Kissht has achieved a remarkable financial result in the final quarter of the financial year 2026 (Q4 FY26). This quarter saw a huge gain in operating revenue for the platform, which hit close to the ₹600 crore mark. The quarterly net profits of the company had shown a spectacular double-digit increase. The company said the figures in its consolidated financial statement released from the National Stock Exchange (NSE) reflect its aggressive business scaling strategy and strong market demand.

Substantial increase in revenue

During the fourth quarter of 2026, the operating revenue went up by 68% as compared to Q4 in 2025, with a total operating revenue of ₹619 crore for the current quarter. The company was established by Ranvir Singh and Krishnan Vishwanathan in 2015, who have managed to create a significant presence through consumer loan products.

The scale attained by the company has been largely driven through forming strategic alliances with a large number of merchants in different markets, such as electronics, fashion, travel, etc. The company mainly earns from interest income on these consumer loans, but the revenue breakdown, product-wise, was not explicitly stated in the filing.

The digital lending platform also contributed an extra ₹6 crore of non-operating revenues to operational earnings. The company reported total overall net revenues for Q4 FY26 of ₹625 crore, which includes core operational figures. 

In the full picture of the financial year, Kissht demonstrated steady momentum in growth over the last year. During the full financial year 2026, the annual operating income of the company increased by a 63% year-on-year, amounting to ₹2,179 crore compared to ₹1,337 crore in the full financial year 2025.

Expenditure breakdown and strong profit growth

The higher machine usage to facilitate increased loan volume saw an enabling parallel increase in total expenses. The company’s total expenditure increased by 70% year-on-year, reaching ₹515 crore for Q4 FY26 compared with ₹303 crore for the corresponding period last year. The impairment liability on financial instruments was a key single expense item for the fintech platform, representing more than 22% of the company’s overall cost base. This particular expenditure item increased by 50% year-on-year to ₹114 crore in the current quarter.

Additional costs associated with operations also saw substantial increases in the last quarter of FY. The company’s finance cost witnessed an increase of 48%, whereas employee benefit cost reached ₹65 crore during the quarter. The rest of the funding was diverse but critical operational costs, such as major allocations into Consumer advertising, legal and professional costs, and information technology investments to power digital borrowing operations.

Although its revenues rose significantly in total, Kissht’s strong top-line growth enabled strong bottom-line results. The Mumbai-based financial technology firm has successfully expanded its Q4 FY26 net profit by 52% year-on-year, with profit clocking in at ₹82 crore compared with the ₹61-crore net profit in the same quarter last year. 

This annualised approach to profitability further demonstrates its strength. The digital lender’s total net profit surged by almost 75% to ₹281 crore for the full fiscal 2026 compared with ₹161 crore in the financial year 2025.

The quarterly and annual financial disclosure comes as part of the startup’s successful move into going public, following a robust quarter. Earlier this month, Kissht went public in India to the delight of the public markets and people. The company’s stock sits at a premium of 12% over the original issue price of its IPO, giving it a high market valuation with a high degree of confidence. This is further justified by these firms’ finances.

Conclusion

The financial outcomes of the fourth quarter of the fiscal year 2026 give Kissht a strong footing in the competitive Indian fintech landscape. The company has not only hit the ₹600 crore quarterly operating revenues target but also posted a 52% rise in quarterly profit, serving as a clear testament to its performance in maintaining a hit-rate while keeping its finances under check.

Its success in keeping growth rates in annual operating revenue high, while managing financial impairments and other core expenses, will be key to generating long-term value for shareholders and sustaining a strong near-term growth path in the digital consumer credit market.