ALFA Finder| Revenue growth | Interest income on loans grew 29.7% YoY. |
|---|---|
| Margins | Spread improved to 9.48% (+81 bps YoY); NIM at 10.68%. |
| Demand visibility | Strong MSME segment opportunity of ₹4.6 lakh crore. |
| Management confidence | High; citing cycle-tested management and marquee investors. |
Growth
PAT grew 29% YoY to ₹130 Cr; AUM increased 27% YoY and 6% QoQ.
Outlook
Focus remains on the ₹5-30 lakh ticket size MSME segment, targeting a market growing at 23% CAGR.
Risks
Gross NPA slightly increased QoQ from 2.61% to 2.66%; 1+ DPD rose to 9.18%.
Last quarter's promises, checked
Delivered
- Guided Gold share ~20% → delivered 21% (= BEAT)
- Guided quarterly growth 5-7% → delivered 7.5% (= BEAT)
- Guided annual opex reduction 50 bps → delivered 161 bps cumulatively (= BEAT)
Partly delivered
- Guided branch stabilization at 275 → delivered 256 (+5 since last call) (= PARTIAL)
Missed
- Guided credit cost range-bound/improving → delivered Gross NPA 2.66% vs 2.61% (= MISS)
Investor Presentation 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