SBFC Finance Q2 FY27: PAT ₹130 Cr & Rev ₹11,922 Cr

Metric	Value
Revenue	₹11,922 Cr
Net Profit (PAT)	₹130 Cr

📢 Key Event
SBFC Finance Limited reported Q1 FY27 net profit of INR 130 crores, up 6% QoQ and 29% YoY.

🔄 What Changed
Net profit increased 6% QoQ and 29% YoY; AUM grew 27% YoY to INR 11,922 crores; MSME disbursements rose 3% QoQ to INR 809 crores; cost of borrowing fell 90 bps YoY to 8.42%; spreads expanded 81 bps YoY to 9.48%; provisioning ratio increased to 1.91%; opex rose 36 bps QoQ to 4.29%.

🔮 What's Next
SBFC reiterated its guidance for a 25-bps reduction in cost of borrowing and expects credit cost to remain range-bound at 1.4-1.5% for the next two quarters.

💡 Investor Takeaway
SBFC is managing margin pressure through disciplined cost control and spread expansion while navigating macro headwinds, maintaining strong capital ratios and provisioning above regulatory minimums.

SBFC Finance Limited reported Q1 FY27 net profit of INR 130 crores, up 6% QoQ and 29% YoY, driven by improved spreads and cost management despite headwinds from interest rate volatility and gold price declines. AUM grew 27% YoY to INR 11,922 crores, with MSME disbursements up 3% QoQ to INR 809 crores. Cost of borrowing fell 90 bps YoY to 8.42%, and spreads expanded by 81 bps YoY to 9.48%. The company maintained a 32% capital adequacy ratio and provisioned 1.91% of assets, above regulatory requirements. It reiterated guidance for a 25-bps reduction in cost of borrowing and expects credit cost to remain range-bound at 1.4-1.5% for the next two quarters.

📄 View Original Announcement (PDF)

📊 Stock Analysis — SBFC ✨ Ask AI About This

About SBFC Finance Limited (SBFC)

Financial Services · Finance · Listed on NSE

Market Cap: ₹10,388.75 Cr P/E: 29.2 ROE: 10.8% ROCE: 10.4%

View full SBFC stock details →

📡 Get AI alerts when SBFC files next

Free • Daily 5 PM digest • Track filings, board meetings, and corporate actions

Track SBFC — Free

💡 Ask AI about this filing

"How will SBFC maintain spread expansion if gold yields decline?" "What is the expected timeline for MSME disbursement growth to stabilize?" "When will the 25-bps cost of borrowing reduction be fully realized?"

Ask AI Free →

📊 More SBFC filings

See all SBFC filings →

🔥 Also filed on 31 July 2026

KUANTUM Kuantum Papers Limited Announcement INDIAGLYCO India Glycols Limited Corporate Action TVVISION TV Vision Limited Announcement MARUTI Maruti Suzuki India Limited Financial Results MARUTI Maruti Suzuki India Limited Financial Results RAMRAT Ram Ratna Wires Limited Financial Results

View all today's announcements →

Source: Stock Announcements. Analysis by StockFin.ai. For informational purposes only — not investment advice.

Editorial & Data Transparency Notice

This analysis was programmatically compiled using StockFin AI utilizing official regulatory disclosures from the BSE and NSE. Content is automatically synthesized and audited against public financial filings. StockFin.ai is an educational research platform and is NOT a SEBI-registered investment advisor or research analyst.

📡 Get AI alerts when SBFC files new disclosures

Track SBFC filings, board meetings, and corporate actions. Free email alerts at 5 PM.

Track SBFC — Free

Free account · 2 AI queries/day

About · Privacy Policy · Terms of Service · Pricing

Today's Announcements · Screener · Insights · AI Chat

Data provided by CMOTS Internet Technologies Pvt Ltd