Q2 FY27 business update: PAT Rs. 4.46 crore, up 117.56% YoY; disbursements Rs. 121.63 crore
Q2 FY27 update: revenue ₹16.89 cr, PAT ₹4.46 cr (+117.56% YoY), disbursements ₹121.63 cr (+10.87% QoQ), AUM ₹53.27 cr, collection efficiency 96.62%.
By ScoutQuest · · 2 min read
- Revenue
- ₹16.89 cr
- PAT
- ₹4.46 cr (+117.56% YoY)
- Disbursements
- ₹121.63 cr (+10.87% QoQ)
Kreon Finnancial Services has published its business update for the quarter and half-year ended 30 September 2026, covering the StuCred digital lending platform. The company describes itself as an AI-powered, technology-led NBFC lending to young, first-time borrowers through a digital application without branches or intermediaries. The figures are unaudited.
Quarterly performance
- Total income ₹16.89 crore, up 6.83% quarter on quarter and 61.01% year on year
- Total expenses ₹10.62 crore, up 2.02% QoQ and 39.01% YoY
- Profit before tax ₹6.27 crore, up 16.10% QoQ and 120.00% YoY
- Profit after tax ₹4.46 crore, up 1.13% QoQ and 117.56% YoY
- Earnings per share ₹2.20 for the quarter, against ₹2.18 in Q1 FY27 and ₹1.01 in Q2 FY26
The company also reports a view excluding its investment division
- Total income ₹15.78 crore, up 19.00% QoQ and 50.43% YoY
- Profit before tax ₹5.16 crore, up 81.05% QoQ and 62.26% YoY
Half-year performance
- Total income ₹32.69 crore, up 46.20% YoY
- Profit before tax ₹11.67 crore, up 51.56% YoY
- Profit after tax ₹8.87 crore, up 52.41% YoY
- Earnings per share ₹4.39 against ₹2.88 in H1 FY26
Operating metrics
- Disbursements during the quarter ₹121.63 crore, up 10.87% QoQ, across 6,55,772 transactions, up 12.02%
- Cumulative disbursements since inception ₹1,232.85 crore
- Assets under management ₹53.27 crore, up 0.34% QoQ
- Disbursement-to-AUM ratio 228.33% against 206.65%
- Collection efficiency 96.62%, up 0.97 percentage points
- Unique students onboarded 2,29,526, up 12.78%
- Number of employees 154, up 6.21%
How the two sets of numbers fit: the company states that because its loans are of short tenure, disbursements during the quarter were approximately 2.3 times closing AUM. AUM itself was broadly unchanged over the quarter. Annualised EPS of ₹8.80 is described as quarterly EPS multiplied by four, shown for reference only and not an estimate or forecast of full-year earnings; the actual EPS for FY 2025-26 was ₹3.59.
Products and initiatives
- StuCred for StartUps is reported as launched on 01 October 2026; the website has launched and marketing is scheduled to begin in the first week of November 2026
- StuCred Alumni revamp is under development, targeting December 2026
- MyDayPayDay (MDPD), an Earned Wage Access platform for salaried employees giving access to earned salary before payday, is under development at final stage, targeting December 2026
Outlook: the company says it will continue to focus on sustainable growth, expanding customer reach, improving collection efficiency and maintaining sound risk-management practices. The update notes it may contain forward-looking statements based on current expectations, and that actual results may differ materially.
Also from Kreon Finnancial Services
Related party transactions disclosed for half year ended September 30, 2026
26 Oct 2026
Standalone results for the quarter ended 30.09.2026
26 Oct 2026
Board approves unaudited results for quarter and half-year ended September 30, 2026; postal ballot on reward for Executive Directors
26 Oct 2026
More numbers
- Revenue from operations (Q2 FY27)₹16.89 cr
- Disbursed in the quarter₹121.63 cr
- Assets under management₹53.27 cr
- Collection efficiency96.62%
- Transactions in the quarter6,55,772
- Profit after tax (quarter)₹4.46 cr
- Earnings per share - quarterly₹2.20
- Profit after tax YoY growth117.56%
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