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Fedbank Financial Services Limited Q3 FY26 earnings call summary

NSE: FEDFINA · BSE: 544027

Earnings call of 16 Jan 2026, summarised by AI from the filing.

Fedbank Financial Services Q3 FY26 net profit ₹87.9 cr; gold AUM up 52% Y-o-Y to ₹7,905 cr.

Key takeaways

  1. Gold growth Driven by 113 new branches and tonnage growth focus.
  2. ST LAP stress Old book flows continue; in-housing collections by Q4 FY26.

Original filing on BSE

Fedbank Financial Services Limited Q1 FY27 results

As filed: Revenue ₹670 cr (+29% year on year), EBITDA ₹440 cr (+34% year on year), PAT ₹114 cr (+53% year on year), EBITDA margin 65.7% (+242 bps).

The Q1 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

  • Q4 FY26: Revenue ₹616 cr (+18% year on year), EBITDA ₹388 cr (+24% year on year), PAT ₹101 cr (+40% year on year), EBITDA margin 63.0% (+295 bps). Score 61 of 100, In line with trend. Revenue and profit growth were in line with the company's own trend; EBITDA growth was above it. EBITDA margin rose 295 bps year on year. Profit lagged EBITDA because of depreciation, interest or other income, not the business. Revenue grew on the previous quarter, against its usual seasonal pattern. Share price after the results: +6.9% in 29 days (Nifty 500: +0.9%).
  • Q3 FY26: Revenue ₹555 cr (+4% year on year), EBITDA ₹340 cr (+36% year on year), PAT ₹87.9 cr (+300% year on year), EBITDA margin 61.2% (+1,000 bps). Score 69 of 100, Above trend. Revenue growth was well below the company's own trend; EBITDA and profit growth were well above it. EBITDA margin rose 1000 bps year on year. Share price after the results: −13.6% in 29 days (Nifty 500: −0.7%).
  • Q2 FY26: Revenue ₹535 cr (+4% year on year), EBITDA ₹333 cr (+9% year on year), PAT ₹80.0 cr (+23% year on year), EBITDA margin 62.2% (+259 bps). Score 49 of 100, In line with trend. Revenue growth was well below the company's own trend; EBITDA growth was below it; profit growth was above it. EBITDA margin rose 259 bps year on year. Revenue rose ₹22.0 cr on a year ago, against ₹118 cr the year before. Share price after the results: −3.1% in 28 days (Nifty 500: +1.0%).
  • Q1 FY26: Revenue ₹520 cr (+9% year on year), EBITDA ₹329 cr (+12% year on year), PAT ₹75.0 cr (+7% year on year), EBITDA margin 63.3% (+184 bps). Score 52 of 100, In line with trend. EBITDA margin rose 184 bps year on year. Not enough history for a trend yet: scored on growth alone. Share price after the results: +11.3% in 29 days (Nifty 500: −0.3%).
  • Q4 FY25: Revenue ₹523 cr (+28% year on year), EBITDA ₹314 cr (+24% year on year), PAT ₹72.0 cr (+6% year on year), EBITDA margin 60.0% (−197 bps). Score 58 of 100, In line with trend. EBITDA margin fell 197 bps year on year. Not enough history for a trend yet: scored on growth alone. Share price after the results: +6.1% in 30 days (Nifty 500: +3.4%).
  • Q3 FY25: Revenue ₹533 cr (+29% year on year), EBITDA ₹249 cr (−3% year on year), PAT ₹19.0 cr (−71% year on year), EBITDA margin 46.7% (−1,000 bps). Score 28 of 100, Below trend. EBITDA margin fell 1000 bps year on year. Other income 40% of PBT. Not enough history for a trend yet: scored on growth alone. Profit fell 71% from last quarter.
  • Q2 FY25: Revenue ₹513 cr (+30% year on year), EBITDA ₹306 cr (+22% year on year), PAT ₹65.0 cr (+12% year on year), EBITDA margin 59.7% (−364 bps). Score 59 of 100, In line with trend. EBITDA margin fell 364 bps year on year. Not enough history for a trend yet: scored on growth alone. Profit fell 7% from last quarter.

Past price moves after results do not indicate future moves. Not a recommendation.

Fedbank Financial Services Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.