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Shalibhadra Fin.

Q4 FY26

Shalibhadra Fin. Q4 FY26 earnings call: Revenue & Margins

Q4 FY26 earnings call: what management guided on revenue, margins and order book.

Price₹77
Market cap₹234 Cr
P/E11.8
Updated16 Oct 2026
Read4 min read

What the Q4 FY26 call signalled

2 of 4 strong

RevenueGood growth
MarginMargins slightly down
CapexCapex planned
FundraiseNo fundraise planned

The short version

Shalibhadra Finance Limited targets reaching ₹500 crores AUM by FY29 and aims to scale to ₹1000 crores AUM within five years if conditions permit. Shalibhadra Finance aims to grow its AUM from ₹220 crores in FY26 to ₹500 crores by FY29, with a potential to reach ₹1000 crores within about five years if all goes well.

From Shalibhadra Fin.'s Q4 FY26 earnings-call transcript · updated 16 Oct 2026.

Revenue & Sales Performance

Good growth
  • Shalibhadra Finance Limited targets reaching ₹500 crores AUM by FY29 and aims to scale to ₹1000 crores AUM within five years if conditions permit.
  • Growth drivers include:
  • Expanding product portfolio beyond two-wheelers to include Micro LAP, home loans, salaried personal loans, and loans against property.
  • Increasing the number of branches from 61 to 100 by FY29, with plans to add roughly one branch per month.
  • Cross-selling products to existing customers to deepen wallet share.
  • Targeting geographies such as Karnataka and Goa alongside established states like Maharashtra, Gujarat, Madhya Pradesh, and Rajasthan.
  • The company expects that 60% of portfolio will remain in two-wheelers, and 40% in newer products in the next three years.

2 more points from Shalibhadra Fin.'s call on revenue

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Profitability & Margins

See what Shalibhadra Fin. said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

Capex planned
  • The company plans branch expansion as a key strategic investment:
  • Target to expand from 61 branches to 100 branches by FY27.
  • Aim to add approximately 36 branches in the next 36 months (about 1 branch per month).
  • Capex per branch is approximately ₹20 lakhs, covering real estate (₹12-15 lakhs) and other expenses.
  • Branches typically reach break-even within 1 to 1.5 years, recovering initial capex.
  • No mention of any major new capital investment other than the branch rollout.
  • Plans to invest in technology to improve operating efficiency and automate underwriting (currently ~100% automated).
  • Strategic focus on expanding product mix (Micro LAP, home loans) leveraging existing customer base rather than fresh external capital.

2 more points from Shalibhadra Fin.'s call on capex

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Fundraising & Capital Structure

See what Shalibhadra Fin. said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The transcript provided does not contain any information regarding the current or expected order book or pending orders for Shalibhadra Finance Limited. The discussion focuses primarily on financial performance, expansion plans, product mix, underwriting quality, branch economics, and investor engagement, but does not mention order books or pending orders. If you need details on these aspects, you may want to refer to other company reports or investor communications.

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What Shalibhadra Fin.'s management said in earlier quarters

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Frequently Asked Questions

What were Shalibhadra Fin. Q4 FY26 results?

Shalibhadra Finance Limited targets reaching ₹500 crores AUM by FY29 and aims to scale to ₹1000 crores AUM within five years if conditions permit. Shalibhadra Finance aims to grow its AUM from ₹220 crores in FY26 to ₹500 crores by FY29, with a potential to reach ₹1000 crores within about five years if all goes well.

What is Shalibhadra Fin. share price analysis?

Shalibhadra Fin. currently shows a moderate growth signal based on ranking data. The stock trades at a P/E of 11.8 with a market cap of ₹234 Cr. Investors should review the full earnings analysis for detailed insights.

Is Shalibhadra Fin. planning capital expenditure?

The company plans branch expansion as a key strategic investment: - Target to expand from 61 branches to 100 branches by FY27.

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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.