Piramal Finance Ltd
Piramal Finance Q4 FY26 earnings call: Revenue & Margins
Q4 FY26 earnings call: what management guided on revenue, margins and order book.
The short version
Total Assets Under Management (AUM) expected to grow approximately 25% in FY27. Full year FY26 net profit was INR 1,506 crores, up 3x year-on-year, surpassing the target of INR 1,300-1,500 crores.
From Piramal Finance Ltd's Q4 FY26 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- Total Assets Under Management (AUM) expected to grow approximately 25% in FY27.
- Consolidated profits anticipated to grow around 50% in FY27.
- Growth business AUM increased by 33% year-on-year in FY26, aligned with the goal of INR1,50,000 crores AUM by FY28.
- Retail AUM grew 33% year-on-year in Q4 FY26; retail disbursements up 34% year-on-year.
- Growth business profitability improving steadily, with return on AUM at 2.1% in Q4 FY26, targeting 2.5% by FY27 end.
- Plans to build new businesses targeting more prime-like customers to drive growth.
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Profitability & Margins
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Capital Expenditure Plans
- Piramal Finance is investing in new branch expansions, specifically in gold and rural lending segments.
- Gold branches require about one-third the operating expense of regular urban branches.
- Rural branches require about one-tenth the investment compared to urban branches.
- The company plans to maintain or reduce the opex-to-assets ratio despite branch expansion, prioritizing operating efficiency over rapid branch growth.
- They continue to monitor and proactively manage risks in sensitive sectors but no specific large capital or strategic acquisition is imminent.
- Piramal Finance remains interested in M&A opportunities in microfinance, gold loans, and MSME sectors but seeks value-priced, slightly imperfect assets rather than fully priced ones.
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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 Q4 FY26 results?
Total Assets Under Management (AUM) expected to grow approximately 25% in FY27. Full year FY26 net profit was INR 1,506 crores, up 3x year-on-year, surpassing the target of INR 1,300-1,500 crores.
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?
Piramal Finance is investing in new branch expansions, specifically in gold and rural lending segments.
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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.