ANGELONE · Financial Services
Angel One Ltd. reported total income of ₹1,141 cr for April to June 2025, −18.8% on the year and +8.0% on the quarter. Over the last four quarters income comes to ₹4,974 cr, +2.2% on the four before.
Net profit was ₹114 cr, −61.1% on the year and −34.9% on the quarter, with earnings per share of ₹1.26. The tax rate was 30% against an average of 26% over the previous 8 quarters, which weighed on profit this quarter. Profit over the last four quarters totals ₹993 cr, −17.0% on the four before.
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, the auditor's review, segment results, one-off items line by line and what management said on the call.
No check fired. That is a statement about the checks below, not a verdict on the company.
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), Net interest income against profit (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.
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 | ₹1,059 cr | ₹1,357 cr | ₹1,405 cr | ₹1,515 cr | ₹1,262 cr | ₹1,056 cr | ₹1,141 cr | ₹1,202 cr | ₹1,335 cr | ₹1,459 cr | ₹1,430 cr | ₹1,427 cr |
| YoY | — | — | +74% | +45% | +19% | −22% | −19% | −21% | +6% | +38% | +25% | +19% |
| Exceptional items | — | — | — | — | — | — | — | — | — | — | — | — |
| Tax rate | 26% | 26% | 26% | 26% | 27% | 26% | 30% | 28% | 28% | 27% | 29% | 27% |
| Net profit | ₹260 cr | ₹340 cr | ₹293 cr | ₹423 cr | ₹281 cr | ₹175 cr | ₹114 cr | ₹212 cr | ₹269 cr | ₹320 cr | ₹231 cr | ₹335 cr |
| YoY | — | — | +33% | +39% | +8% | −49% | −61% | −50% | −4% | +83% | +103% | +58% |
| EPS | ₹3.10 | ₹4.05 | ₹3.25 | ₹4.70 | ₹3.12 | ₹1.93 | ₹1.26 | ₹2.33 | ₹2.96 | ₹3.52 | ₹2.53 | ₹3.66 |
| Flags | · | · | 1 | ✓ | 1 | 2 | 2 | 1 | 1 | 1 | 1 | 1 |
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.
Angel One Ltd. reported total income of ₹1,141 cr (−18.8% on the year) and net profit of ₹114 cr (−61.1% on the year) for April to June 2025.
None of the 2 checks that could run raised a question.
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