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Earnings Call Transcript
FY26 earnings call: AUM ₹220 Cr (+25% YoY), PAT ₹19.48 Cr (+21.7%), GNPA 2.94%, CRAR 78.28%, net worth ₹172 Cr; listed on NSE, expanding branches/products and investing in tech; FY29 AUM target ₹500 Cr.
Earnings Transcript
Transcript of Shalibhadra Finance Ltd's Q4 & FY26 earnings call (June 1, 2026): FY26 AUM ₹220 crore (+25% YoY), PAT up ~21.7% to ₹19.48 crore, GNPA 2.94%, CRAR 78.28%; targets AUM ₹500cr by FY29 and 100 branches by FY27.
Audited Financial Results
Shalibhadra Finance published audited results for Q4 and FY ended 31-Mar-2026: Q4 revenue Rs1,098L and PAT Rs513L; FY revenue Rs4,110L and PAT Rs1,948L; paid-up equity Rs3,089L (Rs in lakhs).
Audited Financial Results
Shalibhadra Finance published audited results for the quarter and year ended 31 Mar 2026: Q4 total income Rs 1,098 lakh and PAT after tax Rs 513 lakh; FY2026 total income Rs 4,110 lakh and PAT after tax Rs 1,948 lakh; extract filed with exchanges.
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Shalibhadra Finance Ltd (SAHLIBHFI) is currently trading at 76.29 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
Shalibhadra Finance Limited is an RBI-registered NBFC specializing in small-ticket vehicle financing across rural and semi-urban India, focused primarily on new and used two‑wheelers with secured loans and nearly 100% collateralisation. The company operates a fully owned branch network (58 branches as of Q3FY26) across four states and manages an AUM of ₹212.5 crore. Financial momentum is visible: Q3FY26 total income of ₹11.02 crore, Net Interest Income at ₹9.54 crore (31.4% YoY), PAT of ₹5.03 crore (6.8% YoY), and NIMs near 17.9%. AUM expanded 37% from Dec‑24 to Dec‑25, driven by higher disbursements (₹105.8 crore nine‑months) and disciplined yield management alongside a high capital adequacy ratio of 79%. The operating model leans on durable rural moats: fully owned branches (no franchise/DSA), stable local workforce with long tenures, in‑house LOS/LMS and API integrations for credit and fraud checks, and a cashless disbursement framework. Nearly 40% repeat customers and above‑99% collection efficiency underscore strong borrower stickiness and a calibrated underwriting framework. Growth roadmap balances scale and prudence: management targets ₹300 crore AUM and 100 branches by FY27 while diversifying into Micro LAP and Home Loans and improving funding mix toward nationalized banks to lower cost of borrowings. Offsetting risks include slight GNPA/NNPA uptick and increased borrowings, but the company highlights capital headroom and robust liquidity coverage across ALM buckets.
Over the past 52 weeks, Shalibhadra Finance Ltd has traded between a low of ₹68.40 and a high of ₹141.75. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Shalibhadra Finance Ltd has a market capitalization of approximately 229.69. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Shalibhadra Finance Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 11.79 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 229.69 Cr, Shalibhadra Finance Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Shalibhadra Finance Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Shalibhadra Finance Ltd is 11.79. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
Bearish
2
Neutral
7
Bullish
5
Bearish
26
Neutral
7
Bullish
13
Bearish
24
Neutral
0
Bullish
8
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
39.89 | 255 Cr | 4.76 | 0.87 | 0.26 | 18.24 | 21.69 | 15.25 | ||
14.60 | 244 Cr | -369.82 | 0.98 | 0.00 | -0.27 | -0.22 | -0.21 | ||
263.80 | 237 Cr | 334.03 | 4.89 | 0.00 | 1.48 | 2.83 | 1.43 | ||
9.33 | 233 Cr | -1110.29 | 10.56 | 0.00 | -0.99 | -0.84 | -0.74 | ||
74.36 | 230 Cr | 11.79 | 1.34 | 0.67 | 11.33 | 13.48 | 8.39 | ||
16.48 | 210 Cr | 112.51 | 2.87 | 0.00 | 2.57 | 6.90 | 0.87 | ||
116.20 | 202 Cr | -61.49 | 2.66 | 0.00 | -3.32 | -3.23 | -3.61 | ||
| Median: 7 Co. | — | 39.89 | 233 Cr | 4.76 | 2.66 | 0.00 | 1.48 | 2.83 | 0.87 |
Shalibhadra Finance Limited is an RBI-registered NBFC specializing in small-ticket vehicle financing across rural and semi-urban India, focused primarily on new and used two‑wheelers with secured loans and nearly 100% collateralisation. The company operates a fully owned branch network (58 branches as of Q3FY26) across four states and manages an AUM of ₹212.5 crore.
Financial momentum is visible: Q3FY26 total income of ₹11.02 crore, Net Interest Income at ₹9.54 crore (31.4% YoY), PAT of ₹5.03 crore (6.8% YoY), and NIMs near 17.9%. AUM expanded 37% from Dec‑24 to Dec‑25, driven by higher disbursements (₹105.8 crore nine‑months) and disciplined yield management alongside a high capital adequacy ratio of 79%.
The operating model leans on durable rural moats: fully owned branches (no franchise/DSA), stable local workforce with long tenures, in‑house LOS/LMS and API integrations for credit and fraud checks, and a cashless disbursement framework. Nearly 40% repeat customers and above‑99% collection efficiency underscore strong borrower stickiness and a calibrated underwriting framework.
Growth roadmap balances scale and prudence: management targets ₹300 crore AUM and 100 branches by FY27 while diversifying into Micro LAP and Home Loans and improving funding mix toward nationalized banks to lower cost of borrowings. Offsetting risks include slight GNPA/NNPA uptick and increased borrowings, but the company highlights capital headroom and robust liquidity coverage across ALM buckets.
Finance
Non Banking Financial Company (NBFC)
236 Cr
Low Risk
12.1
17.8
0.3
1.3
141.75
68.40
Sales CAGR
Profit CAGR
ROE
ROCE
