SBFC Finance Limited announced robust financial performance for the quarter and nine months ended December 31, 2025, demonstrating strong growth across key metrics. The non-banking financial company, registered with the Reserve Bank of India and classified under the "Middle Layer" pursuant to RBI's scale-based regulation directions, delivered impressive results that reflect its solid operational execution.

Financial Performance Highlights

The company's financial performance showed remarkable improvement across all major parameters. Net profit for Q3FY26 surged 34.01% year-on-year, while total income registered strong double-digit growth, underlining the company's expanding business operations.

Nine-Month Performance

For the nine months ended December 31, 2025, SBFC Finance maintained its growth trajectory with consistent performance improvements. The company's nine-month results demonstrate sustained operational efficiency and business expansion.

Revenue Composition and Growth Drivers

The company's revenue growth was primarily driven by strong performance in its core lending business. Interest income, the primary revenue source, grew significantly during the quarter, reflecting the company's expanding loan portfolio and improved yield management.

Key Revenue Components for Q3FY26:

• Interest income: ₹3,973.09 million (vs ₹3,073.13 million in Q3FY25)
• Fees and commission income: ₹280.90 million (vs ₹146.47 million in Q3FY25)
• Net gain on fair value changes: ₹(11.54) million (vs ₹32.79 million in Q3FY25)
• Other operating income: ₹13.21 million (vs ₹79.21 million in Q3FY25)

Asset Quality and Risk Management

SBFC Finance maintained healthy asset quality parameters, demonstrating effective risk management practices. The company's asset quality metrics remained stable, reflecting prudent lending practices and robust collection mechanisms.

Capital Adequacy and Financial Ratios

The company maintained strong capital adequacy ratios and financial metrics, providing a solid foundation for future growth. Key financial ratios demonstrate the company's robust financial position and operational efficiency.

Key Financial Ratios:

• Capital to Risk Assets Ratio: 31.70% (vs 38.36% in Q3FY25)
• Debt Equity Ratio: 1.97 times (vs 1.56 times in Q3FY25)
• Net Profit Margin: 27.72% (vs 26.43% in Q3FY25)
• Liquidity Coverage Ratio: 213.40% (vs 285.06% in Q3FY25)

Earnings Per Share and Market Metrics

The company's earnings per share showed improvement, reflecting the strong bottom-line growth. Both basic and diluted EPS registered healthy increases compared to the corresponding quarter last year.

The Board of Directors approved these unaudited financial results at their meeting held on January 24, 2026, following recommendation from the Audit Committee. The results have been reviewed by the company's statutory auditors, M M Nissim & Co LLP, Chartered Accountants.

Source:

SBFC Finance Limited has announced its quarterly earnings conference call to discuss Q3FY26 financial results. The company informed stock exchanges on January 21, 2026, about the scheduled investor interaction pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

Conference Call Schedule

The earnings conference call is scheduled for Saturday, January 24, 2026, at 4:15 PM IST. The discussion will cover the company's financial performance for the quarter and nine months ended December 31, 2025.

Management Participation

The conference call will feature key members of SBFC Finance's senior management team who will present the quarterly results and address investor queries.

Participating Executives:

• Mr. Aseem Dhru – Managing Director and Chief Executive Officer
• Mr. Mahesh Dayani – Executive Director
• Mr. Narayan Barasia – Chief Finance Officer
• Mr. Sanket Agrawal – Chief Strategy Officer
• Mr. Rajiv Thakker – Chief Risk Officer

Access Information

ICICI Securities is hosting the conference call and has provided multiple access options for participants. Investors and analysts can join through domestic access numbers or international toll-free lines.

Participants also have the option to register through a Diamond Pass registration system for enhanced access to the conference call.

Coordination and Support

ICICI Securities has designated multiple coordinators to assist participants with the conference call. Mr. Jaideep Goswami, Head of Equities, serves as the primary call coordinator, while additional support is available through Mr. Renish Bhuvani and Mr. Chintan Shah. For clarifications, participants can contact Mr. Rushad Kapadia, Ms. Seema Sehgal, or Ms. Minali Ginwala.

For investor relations queries, SBFC Finance has designated Mr. Sanket Agrawal, Chief Strategy Officer and IR, as the primary contact. The company's registered office is located at Unit No. 103, 1st Floor, C&B Square, Sangam Complex, Andheri Kurla Road, Village Chakala, Andheri (East) Mumbai.