- AUM: ₹8,001 cr, +61 % YoY and +13 % QoQ, driven by personal‑loan growth (₹7,384 cr, 92.3 % of AUM).
- Profit After Tax (PAT): ₹95 cr, +59 % YoY and +16 % QoQ.
- Diluted EPS: ₹5.9, +30 % YoY versus ₹4.5 in Q1 FY26.
- Net Worth: ₹2,245 cr, +107 % YoY (approximately 4× since March 2023).
- Capital ratios: CRAR 40.2 % (Tier‑1 39.2 %); Debt‑to‑Equity 0.91×; Credit rating A‑ (Stable).
- Asset quality: GNPA (Stage 3) 2.25 % (‑139 bps YoY, +13 bps QoQ); NNPA 0.36 % (+6 bps QoQ); Stage 3 PCR 84.13 %; ECL coverage on Stage 2 assets 80.44 % (up from 75.58 % in Q4 FY26).
- Operational highlights:
- Off‑book AUM ₹4,284 cr (53.6 % of total) across 8 partners; 45+ active lending & co‑lending partners.
- 100 % digital sourcing for personal loans; secured loans delivered via 101 branches in 8 states/UTs.
- Cumulative customers served 12.25 million (+26 % YoY).
- IPO proceeds utilisation: ~75 % of the ₹850 cr issue (≈₹637 cr) infused as fresh equity into NBFC subsidiary Si Creva Capital Services Pvt Ltd.
- Guidance: Management states the company is on track to achieve FY27 guidance, citing strong operating momentum; no specific numerical targets were disclosed.
Kissht posted a strong earnings beat with robust profit and AUM growth, and its asset quality improved YoY. The market is likely to reward the results with a modest price rise. Confidence in this view is medium.
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Forecast from comparable, historic events. Not investment advice.
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