Submission of Financial Results for the Quarter and Half Year ended September 30, 2025
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Ceejay Finance, a Gujarat-based NBFC, reported Q2 FY26 total income of Rs 665.83 lakhs, up 5.7% from Rs 630.21 lakhs in Q2 FY25, driven by interest income of Rs 665.76 lakhs. Half-yearly total income rose 12.2% to Rs 1,311.98 lakhs from Rs 1,168.98 lakhs. However, net profit for H1 FY26 dipped 3.4% to Rs 392.48 lakhs (from Rs 406.49 lakhs) and Q2 PAT fell 4.1% to Rs 217.85 lakhs, as employee costs jumped ~30% and impairment provisions on financial instruments swung from a reversal of Rs 38.66 lakhs to a charge of Rs 32.95 lakhs. H1 EPS stood at Rs 11.38 versus Rs 11.78 earlier. The auditor (Kantilal Patel & Co.) issued a clean limited review report with no qualifications. On a positive note, operating cash flow turned sharply positive at Rs 258.36 lakhs (versus a negative Rs 560.12 lakhs in H1 FY25) and borrowings were trimmed to Rs 4,418 lakhs.
Modest revenue growth was offset by rising costs and higher impairment provisions, leading to a slight dip in profitability and margin compression — a mildly negative signal for shareholders. However, the strong swing in operating cash flow and debt reduction strengthen the balance sheet, providing some support.