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Shalibhadra Finance Q4 FY26 Share Price & Earnings Call Analysis

₹71.26+0.24% today
Market cap
₹220 Cr
P/E
11.11
ROE
11.94%
PEG
0.35
Price to sales
5.17
Debt to equity
0.33
52W high / low
₹114 / ₹70.0
Sales growth (5Y)
14.48%
EBITDA margin
75.60%
Net profit margin
47.40%
Promoter holding
58.10%
Sales (last year)
₹43 Cr

Incorporated in 1992, Shalibhadra Finance Ltd is in the business of financing[1]

Guidance scorecard · Q4 FY26 call

What Shalibhadra Finance's management guided
and where it ranks in Finance

#42of 64 in
Finance
Revenue20–40%MarginsFlatCapexPlannedFundraisingNone plannedOrder bookWhat management said

RevenueQ4 FY26 call

20–40%
  • Expected gradual reduction in yield (ROA from 8.65% to ~7%) due to competition and product mix shift.
  • Credit rating expected to improve after reaching 500 crore AUM, aiding better borrowing costs.
  • Risks include agricultural income dependency affecting NPAs and growth slowdown.
Full Q4 FY26 analysis

MarginsQ4 FY26 call

Flat

See what Shalibhadra Finance said on margins — free account, 30 seconds.

Full Q4 FY26 analysis

CapexQ4 FY26 call

Planned
  • 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.

2 more points from Shalibhadra Finance's call on capex

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Full Q4 FY26 analysis

FundraisingQ4 FY26 call

None planned

See what Shalibhadra Finance said on fundraising — free account, 30 seconds.

Full Q4 FY26 analysis

Order bookQ4 FY26 call

Ask what Shalibhadra Finance said on the order book →

Full Q4 FY26 analysis
Full Finance ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Finance
on management's own guidance

  1. Strong growth
    2
  2. Strong growth
    1
  3. Strong growth
    3
See all potential multibaggersWhere does Shalibhadra Finance rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Finance companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
140%+Up 2%+₹2,632 Cr69.0
240%+Up 2%+₹458 Cr23.7
340%+Up 0–2%₹877 Cr29.8
440%+Flat₹40,658 Cr37.4
540%+Flat₹16,070 Cr70.5
640%+Flat₹13,546 Cr—

Sign up free to see every company in the sector ranking and track Shalibhadra Finance.

Pro shows every company guiding 40%+ revenue growth →Full Finance ranking

Financials of Shalibhadra Finance

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Shalibhadra Finance

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +7.857.347.718.189.528.968.239.859.459.479.4911.1210.97
Interest1.741.651.431.521.901.681.531.100.980.990.991.481.69
Expenses +2.912.342.252.353.162.742.102.822.852.532.373.112.22
Financing Profit3.203.354.034.314.464.544.605.935.625.956.136.537.06
Financing Margin %40.76%45.64%52.27%52.69%46.85%50.67%55.89%60.20%59.47%62.83%64.59%58.72%64.36%
Other Income +0.000.030.000.000.000.000.000.000.000.000.000.040.01
Depreciation0.010.020.020.020.020.020.020.020.030.030.030.040.03
Profit before tax3.193.364.014.294.444.524.585.915.595.926.106.537.04
Tax %26.33%25.89%24.94%26.34%25.45%24.78%24.67%20.30%20.75%22.80%22.13%22.97%27.13%
Net Profit +2.352.493.013.163.313.403.454.714.434.574.755.035.13
EPS in Rs0.940.991.081.131.181.211.211.521.431.481.541.631.66
Gross NPA %
Net NPA %

Financials of Shalibhadra Finance

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +121316192224212228333641
Interest345789977755
Expenses +345557879101010
Financing Profit6578985811162126
Financing Margin %47%42%42%41%41%34%23%37%41%49%57%63%
Other Income +000000000000
Depreciation000000000000
Profit before tax6568985811162126
Tax %35%37%34%28%28%28%30%26%26%26%22%24%
Net Profit +434666468121619
EPS in Rs1.901.732.152.843.202.901.763.013.344.285.186.31
Dividend Payout %13%14%12%11%9%0%7%7%7%7%2%8%

Financials of Shalibhadra Finance

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital5555555567831
Reserves14162026323740537290147141
Borrowing252943607176625755583756
Other Liabilities +644675433344
Total Liabilities50557396115123112117136158195232
Fixed Assets +112222223334
CWIP000000000000
Investments001112000093
Other Assets +49537093112119110115134156183225
Total Assets50557396115123112117136158195232

Financials of Shalibhadra Finance

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-4-3-12-15-12072-53-27
Cash from Investing Activity +-0-0-2-0-1-22-1-2-2-10
Cash from Financing Activity +531417124-14111924
Net Cash Flow0-012-13-42410-13
Free Cash Flow-5-4-12-15-12072-52-28
CFO/OP-26%-15%-87%-85%-58%15%67%26%-9%29%-85%

Financials of Shalibhadra Finance

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %22%17%18%20%19%15%8%12%12%14%13%12%

Guidance history

How Shalibhadra Finance's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q4 FY26 call →20–40%FlatPlannedNone planned—
Q4 FY26 call →20–40%Down 0–2%PlannedNone planned—

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

Continue your research

What Shalibhadra Finance's management said in earlier quarters

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