NSE · Financial Services · Credit Services
EPS came in at 7.76 against a street estimate of 7.90 — a miss of 1.8%.
with an average price target of ₹1,147.69.
CONFIDENT Q1 FY'27 exceeded expectations across metrics: 28% profit growth, ROE 20.4%, record ₹37k cr AUM addition. Gold loan surged 112%. Management deferred guidance revision pending Q2 results but signaled structural credit improvement and accelerating AI-driven efficiency gains. Q1 FY'27 No regional breakdowns provided in call. Analysts pressed on guidance upside (Abhijit, Kunal) but management deferred—citing caution on macro (geopolitics, monsoon) and one-quarter risk. Shreya/Avinash dug into OpEx sustainability (token costs, open-source models) and structural credit improvement; management confirmed cost discipline (1/3 human labor, RAG infrastructure, flash-mini models). Piran/Abhishek questioned cannibalization risks (gold vs. PL, smartphone trends) and leverage; management reframed as funnel expansion and deeper penetration via AI/digital. 2026-07-30…
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