SBFC Finance (SBFC) Q1 24/25 earnings summary

Executive summary

• Professional management team with strong governance and marquee investors.

• Unaudited standalone and consolidated financial results for the quarter ended 30 June 2024 were approved, showing continued growth in revenue and profitability.

• Focus on secured MSME loans to small businesses, targeting ₹5–30 lakh ticket size.

• Pan-India presence with 186 branches across 16 states and 2 UTs.

• No deviations or variations in the utilization of IPO or NCD proceeds; all funds were used as intended.

Financial highlights

• AUM at ₹7,167 crore, up 35% year-over-year and 5% sequentially.

• PAT at ₹79 crore, up 68% year-over-year and 7% sequentially.

• Standalone total income for Q1 FY25 was ₹2,975.07 million, up from ₹2,299.30 million in Q1 FY24.

• Consolidated net profit for Q1 FY25 was ₹789.07 million, showing strong year-over-year growth.

• Basic EPS (standalone) for Q1 FY25 was ₹0.73, compared to ₹0.52 in Q1 FY24.

Outlook and guidance

• Continued focus on granular, secured MSME lending with robust risk management.

• Monitoring agency and auditors confirm alignment with stated business expansion and capital augmentation plans.