| 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
- ₹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.
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