ALFA Finder| Management target | Net Profit 45.0% FY27 |
|---|
| Revenue growth | Net interest income increased 39% YoY to ₹47.1 crore. |
|---|---|
| Margins | NIM expanded to 11.36% from 10.43% due to lower borrowing costs. |
| Demand visibility | Strong demand in semi-urban/rural MSME and self-employed borrower segments. |
| Management confidence | Highly confident, emphasizing structural improvements in funding costs and credit ratings. |
Growth
AUM grew 28% YoY to ₹1,721.7 crore, fueled by a 31.7% increase in the own-book portfolio.
Outlook
Targeting 30-35% annual AUM growth and 40-45% PAT growth for FY27.
Risks
Rising credit costs in vehicle financing (0.95% vs 0.58% YoY) signal localized asset quality stress.
Last quarter's promises, checked
Delivered
- Guided 30-35% AUM growth → delivered 28% (approx. target range) (= BEAT)
- Guided 40-45% PAT growth → delivered 70% (= BEAT)
- Guided NIM expansion via lower borrowing costs → delivered 11.36% from 10.43% (= BEAT)
Partly delivered
- Guided expansion to Maharashtra and UP → delivered 194 total branches (= PARTIAL)
Earnings Call Transcript filed with NSE, NSE: LAXMIINDIA. Summary written with AI assistance from the document.
Laxmi India Finance Ltd: key numbers
- Share price
- ₹106.13
- Market cap
- ₹556.0 Cr
- Revenue (annual)
- ₹317.0 Cr
- Net profit (annual)
- ₹49.76 Cr
- P/E (TTM)
- 9.8×Sector 20.8×
- Promoter holding
- 60.17%+0.00% QoQ
- FII holding
- 1.60%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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