| 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
- ₹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
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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
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- Value
- ₹37.62 Cr
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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
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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.