| Revenue growth | Net Interest Income grew 38.7% YoY. |
|---|---|
| Margins | Spreads rangebound at 8.6% for Q1 FY27. |
| Demand visibility | High demand in MSME and Gold Loan segments. |
| Management confidence | Strong; emphasizing a 'twin-engine' business profile. |
Growth
AUM grew 34.7% YoY; Gold Loan AUM surged 76.7% YoY; PAT grew 52.5% YoY.
Outlook
Focus on MSME lending, retail installments, and expanding footprint across 17 states with 757 branches.
Risks
Business loan GNPA remains elevated at 25.2%; tightening RBI gold loan framework and co-lending regulations.
Last quarter's promises, checked
Delivered
- Credit cost < 1% → delivered 0.9% (= BEAT)
- Unsecured book reduction → delivered 0.6% of on-book (= BEAT)
- Gold branch expansion → delivered 113 new branches YTD (= BEAT)
Partly delivered
- ST LAP rebuilding → Disbursed ₹208 Cr but GNPA rose to 2.1% (= PARTIAL)
Missed
- AUM growth ex-BL 32% YoY → delivered total AUM 17% YoY (= MISS)
Earnings Call filed with BSE, NSE: FEDFINA. Summary written with AI assistance from the document.
Fedbank Financial Services Ltd: key numbers
- Share price
- ₹148.70
- Market cap
- ₹5,578 Cr
- Revenue (annual)
- ₹2,224 Cr
- Net profit (annual)
- ₹343.6 Cr
- P/E (TTM)
- 14.6×Sector 21.9×
- Promoter holding
- 60.67%-0.12% QoQ
- FII holding
- 9.30%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Fedbank Financial Services Ltd
All →Fedbank Financial Services Employee Stock Options
Fedbank allotted 42,250 equity shares upon exercise of vested stock options under ESOS 2018 and 2024. Paid-up capital rose to ₹375.14 Crore from ₹375.10 Crore.
Fedbank Financial Services Annual Report
Fedbank Financial Services Limited has submitted its Annual Report for the Financial Year 2025-26, including the notice for its 31st Annual General Meeting.
Fedbank Financial Services Annual General Meeting
Fedbank Financial Services Ltd issued the notice for its 31st Annual General Meeting to be held on September 29, 2026, and submitted its Annual Report.
Fedbank Financial Services Employee Stock Options
Fedbank Financial Services allotted 82,977 equity shares to employees following the exercise of vested stock options under its ESOS 2018 and ESOS 2024 schemes.
Fedbank Financial Services Debt & Borrowing: ₹2,500 Cr
Fedbank Financial Services Limited has approved the issuance of debt securities worth ₹2,500 Crore. The company will raise funds through the issuance of these debt instruments.
- Value
- ₹2,500 Cr
Fedbank Financial Services Other Announcement
Fedbank Financial Services has appointed V. Sankar Aiyar & Co. as Joint Statutory Auditors for three years, subject to shareholder approval.