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SBFC Finance
SBFC Finance (SBFC) investor relations material
SBFC Finance Q1 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 26/27 earnings summary25 Jul, 2026
Executive summary
Achieved 27% year-on-year and 6% quarter-on-quarter AUM growth, reaching ₹11,922 crore as of June 2026.
PAT rose 29% year-on-year and 6% quarter-on-quarter to ₹130 crore, with ROE at 14.7%.
Gross NPA stood at 2.66% with a provision coverage ratio (PCR) of 42%.
Cost-to-AUM ratio improved by 30 bps year-on-year to 4.29%.
Unaudited financial results for the quarter ended June 30, 2026, were approved by the Board on July 25, 2026.
Financial highlights
Total income for Q1 FY27 was ₹4,915.65 million, up from ₹3,885.42 million in Q1 FY26 and ₹4,541.42 million in Q4 FY26.
Net profit after tax for Q1 FY27 was ₹1,301.23 million, compared to ₹1,008.92 million in Q1 FY26.
MSME AUM grew 4.5% quarter-on-quarter to ₹9,271 crore; gold loan AUM up 11% quarter-on-quarter to ₹2,631 crore.
Yield on loans was 17.90%, spread was 9.48%, and net interest margin was 10.68%.
PPOP improved 7.3% quarter-on-quarter and 34.4% year-on-year.
Outlook and guidance
Guidance for ROE, spreads, and cost reduction remains unchanged for the coming quarter.
Expect credit cost to remain range-bound at 1.4–1.5% for the next two quarters.
Branch expansion to slow, with 10–15 new branches planned for the year, focusing on productivity of recent additions.
Focus remains on secured MSME lending in the ₹5–30 lakh segment, targeting a market growing at 23% CAGR.
The company maintains sufficient security cover for its secured listed non-convertible debentures, with a security cover ratio of 1.20x as of June 30, 2026.
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Latest events from SBFC Finance
- AUM up 29% YoY, PAT up 31%, gross NPA at 2.61%, and capital adequacy at 32.84%.SBFC
Q4 25/26 - AUM up 29% YoY, PAT up 34% YoY, with stable asset quality and strong capital ratios.SBFCQ3 25/26
- Q2 FY26 saw 30% YoY profit growth, 29% AUM growth, and stable asset quality and spreads.SBFCQ2 25/26
- AUM and profit surged in Q1 FY25, with stable asset quality and full compliance in fund use.SBFCQ1 24/25
- AUM up 33% YoY to ₹7,715 crore; PAT up 60% to ₹84 crore; strong asset quality and capital base.SBFCQ2 24/25
- AUM and PAT up 30% and 38% YoY, GNPA at 2.70%, and capital adequacy at 38.4%.SBFCQ3 24/25
- AUM up 28%, PAT up 46%, strong asset quality and efficiency, with tech-driven growth.SBFCQ4 24/25
- PAT up 28% YoY to ₹101 crore; AUM up 30% YoY; asset quality and capital ratios strong.SBFCQ1 25/26
Next SBFC Finance earnings date
Q2 26/2731 Oct, 2026
SBFC Finance
Next SBFC Finance earnings date
Q2 26/2731 Oct, 2026
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