ALFA Finder| Revenue growth | AUM grew 25% YoY; continuing growth business AUM up 32%. |
|---|---|
| Margins | NIMs flat QoQ at 6.5%; retail yields stable at 13.4%. |
| Demand visibility | Strong demand in mortgages and unsecured retail segments across Bharat markets. |
| Management confidence | Balanced; highly optimistic on retail AI but cautious on IT sector. |
Growth
Growth AUM up 32% YoY; Net Profit rose 67% YoY to 461 Crore, highlighting strong retail momentum.
Outlook
Management reiterated FY27 guidance, aiming for 2.5% Return on AUM by year-end.
Risks
Rising delinquencies in Southern IT sector; potential yield compression from shift to higher ticket-size mortgages.
Last quarter's promises, checked
Delivered
- Legacy book target INR 3,000-3,500 Cr → delivered INR 2,807 Cr (= BEAT)
- Growth AUM target 30% → delivered 33% (= BEAT)
- Consolidated Net Profit target INR 1,300-1,500 Cr → delivered INR 1,506 Cr (= BEAT)
Partly delivered
- Branch expansion target 100 new branches → delivered 108 branches (= BEAT, but current call reports 79)
Earnings Call filed with NSE, NSE: PIRAMALFIN. Summary written with AI assistance from the document.
Piramal Finance Ltd: key numbers
- Share price
- ₹2,119.20
- Market cap
- ₹50,274 Cr
- Revenue (annual)
- ₹11,852 Cr
- Net profit (annual)
- ₹1,504 Cr
- P/E (TTM)
- 26.5×Sector 21.0×
- 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.
More from Piramal Finance Ltd
All →Piramal Finance Other Announcement
Piramal Finance submits its provisional October 2026 Asset Liability Management statement, filed with RBI, under commercial paper listing rules. It reports balance sheet outflows and inflows by time bucket.
Piramal Finance Employee Stock Options
Piramal Finance allotted 6,00,000 equity shares to its ESOP Trust under the 2025 employee scheme. Paid-up share capital rises to Rs 47,44,60,612 across 23,72,30,306 shares.
Piramal Finance Debt & Borrowing: ₹131.3 Cr
Piramal Finance Limited has redeemed secured NCDs worth ₹131.35 Crore upon maturity. The full redemption of ISIN INE140A07740 was completed on November 3, 2026.
- Value
- ₹131.3 Cr
Piramal Finance Debt & Borrowing: ₹28.47 Cr
Piramal Finance Ltd paid annual interest on four secured NCD series on 3 November 2026, totalling Rs.28.47 Crore. No delay or non-payment was reported.
- Value
- ₹28.47 Cr
Piramal Finance Debt & Borrowing: ₹159.8 Cr
Piramal Finance Limited has paid Rs.159.81 Crore towards interest and redemption of multiple Non-Convertible Debentures. This includes full redemption of ISIN INE140A07740 amounting to Rs.131.35 Crore.
- Value
- ₹159.8 Cr
Piramal Finance Debt & Borrowing: ₹228.3 Cr
Piramal Finance confirmed timely payment of ₹228.34 Cr annual interest on NCDs (ISIN INE202B07JW4). This is routine debt servicing on a ₹2,500 Cr issue.
- Value
- ₹228.3 Cr