Piramal Finance Ltd
Piramal Finance Q3 FY26 earnings call: Revenue & Margins
Q3 FY26 earnings call: what management guided on revenue, margins and order book.
The short version
Piramal Finance aims for a 25% AUM growth by the end of FY '26, supported by a 35% growth rate achieved in the first 9 months. Piramal Finance targets a 25% AUM growth by the end of the year, with the Growth book expanding steadily at around 35%.
From Piramal Finance Ltd's Q3 FY26 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- Piramal Finance aims for a 25% AUM growth by the end of FY '26, supported by a 35% growth rate achieved in the first 9 months.
- Retail AUM grew 34% year-on-year, with broad-based growth across six product categories (20%-60% YoY).
- Wholesale 2.0 AUM grew 35% YoY, showing steady scaling in real estate and corporate mid-market segments.
- Disbursements in retail were up 26% YoY, with an expected healthy growth trajectory in Q4.
- The company plans to open approximately 100 new branches in Q4, expanding in full-service, gold loans (25 branches), and microfinance (50 branches), targeting growth in these white spaces.
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Profitability & Margins
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Capital Expenditure Plans
- In Q4, Piramal Finance plans to open 100 new branches: 25 full-service, 20 gold loan branches, and 55 microfinance branches.
- The Capex associated with this branch expansion is described as very small, with a focus on maintaining the overall opex to AUM ratio trajectory.
- Branch growth strategy will be calibrated to ensure smooth opex to assets ratio progression.
- Expansion plans beyond the 100 branches for the next year are under consideration, but details are not yet finalized.
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Top-ranked in Finance
Ranked on what management guided this quarter
Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
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Order Book & Pipeline
Piramal Finance Ltd — Quarterly revenue & net profit
Reported quarterly figures (₹ Cr). Latest (Q2 FY27): revenue ₹3.7K Cr, net profit ₹545 Cr. Revenue and profit are scaled separately — hover a quarter for exact figures.
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What Piramal Finance.'s management said in earlier quarters
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Frequently Asked Questions
What were Piramal Finance Ltd Q3 FY26 results?
Piramal Finance aims for a 25% AUM growth by the end of FY '26, supported by a 35% growth rate achieved in the first 9 months. Piramal Finance targets a 25% AUM growth by the end of the year, with the Growth book expanding steadily at around 35%.
What is Piramal Finance Ltd share price analysis?
Piramal Finance Ltd currently shows a neutral. The stock trades at a P/E of 103.9 with a market cap of ₹46,643 Cr. Investors should review the full earnings analysis for detailed insights.
Is Piramal Finance Ltd planning capital expenditure?
In Q4, Piramal Finance plans to open 100 new branches: 25 full-service, 20 gold loan branches, and 55 microfinance branches.
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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.