FEDFINA

What Fedbank Financial Services promised, and what happened

Every commitment management made on a call, tracked from the quarter it was made — reaffirmed, revised, diluted or quietly dropped.

Guidance record · Q1 FY27

what the last two calls moved 19 tracked 5 delivered 6 missed 8 open
  • Credit Cost (ROA basis) missed said Q2 FY25 Promised: 90-100 bps for FY25 Q1 FY27: Promise relates to FY25, not discussed.
  • Gold Loan Tonnage Growth at risk said Q4 FY26 Promised: we will be budgeting for a 10%, 15% tonnage growth. Q1 FY27: Q1 tonnage growth was 1% QoQ, which annualizes to ~4%, below the budgeted 10-15% range. Management focus has shifted to AUM growth guidance (25-30% ex-price), but the original tonnage target appears at risk.
  • AUM Growth on track said Q4 FY26 Promised: we will be a 20%, 25% AUM growth company, and we'll continue with that. Q1 FY27: Management reiterated the 20-25% AUM growth guidance for FY27. Q1 AUM grew 35% YoY, tracking ahead of the target range.

The rest of the ledger

Above is what the last two calls moved. Pro opens all 19 tracked commitments for Fedbank Financial Services — every quarter's revision, the source quote behind each one, and the topics management has stopped answering.

See what Pro opens