Akme Fintrade Q4 FY26 profit jumps 63% to ₹12.27 cr

Akme Fintrade posts sharp Q4 FY26 profit growth

Akme Fintrade (India) Ltd reported a strong earnings print for the March 2026 quarter, with Profit After Tax (PAT) rising 62.52% year-on-year to ₹12.27 crore. The company attributed the improvement to growth in interest income and expansion in its vehicle finance portfolio, as disclosed in its regulatory filing. In the corresponding quarter of the previous year, the company had reported PAT of ₹7.55 crore. The update is significant for investors tracking smaller NBFCs where earnings momentum often depends on steady loan book growth and the cost of funds cycle. The filing also highlighted a sharp increase in total income during the quarter.

Key Q4 FY26 numbers: total income and interest income

In the January to March quarter of FY26, Akme Fintrade’s total income increased to ₹42.60 crore, compared with ₹29.27 crore in the same quarter a year ago. Interest income, which is the main engine for a lending-led NBFC, rose to ₹40.54 crore from ₹28.84 crore. The gap between total income and interest income was relatively small in both periods, indicating that the quarter’s topline remained primarily driven by the core lending business rather than other income lines. The company’s Q4 numbers therefore reflect both volume expansion and the ability to generate higher interest income from its portfolio. The filing did not provide additional segmental splits in the provided text, but it explicitly linked the quarter’s performance to vehicle finance expansion.

What management attributed the performance to

Akme Fintrade said the Q4 FY26 profit jump was aided by growth in interest income and the expansion of its vehicle finance portfolio. For NBFCs focused on vehicle lending, disbursement growth and collections discipline typically decide whether higher income converts into higher profits. In this case, the company’s reported PAT rise suggests that the additional income translated into improved bottom-line delivery for the quarter. The quarter-on-quarter movements for earlier periods show that profits can fluctuate even when income grows, so the year-on-year comparison is the clearer signal in this update.

FY26 results: PAT up 27% and income crosses ₹149 crore

For the full financial year 2025-26, the company reported a 27.35% increase in PAT to ₹42.32 crore, compared with ₹33.23 crore in FY25. Total income rose to ₹149.10 crore in FY26 from ₹102.72 crore in FY25. Interest income increased to ₹142.57 crore from ₹98.58 crore over the same period. The FY26 numbers show that growth was not limited to one quarter, with both income and PAT rising on an annual basis. The company’s FY25 base also appears strong, with a high net profit figure relative to income in the provided financial tables.

FY25 baseline: strong growth in profit and income

In FY25, Akme Fintrade reported total income of ₹102.7207 crore, up from ₹73.5011 crore in FY24, reflecting a 39.75% rise. Net profit in FY25 was ₹33.2319 crore versus ₹18.5291 crore in FY24, an increase of 79.35%, according to the provided comparison table. FY25 EPS was reported as ₹7.7872 versus ₹5.85 in FY24, a 33.11% increase. Separately, the provided profitability section states that Akme Fintrade’s PAT margin was 32.4369% and net profit was ₹33.2319 crore, with compounded profit growth over the past three years stated as 100.535702135886%. These figures help explain why FY26’s year-on-year growth, while lower than FY25’s jump, still keeps the company on a higher earnings trajectory.

Quarterly trend through FY25 and December 2025

Quarterly data in the provided tables shows operating revenue rising steadily across FY25 into FY26. Operating revenue moved from ₹28 crore in Dec 2024 to ₹29 crore in Mar 2025, then to ₹32 crore in Jun 2025, ₹35 crore in Sep 2025, and ₹40 crore in Dec 2025. Over the same period, net profit was ₹8.93 crore in Dec 2024, ₹7.55 crore in Mar 2025, ₹9.61 crore in Jun 2025, ₹10.04 crore in Sep 2025, and ₹10.39 crore in Dec 2025. A separate performance note in the text states that net profit rose 16.35% to ₹10.39 crore in the quarter ended December 2025 versus ₹8.93 crore in the quarter ended December 2024, while sales rose 41.86% to ₹38.23 crore versus ₹26.95 crore. Another note states that net profit rose 23.34% to ₹10.04 crore in September 2025 versus ₹8.14 crore in September 2024, while sales rose 44.81% to ₹34.16 crore versus ₹23.59 crore.

Profitability and growth indicators in the dataset

The provided dataset includes several performance indicators that frame the earnings story. It reports ROE of 11.14% and a “Sales Growth” value of 40.7. It also states the company maintained a good ROA of 4.77333333333333% over the last three years and that operating income grew well with a 3-year CAGR of 14.9195618569351%. Growth-rate tables in the text show Sales CAGR of 40% for 1 year and 14% for 3 years, Operating Profit CAGR of 49% for 1 year and 22% for 3 years, and PAT CAGR of 74% for 1 year and 102% for 3 years. These numbers, taken together, indicate that the FY25 to FY26 period has been supported by a broader trend of income and profit growth rather than a one-off quarter.

Market impact: what the update changes for investors

For investors, the key takeaway from the Q4 FY26 update is the scale of the year-on-year PAT increase alongside the sharp rise in total income and interest income. In NBFCs, interest income is directly linked to the lending book and pricing, so the reported rise to ₹40.54 crore in Q4 FY26 and ₹142.57 crore for FY26 indicates a larger or higher-yielding portfolio compared with the prior year. The FY26 PAT of ₹42.32 crore also provides a stronger earnings base than FY25’s ₹33.23 crore. The provided quarterly trend shows that operating revenue and profits have grown across FY25 and into FY26, although profits did dip in Mar 2025 versus Dec 2024 in the standalone results table, highlighting the importance of watching quarter-to-quarter volatility.

Key numbers table

What to watch next

The filing links performance to vehicle finance expansion and higher interest income, so subsequent disclosures on portfolio quality, funding costs, and disbursement growth will be important context for how sustainable earnings remain. Investors will also track whether the company can maintain its reported PAT margin of 32.4369% as the balance sheet scales. Any updates in upcoming quarterly results on income mix and cost trends will help validate whether the FY26 growth rates continue into FY27.