Q1-FY27 · Vineet Gupta
We don't have any magic wand. You know the magic wand is the business the way we are operating. We are a supply chain focused NBFC and supply chain inherently have a lower credit cost.
SGFIN / language trends
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SG Finserve · tone and specificity signals across the available quarters.
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Language signals
What changed in management language.
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Q1-FY27 · Vineet Gupta
Our mission number one is that we ensure zero NPA. Correct from zero loan book today we are at 4,500 crore loan book zero NPA, then this can be 10,000 crore number also provided there is zero NPA.
Q1-FY27 · Vineet Gupta
We are a very conservative lender. That conservatism is reflecting in our NPA and feed cost. We want to grow profitable, we want to grow sustainable and stable growth.
Q2-FY26 · Anbar Gupta
We are confident that quarter-on-quarter earnings growth should be 10% on QoQ basis and when the company gets fresh equity in March April 2026 from warrant conversion, we shall go slightly aggressive in expanding the loan book but with the mindset that whatever comes on our table it has to have minimal or almost zero risk.
Q2-FY26 · Management
What we believe is that 10 to 12% quarter-on-quarter EPS growth in Q3 and Q4 is possible. So we should be near about 120-125 crore of PAT which is slightly lower than what was earlier guided 150 crore for the full year. This is in the backdrop of slowing macro environment where businesses have not grown as expected.
Q2-FY26 · Management
We also might have some NPA going forward next few years. But in comparison, supply chain finance is a much safer financing compared to other term lending or personal loan or business loan products.
Q3-FY26 · Vin Gupta
We have achieved all-time high loan book of 3,210 crore as of 31st December, registering a quarter and quarter growth of 12%. At the same time our profitability perspective profit after tax for Q3 stand at 32 crore reflecting a quarter-on-quarter growth of 15%.
Q3-FY26 · Anub Gupta
For us, what matters to us more than growth is uh no accident. Okay. No NPA. So if we grow loan book faster than what we have guided for without any NPA, we will go aggressive next year.
Q3-FY26 · Vin Gupta
Fair enough. We'll be more prudent and we'll improve ourselves promise from our side.