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Quarterly results

consolidated · as filed with NSE · Q1 FY27 back to Q4 FY18

₹ crore	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q3 FY25	Q2 FY25	Q1 FY25	Q4 FY24	Q3 FY24	Q2 FY24	Q1 FY24	Q4 FY23	Q3 FY23	Q2 FY23	Q1 FY23	Q4 FY22	Q3 FY22	Q2 FY22	Q1 FY22	Q4 FY21	Q3 FY21	Q2 FY21	Q1 FY21	Q4 FY20	Q3 FY20	Q1 FY20	Q3 FY19	Q2 FY19	Q1 FY19	Q4 FY18
Revenue from operations	42,037	38,494	39,708	37,403	35,439	36,595	32,042	33,704	31,480	32,041	29,038	26,023	23,280	23,625	21,755	20,803	15,888	18,862	17,587	18,008	13,949	15,387	15,959	15,050	14,190	13,294	14,559	12,272	11,141	9,698	8,770	8,829
Other income	0	14.4	0	0	12.3	1.1	0	0	0.2	1.1	0	0	0	0.3	0.2	0.1	0.1	0	32.9	0	0	0.4	2.2	2	2	0	1.8	0.6	0.6	0.3	1.3	0.1
Total expenses	33,110	31,591	33,404	30,581	28,248	30,603	26,233	27,741	25,514	26,519	23,609	20,731	18,157	19,086	17,336	16,545	12,294	15,399	14,371	15,216	12,182	13,029	13,182	12,895	11,624	12,502	11,934	10,017	8,918	7,888	6,781	7,214
EBITDA	17,141	14,511	13,866	14,050	14,315	12,728	12,373	12,283	11,825	10,933	10,438	9,950	9,345	8,154	7,831	7,388	6,315	6,093	5,804	5,312	4,090	4,641	5,159	4,609	5,087	3,471	5,161	4,406	4,065	3,403	3,366	2,861
EBITDA margin	40.8%	37.7%	34.9%	37.6%	40.4%	34.8%	38.6%	36.4%	37.6%	34.1%	35.9%	38.2%	40.1%	34.5%	36.0%	35.5%	39.7%	32.3%	33.0%	29.5%	29.3%	30.2%	32.3%	30.6%	35.8%	26.1%	35.4%	35.9%	36.5%	35.1%	38.4%	32.4%
Finance costs	7,834	7,291	7,232	6,901	6,807	6,396	6,276	6,046	5,592	5,154	4,777	4,449	4,020	3,436	3,241	2,961	2,564	2,481	2,445	2,382	2,190	2,147	2,258	2,340	2,395	2,552	2,419	2,054	1,782	1,540	1,334	1,216
Depreciation	380	317	330	327	317	339	289	275	267	257	232	209	202	181	172	168	157	149	143	138	132	135	124	114	125	127	116	97.5	59.9	52.1	43	29.7
Profit before tax	8,927	6,917	5,925	6,822	7,203	5,993	5,808	5,963	5,966	5,523	5,429	5,292	5,123	4,539	4,419	4,258	3,594	3,462	3,249	2,792	1,767	2,358	2,779	2,157	2,568	792	2,627	2,255	2,224	1,811	1,990	1,615
Tax	2,636	1,702	1,559	2,079	1,874	1,246	1,400	1,786	1,759	1,442	1,386	1,536	1,416	1,205	1,119	1,261	1,016	929	900	794	334	613	697	538	646	253	649	801	803	620	662	501
Net profit	6,297	5,226	4,368	4,746	5,329	4,756	4,412	4,180	4,209	4,085	4,045	3,756	3,709	3,335	3,300	2,997	2,578	2,534	2,349	1,998	1,433	1,745	2,082	1,618	1,922	540	1,978	1,454	1,421	1,191	1,329	685
Net margin	15.0%	13.6%	11.0%	12.7%	15.0%	13.0%	13.8%	12.4%	13.4%	12.7%	13.9%	14.4%	15.9%	14.1%	15.2%	14.4%	16.2%	13.4%	13.4%	11.1%	10.3%	11.3%	13.0%	10.8%	13.5%	4.1%	13.6%	11.9%	12.8%	12.3%	15.1%	7.8%
EPS (₹)	19.60	15.90	14.00	14.10	17.50	15.10	14.00	13.10	13.40	13.31	13.56	12.10	12.20	11.10	11.20	9.80	82.30	84.60	78.90	70.50	52.30	61.50	81.10	62.00	76.40	12.20	70.70	53.10	53.40	44.20	51.90	43.10
Net profit YoY	+18.2%	+9.9%	−1.0%	+13.5%	+26.6%	+16.4%	+9.1%	+11.3%	+13.5%	+22.5%	+22.6%	+25.3%	+43.9%	+31.6%	+40.5%	+50.0%	+79.9%	+45.2%	+12.9%	+23.5%	−25.5%	+223.1%	+5.2%	–	+32.2%	–	+39.2%	+9.5%	–	–	–	–

Annual results

financial years ending March · from the fourth-quarter filings

₹ crore	FY26	FY25	FY24	FY23	FY22	FY21	FY20	FY18
Revenue from operations	1,50,504	1,33,821	1,10,382	82,071	68,406	60,591	54,347	30,599
Other income	26.6	1.1	1.1	0.8	32.9	0.4	4.8	0.5
Total expenses	1,23,284	1,10,092	89,016	65,262	57,168	50,729	46,050	24,289
EBITDA	56,743	49,209	40,665	29,688	21,299	19,502	18,092	10,964
EBITDA margin	37.7%	36.8%	36.8%	36.2%	31.1%	32.2%	33.3%	35.8%
Finance costs	28,232	24,310	18,400	12,201	9,498	9,141	9,339	4,551
Depreciation	1,291	1,170	900	678	563	498	457	103
Profit before tax	26,867	23,730	21,367	16,810	11,271	9,863	8,301	6,310
Tax	7,214	6,191	5,780	4,602	2,957	2,495	2,308	1,970
Net profit	19,669	17,558	15,595	12,210	8,314	7,367	5,994	2,741
Net margin	13.1%	13.1%	14.1%	14.9%	12.2%	12.2%	11.0%	9.0%
EPS (₹)	61.30	55.60	51.20	40.30	286.30	280.90	211.70	172.30
Net profit YoY	+12.0%	+12.6%	+27.7%	+46.9%	+12.8%	+22.9%	–	–

EPS is as filed for each period and is not restated for later bonus issues or splits.

Cash flow

annual · ₹ crore

₹ crore	FY26	FY25	FY24	FY23	FY22
Operating cash flow	−55,301	−62,113	−68,674	−39,480	−33,670
Investing cash flow	−12,635	−7,987	−10,960	−13,945	1,445
Financing cash flow	66,610	70,191	82,709	51,016	32,326
Capital expenditure	1,014	1,323	961	779	651
Free cash flow (CFO − capex)	−56,316	−63,436	−69,635	−40,259	−34,321

Net profit trend

annual, ₹ crore

FY21

₹7,367

FY22

₹8,314+13%

FY23

₹12,210+47%

FY24

₹15,595+28%

FY25

₹17,558+13%

FY26

₹19,669+12%

Result filings

as filed with NSE · PDF and XBRL

Period	Basis	Filed	Documents
Q1 FY27	Consolidated	31 Jul 2026	PDF on NSE XBRL
Q1 FY27	Standalone	31 Jul 2026	PDF on NSE XBRL
Q4 FY26	Consolidated	30 Apr 2026	PDF on NSE XBRL
Q4 FY26	Standalone	30 Apr 2026	PDF on NSE XBRL
Q3 FY26	Consolidated	4 Feb 2026	PDF on NSE XBRL
Q3 FY26	Standalone	4 Feb 2026	PDF on NSE XBRL
Q2 FY26	Consolidated	11 Nov 2025	PDF on NSE XBRL
Q2 FY26	Standalone	11 Nov 2025	PDF on NSE XBRL
Q1 FY26	Consolidated	26 Jul 2025	PDF on NSE XBRL
Q1 FY26	Standalone	25 Jul 2025	PDF on NSE XBRL

Annual reports

NSE archive

FY2617.80 MB FY25 FY24 FY23 FY22 FY21 FY20 FY19 FY18 FY17

Key ratios

P/E (TTM)5Y avg 19.6×13.7×

P/B5Y avg 3.62×3.63×

ROEFY26, on average equity26.2%

Net margin13.1%

Debt / equity2.19×

Revenue CAGR (3Y)22.4%

Profit CAGR (3Y)17.2%

EPS (TTM)₹129.09

Market cap₹2.83L Cr

Computed from the filings and the last close. Market cap uses the latest share count from the balance sheet.

P/B vs history

3.63×

vs 10-point avg 3.62× (+0%)

2.53× low3.62× avg6.32× high

History points are balance-sheet dates (2021 → 2026), priced at the adjusted close on each date.

Balance sheet 31 Mar 2026

Total assets₹7.58L Cr+16%

Net worth₹77,915 Cr+8%

Total borrowings₹1.71L Cr+29%

Cash & bank balances₹3,599 Cr−38%

Investments₹1.94L Cr+2%

Inventories₹0 Cr

Trade receivables₹9,332 Cr+12%

Change vs the same date a year earlier.

Revenue mix FY26

Retail financing53.1%result ₹25,601 Cr

Insurance44.6%result ₹2,172 Cr

Investments and others2.3%result ₹−903 Cr

Windmill0.0%result ₹12.5 Cr

Segment revenue as reported, before inter-segment eliminations.

Shareholding 30 Jun 2026

%	Jun 26	Mar 26	Dec 25	Sept 25	Jun 25	Mar 25	Dec 24	Sept 24	Jun 24	Mar 24	Dec 23	Sept 23
Promoter	58.71	58.71	58.81	58.81	58.81	60.64	60.64	60.64	60.64	60.69	60.69	60.69
FII	6.91	7.24	8.06	8.11	8.40	7.52	7.40	8.24	8.39	8.43	7.92	7.65
DII	12.10	11.76	10.74	10.49	10.09	9.01	8.92	8.13	7.60	7.32	7.48	7.10
of which MF	8.46	8.35	7.73	7.62	6.87	–	–	–	–	–	–	–
Retail	9.47	9.43	9.74	9.75	9.88	10.11	10.34	10.29	10.65	10.80	11.06	11.57
Other public	12.76	12.73	12.63	12.77	12.72	12.61	12.58	12.56	12.53	12.58	12.64	12.75

5,97,797 shareholders · NSE shareholding pattern filings.