Day 21 of the season. Filing deadline 14 Nov 2026 (24 days left). Not beat or miss: whether the numbers hold up.
18 of 257 reported
On the dashed line, profit grew because the business did. Below it, in the shaded zone, the headline was lifted by other income, one-off gains or a lower tax rate. Click a dot for the company.
Growth clipped to −60% and +150% so outliers stay on the chart. Lenders are left out: other income is part of their business.
| Company | Results | Revenue | Margin | Profit | Core profit | Read |
|---|
Lenders are not read on margins or other income. Asset quality, provision cover, NIM and credit cost come from the filing read.
| Lender | Net profit YoY | On the quarter | Lender checks | Read |
|---|---|---|---|---|
| Anand Rathi Wealth Ltd. | ▼ 9.3% | ▼ 46.0% | needs the filing read | |
| Billionbrains Garage Ventures Ltd. | ▲ 53.9% | ▼ 1.4% | needs the filing read | |
| Can Fin Homes Ltd. | ▲ 9.6% | ▲ 2.6% | needs the filing read | |
| Canara Bank | ▲ 9.9% | ▲ 3.9% | needs the filing read | |
| Canara HSBC Life Insurance Company Ltd. | ▲ 4.9% | ▲ 53.6% | needs the filing read | |
| Federal Bank Ltd. | ▲ 53.3% | ▲ 20.4% | needs the filing read | |
| HDB Financial Services Ltd. | ▲ 34.3% | ▼ 0.6% | needs the filing read | |
| HDFC Asset Management Company Ltd. | ▲ 4.5% | ▼ 10.5% | needs the filing read | |
| HDFC Bank Ltd. | ▲ 5.8% | ▲ 5.7% | needs the filing read | |
| HDFC Life Insurance Company Ltd. | ▲ 16.5% | ▼ 14.6% | needs the filing read | |
| ICICI Lombard General Insurance Company Ltd. | ▲ 15.4% | ▲ 134.7% | needs the filing read | |
| ICICI Prudential Asset Management Company Ltd. | ▲ 6.1% | ▼ 7.9% | needs the filing read | |
| ICICI Prudential Life Insurance Company Ltd. | ▲ 25.1% | ▼ 3.1% | needs the filing read |
No question on any check that could run, with at least four run.
Fills in as earnings calls are read.
Core profit = profit before tax − other income − exceptional items. A question when reported profit growth beats core growth by 15 points or more (serious at 35).
Other income as a share of profit before tax: a question at 30% and rising 10 points on the year; serious at 50%.
Effective tax rate 10 points or more below its average over the previous four quarters, or a tax credit on a pre-tax profit.
Exceptional items in 3 or more of the last 6 quarters, or one worth 20% or more of pre-tax profit.
EBITDA margin down 300 bps or more on the year; a note at 150 bps; a note when margin rises 300 bps on revenue growth under 5%.
Depreciation down 10% or more while revenue grew; finance cost up 40% or more and above 15% of EBITDA.
Operating cash flow for the half or full year against profit: a question below 0.5×, serious when negative on a profit.
Days of sales against the last year end: a question at +15 days for receivables (serious at +30) and +20 days for inventory.
Borrowings and cash both up 20% or more since the year end.
A qualified, adverse or disclaimer conclusion, or a going-concern doubt, is serious; an emphasis of matter is a question.
A deviation in the statement filed with results, or in the monitoring agency report, is serious.
Related-party value up 3 points of revenue; promoter pledge up 2 points; preferential shares or warrants to promoters; auditor, CFO, CEO or independent director exits; postponed meetings; restatements.
What an earlier call or release said would happen, set against this quarter. A question when two or more, or half or more, were missed.
Margin, other-income and cash checks are withheld for banks, NBFCs and insurers. Instead: gross NPA up 30 bps or net NPA up 20 bps on the quarter, provision cover down 5 points, NIM down 20 bps, credit cost up 25 bps on the year.
No question on any check that could run, with at least four checks run. The coverage is shown beside every badge.
Every number comes from the company's filed results (the filing read where we have one, the quarterly statements otherwise). No analyst estimate is used anywhere, so there is no beat or miss: each company is compared with its own history.
Numbers as filed with the exchanges, read by rules. A flag is a question with its numbers and source, never an accusation. FinMinutes is a financial data and analytics platform; nothing here is a recommendation to buy, sell or hold any security.