Submission of Outcome of Board Meeting held on 14th November, 2025 in which Unaudited financial result of the Company for the quarter ended 30.09.2025 has been approved.
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Sainik Finance & Industries (an NBFC focused on financing activities) reported its Q2 FY26 unaudited results, which were approved at the Board meeting on 14 November 2025 and reviewed by auditor M/s. Kumra Bhatia & Co. Revenue from operations for the quarter stood at Rs. 408.95 lakhs, up about 6% YoY from Rs. 385.76 lakhs, while H1 FY26 revenue was Rs. 770.94 lakhs vs Rs. 748.97 lakhs in H1 FY25 (about 3% growth). However, profit before tax fell sharply to Rs. 61.27 lakhs (vs Rs. 130.45 lakhs YoY, a ~53% drop) and PAT dropped to Rs. 72.98 lakhs (vs Rs. 127.51 lakhs, ~43% decline), with EPS at Rs. 0.67 vs Rs. 1.17. The decline was driven mainly by higher finance costs and a spike in impairment of financial instruments to Rs. 46.55 lakhs in the quarter. Cash flow from operating activities was sharply negative at Rs. (3,495.67) lakhs for H1 FY26, while borrowings expanded to Rs. 11,307.46 lakhs (up from Rs. 9,231.07 lakhs a year earlier), pushing total assets to Rs. 16,822.42 lakhs.
Despite modest revenue growth, sharp compression in profits and a strongly negative operating cash flow may weigh on the stock, as rising impairments and finance costs are eroding margins. The borrowings have grown faster than the loan book indicates margin pressure at the NBFC level, though the auditor's limited review report was clean with no qualifications.