)
Visual
test
SBFC Finance
SBFC Finance (SBFC) investor relations material
SBFC Finance Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary24 Jan, 2026
Executive summary
AUM reached ₹10,478 crore as of December 2025, up 29% YoY and 5% QoQ, with nearly all loans secured by property or gold.
PAT for the quarter was ₹118 crore, a 34% YoY and 8% QoQ increase.
Gross NPA stood at 2.71% with a provision coverage ratio of 46.21%.
Cost-to-AUM ratio improved to 3.93%, and return ratios were strong with ROA at 4.67% and ROE at 14.56%.
Leadership transition announced: MD moves to non-executive vice chairman, with internal succession planned.
Financial highlights
Total income for Q3 FY26 was ₹426 crore, up 27.8% YoY; PAT was ₹118 crore, up 34% YoY.
Yield for the quarter was 17.78%, down 23 bps QoQ and 3 bps YoY; spread stable at 9.04% QoQ, up 54 bps YoY.
Cost of borrowing at 8.74%, down 22 bps QoQ and 57 bps YoY.
Operating expenses to AAUM ratio improved to 3.93% in Q3 FY26.
For 9M FY26, total income reached ₹1,225 crore (up 29.7% YoY), and PAT was ₹328 crore (up 30.8% YoY).
Outlook and guidance
AUM growth guidance maintained at 5%-7% QoQ for FY26.
Operating cost reduction of 50 bps targeted for the year, with further efficiency improvements planned.
Credit cost guidance for next quarter is 5-10 bps variation; full-year guidance to be provided in April.
No deviation in use of NCD proceeds; funds fully utilized for on-lending to secured MSMEs and gold loans.
The MSME financing market (₹5–30 lakh) is estimated at ₹4 lakh crore, growing at a 24% CAGR.
Impairment cost trend vs. revenue growth?
What factors contributed to the CRAR decline?
What is the impact of NCD proceeds on loan book?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- YUM
Double-digit profit growth, digital expansion, and strategic actions defined the year. - 443060
Record 2025 revenue and profit, strong core growth, and robust 2026 outlook with high dividends. - GAIN
Record new investments and NAV growth highlight a strong quarter with robust distributions. - GAINRecord realized gains and income drove higher NAV and strong distributions in FY25.
- GAINNet investment income reached $9.1M, NAV per share was $12.99, and distributions stayed strong.
- EPAC
Directors, auditor, and executive pay were approved with strong shareholder participation. - ARCC
FY 2025 delivered $2.01 core EPS, $1.86/share net income, and a $29.5B portfolio. - GAINNAV per share rose to $13.53 on strong portfolio growth and stable adjusted NII.
- MATW
Net income $43.6M, sales $284.8M, debt reduced $174M, FY2026 EBITDA guidance $180M. - GM
Disciplined transformation, resilient cash flow, and software growth drive a strong outlook.
Next SBFC Finance earnings date
Q4 25/2627 Apr, 2026
SBFC Finance
Next SBFC Finance earnings date
Q4 25/2627 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage