| Management target | Net Profit 50.0% FY27 |
|---|
| Revenue growth | Total income grew 33% YoY to ₹1,767 Cr. |
|---|---|
| Margins | NIM steady at 6.5%; cost of borrowing declining despite rate hikes. |
| Demand visibility | Robust consumption and capital expenditure supporting Indian financial sector resilience. |
| Management confidence | High, supported by successful capital raise and asset quality stability. |
Growth
Growth AUM up 30% YoY; retail AUM grew 30% led by mortgage and unsecured segments.
Outlook
Management targets doubling AUM every three years, aiming for ₹1.5 lakh crore by FY28.
Risks
Rising global interest rates and potential IRDAI insurance commission caps threaten FY28 margins.
Last quarter's promises, checked
Delivered
- Guided 2x AUM in 3 yrs → Growth AUM up 32% YoY (= BEAT)
- Guided RoAUM >3% (long range) → Growth RoAUM 1.9% vs 1.5% prev (= BEAT)
- Guided 25bps Opex/AUM reduction → Delivered 66bps YoY reduction (= BEAT)
Partly delivered
- Guided stable risk → Retail 90+ DPD up to 0.7% from 0.6% prev (= PARTIAL)
Earnings Call Transcript filed with BSE, NSE: PIRAMALFIN. Summary written with AI assistance from the document.
Piramal Finance Ltd: key numbers
- Share price
- ₹1,797.00
- Market cap
- ₹42,522 Cr
- Revenue (annual)
- ₹11,852 Cr
- Net profit (annual)
- ₹1,504 Cr
- P/E (TTM)
- 22.4×Sector 19.7×
- Promoter holding
- 44.22%-1.94% QoQ
- FII holding
- 15.61%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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