Unaudited Financial Results for the Quarter and Nine Months ended December 31, 2025
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Smart Finsec Ltd, which operates in NBFC and Real Estate segments, reported unaudited results for Q3 FY26 and the nine months ended December 31, 2025. Total income from operations for Q3 FY26 stood at Rs. 50.82 lakhs, down about 12% from Rs. 58.05 lakhs in Q3 FY25. For the nine-month period, total income fell roughly 24% YoY to Rs. 146.48 lakhs (9M FY25: Rs. 192.73 lakhs), with the NBFC segment being the main drag, while Real Estate rental income remained steady at around Rs. 22 lakhs. Net profit after tax for Q3 FY26 was Rs. 31.91 lakhs (vs Rs. 30.24 lakhs in Q3 FY25), and for 9M FY26 it was Rs. 80.78 lakhs vs Rs. 66.96 lakhs in 9M FY25, a growth of around 21%. EPS for 9M FY26 was Rs. 0.27. The statutory auditor, A. Mohan & Co., issued a clean limited review report with no qualifications or emphasis of matter.
For shareholders, the picture is mixed: top-line revenue is shrinking sharply, mainly in the NBFC lending/investment book, but the company has managed to protect and modestly grow profits through lower employee and administrative costs. Watch the NBFC segment closely as sustained revenue erosion could eventually pressure earnings; the clean auditor report removes near-term governance concerns.