Please find enclosed the unaudited financial results for the Quarter ended December 31, 2025
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Garbi Finvest Limited, an NBFC, submitted its Q3 FY26 unaudited results on February 13, 2026. Total income for the quarter fell to Rs. 111.61 lakh from Rs. 186.32 lakh in the same quarter last year, a drop of about 40%, mainly due to lower interest income (Rs. 60.68 lakh vs Rs. 79.33 lakh) and sharply lower other income. Profit after tax for Q3 collapsed to Rs. 16.35 lakh from Rs. 124.52 lakh, an 87% YoY decline. For the 9-month period, PAT stood at Rs. 136.77 lakh vs Rs. 196.34 lakh, a ~30% decline. A new line item of Rs. 55.07 lakh as 'impairment on financial instruments' appeared this quarter, versus nil last year, further pressuring margins.
The sharp drop in quarterly profits, declining revenues, and a new impairment charge point to weakening business performance. The auditor's specific note that the company has not accounted for interest on all loan accounts raises red flags about the completeness of reported revenue, which shareholders should monitor closely as it may affect future reported earnings.