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Earnings Call

Piramal Finance Earnings Call: Key Takeaways

Piramal Finance achieved ₹1,01,230 Cr AUM, up 25% YoY, with Consol. PAT of ₹1,506 Cr. Business transitioned to 85% retail with improved RoAUM.

Why this was an Alfa AlertNet Profit beat: Guided FY26 PAT of ₹1,300-1,500cr, achieved ₹1,506cr, exceeding the upper end of guidance by management.
Highlights
Revenue growthTotal Income at 13.4% of AUM
MarginsConsol NIM up to 6.5%; Retail opex-to-AUM declined to 3.6%
Demand visibilityStrong retail disbursement growth, up 34% in Q4 FY26
Management confidenceMet all FY26 targets; positive on 1.5L Cr AUM by FY28

Growth

FY26 Total AUM grew 25% YoY; Growth AUM up 33%. Consol. PAT surged 210% YoY.

Outlook

FY27 targets: ~25% AUM growth, ~50% profit growth, and ~2.5% exit RoAUM.

Risks

Transition from legacy assets; maintaining stable 0.6% retail 90+ DPD amid rapid growth.

Source

Earnings Call filed with NSE, NSE: PIRAMALFIN. Summary written with AI assistance from the document.

Read the document ↗

Piramal Finance Ltd: key numbers

Share price
₹2,146.30
Market cap
₹50,917 Cr
Revenue (annual)
₹11,852 Cr
Net profit (annual)
₹1,504 Cr
P/E (TTM)
26.8×Sector 20.8×
Promoter holding
44.22%-1.94% QoQ
FII holding
15.61%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

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