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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?
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Next SBFC Finance earnings date
Q4 25/2627 Apr, 2026
SBFC Finance
Next SBFC Finance earnings date
Q4 25/2627 Apr, 2026
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