SBFC SBFC Finance Q2 FY27 results (Jul–Sep 2026) and concall
SBFC delivered its 36th consecutive quarter of sequential growth. AUM grew 27% YoY to ₹12,592 crores, PAT grew 27% YoY to ₹139 crores, and ROE crossed 15% for the first time on leverage of only 2.31x. Margins were strong, with spreads of 9.63% above guidance, and efficiency improved: Opex fell to 4.07% and credit cost to 1.37%, helped by AI-led origination and collections. The MSME franchise is recovering after the company stopped lending below ₹7 lakh, and disbursements are at a post-listing high. Management remains cautious because of rate hikes, El Nino, the gold-loan regulatory reset and r
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What they filed
Q2 FY27: revenue up 6.5%, net profit up 27.5% against the same quarter last year.
| Line item | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 | Q2 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 26 | 29 | 31 | 31 | 28 +8% | 26 −10% | 27 −13% | 33 +6% |
| Net profit | 88 | 94 | 101 | 109 | 118 +34% | 123 +31% | 130 +29% | 139 +28% |
How to read this
₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.
Inve summary of a publicly available earnings call transcript; see how call summaries are prepared. Not investment advice.
