360ONE · Financial Services
360 ONE WAM Ltd. reported total income of ₹1,144 cr for July to September 2026, +4.2% on the year and −6.7% on the quarter. That is slower than this quarter has grown in recent years (+42.1% on average). Over the last four quarters income comes to ₹4,666 cr, +29.3% on the four before.
Net interest income, interest earned less interest paid, was ₹783 cr, −7.2% on the year and −10.2% on the quarter. For a lender this is the core earnings line: it shows whether the loan book and its pricing are growing faster than the cost of funds.
Net profit was ₹300 cr, −4.8% on the year and −9.4% on the quarter, with earnings per share of ₹7.36. The tax rate of 23% is in line with its recent average. Profit over the last four quarters totals ₹1,247 cr, +10.7% on the four before.
Of the 84 companies in NBFCs and housing finance that have reported Q2 FY27 so far, 360 ONE WAM Ltd. ranks 73rd on profit growth; the sector median is +25.2%.
An NBFC's quarter turns on loan growth, its cost of borrowing and credit costs; profit can rise for a while simply because provisions fall. The quarterly statements do not carry AUM growth, stage 2 and 3 assets, credit cost and the cost of funds; those come with the filing read.
Written from the quarterly statements. The filing read adds the balance sheet and cash flow filed with this quarter, the auditor's review, segment results, one-off items line by line and what management said on the call.
Net interest income fell on the year. A margin squeeze, or a smaller book?
Source: Quarterly statements
Could not run on this quarter: Exceptional items that recur, Auditor's review or audit report, IPO money used as stated, Related-party transactions, Exits, postponements, restatements, Promoter pledges and allotments, Earlier promises against delivery, When the results were filed, Asset quality (lenders), Net interest margin (lenders). Most need the filing read (balance sheet, cash flow, auditor, disclosures).
Net profit a year ago, each driver's change, and net profit now. Blue added profit, red took it away.
This quarter's filing carries a balance sheet and a cash flow statement. The cash, receivables and borrowing checks run once the filing read is in.
Lenders are read on NIM, asset quality, provision cover and credit cost. Those come from the filing read, which is not in yet for this quarter, so margin, other-income and cash checks are withheld rather than shown on a template built for manufacturers.
| Q3 FY24 | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 | Q2 FY27 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total income | ₹630 cr | ₹791 cr | ₹849 cr | ₹865 cr | ₹780 cr | ₹821 cr | ₹911 cr | ₹1,098 cr | ₹1,181 cr | ₹1,115 cr | ₹1,226 cr | ₹1,144 cr |
| YoY | — | — | +48% | +57% | +24% | +4% | +7% | +27% | +51% | +36% | +35% | +4% |
| Exceptional items | — | — | — | — | — | — | — | — | — | — | — | — |
| Tax rate | 18% | 25% | 29% | 23% | 23% | 23% | 24% | 24% | 23% | 20% | 22% | 23% |
| Net profit | ₹192 cr | ₹243 cr | ₹244 cr | ₹245 cr | ₹276 cr | ₹250 cr | ₹285 cr | ₹315 cr | ₹327 cr | ₹289 cr | ₹331 cr | ₹300 cr |
| YoY | — | — | +33% | +32% | +44% | +3% | +17% | +29% | +18% | +16% | +16% | −5% |
| EPS | ₹5.36 | ₹6.76 | ₹6.72 | ₹6.73 | ₹7.12 | ₹6.35 | ₹7.04 | ₹7.79 | ₹8.08 | ₹7.11 | ₹8.13 | ₹7.36 |
| Flags | · | 1 | 1 | 1 | 2 | ✓ | 2 | ✓ | ✓ | 1 | 1 | 3 |
Each quarter is read with the same rules. Balance-sheet and cash checks run on half-year and annual quarters; filing-read checks run where a read exists.
360 ONE WAM Ltd. reported total income of ₹1,144 cr (+4.2% on the year) and net profit of ₹300 cr (−4.8% on the year) for July to September 2026.
1 check raised a question: Net interest income fell on the year. A margin squeeze, or a smaller book?
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