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Kreon Finnancial Services Q2 FY27 results: net profit up 117.6% to ₹4.46 crore, revenue up 48.5%
Kreon Finnancial Services Ltd reported Q2 FY27 standalone revenue of ₹14.61 crore, up 48.5% from Q2 FY26, while profit after tax rose 117.6% to ₹4.46 crore. Basic EPS was ₹2.20, compared with ₹1.01 a year earlier, and total income for the quarter was ₹16.89 crore. The company also reported ₹121.63 crore of quarterly disbursements and 96.62% collection efficiency.
Key points
- Q2 FY27 standalone revenue was ₹14.61 crore, up 48.5% from ₹9.84 crore in Q2 FY26, while total income rose 61.0% to ₹16.89 crore.
- Profit after tax increased 117.6% year on year to ₹4.46 crore, and basic EPS was ₹2.20 versus ₹1.01 in Q2 FY26.
- Profit before tax was ₹6.27 crore, up 120.0% from ₹2.85 crore, with PAT margin at 30.5% against 20.8%.
- For H1 FY27, revenue was ₹29.43 crore, total income was ₹32.69 crore and PAT was ₹8.87 crore, up 46.9%, 46.2% and 52.4% respectively.
- The quarter’s total expenses were ₹10.62 crore, including employee cost of ₹2.34 crore, finance costs of ₹0.68 crore, depreciation of ₹0.28 crore and other expenses of ₹5.71 crore.
How did Kreon Finnancial Services perform in Q2 FY27?
Kreon Finnancial Services reported standalone revenue of ₹14.61 crore for Q2 FY27, up 48.5% from ₹9.84 crore in Q2 FY26 and down 1.4% from ₹14.82 crore in Q1 FY27. Total income was ₹16.89 crore, up 61.0% year on year and 6.8% sequentially. EBITDA and EBITDA margin were not reported in the standalone figures.
Profit before tax was ₹6.27 crore, against ₹2.85 crore in Q2 FY26 and ₹5.40 crore in Q1 FY27. Profit after tax was ₹4.46 crore, up 117.6% year on year and 1.1% sequentially, while basic EPS was ₹2.20 versus ₹1.01 and ₹2.18, respectively. The PAT margin was 30.5%, compared with 20.8% a year earlier and 29.8% in the previous quarter. The filing also reported results excluding the investment division separately.
The quarter’s total expenses were ₹10.62 crore, against ₹7.64 crore in Q2 FY26 and ₹10.41 crore in Q1 FY27. Employee cost was ₹2.34 crore, finance costs ₹0.68 crore, depreciation ₹0.28 crore and other expenses ₹5.71 crore. Other income was ₹2.28 crore, compared with ₹0.65 crore a year earlier and ₹0.98 crore in the previous quarter. The company reported no exceptional item for the quarter.
| ₹ crore | Q2 FY27 | Q1 FY27 | Q2 FY26 | YoY | QoQ |
|---|---|---|---|---|---|
| Revenue from operations | 14.61 | 14.82 | 9.84 | +48.5% | −1.4% |
| Other income | 2.28 | 0.98 | 0.65 | +250.8% | +132.7% |
| Total expenses | 10.62 | 10.41 | 7.64 | +39.0% | +2.0% |
| Profit before tax | 6.27 | 5.40 | 2.85 | +120.0% | +16.1% |
| Tax | 1.81 | 0.99 | 0.80 | +126.2% | +82.8% |
| Net profit | 4.46 | 4.41 | 2.05 | +117.6% | +1.1% |
| EPS (₹) | 2.20 | 2.18 | 1.01 | +117.8% | +0.9% |
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 Kreon Finnancial Services' costs and profit?
The year-on-year increase in profit was accompanied by higher total income and higher other income, while expenses also rose. Other income increased by ₹1.63 crore to ₹2.28 crore, whereas total expenses increased by ₹2.98 crore to ₹10.62 crore. The filing does not state why other income changed.
Employee cost increased by ₹0.63 crore to ₹2.34 crore, depreciation rose by ₹0.10 crore to ₹0.28 crore and other expenses increased by ₹1.54 crore to ₹5.71 crore. Finance costs fell by ₹0.05 crore to ₹0.68 crore. Tax expense increased by ₹1.01 crore to ₹1.81 crore, with no exceptional item reported.
Profit before tax rose by ₹3.42 crore to ₹6.27 crore, and PAT increased by ₹2.41 crore to ₹4.46 crore. The filing gives the cost movements and other income but does not provide a further explanation for the change in profit.
| ₹ crore | Q2 FY27 | Q2 FY26 | Change | Change % |
|---|---|---|---|---|
| Employee cost | 2.34 | 1.71 | +0.63 | +36.8% |
| Finance costs | 0.68 | 0.73 | −0.05 | −6.8% |
| Depreciation | 0.28 | 0.18 | +0.10 | +55.6% |
| Other expenses | 5.71 | 4.17 | +1.54 | +36.9% |
| Total expenses | 10.62 | 7.64 | +2.98 | +39.0% |
| Other income | 2.28 | 0.65 | +1.63 | +250.8% |
| Tax | 1.81 | 0.80 | +1.01 | +126.2% |
Source: Company's results filing (XBRL).
How did the first half of FY27 go?
In the first half of FY27, standalone revenue was ₹29.43 crore, up ₹9.39 crore or 46.9% from ₹20.04 crore in H1 FY26. Total income rose 46.2% to ₹32.69 crore from ₹22.36 crore, while total expenses were ₹21.02 crore in the filing’s half-yearly results.
H1 FY27 profit before tax was ₹11.67 crore, up 51.6% from ₹7.70 crore, and PAT was ₹8.87 crore, up 52.4% from ₹5.82 crore. Half-yearly EPS was ₹4.39, compared with ₹2.88 in H1 FY26. H1 FY26 was derived from the company’s unaudited Q1 FY26 and Q2 FY26 results.
| ₹ crore | H1 FY27 | H1 FY26 | Change |
|---|---|---|---|
| Revenue from operations | 29.43 | 20.04 | +46.9% |
| Profit before tax | 11.67 | 7.70 | +51.6% |
| Net profit | 8.87 | 5.82 | +52.4% |
| EPS (₹) | 4.39 | 2.88 | +52.4% |
Source: Company's results filing (XBRL).
What do the balance sheet and cash flow show?
As of 30 September 2026, total assets were ₹82.37 crore, compared with ₹76.59 crore as of 31 March 2026. Total equity was ₹45.33 crore, up from ₹36.08 crore at the previous balance-sheet date, and cash was ₹2.57 crore versus ₹0.03 crore. Borrowings were not reported in the supplied standalone balance-sheet figures.
For H1 FY27, operating cash flow was ₹4.58 crore, compared with an outflow of ₹6.92 crore in H1 FY26. Investing cash flow was ₹1.02 crore against ₹11.50 crore, financing cash flow was an outflow of ₹5.29 crore against an outflow of ₹3.91 crore, and capital expenditure was ₹0.11 crore compared with ₹0.09 crore. Closing cash for the cash-flow statement was not reported.
| ₹ crore | As of 30 September 2026 | As of 31 March 2026 |
|---|---|---|
| Total assets | 82.37 | 76.59 |
| Total equity | 45.33 | 36.08 |
| Cash and equivalents | 2.57 | 0.03 |
| Inventories | 0 | 0 |
Source: Company's results filing (XBRL).
| ₹ crore | H1 FY27 | H1 FY26 |
|---|---|---|
| Cash from operations | 4.58 | −6.92 |
| Cash from investing | 1.02 | 11.50 |
| Cash from financing | −5.29 | −3.91 |
| Capital expenditure | 0.11 | 0.09 |
Source: Company's results filing (XBRL).
How has Kreon Finnancial Services done over the last 8 quarters?
Revenue rose year on year in each of the last eight quarters. It increased from ₹9.84 crore in Q2 FY26 to ₹10.18 crore in Q4 FY26 and ₹14.82 crore in Q1 FY27, before easing to ₹14.61 crore in Q2 FY27. Profit after tax moved from ₹2.05 crore in Q2 FY26 to ₹0.36 crore in Q4 FY26, then recovered to ₹4.41 crore in Q1 FY27 and ₹4.46 crore in Q2 FY27.
The highest revenue in the reported series was ₹14.82 crore in Q1 FY27, while the lowest was ₹6.46 crore in Q3 FY25. Profit after tax bottomed at a loss of ₹3.72 crore in Q3 FY25 and reached its highest reported level of ₹4.46 crore in Q2 FY27. EBITDA margin was not reported for the quarterly trend.
What else did the company announce?
The company’s same-day business update said that disbursements for the quarter were ₹121.63 crore, up 10.87% from ₹109.71 crore in Q1 FY27. Assets under management were ₹53.27 crore, transactions numbered 6,55,772, and collection efficiency was 96.62%. The filing also reported 154 employees and 2,29,526 students or users.
The board approved the unaudited standalone financial results for the quarter and half-year ended 30 September 2026 on 26 October 2026. The statutory auditors issued an unmodified opinion in their limited review report. The same-day filing also described the StuCred StartUps website as launched on 1 October 2026, with marketing scheduled for the first week of November 2026, and StuCred Alumni and MyDayPayDay as under development. No dividend, fund raise or appointment was stated in the supplied excerpts.
How did Kreon Finnancial Services shares react?
After the filing, the stock was down 1.0% after 30 minutes, according to the recorded reaction data. On the reaction day, it closed 3.9% higher from the previous close. By the next day’s close, the stock was up 4.6% from the pre-results close, and by the five-day close it was up 2.6%.
The NBFC industry’s median move was 0.3% on the reaction day, 0.6% by the next close and 1.7% by the five-day close. Kreon Finnancial Services therefore exceeded the industry median by 3.6 percentage points on the reaction day, 4.0 percentage points by the next close and 0.8 percentage points by the five-day close. Earlier reaction-day moves were 9.6% on 1 July 2026, minus 0.3% on 29 May 2026, minus 6.9% on 13 February 2026 and minus 1.9% on 6 November 2025.
| After the filing | Stock | Non Banking Financial Company (NBFC) median |
|---|---|---|
| 5 minutes | −0.0% | |
| 15 minutes | −0.0% | |
| 30 minutes | −1.0% | |
| Reaction day | +3.9% | +0.3% |
| Next day | +4.6% | +0.6% |
| 5 days | +2.6% | +1.7% |
Minutes are measured from the price when the filing appeared; days from the previous close. Source: MarketPing price-reaction measurement.
| Results filed on | Stock on the reaction day |
|---|---|
| 1 July 2026 | +9.6% |
| 29 May 2026 | −0.3% |
| 13 February 2026 | −6.9% |
| 6 November 2025 | −1.9% |
| 25 July 2025 | +10.0% |
| 16 May 2025 | +14.8% |
| 6 August 2024 | +3.2% |
| 29 May 2024 | −5.0% |
Source: MarketPing price-reaction measurement.
How did other Non Banking Financial Company (NBFC) companies do?
Seventy-seven other NBFC companies were compared for revenue growth, with a peer median revenue growth of 21.4%. Fifty-seven peers grew slower than Kreon Finnancial Services and 20 peers grew faster than the company. These counts do not include Kreon Finnancial Services itself.
Of the 85 peers for which profit was compared, 56 reported higher profit. Kreon Finnancial Services’ standalone Q2 FY27 revenue growth of 48.5% was above the peer median of 21.4%.
| Kreon Finnancial Services revenue growth (YoY) | +48.5% |
|---|---|
| Median of 77 other Non Banking Financial Company (NBFC) companies | +21.4% |
| Companies with slower revenue growth than Kreon Finnancial Services | 57 of 77 |
| Companies with faster revenue growth than Kreon Finnancial Services | 20 of 77 |
| Companies whose net profit rose | 56 of 85 |
Source: Filed results (XBRL) of the industry's companies.
Quick answers
What was Kreon Finnancial Services' revenue in Q2 FY27?
Revenue from operations was ₹14.61 crore, up 48.5% from ₹9.84 crore in Q2 FY26 (standalone).
Did Kreon Finnancial Services make a profit in Q2 FY27?
Yes. Net profit was ₹4.46 crore, against a net profit of ₹2.05 crore in Q2 FY26.
What was Kreon Finnancial Services' EPS in Q2 FY27?
Basic earnings per share were ₹2.20, against ₹1.01 in Q2 FY26.
How did Kreon Finnancial Services shares react to the Q2 FY27 results?
On the reaction day the stock moved +3.9% from the previous close; the median Non Banking Financial Company (NBFC) stock moved +0.3%.
When did Kreon Finnancial Services announce its Q2 FY27 results?
On 26 October 2026, in a filing to the BSE.
Sources
How this was written: every figure in the tables and charts is calculated from the company’s filed results (XBRL) and MarketPing’s price measurements. The text is drafted with AI from those figures and the filings, and a checker removes any sentence carrying a number it cannot trace to them. How we write these.
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