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N.B.I. Industrial Finance Company Q2 FY27 results: net profit up 3.6% to ₹6.25 crore, revenue up 7.6%
N.B.I. Industrial Finance Company Limited reported standalone Q2 FY27 revenue of ₹9.24 crore and net profit of ₹6.25 crore, up from ₹8.59 crore and ₹6.03 crore in Q2 FY26. Against Q1 FY27, revenue rose 325.8% and net profit rose 463.1%, while basic EPS was ₹21.16.
Key points
- Standalone Q2 FY27 revenue was ₹9.24 crore, up 7.6% from ₹8.59 crore in Q2 FY26.
- Q2 FY27 profit before tax was ₹8.48 crore, up 7.2% from ₹7.91 crore in Q2 FY26.
- Net profit was ₹6.25 crore, up 3.6% from ₹6.03 crore in Q2 FY26, and basic EPS was ₹21.16.
- H1 FY27 revenue was ₹11.41 crore, up 26.6% from ₹9.01 crore in H1 FY26, while PAT was ₹7.36 crore, up 29.6%.
- Total assets were ₹2,683.99 crore as on 30 September 2026, compared with ₹2,725.84 crore as on 31 March 2026.
How did N.B.I. Industrial Finance Company perform in Q2 FY27?
N.B.I. Industrial Finance Company reported standalone revenue of ₹9.24 crore for Q2 FY27, compared with ₹8.59 crore in Q2 FY26 and ₹2.17 crore in Q1 FY27. This was a 7.6% year-on-year rise and a 325.8% rise from the previous quarter. Total income was ₹9.24 crore, against ₹8.59 crore and ₹2.19 crore in the respective comparison periods.
Profit before tax was ₹8.48 crore in Q2 FY27, up 7.2% from ₹7.91 crore a year earlier and 457.9% from ₹1.52 crore in Q1 FY27. The company reported a net profit of ₹6.25 crore, against ₹6.03 crore in Q2 FY26 and ₹1.11 crore in Q1 FY27. Basic EPS was ₹21.16, compared with ₹20.41 and ₹3.75. EBITDA and EBITDA margin were not provided for the quarter. The company’s filed results were standalone, and the filing did not give a separate consolidated comparison.
| ₹ crore | Q2 FY27 | Q1 FY27 | Q2 FY26 | YoY | QoQ |
|---|---|---|---|---|---|
| Revenue from operations | 9.24 | 2.17 | 8.59 | +7.6% | +325.8% |
| Other income | 0 | 0.02 | 0 | ||
| Total expenses | 0.76 | 0.67 | 0.68 | +11.8% | +13.4% |
| Profit before tax | 8.48 | 1.52 | 7.91 | +7.2% | +457.9% |
| Tax | 2.22 | 0.41 | 1.88 | +18.1% | +441.5% |
| Net profit | 6.25 | 1.11 | 6.03 | +3.6% | +463.1% |
| EPS (₹) | 21.16 | 3.75 | 20.41 | +3.7% | +464.3% |
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 N.B.I. Industrial Finance Company's costs and profit?
Total expenses increased to ₹0.76 crore in Q2 FY27 from ₹0.68 crore in Q2 FY26, a rise of ₹0.08 crore or 11.8%. Employee benefit expenses were ₹0.64 crore, up ₹0.14 crore or 28.0%, while other expenses declined to ₹0.12 crore from ₹0.18 crore. Finance costs and depreciation and amortisation were unchanged at ₹0 crore, and other income was unchanged at ₹0 crore. There was no exceptional item.
Tax expense rose to ₹2.22 crore from ₹1.88 crore in Q2 FY26, an increase of ₹0.34 crore or 18.1%. The PAT margin was 67.7%, down 2.5 percentage points from 70.2%. Against Q1 FY27, total expenses rose to ₹0.76 crore from ₹0.67 crore, employee benefit expenses rose to ₹0.64 crore from ₹0.54 crore, and other expenses fell to ₹0.12 crore from ₹0.13 crore. Other income declined to ₹0 crore from ₹0.02 crore and tax rose to ₹2.22 crore from ₹0.41 crore. The filing did not state the reasons for these changes.
| ₹ crore | Q2 FY27 | Q2 FY26 | Change | Change % |
|---|---|---|---|---|
| Employee cost | 0.64 | 0.50 | +0.14 | +28.0% |
| Finance costs | 0 | 0 | 0 | |
| Depreciation | 0 | 0 | 0 | |
| Other expenses | 0.12 | 0.18 | −0.06 | −33.3% |
| Total expenses | 0.76 | 0.68 | +0.08 | +11.8% |
| Other income | 0 | 0 | 0 | |
| Tax | 2.22 | 1.88 | +0.34 | +18.1% |
Source: Company's results filing (XBRL).
How did the first half of FY27 go?
For H1 FY27, the company reported revenue of ₹11.41 crore and total income of ₹11.43 crore, compared with ₹9.01 crore each in H1 FY26. Revenue increased 26.6% and total income increased 26.9%. Profit before tax was ₹9.99 crore, up 31.1% from ₹7.62 crore, while PAT was ₹7.36 crore, up 29.6% from ₹5.68 crore. Basic EPS for the half year was ₹24.91, compared with ₹19.23 in H1 FY26.
| ₹ crore | H1 FY27 | H1 FY26 | Change |
|---|---|---|---|
| Revenue from operations | 11.41 | 9.01 | +26.6% |
| Profit before tax | 9.99 | 7.62 | +31.1% |
| Net profit | 7.36 | 5.68 | +29.6% |
| EPS (₹) | 24.91 | 19.23 | +29.5% |
Source: Company's results filing (XBRL).
What do the balance sheet and cash flow show?
Total assets stood at ₹2,683.99 crore as on 30 September 2026, compared with ₹2,725.84 crore as on 31 March 2026. Total equity was ₹2,602.83 crore, compared with ₹2,638.35 crore at the previous balance sheet date. Cash was ₹0.20 crore, compared with ₹0.88 crore. The available balance-sheet data did not state borrowings, trade receivables or trade payables.
For H1 FY27, operating cash flow was ₹6.65 crore, compared with ₹4.09 crore in H1 FY26. Investing cash flow was negative ₹7.11 crore against negative ₹3.74 crore, while financing cash flow was negative ₹0.22 crore against negative ₹0.15 crore. Capital expenditure was ₹203.07 crore, compared with ₹84.04 crore in the year-earlier period. Closing cash for the cash-flow periods was not provided.
| ₹ crore | As of 30 September 2026 | As of 31 March 2026 |
|---|---|---|
| Total assets | 2,684 | 2,726 |
| Total equity | 2,603 | 2,638 |
| Cash and equivalents | 0.20 | 0.88 |
| Inventories | 0 | 0 |
Source: Company's results filing (XBRL).
| ₹ crore | H1 FY27 | H1 FY26 |
|---|---|---|
| Cash from operations | 6.65 | 4.09 |
| Cash from investing | −7.11 | −3.74 |
| Cash from financing | −0.22 | −0.15 |
| Capital expenditure | 203.07 | 84.04 |
Source: Company's results filing (XBRL).
How has N.B.I. Industrial Finance Company done over the last 8 quarters?
Revenue increased year on year in each of the last two quarters. It reached ₹13.32 crore in Q4 FY25, the highest point in the reported quarterly series, while the lowest was ₹0.42 crore in Q1 FY26. Revenue then rose to ₹1.33 crore in Q4 FY26, ₹2.17 crore in Q1 FY27 and ₹9.24 crore in Q2 FY27.
PAT peaked at ₹8.15 crore in Q4 FY25 and bottomed at a loss of ₹0.35 crore in Q1 FY26. It subsequently moved to ₹0.26 crore in Q4 FY26, ₹1.11 crore in Q1 FY27 and ₹6.25 crore in Q2 FY27. The reported series did not provide EBITDA margins, so the direction of margin could not be stated.
What else did the company announce?
The board approved the unaudited financial results for the quarter and half year ended 30 September 2026, together with the statutory auditors’ limited review report, on 5 November 2026. The board also approved a change in the registered office from HMP House, 4 Fairlie Place, 2nd floor, Room No. 229, Kolkata – 700 001 to 21, Strand Road, Kolkata 700 001, effective from 18 November 2026. The same-day filings did not announce a dividend, fund raise or appointment.
How did N.B.I. Industrial Finance Company shares react?
After the filing appeared in the market, the stock was up 1.4% at 5 minutes, 15 minutes and 30 minutes. By the close of the first session that could trade on the news, it had fallen 0.9% from the previous close of ₹1,797.60. The industry median was up 0.6%, so the stock underperformed the sector by 1.5 percentage points on the reaction day. No one-day or five-day moves were provided.
Earlier reaction-day moves were mixed: the stock fell 1.4% on 11 August 2026 and rose 0.1% on 13 May 2026. It then fell 2.5% on 27 January 2026, 2.8% on 11 November 2025 and 0.5% on 21 July 2025. The stock rose 0.5% on 22 May 2025, before falling 5.0% on 11 February 2025 and 5.1% on 13 November 2024.
| After the filing | Stock | Non Banking Financial Company (NBFC) median |
|---|---|---|
| 5 minutes | +1.4% | |
| 15 minutes | +1.4% | |
| 30 minutes | +1.4% | |
| Reaction day | −0.9% | +0.6% |
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 |
|---|---|
| 11 August 2026 | −1.4% |
| 13 May 2026 | +0.1% |
| 27 January 2026 | −2.5% |
| 11 November 2025 | −2.8% |
| 21 July 2025 | −0.5% |
| 22 May 2025 | +0.5% |
| 11 February 2025 | −5.0% |
| 13 November 2024 | −5.1% |
Source: MarketPing price-reaction measurement.
How did other Non Banking Financial Company (NBFC) companies do?
The comparison covered 89 other NBFC companies for revenue growth, with a median revenue growth of 22.7% as of 5 November 2026. Among the peers, 27 grew more slowly than N.B.I. Industrial Finance Company and 62 grew faster. For profit, 67 of the 102 peers compared reported higher profit. The company’s own Q2 FY27 revenue growth was 7.6%.
| N.B.I. Industrial Finance Company revenue growth (YoY) | +7.6% |
|---|---|
| Median of 89 other Non Banking Financial Company (NBFC) companies | +22.7% |
| Companies with slower revenue growth than N.B.I. Industrial Finance Company | 27 of 89 |
| Companies with faster revenue growth than N.B.I. Industrial Finance Company | 62 of 89 |
| Companies whose net profit rose | 67 of 102 |
Source: Filed results (XBRL) of the industry's companies.
Quick answers
What was N.B.I. Industrial Finance Company's revenue in Q2 FY27?
Revenue from operations was ₹9.24 crore, up 7.6% from ₹8.59 crore in Q2 FY26 (standalone).
Did N.B.I. Industrial Finance Company make a profit in Q2 FY27?
Yes. Net profit was ₹6.25 crore, against a net profit of ₹6.03 crore in Q2 FY26.
What was N.B.I. Industrial Finance Company's EPS in Q2 FY27?
Basic earnings per share were ₹21.16, against ₹20.41 in Q2 FY26.
How did N.B.I. Industrial Finance Company shares react to the Q2 FY27 results?
On the reaction day the stock moved −0.9% from the previous close; the median Non Banking Financial Company (NBFC) stock moved +0.6%.
When did N.B.I. Industrial Finance Company announce its Q2 FY27 results?
On 5 November 2026, in a filing to the NSE.
Sources
- Outcome of Board Meeting (NSE, 5 November 2026) · PDF
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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