SBFC Finance Ltd (NSE:SBFC)

Q1 2026 SBFC Finance Ltd Earnings Call Transcript

Jul 26, 2025 / 10:30 AM GMT

Transcript

Key Points

Positve

SBFC Finance Ltd (BOM:543959) reported a profit after tax of 101 crore, marking a significant milestone for the company.
The company experienced a 30% year-on-year growth in assets under management (AUM), reaching 9,351 crore.
SBFC Finance Ltd added 10 new branches during the quarter, bringing the total to 215, indicating expansion and growth.
The cost of borrowing decreased by 3 basis points, contributing to an improved spread of 8.67% for the quarter.
The company maintains a strong capital adequacy ratio of 34.3%, reflecting financial stability and capacity for future growth.

Negative

There is a noted increase in rejection rates by 10% due to tightened credit filters, indicating potential challenges in loan approvals.
The company is facing headwinds from stagnating income and weak urban consumption, impacting overall economic growth.
SBFC Finance Ltd anticipates an increase in credit costs by 15 to 20 basis points, which could affect profitability.
The company is experiencing pressure from increased one-plus DPDs (days past due), indicating rising delinquencies.
Political risks and economic uncertainties have led to challenges in collections, particularly in certain regions like Karnataka.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

SBFC.NS - SBFC Finance Ltd
Q1 2026 SBFC Finance Ltd Earnings Call
Jul 26, 2025 / 10:30AM GMT

=====================
Presentation
--------------------------------------------------------------------------------
Unidentified_1 [1]
--------------------------------------------------------------------------------
Ladies and gentlemen, good day and welcome to the SBFC Finance Limited Q1F 26 earnings conference call. As a reminder, all participant lines will be in the list only more, and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during the conference call, please speak with an operator by staff on your touch on telephone. Please note that this call is being recorded. I now have to Mr. Resh from ICC Securities.

Thank you and over to you, sir.

--------------------------------------------------------------------------------
Unidentified_2 [2]
--------------------------------------------------------------------------------
Thank you, Shruti. Good

Already have an account? Log in

Get the full story

Subscribe Now

	Access to All Earning Calls and Stock Analysis
	30-Year Financial on one screen
	All-in-one Stock Screener with unlimited filters
	Customizable Stock Dashboard
	Real Time Insider Trading Transactions
	8,000+ Institutional investors’ 13F holdings
	Powerful Excel Add-in and Google sheets Add-on
	All data downloadable
	Quick customer support
	And much more...

7-Day Free Trial · Cancel Anytime

Subscription fee may be tax deductible.

Excellent

4.6 out of 5

Trustpilot

Research Tools

All-In-One Screener Stock Ideas Stock List Guru List Guru Real-Time Picks Insider List Insider Trades Economic Indicators Sector & Industry Performance DCF Calculator Calculators Discussion Board

Product

Pricing Plans Excel Add-In Google Sheets Add-on Data API Stock Comparison Table Manual of Stocks Instant Alerts Mobile App Newsletters Signup 中文

Education

Financial Glossary Tutorials FAQ Buffett Indicator Shiller P/E Yield Curve Today U.S. Inflation Rate Global Market Valuation Fed Net Liquidity Buffett Assets Allocation

Company

About GuruFocus Career Contact Us Advertise Term of Use Privacy Policy Referral Program Partner Program

Survey

We'd love to learn more about your experiences on GuruFocus.com and how we can improve!

Take Survey

Disclaimers

GuruFocus.com is not operated by a broker or a dealer. Under no circumstances does any information posted on GuruFocus.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The individuals or entities selected as "gurus" may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. Gurus may be added or dropped from the GuruFocus site at any time. In no event shall GuruFocus.com be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on GuruFocus.com, or relating to the use of, or inability to use, GuruFocus.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. The gurus listed in this website are not affiliated with GuruFocus.com, LLC. Stock quotes are provided by QuoteMedia, Inc. (CSI). Company fundamental data is provided by Morningstar. Analyst estimates data is sourced from both Refinitiv and Morningstar, with priority given to Refinitiv data. Data is updated daily.