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Earnings Call

Shalibhadra Finance Earnings Call: Key Takeaways

Shalibhadra Finance reported FY26 AUM of ₹220Cr (up 25% YoY) and PAT of ₹19.48Cr (up 21.67%). The company is pivoting to 'Shalibhadra 2.0', diversifying into Micro-LAP and Home Loans using proprietary technology.

Why this was an Alfa AlertNot a filter event. Multi-year targets provided (FY29) rather than >50% single-year YoY guidance.
Highlights
MarginsYields declined to 20.8%; ROA expected to moderate to 7% with diversification.
Demand visibilityStrong rural demand for two-wheelers and housing finance.
Management confidenceHigh; citing strong capital position (78.28% CRAR) for non-dilutive growth.

Growth

AUM grew 25% YoY to ₹220Cr; PAT increased 21.67% to ₹19.48Cr; ROI 8.65%; ROE 11.33%.

Outlook

Targeting ₹500Cr AUM by FY29; expanding from 61 to 100 branches by FY27; ROA expected to stabilize around 7%.

Risks

Asset quality is sensitive to agricultural cycles and irregular rainfall impacting rural borrower income.

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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