SBFC Finance
Financial Services · 1 quarter tracked · source-linked performance and management context.
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Call date
2026-04-??
latest available source date
Signal trajectory
1 actual quarterCurrent read
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Latest source read
What changed this quarter?
SBFC Finance reported Q4 FY26 PAT of ₹123 crore (+30% YoY) and full-year PAT of ₹451 crore (+31% YoY). AUM grew 29% YoY to ₹11,270 crore, driven by gold loans (+63% YoY) which now form 21% of AUM. Spreads expanded 56bps YoY to 9.09% as cost of borrowing fell 83bps. Opex reduced 69bps YoY to 3.93%, while credit cost stood at 1.38%. Management maintained growth guidance of 5-7% quarterly and expects opex to decline 20-25bps in FY27. Gold share may rise to 25% as branch additions mature. Key risk: macro headwinds from inflation and rising interest rates could pressure MSME borrowers and elevate credit costs.
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Revenue
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Source date
2026-04-??
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