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Stock Report
SBFC Finance Reports Q1 FY27 Net Profit of ₹130.1 Crore; Top-Line Expands 26.5% YoY
Posted On : 2026-07-25 20:52:28( TIMEZONE : IST )
SBFC Finance Limited (BSE: 543959, NSE: SBFC, CIN: L67190MH2008PLC182917), a leading non-banking financial company (NBFC) catering to MSMEs and self-employed individuals, announced its unaudited financial results for the first quarter ended June 30, 2026.
The lender delivered a strong Q1 FY27 performance, marked by 28.97% YoY growth in Net Profit, expanding interest income, and high capital adequacy.
Key Financial Highlights (Q1 FY27 vs Q1 FY26 & Q4 FY26)
Revenue from Operations: Surged 26.52% YoY to ₹491.46 Crore (₹4,914.64 Million) from ₹388.44 Crore (₹3,884.36 Million) in Q1 FY26, driven by higher credit disbursement and loan book growth.
Total Income: Recorded at ₹491.57 Crore (₹4,915.65 Million), up 26.52% YoY compared to ₹388.54 Crore (₹3,885.42 Million) in the year-ago period.
Profit Before Tax (PBT): Rose 28.30% YoY to ₹174.12 Crore (₹1,741.22 Million) against ₹135.71 Crore (₹1,357.11 Million) in Q1 FY26.
Net Profit (PAT): Surged 28.97% YoY to ₹130.12 Crore (₹1,301.23 Million) from ₹100.89 Crore (₹1,008.92 Million) in Q1 FY26, expanding 5.99% sequentially over Q4 FY26 (₹122.77 Crore).
Net Profit Margin: Stood strong at 26.47% for the quarter, compared to 25.97% in Q1 FY26.
Earnings Per Share (EPS): Basic EPS improved to ₹1.18 per share (face value ₹10 each), up from ₹0.93 in Q1 FY26 and ₹1.12 in Q4 FY26. Diluted EPS stood at ₹1.17.
Income & Expenses Breakdown
Income & Expenses (₹ in Millions) | Q1 FY27 | Q1 FY26 | Q4 FY26 --------------------------------------------------------------------------------------- Interest Income | 4,596.07 | 3,548.97 | 4,225.15 Fees and Commission Income | 273.47 | 248.23 | 274.19 Net Gain on Fair Value Changes | 24.15 | 73.54 | 23.22 Other Operating Income | 20.95 | 13.62 | 17.77 Total Revenue from Operations | 4,914.64 | 3,884.36 | 4,540.33 Other Income | 1.01 | 1.06 | 1.09 Total Income | 4,915.65 | 3,885.42 | 4,541.42 Finance Costs | 1,524.94 | 1,250.60 | 1,474.28 Impairment on Financial Instruments | 416.87 | 248.30 | 370.37 Employee Benefits Expense | 888.64 | 703.19 | 762.10 Depreciation and Amortisation Expense | 48.49 | 50.37 | 50.07 Other Expenses | 295.49 | 275.85 | 243.31 Total Expenses | 3,174.43 | 2,528.31 | 2,900.13 Tax Expense | 439.99 | 348.19 | 413.62
Asset Quality & Provisioning Metrics
SBFC Finance maintained stable asset quality metrics across its portfolio:
Gross NPA (Stage III): Stood at 2.66%, showing an improvement of 12 bps YoY compared to 2.78% in Q1 FY26 (2.61% in Q4 FY26).
Net NPA (Stage III): Recorded at 1.55%, compared to 1.57% in Q1 FY26.
Provision Coverage Ratio (PCR): Stood at 42.22% on Stage III assets, compared to 41.64% in Q4 FY26.
Impairment Losses: Impairment on financial instruments stood at ₹41.69 Crore (₹416.87 Million) for the quarter.
Key Financial Ratios & Capital Position
Financial & Capital Ratios | Q1 FY27 | Q1 FY26 | Q4 FY26 --------------------------------------------------------------------------------------- Capital to Risk Assets Ratio (CRAR) | 31.95% | 34.28% | 32.84% Liquidity Coverage Ratio (LCR) | 216.73% | 171.81% | 145.36% Debt-Equity Ratio (times) | 2.29x | 1.73x | 1.92x Total Debts to Total Assets (times) | 0.68x | 0.63x | 0.65x Net Worth (₹ in Millions) | 38,731.77 | 32,992.83 | 37,251.52
Capital Adequacy: At 31.95%, CRAR remains comfortably well above regulatory minimum thresholds, offering strong capital buffer for future credit expansion.
Liquidity Position: Liquidity Coverage Ratio strengthened significantly to 216.73% during the quarter.
Net Worth: Reached ₹3,873.18 Crore (₹38,731.77 Million) as of June 30, 2026.
Paid-up Share Capital: Stood at ₹1,106.60 Crore (₹11,065.97 Million) with a face value of ₹10 per share.
Shares of SBFC Finance Limited was last trading in BSE at Rs. 92.13 as compared to the previous close of Rs. 90.56. The total number of shares traded during the day was 85533 in over 794 trades.
The stock hit an intraday high of Rs. 92.40 and intraday low of 90.00. The net turnover during the day was Rs. 7797081.00.
