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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
SBFC Finance
SBFC Finance (SBFC) investor relations material
SBFC Finance Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary26 Oct, 2026
Executive summary
Q2 FY27 AUM reached ₹12,592 crore, up 27% YoY and 6% QoQ; net profit was ₹1,388.74m, up 27.2% YoY.
ROATE was 15.04%; debt-to-equity was 2.31x.
Statutory auditors issued an unmodified limited review conclusion on Q2 and H1 results.
Financial highlights
Q2 total income was ₹5,466.62m; revenue from operations was ₹5,463.87m, versus ₹4,107.84m YoY.
Q2 PBT was ₹1,857.79m versus ₹1,458.84m YoY; net profit was ₹1,388.74m versus ₹1,091.35m.
H1 revenue from operations was ₹10,378.51m and PBT ₹3,599.01m; net profit reached ₹2,689.97m versus ₹2,100.26m YoY.
Q2 finance costs were ₹1,959.68m and impairment expense ₹414.44m; basic and diluted EPS were ₹1.25 each.
Segment performance
Secured MSME AUM was ₹9,669 crore, up 18% YoY; Q2 disbursements were ₹855 crore, up 6% QoQ, with average ticket size of ₹10.78 lakh.
Co-origination accounted for ₹112 crore, or 13%, of Q2 secured MSME disbursements; co-origination AUM was ₹1,746 crore, or 18%.
Gold-loan AUM was ₹2,906 crore, or 23% of AUM; lending operated in 236 of 257 branches.
AUM was distributed across 202 cities in 18 states and 2 UTs; operations comprise one financing business and one domestic geographical segment.
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Latest events from SBFC Finance
- AUM up 38% and net profit up 58%, with strong asset quality and capital adequacy.SBFC
Q4 23/24 - AUM up 27% YoY, PAT up 29%, gross NPA at 2.66%, and CRAR at 31.95%.SBFCQ1 26/27
- AUM up 29% YoY, PAT up 31%, gross NPA at 2.61%, and capital adequacy at 32.84%.SBFCQ4 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 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
Q3 26/2723 Jan, 2027
SBFC Finance
Next SBFC Finance earnings date
Q3 26/2723 Jan, 2027
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