| 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
- ₹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
All →SBFC Finance Board Meeting Date
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
SBFC Finance Limited announced that India Ratings affirmed the credit rating for its securitised notes (Series A1), with an issue size of ₹37.625 Crore.
- Value
- ₹37.62 Cr
SBFC Finance Debt & Borrowing: ₹1.37 Cr
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
SBFC Finance Debt & Borrowing: ₹100 Cr
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.