| Revenue growth | Total income +33% YoY to ₹547 Cr |
|---|---|
| Margins | Opex-to-AAUM 4.1% (-33 bps YoY); spread 9.6% (+58 bps YoY) |
| Demand visibility | Co-origination AUM ₹1,746 Cr, 18% of Secured MSME |
Growth
Total income ₹547 Cr (+33% YoY, +11% QoQ); pre-provision profit ₹227 Cr (+28.5% YoY). H1 PAT ₹269 Cr (+28% YoY).
Outlook
No explicit numeric growth guidance, targets, or capex plans disclosed in the presentation.
Risks
Secured MSME disbursement volume down 2% YoY; finance cost up 52% YoY; 1+DPD steady at 9.2%.
Last quarter's promises, checked
Delivered
- Spread >9% guided → 9.6% (= BEAT)
- Opex -25bps FY27 guided → -33bps YoY Q2 (= BEAT, single quarter)
Partly delivered
- Opex ≤4% by FY27-end guided → 4.1% Q2 (= PARTIAL)
- Co-origination back to ~20% of book guided → 18% of Secured MSME AUM (= PARTIAL)
- 0+ DPD stabilise in Q1 guided → 1+DPD steady at 9.2%, rollback unproven (= PARTIAL)
Missed
- Q2 disbursal upside from co-origination reset guided → Secured MSME volume -2% YoY (= MISS)
Investor Presentation filed with NSE, NSE: SBFC. Summary written with AI assistance from the document.
SBFC Finance Ltd: key numbers
- Share price
- ₹90.49
- Market cap
- ₹10,062 Cr
- Revenue (annual)
- ₹1,679 Cr
- Net profit (annual)
- ₹450.8 Cr
- P/E (TTM)
- 19.7×Sector 19.7×
- 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 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 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
SBFC Finance Debt & Borrowing: ₹0.59 Cr
SBFC Finance Ltd has successfully completed the interest payment for its listed Non-Convertible Debentures, amounting to ₹0.59 Crore.
- Value
- ₹0.59 Cr
SBFC Finance Credit Rating
SBFC Finance Limited announced credit rating affirmations from India Ratings for securitisation notes issued by its asset-backed trust, Prime Trust LAP Aug 22.