Non Banking Financial Company (NBFC) industry

311 companies · ₹20.0 L cr · 32 with AI deep dives · Q1FY27 report

Broadest NBFC AUM acceleration in eight quarters, but rising CoF, gold-loan rules and monsoon test margins.

Acceleratingrevenue growth quickened to 21.2% YoY from 13.6% a year earlier
Revenue YoY
+21.2%
Panel
45 cos
Price, 1 year
+3.2%
54% of names up
P/E vs own 5y
+16.4%
20.6x now

Exhibit 1The quarter in numbers

constant panel of 45 companies above ₹500 cr
aggregate revenue (₹ cr)
Revenue
Jun 26
92,738 cr
Mar 26
87,031 cr
QoQ
+6.6%
Jun 25
76,524 cr
YoY
+21.2%
Peak
92,738 cr
vs peak
0.0%

Breadth: 85% of 48 companies grew revenue year on year (was 74% a quarter earlier).

Exhibit 2What it costs

11.15x - 28.14x across the panel today

The median name trades at 20.6x, +16.4% against this industry's own 5-year median of 17.7x, and -10.8% against its own peak of 23.1x.

Exhibit 3Structure

₹20.0 L cr

Bajaj Finance Ltd is 32.9% of this industry by market cap. The top 5 are 66.5% and the top 10 are 81.3%.

large 10mid 9small 22micro 26653 above ₹500 cr

Exhibit 5Coverage (25 of 312)

Every company here with a deep dive, topped up by market cap. The rest of the industry is in the appendix.

Mcap
₹6.4 L cr
P/E
32.1x
P/B
5.7x
NIM
-
Gross NPA
-
Rev YoY
+18.7%
Mcap
₹2.4 L cr
P/E
18.4x
P/B
3.0x
NIM
-
Gross NPA
-
Rev YoY
+16.2%
Mcap
₹1.6 L cr
P/E
27.3x
P/B
5.2x
NIM
-
Gross NPA
-
Rev YoY
+21.9%
Mcap
₹1.5 L cr
P/E
28.5x
P/B
3.4x
NIM
-
Gross NPA
-
Rev YoY
-
Mcap
₹1.1 L cr
P/E
10.0x
P/B
2.9x
NIM
-
Gross NPA
-
Rev YoY
+34.4%
Mcap
₹77,545 cr
P/E
24.5x
P/B
2.8x
NIM
-
Gross NPA
-
Rev YoY
+23.1%
Mcap
₹62,431 cr
P/E
27.9x
P/B
4.0x
NIM
-
Gross NPA
-
Rev YoY
+3.4%
Mcap
₹55,556 cr
P/E
20.4x
P/B
2.7x
NIM
-
Gross NPA
-
Rev YoY
+10.6%
Mcap
₹52,158 cr
P/E
23.6x
P/B
3.5x
NIM
-
Gross NPA
-
Rev YoY
+12.6%
Mcap
₹51,005 cr
P/E
30.7x
P/B
1.8x
NIM
-
Gross NPA
-
Rev YoY
-
Mcap
₹49,608 cr
P/E
15.4x
P/B
1.9x
NIM
-
Gross NPA
-
Rev YoY
+14.6%
Mcap
₹46,423 cr
P/E
20.8x
P/B
3.0x
NIM
-
Gross NPA
-
Rev YoY
+20.9%
Mcap
₹39,270 cr
P/E
47.8x
P/B
3.5x
NIM
-
Gross NPA
-
Rev YoY
+77.8%
Mcap
₹30,904 cr
P/E
20.7x
P/B
1.9x
NIM
-
Gross NPA
-
Rev YoY
+34.1%
Mcap
₹25,584 cr
P/E
23.4x
P/B
3.7x
NIM
-
Gross NPA
-
Rev YoY
+57.1%
Mcap
₹25,562 cr
P/E
12.3x
P/B
1.9x
NIM
-
Gross NPA
-
Rev YoY
+32.7%
Mcap
₹16,257 cr
P/E
14.1x
P/B
2.1x
NIM
-
Gross NPA
-
Rev YoY
+5.4%
Mcap
₹10,889 cr
P/E
27.8x
P/B
3.0x
NIM
-
Gross NPA
-
Rev YoY
+26.5%
Mcap
₹7,660 cr
P/E
30.1x
P/B
4.2x
NIM
-
Gross NPA
-
Rev YoY
+19.0%
Mcap
₹5,939 cr
P/E
15.5x
P/B
2.0x
NIM
-
Gross NPA
-
Rev YoY
+28.9%
Mcap
₹5,360 cr
P/E
13.6x
P/B
1.8x
NIM
-
Gross NPA
-
Rev YoY
+20.7%
Mcap
₹4,949 cr
P/E
11.3x
P/B
1.3x
NIM
-
Gross NPA
-
Rev YoY
+28.8%
Mcap
₹4,413 cr
P/E
22.7x
P/B
1.7x
NIM
-
Gross NPA
-
Rev YoY
-
Mcap
₹4,375 cr
P/E
26.4x
P/B
3.0x
NIM
-
Gross NPA
-
Rev YoY
+101.4%
Mcap
₹3,929 cr
P/E
-
P/B
1.1x
NIM
-
Gross NPA
-
Rev YoY
+5.9%

Exhibit 6What managements said

from this industry's latest earnings calls · as of 2026-06-30
tailwindBroad-based AUM acceleration - 85% of covered companies growing faster than a year ago15 managements

Growth breadth improved to 85.1% of the panel from 73.9% a year earlier, spanning segments: Bajaj Finance +24%, Chola +23%, Tata Capital +22%, LTF +27%, IIFL +38%, Fedfina +35%…

  • BAJFINANCE (Q1FY27): “AUM, we added a record INR37,000 crores of AUM in a quarter. Profit growth was strong at…
6 more themes from this quarter's earnings calls are locked. A free account opens 3 full reports a quarter: every theme with verbatim management quotes, the demand picture, companies running against the tide, and the regulatory & disruption watch. Sign up free →

Exhibit 7Outlook

The outlook and what resolves next quarter

Where these managements said things are heading, and the dated, checkable events that would change it. Free with an account - 3 full reports a quarter.

Create a free account

AppendixThe other 287 companies

1-30
sort: mcap · composite · name
Mcap
₹25,683 cr
P/E
44.1x
P/B
0.9x
NIM
-
Gross NPA
-
Rev YoY
+24.5%
Mcap
₹7,161 cr
P/E
9.4x
P/B
0.7x
NIM
-
Gross NPA
-
Rev YoY
+10.5%
Mcap
₹7,098 cr
P/E
-
P/B
100.2x
NIM
-
Gross NPA
-
Rev YoY
-
Mcap
₹6,714 cr
P/E
8.8x
P/B
2.0x
NIM
-
Gross NPA
-
Rev YoY
+37.7%
Mcap
₹4,646 cr
P/E
59.4x
P/B
5.4x
NIM
-
Gross NPA
-
Rev YoY
+283.9%
Mcap
₹3,097 cr
P/E
47.5x
P/B
1.6x
NIM
-
Gross NPA
-
Rev YoY
+141.4%
Mcap
₹2,665 cr
P/E
67.5x
P/B
4.7x
NIM
-
Gross NPA
-
Rev YoY
+57.1%
Mcap
₹2,124 cr
P/E
18.6x
P/B
2.3x
NIM
-
Gross NPA
-
Rev YoY
+33.6%
Mcap
₹1,868 cr
P/E
84.5x
P/B
1.5x
NIM
-
Gross NPA
-
Rev YoY
0.0%
Mcap
₹1,757 cr
P/E
8.0x
P/B
0.6x
NIM
-
Gross NPA
-
Rev YoY
-27.2%
Mcap
₹1,520 cr
P/E
8.9x
P/B
1.1x
NIM
-
Gross NPA
-
Rev YoY
+9.9%
Mcap
₹1,310 cr
P/E
7.8x
P/B
0.5x
NIM
-
Gross NPA
-
Rev YoY
-
Mcap
₹1,195 cr
P/E
9.7x
P/B
1.2x
NIM
-
Gross NPA
-
Rev YoY
+140.2%
Mcap
₹1,135 cr
P/E
9.8x
P/B
1.1x
NIM
-
Gross NPA
-
Rev YoY
+3.9%
Mcap
₹1,040 cr
P/E
39.2x
P/B
4.9x
NIM
-
Gross NPA
-
Rev YoY
+88.3%
Mcap
₹1,000 cr
P/E
29.8x
P/B
0.8x
NIM
-
Gross NPA
-
Rev YoY
-52.1%
Mcap
₹976 cr
P/E
11.4x
P/B
1.4x
NIM
-
Gross NPA
-
Rev YoY
-11.0%
Mcap
₹796 cr
P/E
20.4x
P/B
1.2x
NIM
-
Gross NPA
-
Rev YoY
-8.7%
Mcap
₹731 cr
P/E
26.6x
P/B
4.9x
NIM
-
Gross NPA
-
Rev YoY
-30.8%
Mcap
₹729 cr
P/E
37.3x
P/B
5.3x
NIM
-
Gross NPA
-
Rev YoY
+53.7%
Mcap
₹726 cr
P/E
55.6x
P/B
5.1x
NIM
-
Gross NPA
-
Rev YoY
-46.2%
Mcap
₹678 cr
P/E
11.9x
P/B
1.4x
NIM
-
Gross NPA
-
Rev YoY
+34.2%
Mcap
₹668 cr
P/E
13.7x
P/B
1.6x
NIM
-
Gross NPA
-
Rev YoY
+38.2%
Mcap
₹610 cr
P/E
6.1x
P/B
0.2x
NIM
-
Gross NPA
-
Rev YoY
+39.8%
Mcap
₹609 cr
P/E
-
P/B
1.9x
NIM
-
Gross NPA
-
Rev YoY
-19.8%
Mcap
₹597 cr
P/E
47.6x
P/B
-
NIM
-
Gross NPA
-
Rev YoY
+416.7%
Mcap
₹552 cr
P/E
82.2x
P/B
0.2x
NIM
-
Gross NPA
-
Rev YoY
+21.3%
Mcap
₹500 cr
P/E
6.3x
P/B
0.9x
NIM
-
Gross NPA
-
Rev YoY
+17.7%
Mcap
₹465 cr
P/E
-
P/B
-
NIM
-
Gross NPA
-
Rev YoY
+53.1%
Mcap
₹456 cr
P/E
5.2x
P/B
2.8x
NIM
-
Gross NPA
-
Rev YoY
+117.1%

257 more companies

This industry has 287 constituents beyond the covered names. The first page is free; premium opens the rest.

See plans