ALFA Finder| Management target | Revenue FY27 |
|---|
| Revenue growth | AUM grew 27% YoY; MSME disbursements up 3% QoQ. |
|---|---|
| Margins | NIMs rose to 10.6%; spreads improved 81 bps YoY. |
| Order book | AUM at ₹11,922 crore; MSME book dominates at ₹9,271 crore. |
| Demand visibility | Visibility remains high but conversion moderated from 42% to 34%. |
| Management confidence | Cautiously optimistic; focusing on steady momentum rather than rapid acceleration. |
Growth
AUM grew 27% YoY to ₹11,922 crore; NIMs improved to 10.6% via cost-of-funds reduction.
Outlook
Maintain 25 bps OpEx reduction guidance; branch expansion slowing to 10-15 units for FY27 consolidation.
Risks
Rising stress in sub-10L ticket sizes and lower log-in-to-disbursement conversions indicate tightening credit environments.
Last quarter's promises, checked
Delivered
- Guided Gold loan book ~20% → delivered 21% (= BEAT)
- Guided 50 bps annual opex reduction → delivered 161 bps cumulative (= BEAT)
- Guided Co-origination ~20% → delivered 18-19% (= BEAT)
Partly delivered
- Guided 5-7% quarterly growth → delivered 7.5% (= BEAT/VOLATILE)
Missed
- Guided 25 branch additions → delivered 46 (= MISS/OVER-EXPANSION)
Earnings Call Transcript filed with BSE, 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