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Ceejay Finance Q2 FY27 results: net profit down 40.8% to ₹1.29 crore, revenue down 0.6%
Ceejay Finance Ltd reported standalone Q2 FY27 revenue of ₹6.62 crore and a net profit of ₹1.29 crore. Compared with Q2 FY26, revenue fell 0.6%, while profit before tax fell 36.5% and net profit fell 40.8% to ₹1.29 crore; basic EPS was ₹3.74.
Key points
- Standalone revenue was ₹6.62 crore in Q2 FY27, down 0.6% from ₹6.66 crore in Q2 FY26.
- Net profit was ₹1.29 crore, down 40.8% from ₹2.18 crore in Q2 FY26.
- Profit before tax fell 36.5% to ₹1.86 crore from ₹2.93 crore, while basic EPS was ₹3.74.
- Total expenses rose 28.2% to ₹4.78 crore from ₹3.73 crore, with other expenses up 46.3% to ₹2.40 crore.
- For H1 FY27, revenue was ₹12.74 crore, down 2.5%, and net profit was ₹3.3 crore, down 15.8%.
How did Ceejay Finance perform in Q2 FY27?
Ceejay Finance’s standalone revenue for Q2 FY27 was ₹6.62 crore, compared with ₹6.66 crore in Q2 FY26 and ₹6.11 crore in Q1 FY27. The quarter’s profit before tax was ₹1.86 crore, down from ₹2.93 crore a year ago and ₹2.54 crore in the previous quarter. Net profit was ₹1.29 crore, compared with ₹2.18 crore and ₹2.01 crore, respectively.
Basic EPS was ₹3.74 in Q2 FY27, compared with ₹6.32 in Q2 FY26 and ₹5.82 in Q1 FY27. Revenue was down 0.6% from the year-ago quarter and up 8.3% from the previous quarter, while profit before tax fell 36.5% and 26.8% against those periods. EBITDA and EBITDA margin were not reported in the supplied figures. The results are standalone; the filing also presents the quarter and half-year unaudited results.
| ₹ crore | Q2 FY27 | Q1 FY27 | Q2 FY26 | YoY | QoQ |
|---|---|---|---|---|---|
| Revenue from operations | 6.62 | 6.11 | 6.66 | −0.6% | +8.3% |
| Other income | 0.01 | 0.01 | 0 | +0.0% | |
| Total expenses | 4.78 | 3.58 | 3.73 | +28.2% | +33.5% |
| Profit before tax | 1.86 | 2.54 | 2.93 | −36.5% | −26.8% |
| Tax | 0.57 | 0.53 | 0.75 | −24.0% | +7.5% |
| Net profit | 1.29 | 2.01 | 2.18 | −40.8% | −35.8% |
| EPS (₹) | 3.74 | 5.82 | 6.32 | −40.8% | −35.7% |
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 Ceejay Finance's costs and profit?
Total expenses were ₹4.78 crore in Q2 FY27, up 28.2% from ₹3.73 crore in Q2 FY26. Other expenses increased 46.3% to ₹2.40 crore from ₹1.64 crore, while finance costs rose 3.3% to ₹0.93 crore from ₹0.90 crore. Employee cost fell 14.0% to ₹0.98 crore from ₹1.14 crore, and depreciation was unchanged at ₹0.11 crore. The filing also reports impairment of financial instruments of ₹36.64 lakh in Q2 FY27, against a negative ₹5.75 lakh in Q2 FY26.
Other income was ₹0.01 crore in Q2 FY27, compared with no other income in Q2 FY26, and there was no exceptional item. Tax expense was ₹0.57 crore, down 24.0% from ₹0.75 crore in Q2 FY26. The filing does not state the reasons for the changes in other expenses or impairment of financial instruments.
| ₹ crore | Q2 FY27 | Q2 FY26 | Change | Change % |
|---|---|---|---|---|
| Employee cost | 0.98 | 1.14 | −0.16 | −14.0% |
| Finance costs | 0.93 | 0.90 | +0.03 | +3.3% |
| Depreciation | 0.11 | 0.11 | 0 | +0.0% |
| Other expenses | 2.40 | 1.64 | +0.76 | +46.3% |
| Total expenses | 4.78 | 3.73 | +1.05 | +28.2% |
| Other income | 0.01 | 0 | +0.01 | |
| Tax | 0.57 | 0.75 | −0.18 | −24.0% |
Source: Company's results filing (XBRL).
How did the first half of FY27 go?
In the first half of FY27, standalone revenue was ₹12.74 crore, compared with ₹13.06 crore in H1 FY26, a fall of 2.5%. Total income was ₹12.76 crore against ₹13.12 crore, down 2.7%, while profit before tax was ₹4.4 crore against ₹5.29 crore, down 16.8%.
H1 FY27 net profit was ₹3.3 crore, compared with ₹3.92 crore in H1 FY26, down 15.8%. Basic EPS was ₹9.56 in H1 FY27 against ₹11.38 in H1 FY26, down 16.0%.
| ₹ crore | H1 FY27 | H1 FY26 | Change |
|---|---|---|---|
| Revenue from operations | 12.74 | 13.06 | −2.5% |
| Profit before tax | 4.40 | 5.29 | −16.8% |
| Net profit | 3.30 | 3.92 | −15.8% |
| EPS (₹) | 9.56 | 11.38 | −16.0% |
Source: Company's results filing (XBRL).
What do the balance sheet and cash flow show?
For H1 FY27, operating cash flow was ₹2.57 crore, compared with ₹2.58 crore in H1 FY26. Investing cash flow was negative ₹1.43 crore against positive ₹0.03 crore, financing cash flow was negative ₹1.58 crore against negative ₹2.58 crore, and capital expenditure was ₹0.32 crore against ₹0.04 crore.
| ₹ crore | As of 30 September 2026 | As of 31 March 2026 |
|---|---|---|
| Total assets | 131.66 | 130.12 |
| Total equity | 86.31 | 83.05 |
| Cash and equivalents | 0.57 | 1.01 |
| Inventories | 0 | 0 |
Source: Company's results filing (XBRL).
| ₹ crore | H1 FY27 | H1 FY26 |
|---|---|---|
| Cash from operations | 2.57 | 2.58 |
| Cash from investing | −1.43 | 0.03 |
| Cash from financing | −1.58 | −2.58 |
| Capital expenditure | 0.32 | 0.04 |
Source: Company's results filing (XBRL).
How has Ceejay Finance done over the last 8 quarters?
Revenue increased from ₹6.4 crore in Q1 FY26 to ₹6.66 crore in Q2 FY26 and remained in the ₹6.6–₹6.8 crore range through Q4 FY26, before falling to ₹6.11 crore in Q1 FY27 and recovering to ₹6.62 crore in Q2 FY27. Net profit moved from ₹2.18 crore in Q2 FY26 to ₹2.11 crore in Q4 FY26 and ₹2.01 crore in Q1 FY27, then fell to ₹1.29 crore in Q2 FY27. EBITDA margins were not reported for the quarters in the supplied trend data.
How did other Non Banking Financial Company (NBFC) companies do?
Ceejay Finance was compared with 77 other NBFC companies for revenue growth, and 85 peers for profit growth, as of 5 November 2026. The median peer revenue growth was 21.6%, while 18 peers grew slower than Ceejay Finance and 59 grew faster. Profit was higher at 57 peers.
| Ceejay Finance revenue growth (YoY) | −0.6% |
|---|---|
| Median of 77 other Non Banking Financial Company (NBFC) companies | +21.6% |
| Companies with slower revenue growth than Ceejay Finance | 18 of 77 |
| Companies with faster revenue growth than Ceejay Finance | 59 of 77 |
| Companies whose net profit rose | 57 of 85 |
Source: Filed results (XBRL) of the industry's companies.
Quick answers
What was Ceejay Finance's revenue in Q2 FY27?
Revenue from operations was ₹6.62 crore, down 0.6% from ₹6.66 crore in Q2 FY26 (standalone).
Did Ceejay Finance make a profit in Q2 FY27?
Yes. Net profit was ₹1.29 crore, against a net profit of ₹2.18 crore in Q2 FY26.
What was Ceejay Finance's EPS in Q2 FY27?
Basic earnings per share were ₹3.74, against ₹6.32 in Q2 FY26.
When did Ceejay Finance announce its Q2 FY27 results?
On 3 November 2026, in a filing to the BSE.
Sources
- Board Meeting Intimation for Financial Results. (BSE, 27 October 2026) · PDF
- Board Meeting Outcome for Financial Results. (BSE, 3 November 2026) · PDF
- Submission Of Financial Results (BSE, 3 November 2026) · PDF
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