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Earnings Call

Shalibhadra Finance Earnings Call: Key Takeaways

Shalibhadra Finance delivered robust 25% AUM growth in FY26, leveraging its strong capital base and proprietary technology to expand from two-wheelers into high-ticket mortgage and personal loans.

Highlights
Revenue growthAUM grew 25% YoY to ₹220 crores in FY26.
MarginsMargins expected to compress slightly due to mortgage segment entry.
Demand visibilityHigh demand in rural Gujarat, Maharashtra, MP, and Rajasthan.
Management confidenceConfident; utilizing strong capital without needing equity dilution.

Growth

AUM grew 25% to ₹220cr; PAT increased 21.67% to ₹19.48cr with ROE at 11.33%.

Outlook

Targeting ₹500cr AUM by FY29; expanding branch network to 100 locations by FY27.

Risks

Competition in mortgage segments may compress NIMs; heavy reliance on rural agricultural income exposes asset quality to monsoons.

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
₹77.20
Market cap
₹238.5 Cr
Revenue (annual)
₹41.05 Cr
Net profit (annual)
₹19.48 Cr
P/E (TTM)
12.0×Sector 22.0×
Promoter holding
58.10%+0.32% QoQ
FII holding
0.00%Current quarter

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

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