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Libord Finance Q2 FY27 results: net loss of ₹0.10 crore vs ₹0.41 crore profit, revenue down 18.7%
Libord Finance Ltd reported standalone revenue of ₹0.61 crore and a net loss of ₹0.10 crore for Q2 FY27. Revenue was lower than ₹0.75 crore in Q2 FY26 but higher than ₹0.23 crore in Q1 FY27, while total expenses were ₹0.71 crore.
Key points
- Revenue was ₹0.61 crore in Q2 FY27, down ₹0.14 crore or 18.7% from Q2 FY26 and up ₹0.38 crore or 165.2% from Q1 FY27.
- Libord Finance reported a net loss of ₹0.10 crore in Q2 FY27, compared with a net profit of ₹0.41 crore in Q2 FY26 and a net loss of ₹0.46 crore in Q1 FY27.
- Total expenses were ₹0.71 crore in Q2 FY27, up ₹0.37 crore or 108.8% from Q2 FY26; finance costs were ₹0.19 crore and other expenses were ₹0.28 crore.
- Basic EPS was ₹0.06 for the quarter, compared with ₹0.26 in Q2 FY26 and ₹0.29 in Q1 FY27, while the H1 FY27 loss per share was ₹0.36.
- For H1 FY27, revenue was ₹0.83 crore and total income was ₹0.86 crore, while profit before tax was a loss of ₹0.55 crore and net profit was a loss of ₹0.56 crore.
How did Libord Finance perform in Q2 FY27?
Libord Finance reported standalone revenue of ₹0.61 crore in Q2 FY27, down ₹0.14 crore or 18.7% from Q2 FY26. Total income was also ₹0.61 crore, against ₹0.75 crore a year earlier. Against Q1 FY27, revenue was higher by ₹0.38 crore or 165.2%, while total income rose by ₹0.36 crore or 144.0%. The filing gives the figures on a standalone basis.
The company reported a net loss of ₹0.10 crore in Q2 FY27, compared with a net profit of ₹0.41 crore in Q2 FY26. The loss narrowed from ₹0.46 crore in Q1 FY27. Basic EPS was ₹0.06, against ₹0.26 in the year-ago quarter and ₹0.29 in the previous quarter. The available results do not provide EBITDA or an EBITDA margin.
| ₹ crore | Q2 FY27 | Q1 FY27 | Q2 FY26 | YoY | QoQ |
|---|---|---|---|---|---|
| Revenue from operations | 0.61 | 0.23 | 0.75 | −18.7% | +165.2% |
| Other income | 0.01 | 0.02 | 0 | −50.0% | |
| Total expenses | 0.71 | 0.71 | 0.34 | +108.8% | +0.0% |
| Profit before tax | −0.09 | −0.46 | 0.41 | turned to loss | |
| Tax | 0 | 0 | 0 | ||
| Net profit | −0.10 | −0.46 | 0.41 | turned to loss | |
| EPS (₹) | −0.06 | −0.29 | 0.26 | turned to loss |
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 Libord Finance's costs and profit?
Total expenses rose to ₹0.71 crore in Q2 FY27 from ₹0.34 crore in Q2 FY26, an increase of ₹0.37 crore or 108.8%. Finance costs increased by ₹0.18 crore or 1800.0% to ₹0.19 crore, while other expenses rose by ₹0.23 crore or 460.0% to ₹0.28 crore. Employee costs were lower by ₹0.06 crore or 26.1% at ₹0.17 crore, and depreciation was ₹0.06 crore, up ₹0.01 crore or 20.0%.
Other income was ₹0.01 crore in Q2 FY27, compared with ₹0 crore in Q2 FY26. There was no exceptional item. Tax was unchanged at ₹0 crore, while the profit margin moved from 54.8% to -15.9%, a decline of 70.7 percentage points. Against Q1 FY27, total expenses were unchanged at ₹0.71 crore; finance costs rose by ₹0.17 crore or 850.0%, while other expenses fell by ₹0.17 crore or 37.8%.
| ₹ crore | Q2 FY27 | Q2 FY26 | Change | Change % |
|---|---|---|---|---|
| Employee cost | 0.17 | 0.23 | −0.06 | −26.1% |
| Finance costs | 0.19 | 0.01 | +0.18 | +1800.0% |
| Depreciation | 0.06 | 0.05 | +0.01 | +20.0% |
| Other expenses | 0.28 | 0.05 | +0.23 | +460.0% |
| Total expenses | 0.71 | 0.34 | +0.37 | +108.8% |
| Other income | 0.01 | 0 | +0.01 | |
| Tax | 0 | 0 | 0 |
Source: Company's results filing (XBRL).
How did the first half of FY27 go?
In the first half of FY27, Libord Finance reported revenue of ₹0.83 crore and total income of ₹0.86 crore. Revenue was lower by ₹0.29 crore or 25.9% from ₹1.12 crore in H1 FY26, and total income was lower by ₹0.26 crore or 23.2% from ₹1.12 crore. The standalone results also showed other income of ₹0.02 crore for the half year.
| ₹ crore | H1 FY27 | H1 FY26 | Change |
|---|---|---|---|
| Revenue from operations | 0.83 | 1.12 | −25.9% |
| Profit before tax | −0.55 | 0.44 | turned to loss |
| Net profit | −0.56 | 0.44 | turned to loss |
| EPS (₹) | −0.36 | 0.28 |
Source: Company's results filing (XBRL).
What do the balance sheet and cash flow show?
Total assets were ₹24.89 crore as of 30 September 2026, compared with ₹17.5 crore as of 31 March 2026. Total equity was ₹17.06 crore, compared with ₹17.25 crore at the previous balance sheet date. Cash and cash equivalents were ₹0.26 crore, compared with ₹0.04 crore. Borrowings and inventories were not reported as amounts; inventories had no amount. The filing identifies the company as an NBFC and states that it has no separate reportable segments.
Operating cash flow for H1 FY27 was a net outflow of ₹0.85 crore, compared with an inflow of ₹0.14 crore in H1 FY26. Investing cash flow was an inflow of ₹1.07 crore, compared with an outflow of ₹0.15 crore a year earlier. Financing cash flow was ₹0 crore in both periods, while capital expenditure was ₹0.01 crore in H1 FY27 and ₹0 crore in H1 FY26. Closing cash was not reported.
| ₹ crore | As of 30 September 2026 | As of 31 March 2026 |
|---|---|---|
| Total assets | 24.89 | 17.50 |
| Total equity | 17.06 | 17.25 |
| Cash and equivalents | 0.26 | 0.04 |
| Inventories | 0 | 0 |
Source: Company's results filing (XBRL).
| ₹ crore | H1 FY27 | H1 FY26 |
|---|---|---|
| Cash from operations | −0.85 | 0.14 |
| Cash from investing | 1.07 | −0.15 |
| Cash from financing | 0 | 0 |
| Capital expenditure | 0.01 | 0 |
Source: Company's results filing (XBRL).
How has Libord Finance done over the last 8 quarters?
Revenue reached ₹0.75 crore in Q2 FY26, its highest level in the reported period, and was ₹0.16 crore in Q3 FY25, its lowest. It then declined to ₹0.24 crore in Q3 FY26 and ₹0.22 crore in Q4 FY26 before rising to ₹0.23 crore in Q1 FY27 and ₹0.61 crore in Q2 FY27. The latest quarter therefore points to a higher revenue level than in the two preceding quarters.
Net profit was highest at ₹0.41 crore in Q2 FY26 and lowest at a loss of ₹0.66 crore in Q3 FY25. It moved to ₹0.22 crore in Q3 FY26, a loss of ₹0.03 crore in Q4 FY26 and a loss of ₹0.46 crore in Q1 FY27, before improving to a loss of ₹0.10 crore in Q2 FY27. The available trend data does not provide EBITDA margins for these quarters.
How did other Non Banking Financial Company (NBFC) companies do?
Among the 88 other NBFC companies compared, the median revenue growth was 23.4% as of 5 November 2026. Thirteen peers grew slower than Libord Finance and 74 grew faster than the company. Of the 101 peers for which profit was compared, 67 reported higher profit.
| Libord Finance revenue growth (YoY) | −18.7% |
|---|---|
| Median of 88 other Non Banking Financial Company (NBFC) companies | +23.4% |
| Companies with slower revenue growth than Libord Finance | 13 of 88 |
| Companies with faster revenue growth than Libord Finance | 74 of 88 |
| Companies whose net profit rose | 67 of 101 |
Source: Filed results (XBRL) of the industry's companies.
Quick answers
What was Libord Finance's revenue in Q2 FY27?
Revenue from operations was ₹0.61 crore, down 18.7% from ₹0.75 crore in Q2 FY26 (standalone).
Did Libord Finance make a profit in Q2 FY27?
No. It reported a net loss of ₹0.10 crore, against a net profit of ₹0.41 crore in Q2 FY26.
What was Libord Finance's EPS in Q2 FY27?
Basic loss per share was ₹0.06, against ₹0.26 in Q2 FY26.
When did Libord Finance announce its Q2 FY27 results?
On 4 November 2026, in a filing to the BSE.
Sources
- Board Meeting Intimation for The Forthcoming Meeting Of The Board Of Directors Scheduled To Be Held On November 4, 2026 (BSE, 28 October 2026) · PDF
- Results - Financial Results For Sep 30, 2026 (BSE, 4 November 2026) · PDF
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