Submission of Unaudited Financial Results of the Company for the Quarter ended 31.12.2025
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Sainik Finance & Industries, a Delhi-based non-banking finance company, posted Q3 FY26 revenue of Rs 441.21 lakhs, up about 12% YoY from Rs 392.56 lakhs in Q3 FY25, driven entirely by interest income. However, finance costs jumped sharply to Rs 285.76 lakhs (vs Rs 231.45 lakhs YoY, a 23.5% rise), squeezing profitability. Profit before tax for the quarter fell to Rs 123.51 lakhs from Rs 140.51 lakhs YoY, and nine-month PAT declined to Rs 291.05 lakhs from Rs 350.57 lakhs. Sequentially, PBT nearly doubled from Rs 61.27 lakhs in Q2 FY26, showing a recovery. EPS for Q3 stood at Rs 1.14 vs Rs 1.29 YoY; nine-month EPS at Rs 2.68 vs Rs 3.22 YoY. The statutory auditor Kumra Bhatia & Co. issued an unqualified limited review report with no qualifications.
Short-term negative for the stock as rising borrowing costs are outpacing interest income growth, compressing margins and dragging down YoY profits. The sequential improvement and clean audit are modest positives, but investors should watch whether finance cost growth can be brought under control.