Indostar Capital Finance's Q4 FY 2025-26 Quarterly Results

Result Summary

• Indostar Capital Finance Ltd reported a 0.1% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Mar (Q4 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a decline of 7.5%.
• Its expenses for the quarter were down by 3.0% QoQ and 19.1% YoY.
• The net profit decreased 5207.6% QoQ and decreased 1271.4% YoY.
• The earnings per share (EPS) of Indostar Capital Finance Ltd declined at 26.24 during Q4 FY 2025-26.

Financial Statments for Q4 FY 2025-26

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Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

Indostar Capital Finance Ltd is a non-banking financial company (NBFC) based in India. It focuses primarily on lending activities, offering a range of financial services that include vehicle finance, home loans, corporate lending, and SME (Small and Medium Enterprises) lending. The company operates within the financial services industry, which is subject to regulatory oversight by the Reserve Bank of India. Recent major developments in the industry have included regulatory changes and economic conditions affecting the lending environment, although specific recent changes affecting Indostar Capital Finance Ltd are not detailed in the provided data.

Revenue

In the fourth quarter of the fiscal year 2026 (Q4FY26), Indostar Capital Finance Ltd reported a total income of ₹346.78 crores. This represents a marginal increase of 0.1% compared to the previous quarter (Q3FY26), where the total income was ₹346.52 crores. However, when compared year-over-year (YoY) to the fourth quarter of the fiscal year 2025 (Q4FY25), which recorded a total income of ₹375.01 crores, there is a decrease of 7.5%. The quarterly and annual changes highlight how the company’s revenue has slightly grown over the last quarter but has decreased compared to the same period in the previous year.

Profitability

For Q4FY26, Indostar Capital Finance Ltd reported a significant loss in profitability. The Profit Before Tax (PBT) was recorded at -₹423.92 crores. This is a substantial drop from the previous quarter (Q3FY26), which had a PBT of ₹8.31 crores, marking a quarter-over-quarter (QoQ) change of -5201.3%. Compared to Q4FY25, which had a PBT of ₹12.52 crores, the year-over-year (YoY) change is -3485.9%. The Profit After Tax (PAT) also reflects a similar decline, with a figure of -₹423.93 crores for Q4FY26, compared to ₹8.30 crores in Q3FY26 and ₹36.19 crores in Q4FY25. These figures indicate that the company has experienced a drastic decline in profitability on both a quarterly and annual basis.

Operating Metrics

For the fourth quarter of FY26, the company’s total expenses were ₹253.43 crores, a decrease of 3.0% from the previous quarter when expenses were ₹261.29 crores. Year-over-year, total expenses have decreased by 19.1% from ₹313.10 crores in Q4FY25. Despite the reduction in expenses, the company’s earnings per share (EPS) for Q4FY26 was -₹26.24, representing a sharp decline from ₹0.58 in Q3FY26 and ₹0.89 in Q4FY25. This decline in EPS reflects the significant negative impact on the company’s earnings capacity. The tax expenses remained minimal across the quarters, indicating no significant changes in the tax burden.