SK Finance Limited: Q4FY26 Quarterly Financial Performance

18 May 2026

Financial Performance for Q4 FY26:

​SK Finance Limited reported an improvement in financial performance in FY26, with Total Income increasing to ₹767.34 Cr , compared to ₹646.37 Cr in FY25, reflecting a 18% year-on-year (YoY) growth. This increase was mainly driven by higher interest income and a rise in net gains on the de-recognition of financial instruments. Profitability also improved during the year, with Profit Before Tax (PBT) at ₹217.34 Cr versus ₹178.85 Cr in FY25 , while Profit After Tax (PAT) stood at ₹163.33 Cr, up from ₹141.61 Cr in the previous year. Unlike some cases where profits are impacted by one-time items, the growth here reflects robust operational expansion, indicating a healthy earnings environment.

Operational Metrics: (Q4FY26 vs Q4FY25)

Operationally, SK Finance Limited remained resilient with substantial expansion in its primary business lines, posting Total Revenue from Operations at ₹766.26 Cr in FY26 compared to ₹643.66 Cr in FY25. The revenue mix showed a steady shift, where interest income grew to ₹631 Cr from ₹566 Cr , supported by expanding lending activities, while fees and commission income increased to ₹489 Cr from ₹36 Cr. Other income streams decreased to ₹1.08 Cr from ₹2.7 Cr. On the cost side, total expenses increased to ₹549.99 Cr from ₹467.51 Cr , driven by a rise in finance costs to ₹283 Cr and higher impairment provisions on financial instruments which rose to ₹48 Cr, indicating necessary cost expansion aligned with rapid loan book growth.

Strategic Developments & Outlook

SK Finance Limited continues to expand its market footprint as a Non-Banking Financial Company (NBFC) registered under the 'Middle Layer' scale-based regulations of the RBI. It maintains strong risk governance, reporting a Capital to Risk-Weighted Assets Ratio (CRAR) of 25.41% and a highly stable liquidity profile with a Liquidity Coverage Ratio (LCR) of 167.01%.