Financial Results for the quarter and year ended 31-03-2026
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On the reaction day the stock moved in line with Nifty Microcap 250 and 0.1 pts less than its Non Banking Financial Company (NBFC) peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.
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Kumbhat Financial Services reported FY26 total income of Rs 710 lakhs, a significant jump from Rs 203.61 lakhs in FY25 (approx 3.5x growth), driven by higher interest income (Rs 581.23 lakhs) and fees and commission income (Rs 128.57 lakhs). However, PAT declined to Rs 82.55 lakhs from Rs 135.85 lakhs in the prior year as finance costs doubled to Rs 203.01 lakhs and fee/commission expenses surged to Rs 357.69 lakhs. The company posted negative operating cash flows of Rs 625.31 lakhs (vs Rs 1,195.48 lakhs in FY25) due to significant loan disbursements of Rs 923.32 lakhs. Cash balances dropped sharply from Rs 380.99 lakhs to Rs 14.27 lakhs, while borrowings rose from Rs 1,500 lakhs to Rs 1,962.50 lakhs. The auditor issued an unmodified opinion. The company re-appointed R V J & Company as internal auditors for FY27.
Strong revenue growth was offset by higher operating costs and finance expenses, resulting in PAT decline. Significant loan disbursements and rising debt levels against weak cash reserves indicate potential liquidity pressure. The stock may face scrutiny over profitability sustainability.