Sainik Finance & Industries Reports 6% Revenue Growth in Q2 FY2026

Sainik Finance & Industries Limited (SFIL) has announced its unaudited financial results for the quarter ended September 30, 2025, showcasing growth in revenue but a decline in profitability.

Financial Highlights

SFIL reported mixed results in its quarterly performance:

Metric (in lakhs)	Q2 FY2026	Q2 FY2025	YoY Change
Revenue	408.95	385.76	6.01%
Profit After Tax	72.98	127.51	-42.77%
EPS (in Rs.)	0.67	1.17	-42.74%

The company's revenue from operations grew by 6.01% year-over-year to Rs. 408.95 lakhs in Q2 FY2026, up from Rs. 385.76 lakhs in the same quarter of the previous fiscal year. However, the profit after tax (PAT) decreased to Rs. 72.98 lakhs, compared to Rs. 127.51 lakhs in Q2 FY2025, representing a 42.77% decline.

Balance Sheet Strength

SFIL's balance sheet showed growth:

Total assets increased to Rs. 16,822.42 lakhs as of September 30, 2025, up from Rs. 14,295.60 lakhs in the previous year, marking a 17.68% growth.
Loans, a key component of the company's assets, rose to Rs. 15,451.72 lakhs from Rs. 12,539.89 lakhs, indicating a 23.22% increase.
Borrowings also saw an uptick, reaching Rs. 11,307.46 lakhs compared to Rs. 9,231.07 lakhs in the previous year.

Management Commentary

The Board of Directors, in their meeting held on November 14, 2025, reviewed and approved these unaudited financial results. The company's main business continues to be financing activities, with all operations carried out within India.

Auditor's Review

M/s. Kumra Bhatia & Co., the statutory auditors, conducted a limited review of the financial results for the quarter ended September 30, 2025. They found no material misstatements in the financial information prepared in accordance with applicable accounting standards.

Key Observations

While SFIL has shown revenue growth and asset expansion, there has been a significant decrease in profitability.
The company's increased loan portfolio suggests a focus on expanding its core financing business.
The divergence between revenue growth and profit decline may warrant attention from investors and analysts.

Stakeholders may closely monitor how SFIL manages its growth and profitability in the coming quarters, considering the current economic landscape and the competitive nature of the financial services sector.

1 Day	5 Days	1 Month	6 Months	1 Year	5 Years
0.0%	+0.07%	-3.78%	+9.01%	+4.48%	+145.61%

Sainik Finance & Industries Limited, a company primarily engaged in financing activities within India, has reported its financial results for the first quarter ended June 30, 2025, along with several key board decisions.

Financial Performance

The company's unaudited financial results for Q1 FY2025-26 show a notable improvement in profitability:

Particulars (in Rs. lakhs)	Q1 FY2025-26	Q1 FY2024-25	% Change
Revenue from Operations	361.99	363.21	-0.34%
Total Income	361.99	363.21	-0.34%
Total Expenses	269.77	281.08	-4.02%
Profit Before Tax	92.22	82.13	+12.29%
Profit After Tax	94.56	82.77	+14.24%
Earnings Per Share (Rs.)	0.87	0.76	+14.47%

Sainik Finance & Industries reported a profit of Rs 94.56 lakhs for the quarter, marking a 14.24% increase from Rs 82.77 lakhs in the same quarter last year. The company's revenue from operations stood at Rs 361.99 lakhs, slightly lower than Rs 363.21 lakhs in the previous year's quarter.

Despite a marginal decrease in revenue, the company managed to improve its bottom line through effective cost management. Total expenses decreased by 4.02% year-over-year, contributing to the improved profitability.

Earnings per share (EPS) for the quarter increased to Rs 0.87 from Rs 0.76 in the corresponding quarter of the previous year, reflecting the company's enhanced profitability.

Board Decisions and Appointments

In addition to approving the financial results, the Board of Directors made several key decisions during their meeting on August 12, 2025:

Secretarial Auditors Appointment: The Board approved the appointment of Secretarial Auditors for a period of five consecutive financial years from April 1, 2025, to March 31, 2030.
Scrutinizer Appointment: A scrutinizer was appointed to oversee the voting and e-voting process for the upcoming 33rd Annual General Meeting (AGM) of the company.
Director Re-appointment: The Board approved the re-appointment of Smt. Nishi Sabharwal as a Non-executive Independent Women Director for a second term of five years, from November 12, 2025, to November 11, 2030, subject to shareholders' approval at the ensuing AGM.

About Smt. Nishi Sabharwal

Smt. Nishi Sabharwal, who has been re-appointed as a Non-executive Independent Women Director, brings a wealth of experience to the Board. She is described as an accomplished corporate leader with extensive experience in senior positions across diverse and premium organizations, including Shyam Telecom Ltd, CITI Bank NA, American Express Bank, Standard Chartered Bank, and Axis Bank.

Her areas of expertise include Client Experience Management, Relationship Banking, Wealth Management, Private Banking, Business Development, International Trade Services, and Channel Partners Management. Smt. Sabharwal is known for her proficiency in team building, business development, and relationship management, coupled with strong business acumen and leadership qualities.

The Board Meeting, which commenced at 12:10 P.M and concluded at 12:50 P.M, also approved the Directors' Report for the financial year ended March 31, 2025, and the notice for calling the 33rd Annual General Meeting of the company.

Sainik Finance & Industries Limited continues to focus on its core business of financing activities within India, and these results reflect its efforts to maintain profitability in a challenging economic environment.