)
Edge28 Nov 2025
Keeping the Streak Alive: The Story of Duolingo
How Duolingo made language learning addictive, scaled to millions of users, and built a powerful subscription business around everyday practice.
SBFC Finance (SBFC) investor relations material
SBFC Finance Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary1 Nov, 2025
Executive summary
Achieved AUM of INR 10,000 crore, up 29% year-over-year, surpassing the milestone in October 2025.
PAT for the quarter at INR 109 crore, up 30% YoY, with continued growth in revenue and profitability.
MSME AUM constitutes 82% of total, growing at 29% YoY and 6% QoQ.
Branch network expanded to 220, with 5 new branches added in the quarter, serving 1,84,424 live customers.
Focus remains on secured lending to MSMEs and gold loans, with minimal unsecured exposure.
Financial highlights
Total income for Q2 FY26 was ₹411 crore, up 30.8% YoY; PAT for the quarter was ₹109 crore, up 30%.
Yield for the quarter at 18.01%, spread at 9.05%, both improved YoY and QoQ.
Cost of borrowing reduced to 8.96%, down 36 bps YoY and QoQ; opex to AAUM ratio improved to 4.40%.
Basic EPS for Q2 FY26 was ₹1.00; pre-provisioning operating profit for Q2 FY26 increased 37.1% YoY to ₹177 crore.
Net worth as of September 30, 2025, was ₹34,342.50 million.
Outlook and guidance
Guidance maintained for 5-7% AUM growth QoQ and 25-30% annual growth.
Credit cost expected to rise by 10-15 bps before peaking.
ROE target remains at 15% as leverage increases moderately.
Strong capital position and liquidity coverage ratio support future growth.
No deviation in the use of NCD proceeds; funds used as intended for MSMEs and gold loans.
Impact of stressed loan transfers on asset quality?
What caused the LCR drop and future outlook?
What is the growth strategy for MSME and gold loans?
Assess impact of tightened credit screens on 1+ DPD
What drives future operating leverage gains?
Impact of SARFAESI arbitrage on NBFC resolution?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next SBFC Finance earnings date
Q3 25/2626 Jan, 2026
Next SBFC Finance earnings date
Q3 25/2626 Jan, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage