Shalibhadra Finance Ltd
Shalibhadra Finance Q4 FY26 earnings call: Revenue & Margins
Q4 FY26 earnings call: what management guided on revenue, margins and order book.
What the Q4 FY26 call signalled
2 of 4 strong
The short version
Targeting 500 crore AUM by FY29, with growth driven by: - Expanding product mix: Two-wheelers to remain 60%, newer products (Micro LAP, home loans) 40%. Shalibhadra Finance targets a 500 crore AUM by FY29, growing from 220 crores in FY26 (25% CAGR). - PAT grew 21.67% YoY to 19.48 crores in FY26; ROA currently 8.65%, expected to normalize around 7% in next 2-3 years due to product mix shift. - Expansion to 100 branches by FY27 and further AUM scaling to 1000 crores within 5 years anticipated, supporting profit growth. - Credit cost expected to remain stable, with lower cost for new products (1% for mortgage vs.
From Shalibhadra Finance Ltd's Q4 FY26 earnings-call transcript · updated 16 Oct 2026.
Revenue & Sales Performance
- Targeting 500 crore AUM by FY29, with growth driven by:
- Expanding product mix: Two-wheelers to remain 60%, newer products (Micro LAP, home loans) 40%.
- Increasing branch count from 61 to 100 by FY29, adding roughly one branch per month.
- Cross-selling products to existing customers to boost portfolio.
- Increasing AUM per branch, with break-even at 50 lakhs AUM per branch within 1-1.5 years.
- Focusing expansion in Saurashtra (Gujarat), Madhya Pradesh (Bhopal), Maharashtra (Nagpur and other areas), and entering Karnataka and Goa.
- Expected gradual reduction in yield (ROA from 8.65% to ~7%) due to competition and product mix shift.
2 more points from Shalibhadra Finance Ltd's call on revenue
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Profitability & Margins
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Capital Expenditure Plans
- Current capex per branch is approximately ₹20 lakhs, which covers initial investments like real estate and basic setup.
- Real estate cost per branch ranges from ₹12-15 lakhs; additional expenses include furniture and inaugural events.
- Branches typically break even within 1 to 1.5 years after opening.
- The company plans to add one branch per month, targeting 100 branches by FY29 from the current 61.
- Total capex is aligned with branch expansion, with a goal to add around 36 branches over 36 months.
2 more points from Shalibhadra Finance Ltd's call on capex
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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
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What Shalibhadra Fin.'s management said in earlier quarters
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Frequently Asked Questions
What were Shalibhadra Finance Ltd Q4 FY26 results?
Targeting 500 crore AUM by FY29, with growth driven by: - Expanding product mix: Two-wheelers to remain 60%, newer products (Micro LAP, home loans) 40%. Shalibhadra Finance targets a 500 crore AUM by FY29, growing from 220 crores in FY26 (25% CAGR). - PAT grew 21.67% YoY to 19.48 crores in FY26; ROA currently 8.65%, expected to normalize around 7% in next 2-3 years due to product mix shift. - Expansion to 100 branches by FY27 and further AUM scaling to 1000 crores within 5 years anticipated, supporting profit growth. - Credit cost expected to remain stable, with lower cost for new products (1% for mortgage vs.
What is Shalibhadra Finance Ltd share price analysis?
Shalibhadra Finance Ltd 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 Finance Ltd planning capital expenditure?
Current capex per branch is approximately ₹20 lakhs, which covers initial investments like real estate and basic setup.
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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.