S.I. Capital FY26 net profit rises 94% to ₹33.37 lakh
S.I. Capital reported a 94% rise in FY26 net profit to ₹33.37 lakh, supported by a 47% increase in interest income. The company turned profitable in Q4FY26 with a net profit of ₹12.97 lakh, compared to a loss in the prior quarter. The Board approved the audited results on May 27, 2026.
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si capital & financial services reported a 94% increase in net profit for the financial year ended March 31, 2026, reaching ₹33.37 lakh compared to ₹17.24 lakh in the previous year. This performance was underpinned by a 47% surge in interest income, which rose to ₹367.91 lakh from ₹249.63 lakh in FY25. Total revenue from operations for the year stood at ₹371.21 lakh, while total income increased to ₹373.49 lakh.
For the quarter ended March 31, 2026, the company recorded a net profit of ₹12.97 lakh, a reversal from the loss of ₹10.61 lakh posted in the preceding quarter ended December 31, 2025. Quarterly revenue from operations grew to ₹101.87 lakh, driven by interest income of ₹101.23 lakh. Total expenses for the quarter were managed at ₹90.18 lakh, a decrease from ₹103.97 lakh in the prior quarter.
The Board of Directors, in its meeting held on May 27, 2026, approved the audited standalone financial results. M/s. Ayyar & Cherian, Statutory Auditors, issued an audit report with an unmodified opinion on the results. Additionally, the Board appointed M/s. JRJ & Co, Chartered Accountants, Thrissur, as the internal auditor for the financial year 2026-27.
Key financial metrics for the year included a Capital Adequacy Ratio of 40.87% and a Provision Coverage Ratio of 90.10%. The Net Stage 3 Loan Assets to Gross Loan Assets ratio improved to 0.35% for FY26, down from 2.13% in the previous year. The company's Net Worth as of March 31, 2026, was reported at ₹575.42 lakh.
Financial Performance Summary
| Metric | Year Ended Mar 31, 2026 | Year Ended Mar 31, 2025 |
|---|---|---|
| Total Income | ₹373.49 lakh | ₹261.72 lakh |
| Total Expenses | ₹340.11 lakh | ₹244.48 lakh |
| Net Profit | ₹33.37 lakh | ₹17.24 lakh |
| Basic EPS | ₹0.67 | ₹0.39 |
Quarterly Results
| Metric | Quarter Ended Mar 31, 2026 | Quarter Ended Dec 31, 2025 |
|---|---|---|
| Total Income | ₹103.16 lakh | ₹93.36 lakh |
| Total Expenses | ₹90.18 lakh | ₹103.97 lakh |
| Net Profit | ₹12.97 lakh | (₹10.61) lakh |
| Basic EPS | ₹0.26 | (₹0.21) |
Historical Stock Returns for SI Capital & Financial Services
| 1 Day | 5 Days | 1 Month | 6 Months | 1 Year | 5 Years |
|---|---|---|---|---|---|
| +4.98% | +9.96% | -24.22% | -11.07% | -37.69% | +1.96% |
Can the company sustain the 47% surge in interest income given the current interest rate cycle?
What strategic initiatives will be implemented to further reduce the Net Stage 3 Loan Assets ratio below 0.35%?
How does the company plan to utilize its strong Capital Adequacy Ratio of 40.87% for future expansion?
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