| Revenue growth | AUM grew 27% YoY, driven by MSME and Gold segments. |
|---|---|
| Margins | Spreads at 9.63% beat guidance; expected to stabilize around 9-9.25%. |
| Demand visibility | Strong demand in secured MSME segments; cautious on sub-₹7 lakh loans. |
| Management confidence | Balanced and conservative, emphasizing boring, predictable results over aggressive expansion. |
Growth
AUM grew 27% YoY to ₹12,592 Cr; MSME AUM up 18% and Gold AUM up 23%.
Outlook
Management guides for 5-7% AUM growth per quarter and further 25 bps Opex reduction in FY27.
Risks
Rising competition in Gold loans and portfolio stress in the sub-₹7 lakh MSME category remain primary risks.
Last quarter's promises, checked
Delivered
- Spread guided >9% → 9.63% (= BEAT)
Partly delivered
- Opex guided closer to 4% or below by FY-end (from 4.29%) → 4.07% (= PARTIAL)
- Branches guided 10-15 in FY27 → 6 added in H1, total 257 (= PARTIAL)
Earnings Call Transcript 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 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
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.