| 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
- ₹88.86
- Market cap
- ₹9,855 Cr
- Revenue (annual)
- ₹1,679 Cr
- Net profit (annual)
- ₹450.8 Cr
- P/E (TTM)
- 20.5×Sector 22.0×
- Promoter holding
- 52.31%-0.04% QoQ
- FII holding
- 7.22%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 Board Meeting Date
SBFC Finance Limited schedules a board meeting on October 24, 2026, to approve unaudited financial results for the quarter and half-year ending September 30, 2026.
SBFC Finance Credit Rating
SBFC Finance received a credit rating reaffirmation from CARE Ratings for its bank facilities, commercial paper, and NCDs, with a positive outlook revision.
SBFC Finance Credit Rating
SBFC Finance Limited announced that India Ratings affirmed the credit rating for its securitised notes (Series A1), with an issue size of ₹37.625 Crore.
- Value
- ₹37.62 Cr
SBFC Finance Debt & Borrowing: ₹1.37 Cr
SBFC Finance Limited paid interest of Rs.1.37 Crore on its listed non-convertible debentures. This confirms the successful servicing of the company's monthly debt obligation.
- Value
- ₹1.37 Cr
SBFC Finance Debt & Borrowing: ₹100 Cr
SBFC Finance allotted 10,000 secured, rated NCDs aggregating to ₹100 Crore on a private placement basis.
- Value
- ₹100.0 Cr
SBFC Finance Other Announcement
SBFC Finance received an ESG rating of 75.00 (Leader) from Niche99 ESG Ratings for FY 2025-26. The rating was prepared independently using public-domain data.