| Management target | Revenue 25.0% FY27 |
|---|
| Margins | Yields expanded 10 bps; weighted COB fell 3 bps. |
|---|---|
| Order book | AUM at ₹21,136 Cr, up 35% YoY. |
| Demand visibility | Strong demand in gold loans; cautious but optimistic on LAP. |
| Management confidence | High; tracking previous guidance on credit costs and ROA expansion. |
Growth
AUM grew 35% YoY; Gold Loan AUM increased 77% YoY; PAT rose 52.5% YoY; Disbursements up 14% YoY.
Outlook
Guided 20-25% entity-level growth; 25-30% gold AUM growth; expanding ROA by 20-30 bps; plan 200 new branches.
Risks
Regulatory changes impacting bullet loans; gold price volatility; elevated overdue levels during transition period.
Last quarter's promises, checked
Delivered
- Credit cost < 1% → delivered 0.9% (= BEAT)
- Unsecured book reduction → delivered 0.6% of assets (= BEAT)
- ROA expansion → delivered 2.5% from 2.2% YoY (= BEAT)
Partly delivered
- Tonnage growth 10-12% → delivered 5.1% (= PARTIAL)
- ST LAP rebuilding → delivered INR 208 Cr disbursements (= PARTIAL)
Missed
- DA income reduction → delivered INR 1 Cr vs INR 62 Cr YoY (= MISS/PIVOT)
Investor Presentation 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.
More from Fedbank Financial Services Ltd
All →Fedbank Financial Services Employee Stock Options
Fedbank allotted 42,250 equity shares upon exercise of vested stock options under ESOS 2018 and 2024. Paid-up capital rose to ₹375.14 Crore from ₹375.10 Crore.
Fedbank Financial Services Annual Report
Fedbank Financial Services Limited has submitted its Annual Report for the Financial Year 2025-26, including the notice for its 31st Annual General Meeting.
Fedbank Financial Services Annual General Meeting
Fedbank Financial Services Ltd issued the notice for its 31st Annual General Meeting to be held on September 29, 2026, and submitted its Annual Report.
Fedbank Financial Services Employee Stock Options
Fedbank Financial Services allotted 82,977 equity shares to employees following the exercise of vested stock options under its ESOS 2018 and ESOS 2024 schemes.
Fedbank Financial Services Earnings Call: Key Takeaways
Fedfina reported strong Q1 FY27 results with AUM growing 34.7% YoY to ₹21,136 Cr and PAT increasing 52.5% YoY to ₹114.4 Cr, driven by robust gold loan expansion.
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