ALFA Finder| Revenue growth | Net Interest Income grew 38.7% YoY. |
|---|---|
| Margins | Spreads rangebound at 8.6% for Q1 FY27. |
| Demand visibility | High demand in MSME and Gold Loan segments. |
| Management confidence | Strong; emphasizing a 'twin-engine' business profile. |
Growth
AUM grew 34.7% YoY; Gold Loan AUM surged 76.7% YoY; PAT grew 52.5% YoY.
Outlook
Focus on MSME lending, retail installments, and expanding footprint across 17 states with 757 branches.
Risks
Business loan GNPA remains elevated at 25.2%; tightening RBI gold loan framework and co-lending regulations.
Last quarter's promises, checked
Delivered
- Credit cost < 1% → delivered 0.9% (= BEAT)
- Unsecured book reduction → delivered 0.6% of on-book (= BEAT)
- Gold branch expansion → delivered 113 new branches YTD (= BEAT)
Partly delivered
- ST LAP rebuilding → Disbursed ₹208 Cr but GNPA rose to 2.1% (= PARTIAL)
Missed
- AUM growth ex-BL 32% YoY → delivered total AUM 17% YoY (= MISS)
Earnings Call filed with BSE, NSE: FEDFINA. Summary written with AI assistance from the document.
Fedbank Financial Services Ltd: key numbers
- Share price
- ₹160.70
- Market cap
- ₹6,030 Cr
- Revenue (annual)
- ₹2,224 Cr
- Net profit (annual)
- ₹343.6 Cr
- P/E (TTM)
- 13.9×Sector 20.8×
- Promoter holding
- 60.64%-0.03% QoQ
- FII holding
- 9.69%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Fedbank Financial Services Ltd
All →Fedbank Financial Services Credit Rating
Fedbank Financial Services received ICRA [ICRA]AA+ (Stable) for a new Rs 500 Crore NCD programme and reaffirmed its subordinated debt and CP ratings. The rating action reflects strong parentage from Federal Bank.
Fedbank Financial Services Employee Stock Options
Fedbank Financial granted 1,65,000 ESOS-2024 stock options to eligible employees at Rs 155.10 each. Vesting occurs between one and four years from grant.
- Execution
- Vesting not earlier than 1 year and not later than 4 years from grant; exercisable within 3 years of vesting
Fedbank Financial Services Other Announcement
Fedbank Financial Services Ltd has submitted its quarterly shareholding pattern for the period ended September 30, 2026, pursuant to SEBI Listing Regulations.
Fedbank Financial Services Earnings Call Transcript: Key Takeaways
Fedfina delivered its strongest profitability quarter with ROE hitting 17% and PAT growing 63% YoY. The company is successfully transitioning from high-cost direct assignment reliance to core income growth.
- Call
- Guides 25% growth
Fedbank Financial Services Employee Stock Options
Fedbank Financial Services Limited has allotted shares under its ESOP scheme. The allotment increases the company's paid-up share capital by approximately Rs. 0.08 Crore.
- Value
- ₹0.08 Cr
Fedbank Financial Services Employee Stock Options
Fedbank Financial Services Limited allotted 84,890 equity shares following the exercise of vested stock options under its ESOS 2018 scheme.