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NBFC & Finance Companies: Q1 FY27 results (April-June 2026)
146 companies have declared NBFC & Finance Companies Q1 FY27 results so far, the latest on 23 Sep 2026.
Across the 70 non-financial companies with a year-ago quarter to compare, sales grew -33.1% and net profit +8.6% year on year, and the combined operating margin narrowed 5010 bps to -44.4%.
For the 43 banks and lenders, net interest income grew +66.3% and net profit +18.9%.
71% of companies grew net profit; 8 turned a loss into a profit; 53% beat their own profit trend and 28% fell short of it.
Latest results
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NBFC & Finance Companies Q1 FY27 scoreboard
Sales growth
-33.1%
YoY, 70 companies combined; median +19.1%
Net profit growth
+8.6%
YoY combined; median +22.5%
Operating margin
-44.4%
-5010 bps YoY
Grew profit
71%
8 turnarounds, 3 into loss
Vs own profit trend
53% / 28%
above / below, 19% in line
Banks: NII growth
+66.3%
43 lenders; profit +18.9%
Price since results
-6.1%
median; 29% of 139 stocks up
Other-income heavy
31
25%+ of pre-tax profit from other income & one-offs
Latest NBFC & Finance Companies Q1 FY27 results 146
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M Cap ₹473 Cr
P/E 6.9
PEG 0.05
Since results -83.6%
Profit -39% below its own trend Operating margin expanded 538 bps YoY Core business grew faster than reported profit (core profit +47%) Operating cash flow was negative in FY26 despite a profit
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Sales
+47.3% -45.7%
20.6 38.0 14.0 Operating profit
+58.4% -52.0%
15.8 33.0 10.0 OPM %
+538 bps -1003 bps
76.8% 86.8% 71.4% Other income
— —
0.1 0.0 0.0 Net profit
+22.5% -57.6%
11.0 26.0 9.0 PAT margin %
-1081 bps -1494 bps
53.5% 68.4% 64.3% EPS (₹)
+19.4% -82.0%
0.86 4.78 0.72
Quality of profit
Pre-tax profit ₹14.9 Cr: core business ₹14.7 Cr, other income ₹0.1 Cr.
Core profit YoY: +47.5%
· reported profit +22.5%
Cash & debt
FY26 cash from operations −₹34.0 Cr:
-52% of FY26 net profit of ₹66.0 Cr.
Borrowings ₹25.0 Cr at Mar 2026.
Against its own trend ?
Trend Actual Gap
Sales ₹28.0 ₹20.6
-26.4% below Net profit ₹18.0 ₹11.0
-38.7% below
AI read of the filing Rs 100 Cr NCD Fundraise and Expansion into AIF/PE Business Approved Positive Approved issuance of Secured, Unlisted NCDs up to Rs 100 Crore on a private placement basis Proposed alteration of Memorandum of Association to enter AIF, Venture Capital, and Portfolio Management services Re-appointed MD Dhanpal Doshi and WTD Parasmal Doshi for 3-year terms effective September 20, 2026 Full analysis →
M Cap ₹6,808 Cr
P/E 44.1
PEG 3.68
Since results +79.9%
Profit +68% above its own trend
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Total income
+74.5% +55.6%
115 74.0 66.0 Net interest income
+9.4% -8.1%
46.0 50.0 42.0 Other income
— —
43.0 0.0 2.0 Operating profit (pre-provision)
— —
79.5 — — Provisions
— —
1.2 — — Net profit
+97.4% +91.3%
61.2 32.0 31.0 EPS (₹)
+100.0% +91.3%
1.32 0.69 0.66 Cost-to-income %
— —
10.6% — — Gross NPA %
+17 bps +4 bps
0.4% 0.4% 0.2% Net NPA %
— —
0.0% — —
Where profit came from
Pre-provision profit ₹79.5 Cr; provisions ₹1.2 Cr.
Net profit +97.4% YoY.
Against its own trend ?
Trend Actual Gap
NII ₹47.1 ₹46.0
-2.4% in line Net profit ₹36.5 ₹61.2
+67.7% above
AI read of the filing ₹61.21 Cr PAT in Q1 FY27; Profit doubles on ₹34 Cr one-time tax refund interest Positive Net Profit doubled to ₹61.21 Cr in Q1 FY27 compared to ₹30.56 Cr in Q1 FY26. Other Income surged to ₹34.13 Cr, primarily due to ₹34.00 Cr interest received on tax refunds for Assessment Years 1995-96 to 2002-03. Gross NPA improved to 3.12% as of June 30, 2026, down from 3.86% as of March 31, 2026. Full analysis →
M Cap ₹39,178 Cr
P/E 36.0
PEG 7.20
Since results -3.5%
Profit +146% above its own trend
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Total income
+77.8% +10.2%
2,337 2,120 1,314 Net interest income
+120.3% +10.8%
1,409 1,271 639 Other income
-94.8% +34.0%
6.7 5.0 129 Operating profit (pre-provision)
+26.7% —
411 — 325 Net profit
+391.5% +20.7%
308 255 62.6 EPS (₹)
+338.3% +13.4%
3.55 3.13 0.81 Cost-to-income %
+1320 bps —
70.9% — 57.7%
Where profit came from
Pre-provision profit ₹411 Cr (+26.7% YoY).
Net profit +391.5% YoY.
Against its own trend ?
Trend Actual Gap
NII ₹875 ₹1,409
+61.0% above Net profit ₹125 ₹308
+145.8% above
AI read of the filing Poonawalla Fincorp Approves Q1 FY27 Results; Reports Zero Deviation in QIP Proceeds Neutral Board approved unaudited financial results for the quarter ended June 30, 2026 Reported zero deviation in the use of proceeds from the Qualified Institutional Placement (QIP) Joint Statutory Auditors MSKA & Associates and Kirtane & Pandit issued Limited Review Reports Full analysis →
M Cap ₹345 Cr
P/E 14.4
PEG —
Since results -9.1%
Turnaround: profit against a loss a year ago
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Total income
+8.9% -3.8%
161 167 147 Net interest income
+10.6% -12.8%
77.7 89.0 70.2 Other income
+134.4% —
5.1 0.4 2.2 Operating profit (pre-provision)
— —
10.9 — — Net profit
from loss +51.2%
8.1 5.4 -4.7 EPS (₹)
from loss +51.5%
4.94 3.26 -2.84 Cost-to-income %
— —
86.9% — —
Where profit came from
Pre-provision profit ₹10.9 Cr.
Against its own trend ?
Trend Actual Gap
NII ₹87.5 ₹77.7
-11.3% below
AI read of the filing Muthoot Capital Appoints Former Union Bank CEO to Board; Utilizes ₹150 Cr NCD Proceeds Positive Appointed Ms. Manimekhalai A, a banking veteran with 30+ years experience and former Union Bank CEO, to the board. Confirmed full utilization of ₹150 crore NCD proceeds raised on June 30, 2026, for on-lending purposes. Re-appointed Mrs. Shirley Thomas as Independent Director for a second 5-year term effective November 25, 2026. Full analysis →
M Cap ₹1,268 Cr
P/E 12.3
PEG 0.21
Since results -23.1%
Profit -68% below its own trend Operating margin expanded 110 bps YoY Operating cash flow was negative in FY26 despite a profit
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Sales
-19.3% +7.2%
455 424 563 Operating profit
-18.3% +32.7%
439 331 538 OPM %
+110 bps +1859 bps
96.7% 78.1% 95.6% Other income
— —
0.2 0.0 0.0 Net profit
-49.6% +520.8%
80.7 13.0 160 PAT margin %
-1067 bps +1469 bps
17.8% 3.1% 28.4% EPS (₹)
-49.6% +522.2%
4.48 0.72 8.89
Quality of profit
Pre-tax profit ₹108 Cr: core business ₹108 Cr, other income ₹0.2 Cr.
Core profit YoY: -49.3%
· reported profit -49.6%
Cash & debt
FY26 cash from operations −₹2,540 Cr:
-1396% of FY26 net profit of ₹182 Cr.
Borrowings ₹24,884 Cr at Mar 2026.
Against its own trend ?
Trend Actual Gap
Sales ₹615 ₹455
-26.1% below Net profit ₹255 ₹80.7
-68.4% below
AI read of the filing PNB Gilts Q1 FY27: Net Profit drops 49.6% YoY to ₹80.7 Cr on lower trading gains Negative Net Profit for Q1 FY27 stood at ₹80.70 Cr, down from ₹160.07 Cr in Q1 FY26. Net gains on securities (realized and unrealized) plummeted 88.4% YoY to ₹18.23 Cr. Interest income showed resilience, increasing to ₹433.45 Cr from ₹403.85 Cr in the year-ago quarter. Full analysis →
M Cap ₹1,592 Cr
P/E 36.5
PEG —
Since results -10.2%
Profit +43% above its own trend Operating margin contracted 255 bps YoY Operating cash flow was negative in FY26 despite a profit
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Sales
+13.2% +3.9%
88.3 85.0 78.0 Operating profit
+4.2% +0.2%
26.1 26.0 25.0 OPM %
-255 bps -108 bps
29.5% 30.6% 32.1% Other income
— —
0.1 0.0 0.0 Net profit
-3.6% +5.2%
11.6 11.0 12.0 PAT margin %
-229 bps +16 bps
13.1% 12.9% 15.4% EPS (₹)
+5.7% +12.1%
2.60 2.32 2.46
Quality of profit
Pre-tax profit ₹15.4 Cr: core business ₹15.4 Cr, other income ₹0.1 Cr.
Core profit YoY: -3.8%
· reported profit -3.6%
Cash & debt
FY26 cash from operations −₹104 Cr:
-236% of FY26 net profit of ₹44.0 Cr.
Borrowings ₹379 Cr at Mar 2026.
Against its own trend ?
Trend Actual Gap
Sales ₹66.1 ₹88.3
+33.7% above Net profit ₹8.1 ₹11.6
+42.8% above
AI read of the filing 5Paisa Q1 PAT Stagnant at ₹11.57 Cr; Completes ₹468 Cr Rights Issue; Faces ₹33 Cr Tax Demand Watch Revenue from operations increased 13.7% YoY to ₹88.33 crore from ₹77.69 crore. Consolidated Net Profit remained nearly flat at ₹11.57 crore compared to ₹11.55 crore in Q1 FY26. Completed a rights issue of 1.56 crore shares at ₹300 per share, raising ₹468.82 crore. Full analysis →
M Cap ₹1,41,717 Cr
P/E —
PEG —
Since results -9.1%
Profit +154% above its own trend
₹ Cr YoY
Jun 2026 Jun 2025
Total income
+220.5%
1,985 619 Net interest income
+500.7%
1,586 264 Other income
to loss -19.0 257 Operating profit (pre-provision)
+165.0%
970 366 Net profit
+155.7%
830 325 EPS (₹)
+149.0%
1.27 0.51 Cost-to-income %
+841 bps
38.1% 29.7%
Where profit came from
Pre-provision profit ₹970 Cr (+165.0% YoY).
Net profit +155.7% YoY.
Against its own trend ?
Trend Actual Gap
NII ₹367 ₹1,586
+332.5% above Net profit ₹327 ₹830
+153.5% above
AI read of the filing ₹2,004 Cr Revenue: JIOFIN Reports 97% QoQ Revenue Growth in Q1 FY27 Positive Consolidated revenue from operations reached ₹2,004.47 cr, representing 57% of the entire previous year's TTM revenue in a single quarter. Net profit for the quarter stood at ₹830.25 cr, a 156% increase compared to ₹324.66 cr in the same quarter last year. Interest income grew to ₹961.58 cr, nearly tripling from ₹362.86 cr in the year-ago period. Full analysis →
M Cap ₹42,713 Cr
P/E —
PEG —
Since results -3.9%
₹ Cr YoY
Jun 2026 Jun 2025
Total income
+29.9%
1,273 980 Net interest income
—
872 59.2 Other income
-93.2%
47.0 692 Operating profit (pre-provision)
+13.3%
424 374 Net profit
+16.1%
331 285 EPS (₹)
+13.5%
8.13 7.16 Cost-to-income %
+366 bps
53.9% 50.3%
Where profit came from
Pre-provision profit ₹424 Cr (+13.3% YoY).
Net profit +16.1% YoY.
Against its own trend ?
Trend Actual Gap
NII ₹96.3 ₹872
+805.8% above Net profit ₹337 ₹331
-1.9% in line
AI read of the filing 360 ONE Q1 PAT Up 14.8% to ₹330 Cr; ARR AUM Grows 19% to ₹3.42 Lakh Cr Positive Consolidated PAT increased 14.8% YoY to ₹330 Cr for Q1 FY27. Total Assets under Management (AUM) reached ₹7,76,755 Cr as of June 2026. Annual Recurring Revenue (ARR) AUM grew 19.0% YoY to ₹3,42,035 Cr. Full analysis →
M Cap ₹84,444 Cr
P/E 34.8
PEG 2.48
Since results -7.1%
Profit -52% below its own trend Operating margin contracted 1191 bps YoY 56% of pre-tax profit came from other income and one-off items Profit grew faster than the core business (core profit -76%)
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Sales
+6.5% -0.2%
6,814 6,825 6,396 Operating profit
-76.2% -65.9%
234 686 981 OPM %
-1191 bps -662 bps
3.4% 10.1% 15.3% Other income
— +843.5%
302 32.0 13.0 Net profit
-46.0% -26.3%
403 547 747 PAT margin %
-576 bps -210 bps
5.9% 8.0% 11.7% EPS (₹)
-46.3% -26.3%
8.08 10.96 15.04
Quality of profit
Pre-tax profit ₹536 Cr: core business ₹234 Cr, other income ₹302 Cr.
Core profit YoY: -76.2%
· reported profit -46.0%
Cash & debt
FY26 cash from operations ₹2,622 Cr:
95% of FY26 net profit of ₹2,773 Cr.
Borrowings nil at Mar 2026.
Against its own trend ?
Trend Actual Gap
Sales ₹7,191 ₹6,814
-5.3% below Net profit ₹842 ₹403
-52.1% below
AI read of the filing Rs 8,100 Cr Gross Premium in Q1; Rs 185 Cr Provision for Motor TP Claims Neutral Gross Premiums Written (GPW) increased 26.6% YoY to Rs 8,100.21 Cr from Rs 6,396.28 Cr in the year-ago quarter. Net Premium Written (NPW) grew 17.7% YoY to Rs 6,603.73 Cr. Recognized a Rs 185 Cr (Rs 18,500 lakhs) provision for Motor TP claims due to a Supreme Court ruling on homemaker compensation. Full analysis →
M Cap ₹26,680 Cr
P/E —
PEG —
Since results -12.2%
Profit +304% above its own trend
₹ Cr YoY
Jun 2026 Jun 2025
Total income
+25.4%
1,434 1,143 Operating profit (pre-provision)
+97.5%
325 164 Net profit
+102.1%
231 114 EPS (₹)
-79.9%
2.54 12.66
Where profit came from
Pre-provision profit ₹325 Cr (+97.5% YoY).
Net profit +102.1% YoY.
Against its own trend ?
Trend Actual Gap
Total income ₹927 ₹1,434
+54.7% above Net profit ₹57.2 ₹231
+304.2% above
M Cap ₹48,767 Cr
P/E —
PEG —
Since results -21.4%
₹ Cr
Jun 2026
Total income
4,938 Net interest income
3,185 Other income
0.0 Operating profit (pre-provision)
1,055 Net profit
785 EPS (₹)
9.46 Cost-to-income %
66.9%
Earlier quarters are on record only as standalone figures, so they are not compared with this consolidated statement.
Where profit came from
Pre-provision profit ₹1,055 Cr.
AI read of the filing ₹785.2 Cr Net Profit: HDBFS Reports 38% YoY Growth in Q1 FY27 Results Positive Net Profit grew 38.3% YoY to ₹785.2 crore for Q1 FY27 compared to ₹567.7 crore in Q1 FY26. Total Revenue from operations increased 10.6% YoY to ₹4,937.9 crore. Profit Before Tax (PBT) surged 44% YoY to ₹1,055.1 crore from ₹732.5 crore. Full analysis →
M Cap ₹1,20,907 Cr
P/E 61.2
PEG 5.10
Since results -1.5%
62% of pre-tax profit came from other income and one-off items Profit grew faster than the core business (core profit -45%)
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Sales
-43.2% -15.9%
16,728 19,890 29,463 Operating profit
-21.5% +219.0%
345 108 439 OPM %
+57 bps +152 bps
2.1% 0.5% 1.5% Other income
+136.7% -9.3%
388 428 164 Net profit
+11.5% +23.0%
611 497 548 PAT margin %
+179 bps +116 bps
3.7% 2.5% 1.9% EPS (₹)
+11.4% +22.5%
2.83 2.31 2.54
Quality of profit
Pre-tax profit ₹630 Cr: core business ₹242 Cr, other income ₹388 Cr.
Core profit YoY: -44.9%
· reported profit +11.5%
Cash & debt
FY26 cash from operations ₹22,625 Cr:
1184% of FY26 net profit of ₹1,911 Cr.
Borrowings ₹3,099 Cr at Mar 2026.
Against its own trend ?
Trend Actual Gap
Sales ₹41,174 ₹16,728
-59.4% below Net profit ₹569 ₹611
+7.5% in line
AI read of the filing HDFC Life Q1 FY27: Net Premium Income Grows 14.4% YoY to Rs 16,548 Cr Positive Net Premium Income increased 14.4% YoY to Rs 16,548 Cr for the quarter ended June 30, 2026 Renewal Premium income grew to Rs 9,023 Cr, up from Rs 7,603 Cr in the same quarter last year Total Surplus for the period rose to Rs 1,068.5 Cr compared to Rs 681.9 Cr in Q1 FY26 Full analysis →
M Cap ₹97,018 Cr
P/E —
PEG —
Since results -13.7%
₹ Cr YoY
Jun 2026 Jun 2025
Total income
+13.4%
1,363 1,201 Operating profit (pre-provision)
+10.5%
1,089 986 Net profit
+12.0%
837 748 EPS (₹)
-44.1%
19.53 34.95
Where profit came from
Pre-provision profit ₹1,089 Cr (+10.5% YoY).
Net profit +12.0% YoY.
Against its own trend ?
Trend Actual Gap
Total income ₹1,482 ₹1,363
-8.0% below Net profit ₹911 ₹837
-8.1% in line
M Cap ₹5,491 Cr
P/E 14.3
PEG 0.65
Since results -4.6%
Profit +16% above its own trend
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Total income
+29.4% +8.6%
670 617 518 Net interest income
+32.9% +5.4%
397 377 299 Other income
-68.0% -68.0%
0.3 1.0 1.0 Operating profit (pre-provision)
— —
153 — — Net profit
+52.5% +13.2%
114 101 75.0 EPS (₹)
+51.7% +13.4%
3.05 2.69 2.01 Cost-to-income %
— —
61.4% — —
Where profit came from
Pre-provision profit ₹153 Cr.
Net profit +52.5% YoY.
Against its own trend ?
Trend Actual Gap
NII ₹330 ₹397
+20.2% above Net profit ₹98.8 ₹114
+15.8% above
AI read of the filing 52.5% YoY PAT Growth to ₹114.38 Cr; GNPA Improves to 1.55% Positive Net Profit increased 52.5% YoY to ₹114.38 Cr compared to ₹75.01 Cr in the year-ago quarter Gross NPA improved significantly to 1.55% from 1.87% in March 2026 and 1.99% in June 2025 Interest Income rose 32.6% YoY to ₹644.57 Cr, reflecting strong growth in the lending book Full analysis →
M Cap ₹311 Cr
P/E 75.3
PEG 1.16
Since results +77.7%
Turnaround: profit against a loss a year ago
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Total income
+214.2% -11.8%
2.1 2.4 0.7 Net interest income
+82.0% -68.7%
0.7 2.3 0.4 Other income
— —
1.2 0.0 0.1 Operating profit (pre-provision)
— —
1.5 — — Net profit
from loss -47.1%
1.1 2.1 -0.3 EPS (₹)
from loss -53.3%
0.07 0.15 -0.02 Cost-to-income %
— —
19.3% — —
Where profit came from
Pre-provision profit ₹1.5 Cr.
Against its own trend ?
Trend Actual Gap
NII ₹0.8 ₹0.7
-9.0% below
AI read of the filing Viji Finance Q1 Net Profit at ₹1.14 Cr; Authorized Capital Increased to ₹75 Cr Positive Net Profit turned positive at ₹1.14 Cr for Q1 FY27 vs a loss of ₹0.33 Cr in Q1 FY26 Authorized Share Capital increased from ₹30 Cr to ₹75 Cr to facilitate future growth Raised ₹6.38 Cr through the conversion of 3.04 Cr warrants at ₹2.80 per share Full analysis →
M Cap ₹652 Cr
P/E 12.0
PEG 0.57
Since results -26.7%
Operating margin contracted 128 bps YoY Operating cash flow was negative in FY26 despite a profit
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Sales
+15.7% +0.6%
131 130 113 Operating profit
+12.7% -4.7%
62.0 65.0 55.0 OPM %
-128 bps -261 bps
47.4% 50.0% 48.7% Other income
— -82.9%
0.7 4.0 0.0 Net profit
-25.8% -41.4%
11.1 19.0 15.0 PAT margin %
-477 bps -611 bps
8.5% 14.6% 13.3% EPS (₹)
-27.6% -40.5%
1.97 3.31 2.72
Quality of profit
Pre-tax profit ₹15.4 Cr: core business ₹14.7 Cr, other income ₹0.7 Cr.
Core profit YoY: -26.4%
· reported profit -25.8%
Cash & debt
FY26 cash from operations −₹317 Cr:
-547% of FY26 net profit of ₹58.0 Cr.
Borrowings ₹2,206 Cr at Mar 2026.
Against its own trend ?
Trend Actual Gap
Sales ₹118 ₹131
+11.2% above Net profit ₹11.8 ₹11.1
-5.7% in line
AI read of the filing Rs 11.13 Cr PAT: Aditya Birla Money Q1 Profit Drops 27.6% YoY Despite 16% Revenue Growth Negative Total Revenue from Operations grew 16% YoY to Rs 130.77 Cr for the quarter ended June 30, 2026. Net Profit After Tax (PAT) fell 27.6% YoY to Rs 11.13 Cr from Rs 15.38 Cr. Operating Margin contracted sharply to 11.78% compared to 18.25% in the previous year's quarter. Full analysis →
M Cap ₹65,458 Cr
P/E 14.1
PEG 0.06
Since results -17.2%
Profit +12% above its own trend
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Total income
+23.1% +9.9%
5,243 4,771 4,260 Net interest income
+42.3% +7.2%
3,243 3,024 2,279 Other income
-91.2% —
30.4 0.0 345 Operating profit (pre-provision)
-16.8% —
1,236 — 1,486 Net profit
+30.7% +13.2%
916 809 701 EPS (₹)
+28.1% +11.8%
3.60 3.22 2.81 Cost-to-income %
+1885 bps —
62.2% — 43.4%
Where profit came from
Pre-provision profit ₹1,236 Cr (-16.8% YoY).
Net profit +30.7% YoY.
Against its own trend ?
Trend Actual Gap
NII ₹2,721 ₹3,243
+19.2% above Net profit ₹815 ₹916
+12.3% above
AI read of the filing LTF Q1FY27 PAT Grows 30.7% YoY to ₹916 Cr; Revenue Up 22.4% Positive Consolidated PAT increased to ₹915.99 Cr, a 30.7% growth compared to ₹700.84 Cr in Q1FY26. Total revenue from operations reached ₹5,212.92 Cr, up 22.4% from ₹4,259.57 Cr YoY. Interest income, the primary revenue driver, rose to ₹4,894.91 Cr from ₹3,914.50 Cr. Full analysis →
M Cap ₹33,851 Cr
P/E —
PEG —
Since results -1.8%
Profit +34% above its own trend
₹ Cr YoY
Jun 2026 Jun 2025
Total income
+52.1%
432 284 Operating profit (pre-provision)
+63.2%
206 126 Provisions
—
0.0 — Net profit
+73.6%
163 93.9 EPS (₹)
-13.2%
9.82 11.31
Where profit came from
Pre-provision profit ₹206 Cr (+63.2% YoY); provisions ₹0.0 Cr.
Net profit +73.6% YoY.
Against its own trend ?
Trend Actual Gap
Total income ₹350 ₹432
+23.6% above Net profit ₹122 ₹163
+33.9% above
AI read of the filing 77% PAT growth: Anand Rathi Q1 profit hits ₹163 Cr; plans Mutual Fund entry Positive Consolidated PAT reached ₹163.22 Cr in Q1 FY27, representing a 77% YoY growth Board approved the proposal to apply for SEBI Mutual Fund sponsorship and incorporate an AMC Completed 1:1 bonus issue on June 03, 2026, increasing total equity shares to 16.60 Cr Full analysis →
M Cap ₹114 Cr
P/E 15.4
PEG 0.48
Since results -25.4%
Profit +22% above its own trend Operating margin expanded 225 bps YoY FY26 operating cash flow was only 29% of profit
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Sales
+3.2% +17.2%
6.9 5.9 6.7 Operating profit
+8.5% +72.6%
3.2 1.8 2.9 OPM %
+225 bps +1468 bps
45.7% 31.1% 43.5% Other income
— -99.0%
0.0 0.1 0.0 Net profit
+11.0% +96.3%
2.4 1.2 2.1 PAT margin %
+242 bps +1386 bps
34.4% 20.5% 32.0% EPS (₹)
+12.5% +100.0%
0.54 0.27 0.48
Quality of profit
Pre-tax profit ₹3.1 Cr: core business ₹3.1 Cr, other income ₹0.0 Cr.
Core profit YoY: +10.9%
· reported profit +11.0%
Cash & debt
FY26 cash from operations ₹2.0 Cr:
29% of FY26 net profit of ₹7.1 Cr.
Borrowings nil at Mar 2026.
Against its own trend ?
Trend Actual Gap
Sales ₹6.6 ₹6.9
+4.3% in line Net profit ₹1.9 ₹2.4
+22.5% above
AI read of the filing INDBANK Q1 FY27: Net Profit Jumps 95.7% QoQ to ₹2.38 Cr Positive Net Profit increased 95.7% QoQ to ₹2.38 Cr from ₹1.21 Cr. Fees and Commission income rose to ₹4.93 Cr, contributing 71.4% of total revenue. Total expenses declined to ₹3.82 Cr from ₹4.15 Cr in the preceding quarter. Full analysis →
M Cap ₹5,97,208 Cr
P/E 28.9
PEG 1.52
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Total income
+18.7% +7.2%
23,171 21,617 19,528 Net interest income
+48.9% +7.1%
15,223 14,208 10,227 Other income
-99.7% -45.5%
6.0 11.0 2,383 Net profit
+27.6% +9.5%
6,081 5,553 4,765 EPS (₹)
+26.9% +9.5%
9.61 8.78 7.57 Gross NPA %
-7 bps -5 bps
1.0% 1.0% 1.0% Net NPA %
-11 bps -2 bps
0.4% 0.4% 0.5%
Against its own trend ?
Trend Actual Gap
NII ₹12,491 ₹15,223
+21.9% above Net profit ₹5,813 ₹6,081
+4.6% in line
M Cap ₹4,455 Cr
P/E 28.6
PEG 0.31
Profit +40% above its own trend
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Total income
+100.0% +29.5%
136 105 68.0 Net interest income
+90.7% +32.3%
82.0 62.0 43.0 Other income
— —
0.0 0.0 0.0 Net profit
+116.0% +28.6%
54.0 42.0 25.0 EPS (₹)
+85.6% +25.8%
8.15 6.48 4.39
Against its own trend ?
Trend Actual Gap
NII ₹60.1 ₹82.0
+36.4% above Net profit ₹38.5 ₹54.0
+40.1% above
M Cap ₹2,584 Cr
P/E 68.0
PEG —
Profit +331% above its own trend
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Total income
+57.1% +18.5%
77.0 65.0 49.0 Net interest income
+56.5% +33.3%
36.0 27.0 23.0 Other income
— —
0.0 0.0 0.0 Net profit
+366.7% +27.3%
14.0 11.0 3.0 EPS (₹)
+255.0% +10.9%
0.71 0.64 0.20
Against its own trend ?
Trend Actual Gap
NII ₹24.4 ₹36.0
+47.3% above Net profit ₹3.3 ₹14.0
+330.8% above
M Cap ₹336 Cr
P/E 9.6
PEG 0.44
Profit +45% above its own trend Operating margin expanded 480 bps YoY 38% of pre-tax profit came from other income and one-off items Core business grew faster than reported profit (core profit +160%) Operating cash flow was negative in FY26 despite a profit
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Sales
+39.1% -21.1%
44.0 55.8 31.6 Operating profit
+76.4% +243.6%
10.0 2.9 5.7 OPM %
+480 bps +1751 bps
22.7% 5.2% 17.9% Other income
+0.2% -6.7%
5.0 5.4 5.0 Net profit
+88.4% +151.0%
13.0 5.2 6.9 PAT margin %
+773 bps +2026 bps
29.5% 9.3% 21.8% EPS (₹)
+80.0% +140.0%
0.72 0.30 0.40
Quality of profit
Pre-tax profit ₹13.0 Cr: core business ₹8.0 Cr, other income ₹5.0 Cr.
Core profit YoY: +159.7%
· reported profit +88.4%
Cash & debt
FY26 cash from operations −₹4.0 Cr:
-14% of FY26 net profit of ₹28.7 Cr.
Borrowings ₹49.0 Cr at Mar 2026.
Against its own trend ?
Trend Actual Gap
Sales ₹33.6 ₹44.0
+31.0% above Net profit ₹8.9 ₹13.0
+45.3% above
M Cap ₹136 Cr
P/E 22.3
PEG 0.27
Profit -20% below its own trend Operating margin expanded 333 bps YoY Core business grew faster than reported profit (core profit +30%) Operating cash flow was negative in FY26 despite a profit
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Sales
+21.3% —
19.0 0.1 15.7 Operating profit
+26.6% from loss 15.0 -6.2 11.8 OPM %
+333 bps +900752 bps
78.9% -8928.6% 75.6% Other income
+7.5% +138.1%
1.0 0.4 0.9 Net profit
-4.5% from loss 12.0 -9.5 12.6 PAT margin %
-1700 bps +1360602 bps
63.2% -13542.9% 80.2% EPS (₹)
-7.8% from loss 20.80 -17.03 22.56
Quality of profit
Pre-tax profit ₹16.0 Cr: core business ₹15.0 Cr, other income ₹1.0 Cr.
Core profit YoY: +29.9%
· reported profit -4.5%
Cash & debt
FY26 cash from operations −₹23.9 Cr:
-358% of FY26 net profit of ₹6.7 Cr.
Borrowings ₹4.1 Cr at Mar 2026.
Against its own trend ?
Trend Actual Gap
Sales ₹24.7 ₹19.0
-23.2% below Net profit ₹15.0 ₹12.0
-19.9% below
M Cap ₹85.0 Cr
P/E 6.4
PEG 0.14
Operating margin contracted 47037 bps YoY Operating cash flow was negative in FY26 despite a profit
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Sales
-97.7% +158.3%
0.3 0.1 13.6 Operating profit
loss narrowed loss narrowed -1.5 -4.8 -2.3 OPM %
-47037 bps +353790 bps
-487.1% -4025.0% -16.7% Other income
-25.0% -40.0%
0.1 0.1 0.1 Net profit
loss narrowed loss narrowed -1.5 -4.1 -3.0 PAT margin %
-45186 bps +297581 bps
-474.2% -3450.0% -22.3% EPS (₹)
loss narrowed loss narrowed -1.47 -4.14 -1.57
Quality of profit
Pre-tax profit −₹1.4 Cr: core business −₹1.5 Cr, other income ₹0.1 Cr.
Core profit YoY: loss narrowed
Cash & debt
FY26 cash from operations −₹18.0 Cr:
-154% of FY26 net profit of ₹11.7 Cr.
Borrowings nil at Mar 2026.
Against its own trend ?
Trend Actual Gap
Sales ₹16.4 ₹0.3
-98.1% below
M Cap ₹52.0 Cr
P/E 19.1
PEG 0.52
Profit +549% above its own trend Operating margin expanded 1094 bps YoY 75% of pre-tax profit came from other income and one-off items Core business grew faster than reported profit (core profit +650%) FY26 operating cash flow was only 36% of profit
₹ Cr YoY QoQ
Jun 2026 Mar 2026 Jun 2025
Sales
+214.7% -7.8%
1.1 1.2 0.3 Operating profit
+800.0% from loss 0.2 -0.6 0.0 OPM %
+1094 bps +6510 bps
16.8% -48.3% 5.9% Other income
+450.0% -58.1%
0.4 1.1 0.1 Net profit
+480.0% +31.8%
0.6 0.4 0.1 PAT margin %
+2479 bps +1627 bps
54.2% 37.9% 29.4% EPS (₹)
+566.7% +33.3%
0.20 0.15 0.03
Quality of profit
Pre-tax profit ₹0.6 Cr: core business ₹0.1 Cr, other income ₹0.4 Cr.
Core profit YoY: +650.0%
· reported profit +480.0%
Cash & debt
FY26 cash from operations ₹0.7 Cr:
36% of FY26 net profit of ₹2.1 Cr.
Borrowings ₹0.7 Cr at Mar 2026.
Against its own trend ?
Trend Actual Gap
Sales ₹0.4 ₹1.1
+177.4% above Net profit ₹0.1 ₹0.6
+549.4% above
How to read this page
The numbers. Each card is one company's Q1 FY27 results as filed with NSE or BSE, read from the
filing within hours of its release, in ₹ crore. We show the consolidated statement, or the standalone one when
the consolidated figures are a copy of it or have no year-ago quarter to compare with. YoY compares with the same
quarter a year earlier and QoQ with the quarter before (the previous half-year for companies that report every six months).
A swing between profit and loss is described in words: a percentage across it would mislead.
Margins. Operating margin (OPM) is operating profit, before depreciation, interest and other income,
as a share of sales; PAT margin is net profit as a share of sales. Their changes are in basis points
(100 bps = 1 percentage point).
Quality of profit. Core profit is operating profit minus interest and depreciation: what the business
itself earned before tax. The rest of pre-tax profit is other income (interest on cash, dividends, gains on
investments) and exceptional or one-off items. We flag a quarter when that share is 25% or more,
and when reported profit grew much faster than core profit. For banks we compare pre-provision profit with net
profit, since a fall in provisions can lift profit without the business growing.
Against its own trend. We do not have analyst consensus estimates, and we do not make them up. Instead
each company is measured against the path it was on: the same quarter last year, grown at the median of its
last four year-on-year growth rates (held between −50% and +100%; at least two growth rates needed). Sales
5% or more above that, or net profit 10% or more above, is "above trend";
as far below is "below trend". It answers "was this quarter better or worse than the company's own recent
run?", which consensus does not.
Cash and debt. Profit is an accounting figure; cash is harder to dress up. For each company we show
its operating cash flow for the last financial year as a share of that year's net profit (flagged under
50%, or when it is negative despite a profit), and its borrowings at the latest balance sheet
against the one six months earlier (flagged at a 25% move). Balance sheets come with the
September and March results, cash-flow statements with the March results.
Price since results. The latest close against the last close before the filing (a filing after 3:30 pm
counts from the next session). It is a fact about the market's reaction, not advice.
Market cap groups. Large cap is the 100 largest companies by market value and mid cap the next 150
(SEBI's ranking); below that, small cap is ₹5,000 Cr or more, micro cap ₹500 Cr or more, nano cap below.
Data source Quarterly results filed by listed companies with NSE and BSE (Regulation 33 of SEBI LODR), read from each filing; share prices from the exchanges; market cap and P/E from our daily fundamentals snapshot.
Last updated 12 Oct 2026, 14:07 IST
