ALFA Finder| Revenue growth | AUM grew 29% YoY; MSME AUM up 22%; Gold AUM up 63%. |
|---|---|
| Margins | Spreads stable at 9.09%; yields at 17.61% for Q4. |
| Demand visibility | Positive; MSME and Gold segments showing consistent traction in small towns. |
| Management confidence | High; citing 33% CRAR and significant runway in underpenetrated districts. |
Growth
AUM grew 29% YoY to ₹11,270 Cr; PAT for FY26 increased 31% to ₹451 Cr.
Outlook
Guided 20-25% AUM growth; opex expected to decline 20-25bps; branch count to stabilize around 275.
Risks
Rising inflation via fuel/currency shocks, potential impact of harsh weather on rural demand, and credit cost volatility.
Earnings Call filed with BSE, NSE: SBFC. Summary written with AI assistance from the document.
SBFC Finance Ltd: key numbers
- Share price
- ₹89.79
- Market cap
- ₹9,985 Cr
- Revenue (annual)
- ₹1,679 Cr
- Net profit (annual)
- ₹450.8 Cr
- P/E (TTM)
- 19.6×Sector 20.8×
- Promoter holding
- 52.23%-0.08% QoQ
- FII holding
- 7.66%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from SBFC Finance Ltd
All →SBFC Finance Employee Stock Options
SBFC Finance Limited allotted 1,67,318 equity shares to employees following the exercise of stock options under various ESOP schemes. This allotment increased the company's paid-up equity capital to Rs. 1,112.08 Crore.
SBFC Finance Earnings Call Transcript: Key Takeaways
SBFC delivered consistent performance, achieving its 36th consecutive quarter of growth with a 15% ROE despite shifting focus away from micro-MSME segments.
SBFC Finance Investor Presentation: Key Takeaways
Q2 FY27 PAT ₹139 Cr (+27% YoY), AUM ₹12,592 Cr (+27% YoY, +6% QoQ), GNPA 2.6%, RoAAUM 4.6%, RoATE 15.0%. Focus remains secured MSME loans of ₹5–30 lakh.
SBFC Finance Other Announcement
SBFC Finance certified sufficient security cover for secured listed NCDs as on 30 September 2026. The auditor's certificate states no numeric cover ratio.
SBFC Finance Q2 FY27 Results: Net Profit ₹138.9 Cr, Up 27.3% YoY
SBFC Finance Ltd reported revenue from operations of ₹546.4 Cr (+33.0% YoY) and net profit of ₹138.9 Cr (+27.3% YoY) for Q2 FY27.
- Key figure
- Net profit ₹138.9 Cr · +27.3% YoY
SBFC Finance Debt & Borrowing: ₹1.3 Cr
SBFC Finance Ltd has successfully paid Rs.1.30 Crore in interest for its Series A6 non-convertible debentures, adhering to the scheduled payment terms.
- Value
- ₹1.30 Cr