ALFA Finder| 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
- ₹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
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- Execution
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- Call
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- Value
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