Sbfc Finance Limited has informed the Exchange about Transcript
SBFC · price
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SBFC Finance reported Q4 FY25 AUM of INR 8,747 crores, up 28% year-on-year and 7% quarter-on-quarter, with 100% of the book secured by property and gold. Profit after tax for the quarter stood at INR 94 crores (up 29% YoY) and full-year PAT at INR 345 crores (up 46% YoY). GNPA was stable at 2.74% with provision coverage at 45.69%, while capital adequacy remained strong at 36.1% and ROA for the quarter at 4.52%. The company opened 22 new branches in FY25, taking the total to 205. Management guided to 5-7% sequential AUM growth in FY26, another 50 basis points reduction in opex, 20-25 new branches, and maintained credit cost guidance of 1% plus or minus 10 basis points.
The call reinforces steady growth and improving profitability, but management was cautious on cost of funds, explicitly not penciling in any reduction which could limit near-term margin expansion. Shareholders can expect continued branch-led growth and operating leverage benefits, while closely watching the 0+ delinquency bucket that is temporarily elevated due to Karnataka portfolio issues.