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%. Gold loan growth was robust, OpEx and borrowing costs declined, and guidance for 5%-7% quarterly growth is maintained amid macro uncertainties.
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AUM grew 29% YoY to INR 10,478 crore, with strong gold loan growth and stable asset quality. PAT rose 34% YoY, cost-to-income improved to 35%, and management remains cautious on disbursals amid rising household debt and regional portfolio risks.
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AUM grew 29% YoY and 6% QoQ, with PAT up 30% YoY and 8% QoQ. Credit costs remain elevated, especially in lower ticket loans and Karnataka, but spreads and ROE improved. Guidance for 5%-7% QoQ AUM growth and stable spreads 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 slightly due to stress in smaller ticket MSME loans, but profitability and ROE remain on track, supported by operational efficiencies and a stable gold loan mix.
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 to INR 8,148 crores, with core operating profit up 38% YoY. Cost-to-income ratio improved, credit costs remain within guided range, and ROE rose to 12.75%. Guidance for 5%-7% QoQ growth and 15% ROE by next year is maintained.