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Earnings Call

Shalibhadra Finance Earnings Call: Key Takeaways

Shalibhadra Finance (SFL) reported strong FY26 performance with AUM growing to ₹219.66 Cr and PAT reaching ₹19.48 Cr. The company is pivoting from a traditional vehicle NBFC to a diversified retail lending platform.

Why this was an Alfa AlertNot a filter event. Performance and targets are steady, but there is no 10% beat over specific prior guidance mentioned.
Highlights
Revenue growthInterest earned grew 12.47% YoY to ₹41.05 Cr in FY26.
MarginsNIMs at 18.15% for FY26; Cost of Funds stable at 11.01%.
Demand visibilityStrong rural demand for two-wheelers and entry into high-growth segments.
Management confidenceHigh; targeting 127% AUM growth by FY29.

Growth

AUM grew 77.4% since FY23 to ₹220 Cr; FY26 PAT rose 21.67% YoY to ₹19.48 Cr.

Outlook

Targeting ₹500 Cr AUM by FY29; plans to expand to 100 branches and launch Micro LAP and Home Loans.

Risks

Asset quality risks in rural segments (GNPA at 2.94%); competition from banks; interest rate fluctuations affecting borrowing costs.

Source

Earnings Call filed with BSE, NSE: SAHLIBHFI. Summary written with AI assistance from the document.

Read the document ↗

Shalibhadra Finance Ltd: key numbers

Share price
₹72.58
Market cap
₹224.2 Cr
Revenue (annual)
₹41.05 Cr
Net profit (annual)
₹19.48 Cr
P/E (TTM)
11.3×Sector 20.8×
Promoter holding
58.10%+0.00% QoQ
FII holding
0.13%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

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