India · Delayed Price · Currency is INR SBFC Finance Earnings Call Transcripts
Fiscal Year 2026
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AUM grew 29% YoY to INR 11,270 crore, with PAT up 31% for the year and strong capital adequacy at 33%. Guidance for 5%-7% quarterly growth and stable credit costs maintained, with continued focus on operational efficiency and branch expansion.
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AUM grew 29% YoY to INR 10,478 crore, with strong MSME and gold loan growth, and PAT up 34% YoY. Cost-to-income ratio improved to 35%, while management remains cautious on credit quality and macro risks. Gold loans will be kept near 20% of AUM.
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AUM reached INR 10,000 crore with 29% YoY growth, and PAT rose 30% YoY. Asset quality remains under watch, especially in Karnataka and lower ticket segments, but guidance for 5-7% QoQ AUM growth and 15% ROE is maintained.
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Quarterly PAT reached INR 101 crore, with AUM up 30% YoY and strong capital adequacy. Credit costs are expected to rise by 15-20 bps due to MSME stress, but ROE and AUM growth guidance remain intact. Gold loans are driving higher yields.
Fiscal Year 2025
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AUM grew 28% YoY to INR 8,747 crores, with PAT up 29% YoY for Q4 and 46% for the year. Asset quality remains stable, OPEX improved, and technology initiatives are driving efficiency. Guidance targets 5%-7% QoQ growth, 20-25 new branches, and continued focus on MSME and gold loans.
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AUM grew 30% YoY and 6% QoQ, with profit up 38% YoY and 5% QoQ. NIMs, yields, and spreads remained stable, while cost-to-income and credit costs were well managed. Guidance for growth, cost, and credit quality is unchanged, with a 15% ROE targeted by next year.