quarter. Watch for stability in interest margins and any potential diversification from the single-segment retail loan business.
