Olympic Management & Financial Services Limited has published its unaudited financial results for the quarter ended 31st December, 2025 in newspapers on 7th February, 2026, in compliance with Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

Regulatory Compliance

The company submitted newspaper publication compliance documents to the Calcutta Stock Exchange Limited on 7th February, 2026. The financial results were published in the following newspapers:

Financial Performance Overview

The company reported strong quarterly performance with significant improvements across key metrics for Q3 FY26:

The company achieved a remarkable turnaround, posting a profit of 1.48 lacs in Q3 FY26 compared to losses of 2.96 lacs in the previous quarter and 3.76 lacs in the corresponding quarter of the previous year.

Nine-Month Performance Analysis

For the nine months ended 31st December, 2025, the company showed mixed results:

Despite a slight decline in total income, the company substantially reduced its losses, demonstrating improved operational efficiency.

Earnings Per Share and Capital Structure

The company's earnings per share (EPS) for continuing operations improved to 0.049 for Q3 FY26, compared to negative EPS in previous quarters:

Board Approval and Compliance

The results were reviewed by the Audit Committee and approved by the Board of Directors during their meeting held on 6th February, 2026. The financial statements were prepared in accordance with Indian Accounting Standards (Ind AS) and received a limited review from R.K. Khandelwal & Co., Chartered Accountants. The company operates primarily in a single segment and reported no complaints during the quarter.

M&M Financial Services management conducted its Q3FY26 earnings conference call on January 28, 2026, providing detailed insights into the company's quarterly performance and strategic direction. The call was hosted by Kotak Institutional Equities and featured key executives including Managing Director & CEO Raul Rebello, CFO Pradeep Agrawal, and Chief Business Officer Sandeep Mandrekar.

Business Transformation Completion

CEO Raul Rebello announced the completion of the company's business transformation project called "Udaan," which has been driving capability building over the past couple of years. The transformation has resulted in significant operational improvements across customer and dealer fronts.

Profitability and Financial Performance

The management highlighted a visible step-up in profitability for Q3FY26, with the company achieving a quarterly ROA of 2.5%. For the nine months of FY26, ROA improved to 1.9%, moving closer to the management's target of 2% ROA.

Asset Quality Stabilization

The company reported continued stabilization in asset quality metrics, with Gross Stage 3 (GS3) remaining below 4% for the eighth consecutive quarter. The combined GS2 plus GS3 ratio was maintained below 10% for the same period.

Growth Strategy and Market Performance

Management emphasized the company's pivot to growth, supported by strong performance in the tractor financing segment. Q3FY26 recorded the highest-ever Q3 disbursements, driven primarily by tractor finance growth of 65%.

NIM Expansion and Fee Income Growth

The company reported NIM expansion of 50 basis points quarter-on-quarter to 7.5%, though management indicated that 7.1% for nine months is more representative due to one-time benefits. Fee and other income expanded to 1.4% from 1.1% in the previous year.

ECL Model Refresh and Provisioning

As part of the annual practice, the company conducted an Expected Credit Loss (ECL) model refresh in Q3FY26. Management created a management overlay of approximately ₹635 crore, maintaining the Provision Coverage Ratio (PCR) at 53% without taking benefits from the model refresh into the P&L.

Strategic Initiatives

The management announced plans to evaluate merging Mahindra Rural Housing Finance Limited (MRHFL) with the parent company to create operational efficiencies in the mortgage business. The 100% subsidiary has shown improved asset quality with GS3 below 3% for the last two quarters.

The earnings call concluded with management expressing confidence in achieving their medium-term ROA targets while maintaining asset quality discipline and pursuing strategic diversification initiatives.