Submission of Financial Results of the Company for the Quarter and Nine Months ended December 31, 2025.
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Ceejay Finance Ltd, an Ahmedabad-based NBFC, reported Q3 FY26 total income of Rs 670.83 lakhs, down ~6.7% from Rs 718.70 lakhs in Q3 FY25, driven by lower interest income. However, profit after tax jumped ~47% YoY to Rs 168.30 lakhs (vs Rs 114.20 lakhs), helped by sharply lower other expenses (Rs 144.46 vs Rs 203.60 lakhs) and reduced impairment on financial instruments. For the nine-month period, total income grew modestly to Rs 1,982.81 lakhs (vs Rs 1,887.68 lakhs) while PAT rose ~7.7% to Rs 560.77 lakhs. EPS for the quarter stood at Rs 4.88 (vs Rs 3.31), and for nine months at Rs 16.25 (vs Rs 15.09). The auditor (Kantilal Patel & Co.) issued a standard clean limited review report with no qualifications.
Despite a top-line dip in Q3, sharp cost compression boosted profitability, which is a positive signal for shareholders. Investors should note that improved earnings are driven by lower expenses and impairment charges rather than core lending growth, which warrants monitoring in coming quarters.