| Revenue growth | FY26 Total Income up 22% YoY to ₹5,601 Cr. |
|---|---|
| Margins | Consol NIM improved to 6.5%; Retail opex-to-AUM declined to 3.6%. |
| Demand visibility | Strong retail demand across housing, LAP, and digital loans. |
| Management confidence | High; citing credit rating upgrades and meeting all FY26 guidance targets. |
Growth
FY26 Consol. PAT reached ₹1,506 Cr (up 210% YoY). Total AUM grew 25% YoY to ₹1,01,230 Cr; Growth AUM up 33% YoY.
Outlook
FY27 Guidance: ~25% AUM growth and ~50% profit growth. Target RoAUM of ~2.5%. Aiming for ₹1.5 lakh Cr AUM by FY28.
Risks
Legacy AUM still ₹2,807 Cr; microfinance asset quality event noted; high employee attrition (though declining); competitive retail lending market.
Last quarter's promises, checked
Delivered
- Legacy AUM reduction target ₹3,000-3,500 Cr → delivered ₹2,807 Cr (= BEAT)
- Consolidated PAT target ₹1,300-1,500 Cr → delivered ₹1,506 Cr (= BEAT)
- Growth AUM target 30% → delivered 33% (= BEAT)
Partly delivered
- Branch expansion target 100 new branches → delivered 108 branches across urban/gold/rural (= BEAT)
Earnings Call filed with NSE, NSE: PIRAMALFIN. Summary written with AI assistance from the document.
Piramal Finance Ltd: key numbers
- Share price
- ₹2,142.70
- Market cap
- ₹50,703 Cr
- Revenue (annual)
- ₹11,852 Cr
- Net profit (annual)
- ₹1,504 Cr
- P/E (TTM)
- 30.1×Sector 22.0×
- Promoter holding
- 44.22%-1.94% QoQ
- FII holding
- 15.72%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Piramal Finance Ltd
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