We hold this company’s filings and have not read the financial statements out of them yet. Every filing on record is listed under filings, and each one opens.
Earnings calls
3 transcript(s)/analyst meet(s) served; 0 document(s) on file are not transcripts (cover letters, duplicates, unresolved) and are excluded. Speaker attribution is shown only where the segmenter attributes ≥ 95% of sentences to management or analysts (0 of 3 documents here); elsewhere sentences render unattributed.
Kind
Date
Period
Served
Attribution rate
TRANSCRIPT
20260202
2025-12-31
yes
TRANSCRIPT
20260430
2026-03-31
yes
TRANSCRIPT
20260722
2026-06-30
yes
PIRAMALFIN
files the standard Schedule III statements. Every figure below opens to the filing it was read from; where a figure is not shown, the reason is printed in its place.
Identity
Statement division
general
Scope served
consolidated
Panels on this page
4
Market
No split, bonus or consolidation is on record for this company inside the period this price series covers, so the closes need no adjustment.
Last close
2,104.30
52-week range
not reported for this period
Return 1M
-3.53%
Return 3M
-1.25%
Return 1Y
not reported for this period
Return 3Y
not reported for this period
Return 5Y
not reported for this period
Market capitalisation
not shown — we could not confirm it
Shares outstanding
not shown — we could not confirm it
P/E
not shown — we could not confirm it
P/B
not shown — we could not confirm it
EV/EBITDA
not shown — we could not confirm it
Latest quarter filed — period ending 2026-06-30
In INR crore except per-share figures. `period_id` is the period the filing names for the number; the date beside each cell is when it was filed.
Revenue from operations
3,368.00
Other income
61.00
Total income
3,430.00
Cost of materials consumed
0.00
Purchases of stock-in-trade
0.00
Changes in inventories
0.00
Employee benefit expense
504.00
Finance costs
1,734.00
Ownership — 2026-06-30, and the change from 2026-03-31
Holder
Per cent
Change
promoter and promoter group
0.46
0.00
institutions foreign
0.15
0.01
institutions domestic
0.19
-0.00
mutual funds
0.13
0.01
public
0.54
0.00
Documents on file
Class
Most recent
On file
TRANSCRIPT
2026-06-30
3
Financial statements
Filed results, consolidated, in INR crore except per-share figures. Every figure opens to the filing it was read from. Quarterly and annual columns are the periods the filing itself names, never a document date.
Quarterly results, as filed
Line
2025-12-31
2026-03-31
2026-06-30
Revenue from operations
2,918.00
3,424.00
3,368.00
Other income
57.00
42.00
61.00
Total income
2,975.00
3,466.00
3,430.00
Cost of materials consumed
0.00
0.00
0.00
Purchases of stock-in-trade
0.00
0.00
0.00
Changes in inventories
0.00
0.00
0.00
Employee benefit expense
477.00
430.00
504.00
Finance costs
1,646.00
1,674.00
1,734.00
Depreciation and amortisation
57.00
645.00
56.00
Other expenses
287.00
377.00
329.00
Total expenses
2,686.00
4,296.00
3,085.00
Profit before exceptional items and tax
289.00
-830.00
344.00
Exceptional items
0.00
1,326.00
0.00
Profit before tax
289.00
496.00
344.00
Current tax
-72.00
-1.00
-4.00
Deferred tax
-2.00
4.00
-14.00
Tax expense
-73.00
3.00
-18.00
Profit for the period
401.00
502.00
461.00
Profit attributable to owners
400.00
501.00
459.00
Profit attributable to non-controlling interests
1.00
1.00
2.00
Other comprehensive income
-3.00
-214.00
200.00
Total comprehensive income
398.00
287.00
661.00
Earnings per share, basic
17.69
22.14
20.38
Earnings per share, diluted
17.50
22.01
20.27
Interest earned
2,730.00
2,914.00
3,085.00
Fees and commission income
124.00
75.00
127.00
Net gain on fair value changes
0.00
0.00
0.00
Dividend income
12.00
16.00
18.00
Rental income
32.00
34.00
36.00
Annual results, as filed
Line
2026-03-31
Revenue from operations
11,852.00
Other income
179.00
Total income
12,032.00
Cost of materials consumed
0.00
Purchases of stock-in-trade
0.00
Changes in inventories
0.00
Employee benefit expense
1,811.00
Finance costs
6,379.00
Depreciation and amortisation
903.00
Other expenses
1,269.00
Total expenses
12,083.00
Profit before exceptional items and tax
-51.00
Exceptional items
1,245.00
Profit before tax
1,194.00
Current tax
-95.00
Deferred tax
-28.00
Tax expense
-123.00
Profit for the period
1,506.00
Profit attributable to owners
1,504.00
Profit attributable to non-controlling interests
2.00
Other comprehensive income
-277.00
Total comprehensive income
1,229.00
Earnings per share, basic
66.49
Earnings per share, diluted
66.11
Interest earned
10,623.00
Fees and commission income
434.00
Net gain on fair value changes
0.00
Dividend income
53.00
Rental income
133.00
Balance sheet, as filed
Line
2026-03-31
Total assets
110,546.00
Property, plant and equipment
169.00
Capital work-in-progress
0.00
Goodwill
2.00
Other intangible assets
349.00
Inventories
0.00
Cash and cash equivalents
4,123.00
Total equity and liabilities
110,546.00
Equity
28,191.00
Equity share capital
45.00
Other equity
28,103.00
Total liabilities
82,355.00
Cash flow, as filed
Line
2026-03-31
Net cash from operating activities
-15,892.00
Net cash from investing activities
2,631.00
Net cash from financing activities
12,393.00
Purchase of property, plant and equipment
116.00
Net increase in cash
-869.00
con:CFO.BEFORE_TAX
-10,347.00
con:INTEREST_RECEIVED.OPERATING
0.00
con:INTEREST_PAID.OPERATING
5,758.00
con:DIVIDENDS_RECEIVED.OPERATING
0.00
con:TAX_PAID.OPERATING
-213.00
con:CF_OTHER.OPERATING
0.00
con:INVESTMENTS_PURCHASED
582,555.00
con:INVESTMENTS_SOLD
583,772.00
con:PPE_DISPOSALS
59.00
con:CF_INVESTING.SUBSIDIARIES_SOLD
0.00
con:CF_INVESTING.SUBSIDIARIES_ACQUIRED
0.00
con:CF_INVESTING.JV_SOLD
0.00
con:CF_INVESTING.JV_ACQUIRED
-95.00
Who owns it
The shareholding pattern filed with the exchange every quarter, as a series. Percentages are of total shares. Each figure names the filing it was read from and the date it was filed.
Holder
2025-09-25
2025-12-31
2026-03-31
2026-06-30
Promoter and promoter group
0.46
0.46
0.46
0.46
Domestic institutions
0.14
0.16
0.19
0.19
Mutual funds
0.07
0.09
0.12
0.13
Insurance companies
0.05
0.05
0.05
0.04
Foreign institutions
0.15
0.16
0.15
0.15
Government
0.00
0.00
0.00
0.00
Public
0.53
0.53
0.54
0.54
Non-institutional
0.24
0.22
0.20
0.20
Shares outstanding
226677700
226677700
226677700
226677700
What management said
Every earnings call we hold for this company, read in full. Prepared remarks are separated from the question-and-answer session and every paragraph names who said it and on which page. These are management’s own words, not filed figures.
What's the timeframe to set up the 100 new branches and additional Capex that you guys expect to spend?
—
Capital allocation
And secondly, the capital raise that you're planning to do, you very well explained that, but is there a possibility that we could look for some kind …
And of course, all acquisition costs belong to the originating partner as well.
Our profitability continues to improve and we also have investments that can potentially be divested to unlock capital.
Costs
Has that panned out for your book in this quarter or maybe if you plan to do it in the coming quarters given that the cost of fund is something which …
—
—
Debt and cash
And the third is operating cash flows just being stronger than our underwriting case.
—
—
Demand
What is true, though, is that organically the demand levels are low in small ticket housing.
However, demand in retail remains very strong and you should expect healthy growth in retail disbursements in Q4, in line with the growth trajectory t…
—
Guidance
—
This transaction is expected to conclude in Q4. We expect further monetization of our other investments in the coming quarters.
So, are we expecting FY27 credit cost to remain benign because of probably, for whatever reasons, or do you think that it's the margin and the cost le…
Margin
So that has already happened and we have taken kind of appropriate measures internally to slightly add to the level of caution that we have on this se…
Led by expanding consolidated margins, stable risk and improving operating leverage, our 9-month FY '26 consol PAT now stands at above INR 1,000 crore…
Just as we have done in the past, we remain committed to maintain a comfortable margin of safety over regulatory capital requirement.
Pricing
—
This year we have also kept pricing on all retail products quite firm in the 3rd Quarter versus the second quarter, as you will notice in product leve…
You know, we'd rather find something which even if it's a little imperfect, but it is at a value pricing, we'd prefer that kind of a story.
Revenue growth
Operating expenses growth was contained at 10% year-on-year.
We ended the 3rd Quarter with a retail AUM growth of 34% year-on-year.
Full year FY26 net profit was INR1,506 crores versus INR485 crores in FY25. Proforma PBT for Growth business stood at INR495 crores in Q4 FY26, implyi…