| 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
- ₹151.68
- Market cap
- ₹5,690 Cr
- Revenue (annual)
- ₹2,224 Cr
- Net profit (annual)
- ₹343.6 Cr
- P/E (TTM)
- 14.9×Sector 22.0×
- Promoter holding
- 60.67%-0.12% QoQ
- FII holding
- 9.30%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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Fedbank Financial Services Investor Presentation: Key Takeaways
Fedfina reported strong Q1 FY27 results with AUM crossing ₹21,136 Cr and PAT growing 52.5% YoY to ₹114.4 Cr. The company is pivoting towards interest-servicing structures in gold loans due to regulatory changes.
- Call
- Guides 25% growth
Fedbank Financial Services Q1 FY27 Results: Net Profit ₹114.4 Cr, Up 52.5% YoY
Fedbank Financial Services Ltd reported revenue from operations of ₹669.9 Cr (+29.7% YoY) and net profit of ₹114.4 Cr (+52.5% YoY) for Q1 FY27.
- Key figure
- Net profit ₹114.4 Cr · +52.5% YoY