How does Q1 net profit compare to the same quarter last year?

Net profit rose 29% to ₹130.12 crore from ₹100.89 crore in Q1 last year, driven by a 26% increase in total income.

What drove the NPA improvement?

Gross NPA fell to 2.66% from 2.78% a year ago, reflecting better collections or write-offs. The filing doesn't detail the drivers.

What is the significance of the employee stock issuance?

The board approved 8.92 lakh equity shares under stock option plans—a routine retention tool, not a material dilution (less than 0.5% of equity).

Is this quarter's performance a surprise?

No. The market expected steady growth; the numbers are in line with the trend. The filing is a routine scheduled disclosure.

Earnings · Finance - NBFC · Mid cap

SBFC Finance Q1 profit rises 29% to ₹130 cr

Net profit hit ₹130.12 crore for the June quarter, with total income climbing to ₹491.57 crore. Gross NPA improved to 2.66% from 2.78% a year ago. The board also approved employee stock options.

— 3 earlier stories on SBFC Finance Ltd. →

SBFC By Tipsheet Editorial 25 Jul 2026 · 3:38 PM IST Verify on BSE · NSE

Mkt cap₹10,057 cr

P/E22.31×

ROE12.10%

Debt / eq.1.92

₹130.12 cr Net profit in Q1 FY27, up 29% YoY

What's new

Net profit rose 29% YoY to ₹130.12 cr.
Total income increased to ₹491.57 cr from ₹388.54 cr.
Gross NPA improved to 2.66% from 2.78% a year ago.

Why this matters

The quarter is a steady beat on profit growth and asset quality, but the market had already priced in the trajectory. A routine scheduled update with no strategic surprises.

What we're watching

Loan growth trajectory in coming quarters.
NPA trend amid a stable macro.
Sustainability of income growth as base effects fade.

The full read

SBFC Finance delivered a solid first quarter: net profit rose 29% to ₹130.12 crore on income of ₹491.57 crore—both ahead of the year-ago figures. Gross NPA improved to 2.66%, extending a clean asset-quality trend. The board also approved 8.92 lakh equity shares under employee stock plans, a routine retention gesture. What's missing? Surprise. The market had already pencilled in this trajectory. For now, a steady start to the year.

Questions answered

How does Q1 net profit compare to the same quarter last year?: Net profit rose 29% to ₹130.12 crore from ₹100.89 crore in Q1 last year, driven by a 26% increase in total income.
What drove the NPA improvement?: Gross NPA fell to 2.66% from 2.78% a year ago, reflecting better collections or write-offs. The filing doesn't detail the drivers.
What is the significance of the employee stock issuance?: The board approved 8.92 lakh equity shares under stock option plans—a routine retention tool, not a material dilution (less than 0.5% of equity).
Is this quarter's performance a surprise?: No. The market expected steady growth; the numbers are in line with the trend. The filing is a routine scheduled disclosure.

Mentioned: SBFC Finance · ₹130.12 cr · Gross NPA 2.66%

Primary source BSE · NSE · Tijori

An independent reading of the company's own disclosure — the primary filing above is the final word.

Company snapshot

SBFC Finance Ltd.

NBFC

₹10,359 cr

P/E 22.98×

Latest quarter · Mar 2025

Total income₹361 cr

Net profit₹94 cr

Net margin+26.1%

EPS₹0.87

Leverage & growth

Debt / equity1.65×

Story so far

All notes on SBFC →

25 Jul 2026 · 3:38 PM IST SBFC Finance Q1 profit rises 29% to ₹130 cr
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