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SBFC Finance Limited Q2 FY27 earnings call summary

NSE: SBFC · BSE: 543959

Earnings call of 26 Oct 2026, summarised by AI from the filing.

SBFC's Q2 FY27 PAT rose 27% Y-o-Y to ₹139 cr with ROE at 15.04%, as it guides 5% to 7% quarterly AUM growth.

Key takeaways

  1. PAT ₹139 cr in Q2 FY27, up 7% Q-o-Q and 27% Y-o-Y, with ROE at 15.04%.
  2. AUM guidance Management guides 5% to 7% AUM growth per quarter from here on.
  3. Credit cost Fell to 1.37% from 1.44% as 0+ delinquencies stabilised after peaking in June.
  4. MSME repositioning Shift to larger tickets lifted MSME disbursements 6% Q-o-Q to ₹855 cr, the highest post-listing.
  5. Gold competition Rising competitive intensity in gold loans may force pricing rationalisation, so 9.6% spreads are not the new norm.

Original filing on BSE

SBFC Finance Limited Q2 FY27 results

As filed: Revenue ₹546 cr (+33% year on year), EBITDA ₹387 cr (+38% year on year), PAT ₹139 cr (+27% year on year), EBITDA margin 70.8% (+263 bps).

The Q2 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

  • Q1 FY27: Revenue ₹491 cr (+27% year on year), EBITDA ₹331 cr (+25% year on year), PAT ₹130 cr (+29% year on year), EBITDA margin 67.4% (−113 bps). Score 51 of 100, In line with trend. Revenue and profit growth were below the company's own trend; EBITDA growth was well below it. EBITDA margin fell 113 bps year on year. Revenue rose ₹103 cr on a year ago, more than the ₹90.0 cr it added the year before. Share price after the results: +0.1% in 30 days (Nifty 500: +2.6%).
  • Q4 FY26: Revenue ₹454 cr (+26% year on year), EBITDA ₹316 cr (+28% year on year), PAT ₹123 cr (+31% year on year), EBITDA margin 69.7% (+100 bps). Score 58 of 100, In line with trend. Revenue, EBITDA and profit growth were below the company's own trend. EBITDA margin rose 100 bps year on year. Revenue rose ₹93.0 cr on a year ago, more than the ₹82.0 cr it added the year before. Share price after the results: −1.8% in 30 days (Nifty 500: +1.6%).
  • Q3 FY26: Revenue ₹426 cr (+28% year on year), EBITDA ₹299 cr (+31% year on year), PAT ₹118 cr (+34% year on year), EBITDA margin 70.2% (+168 bps). Score 65 of 100, In line with trend. Revenue and EBITDA growth were in line with the company's own trend; profit growth was below it. EBITDA margin rose 168 bps year on year. Revenue rose ₹92.6 cr on a year ago, more than the ₹69.0 cr it added the year before. Share price after the results: −4.6% in 30 days (Nifty 500: +3.4%).
  • Q2 FY26: Revenue ₹411 cr (+31% year on year), EBITDA ₹280 cr (+31% year on year), PAT ₹109 cr (+30% year on year), EBITDA margin 68.1% (−3 bps). Score 54 of 100, In line with trend. Revenue growth was above the company's own trend; EBITDA growth was in line with it; profit growth was below it. EBITDA margin was flat year on year. Revenue rose ₹97.0 cr on a year ago, more than the ₹68.0 cr it added the year before. Share price after the results: −5.6% in 30 days (Nifty 500: +0.9%).
  • Q1 FY26: Revenue ₹388 cr (+30% year on year), EBITDA ₹266 cr (+30% year on year), PAT ₹101 cr (+28% year on year), EBITDA margin 68.6% (+10 bps). Score 65 of 100, Above trend. Revenue growth was above the company's own trend; EBITDA growth was in line with it; profit growth was well below it. EBITDA margin rose 10 bps year on year. Revenue rose ₹90.0 cr on a year ago, more than the ₹68.0 cr it added the year before. Share price after the results: +2.5% in 30 days (Nifty 500: +0.2%).
  • Q4 FY25: Revenue ₹361 cr (+29% year on year), EBITDA ₹248 cr (+32% year on year), PAT ₹94.0 cr (+27% year on year), EBITDA margin 68.7% (+131 bps). Score 78 of 100, Above trend. EBITDA margin rose 131 bps year on year. Not enough history for a trend yet: scored on growth alone. Share price after the results: +10.4% in 28 days (Nifty 500: +3.5%).
  • Q3 FY25: Revenue ₹334 cr (+27% year on year), EBITDA ₹229 cr (+32% year on year), PAT ₹88.0 cr (+38% year on year), EBITDA margin 68.6% (+265 bps). Score 81 of 100, Above trend. EBITDA margin rose 265 bps year on year. Not enough history for a trend yet: scored on growth alone.

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

SBFC Finance Limited earnings call, investor presentation and press release summaries

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