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Capital India Finance Q2 FY27 results: net profit down 89.5% to ₹3.96 crore, revenue up 77.7%
Capital India Finance Limited reported standalone revenue of ₹72.32 crore in Q2 FY27, up 77.7% from Q2 FY26 and 4.8% from Q1 FY27. Profit before tax was ₹5.34 crore and net profit was ₹3.96 crore, while basic EPS was ₹0.1.
Key points
- Standalone revenue rose to ₹72.32 crore in Q2 FY27 from ₹40.69 crore in Q2 FY26.
- Total income was ₹75.80 crore in Q2 FY27, up 84.4% from ₹41.10 crore a year earlier.
- Profit before tax fell to ₹5.34 crore from ₹44.07 crore in Q2 FY26, while net profit fell to ₹3.96 crore from ₹37.70 crore.
- Basic EPS was ₹0.1 in Q2 FY27, compared with ₹0.97 in Q2 FY26; it was unchanged from Q1 FY27.
- The lending business generated revenue of ₹69.06 crore and EBIT of ₹5.55 crore in Q2 FY27.
How did Capital India Finance perform in Q2 FY27?
Capital India Finance reported standalone revenue of ₹72.32 crore for Q2 FY27, up ₹31.63 crore, or 77.7%, from ₹40.69 crore in Q2 FY26. Against Q1 FY27, revenue rose ₹3.33 crore, or 4.8%, from ₹68.99 crore. Total income was ₹75.80 crore, up ₹34.70 crore, or 84.4%, year on year and ₹6.27 crore, or 9.0%, sequentially.
Profit before tax was ₹5.34 crore in Q2 FY27, compared with ₹44.07 crore in Q2 FY26 and ₹4.94 crore in Q1 FY27. Net profit was ₹3.96 crore, versus ₹37.70 crore a year earlier and ₹3.76 crore in the previous quarter. Basic EPS was ₹0.1, down from ₹0.97 year on year and unchanged from the previous quarter. EBITDA and EBITDA margin were not reported.
The filing covers both standalone and consolidated results, while the figures used here are standalone. The Board approved the unaudited standalone and consolidated results for the quarter and half year ended 30 September 2026 on 6 November 2026.
| ₹ crore | Q2 FY27 | Q1 FY27 | Q2 FY26 | YoY | QoQ |
|---|---|---|---|---|---|
| Revenue from operations | 72.32 | 68.99 | 40.69 | +77.7% | +4.8% |
| Other income | 3.47 | 0.54 | 0.41 | +746.3% | +542.6% |
| Total expenses | 70.45 | 64.58 | 94.95 | −25.8% | +9.1% |
| Profit before tax | 5.34 | 4.94 | 44.07 | −87.9% | +8.1% |
| Tax | 1.39 | 1.19 | 6.37 | −78.2% | +16.8% |
| Net profit | 3.96 | 3.76 | 37.70 | −89.5% | +5.3% |
| EPS (₹) | 0.10 | 0.10 | 0.97 | −89.7% | +0.0% |
EBITDA here is revenue from operations less operating costs (total expenses excluding finance costs and depreciation): before other income and exceptional items. Growth is shown only when both figures are positive. Source: Company's results filing (XBRL).
What changed in Capital India Finance's costs and profit?
Total expenses were ₹70.45 crore in Q2 FY27, down ₹24.50 crore, or 25.8%, from ₹94.95 crore in Q2 FY26, while other income rose ₹3.06 crore, or 746.3%, to ₹3.47 crore from ₹0.41 crore. Tax expense fell ₹4.98 crore, or 78.2%, to ₹1.39 crore from ₹6.37 crore. There was no exceptional item in the quarter.
Against Q2 FY26, employee cost was higher by ₹2.79 crore, or 14.3%, at ₹22.32 crore; finance costs rose ₹3.57 crore, or 18.3%, to ₹23.04 crore; depreciation increased ₹0.65 crore, or 28.5%, to ₹2.93 crore; and other expenses rose ₹17.43 crore, or 264.1%, to ₹24.03 crore from ₹6.60 crore. The filing does not state what caused these cost changes.
| ₹ crore | Q2 FY27 | Q2 FY26 | Change | Change % |
|---|---|---|---|---|
| Employee cost | 22.32 | 19.53 | +2.79 | +14.3% |
| Finance costs | 23.04 | 19.47 | +3.57 | +18.3% |
| Depreciation | 2.93 | 2.28 | +0.65 | +28.5% |
| Other expenses | 24.03 | 6.60 | +17.43 | +264.1% |
| Total expenses | 70.45 | 94.95 | −24.50 | −25.8% |
| Other income | 3.47 | 0.41 | +3.06 | +746.3% |
| Tax | 1.39 | 6.37 | −4.98 | −78.2% |
| Exceptional items | none | +97.92 (gain) |
Source: Company's results filing (XBRL).
How did the first half of FY27 go?
For H1 FY27, Capital India Finance reported revenue of ₹141.31 crore, up ₹55.15 crore, or 64.0%, from ₹86.16 crore in H1 FY26. Total income rose ₹58.41 crore, or 67.2%, to ₹145.32 crore from ₹86.91 crore.
Profit before tax fell ₹33.90 crore, or 76.7%, to ₹10.29 crore in H1 FY27 from ₹44.19 crore in H1 FY26. Net profit declined ₹30.10 crore, or 79.6%, to ₹7.71 crore from ₹37.81 crore, while EPS fell to ₹0.2 from ₹0.97.
| ₹ crore | H1 FY27 | H1 FY26 | Change |
|---|---|---|---|
| Revenue from operations | 141.31 | 86.16 | +64.0% |
| Profit before tax | 10.29 | 44.19 | −76.7% |
| Net profit | 7.71 | 37.81 | −79.6% |
| EPS (₹) | 0.20 | 0.97 | −79.4% |
Source: Company's results filing (XBRL).
What do the balance sheet and cash flow show?
At 30 September 2026, total assets were ₹1,661.52 crore, compared with ₹1,711.19 crore at 31 March 2026. Total equity was ₹678.85 crore against ₹669.32 crore at the previous balance sheet date, and cash was ₹122.07 crore against ₹175.70 crore. Borrowings were not reported.
For H1 FY27, operating cash flow was an outflow of ₹67.72 crore, compared with an outflow of ₹43.75 crore in H1 FY26. Investing cash flow was an inflow of ₹60.39 crore against ₹105.83 crore, financing cash flow was an outflow of ₹46.30 crore against ₹20.94 crore, and capital expenditure was ₹1.09 crore against ₹0.18 crore.
| ₹ crore | As of 30 September 2026 | As of 31 March 2026 |
|---|---|---|
| Total assets | 1,662 | 1,711 |
| Total equity | 678.85 | 669.32 |
| Cash and equivalents | 122.07 | 175.70 |
| Inventories | 0 | 0 |
Source: Company's results filing (XBRL).
| ₹ crore | H1 FY27 | H1 FY26 |
|---|---|---|
| Cash from operations | −67.72 | −43.75 |
| Cash from investing | 60.39 | 105.83 |
| Cash from financing | −46.30 | −20.94 |
| Capital expenditure | 1.09 | 0.18 |
Source: Company's results filing (XBRL).
How has Capital India Finance done over the last 8 quarters?
Revenue increased in each of the last four quarters on a year-on-year basis. Across the reported period, quarterly revenue was lowest at ₹40.69 crore in Q2 FY26 and highest at ₹72.32 crore in Q2 FY27, with the latest quarter continuing the upward sequence from ₹68.99 crore in Q1 FY27.
Net profit reached its highest level at ₹37.70 crore in Q2 FY26 and its lowest at a net loss of ₹0.42 crore in Q3 FY26. It subsequently rose to ₹2.97 crore in Q4 FY26, ₹3.76 crore in Q1 FY27 and ₹3.96 crore in Q2 FY27. EBITDA margin figures were not reported for the quarterly trend.
Which businesses drove the quarter?
The lending business reported revenue of ₹69.06 crore in Q2 FY27, up 98.9% from ₹34.72 crore in Q2 FY26. Its EBIT was ₹5.55 crore, compared with an EBIT loss of ₹51.91 crore a year earlier, and the segment EBIT margin was 8.0%.
The forex business reported revenue of ₹6.73 crore in Q2 FY27, up 5.5% from ₹6.38 crore in Q2 FY26. EBIT was an loss of ₹0.20 crore, compared with an EBIT loss of ₹1.94 crore a year earlier, while the segment EBIT margin was -3.0%.
| Segment | Revenue | Revenue YoY | EBIT | EBIT margin |
|---|---|---|---|---|
| Lending business | 69.06 | +98.9% | 5.55 | 8.0% |
| Forex business | 6.73 | +5.5% | −0.20 | -3.0% |
Source: Company's results filing (XBRL segment data).
How did other Non Banking Financial Company (NBFC) companies do?
Among 107 other Non Banking Financial Company companies compared for the quarter, the median revenue growth was 21.4%. Capital India Finance’s revenue growth was higher than that of 87 peers and lower than that of 20 peers. These comparisons are as of 6 November 2026.
Of the 123 peers for which profit was compared, 83 reported higher profit. Capital India Finance’s figures are standalone, while the peer data relates to companies in the Non Banking Financial Company industry.
| Capital India Finance revenue growth (YoY) | +77.7% |
|---|---|
| Median of 107 other Non Banking Financial Company (NBFC) companies | +21.4% |
| Companies with slower revenue growth than Capital India Finance | 87 of 107 |
| Companies with faster revenue growth than Capital India Finance | 20 of 107 |
| Companies whose net profit rose | 83 of 123 |
Source: Filed results (XBRL) of the industry's companies.
Quick answers
What was Capital India Finance's revenue in Q2 FY27?
Revenue from operations was ₹72.32 crore, up 77.7% from ₹40.69 crore in Q2 FY26 (standalone).
Did Capital India Finance make a profit in Q2 FY27?
Yes. Net profit was ₹3.96 crore, against a net profit of ₹37.70 crore in Q2 FY26.
What was Capital India Finance's EPS in Q2 FY27?
Basic earnings per share were ₹0.10, against ₹0.97 in Q2 FY26.
When did Capital India Finance announce its Q2 FY27 results?
On 6 November 2026, in a filing to the BSE.
Sources
- Board Meeting Intimation for Board Meeting To Be Held On November 06, 2026 (BSE, 31 October 2026) · PDF
- Financial Results (Standalone And Consolidated) For The Quarter And Half Year Ended September 30, 2026 (BSE, 6 November 2026) · PDF
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