Sbfc Finance Limited has informed the Exchange about Transcript

SBFC Finance held its Q4 FY'26 earnings call with AUM at INR 11,270 crores (29% YoY) and PAT at INR 123 crore for the quarter (FY26 full-year PAT of INR 451 crore, up 31%). Cost of funds fell 48 bps and opex fell 46 bps year-over-year; cumulative 3-year opex reduction reached 161 bps vs. 150 bps guided. The company maintained its 5-7% quarterly growth guidance and confirmed gold comprises ~21% of the book (expected to move to ~25%), with spreads holding at ~9% and over 90% of the book on variable rates. Management flagged macro headwinds (oil shock, inflation, fiscal pressures, monsoons) but said the company remains well-capitalized (CRAR 33%, leverage 1.9x) with a 2-year capital runway. Stage 2 provisions were recalibrated upward (from ~6% to ~16%) reflecting model refinement as portfolio matures, with overall provision coverage at 1.84% (2.1x IRAC norms). Credit cost guidance of 1.38% maintained range-bound for FY27. The company plans to stabilize at 275 branches (currently 251) before further scaling, targeting to double the book in ~3 years.