ALFA Finder| Revenue growth | Total Income grew 27.8% YoY for Q3. |
|---|---|
| Margins | Yield at 17.78%; Spreads stable at 9.04%. |
| Demand visibility | Targeting large MSME market of ₹4 lakh crore. |
| Management confidence | High; citing consistent AUM growth and credit underwriting. |
Growth
AUM grew 29% YoY to ₹10,478 crore. 9M FY26 PAT rose 31% YoY to ₹328 crore.
Outlook
AUM crossed ₹10,000 crore milestone in Q3. Focus remains on ₹5-30 lakh ticket size secured MSME segment.
Risks
Gross NPA slightly increased to 2.71% from 2.70% YoY. Credit costs rose from 0.97% to 1.29% YoY.
Last quarter's promises, checked
Delivered
- Guided Gold share 20% → delivered 21% (= BEAT)
- Guided 50 bps opex reduction → delivered 161 bps cumulative (= BEAT)
- Guided 25 branch additions → delivered 46 (= BEAT)
Partly delivered
- Guided 5-7% quarterly growth → delivered 7.5% (= BEAT/PARTIAL)
Missed
- Guided credit cost stable → delivered 1.38% vs 1.29% prev (= MISS)
Earnings Call Transcript filed with NSE, NSE: SBFC. Summary written with AI assistance from the document.
SBFC Finance Ltd: key numbers
- Share price
- ₹89.83
- Market cap
- ₹9,990 Cr
- Revenue (annual)
- ₹1,679 Cr
- Net profit (annual)
- ₹450.8 Cr
- P/E (TTM)
- 19.6×Sector 21.0×
- 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