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Shalibhadra Finance Limited SAHLIBHFI NSEFINANCIAL

Financial Services · Credit Services · India
https://www.shalibhadrafinance.com
Company Profile ↓
₹74.88
-10.60% 1Y
Mkt Cap₹231.29 Cr
P/E11.68
P/B1.39
Div. Yield0.66%
52W High₹88.94
52W Low₹69.55
Book Value₹55.65
EPS (TTM)₹6.41

Company Overview

Shalibhadra Finance Limited operates as an asset finance company in India. The company offers new and used two-wheeler, used three/four-wheeler, auto rickshaw, cars, property, and consumer durable loans. It sells its products through its branches. The company serves the salaried class, agriculturists, and self-employed customers in the rural, semi-urban, and other under banked areas of Gujarat, Maharashtra, Madhya Pradesh, and Rajasthan. Shalibhadra Finance Limited was incorporated in 1992 and is based in Mumbai, India.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 32.5% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 14.4% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 11.7, below the sector median of 15.2.

Healthy Margins

Maintains a net profit margin of 54.2%.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.33.

Recent Developments

  • Mar 2026 Revenue of ₹41.05 Cr (+17.1% YoY); net profit ₹19.48 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +7.7%, earnings +7.4%.
  • 5-Year Trend Long-term compounding — revenue CAGR 14.4%, profit CAGR 32.5%.

Growth & Price Performance

Compounded Sales Growth

5 Years:14.43%
1 Year:7.70%

Compounded Profit Growth

5 Years:32.46%
1 Year:7.40%

Stock Price Performance

1 Year:-10.60%
6 Months:-6.90%
3 Months:-2.23%
1 Month:-1.56%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot
52-Week Range 27% of range
₹69.55 ₹88.94
Trend Signals
  • Price vs 50-DMABelow
  • RSI (14)43.35 · Neutral
Price Performance
1M-1.56%
3M-2.23%
6M-6.90%
1Y-10.60%
Valuation vs Sector

P/E of 11.68 is below the sector median of 15.25 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 54.2%.
  • Compounding revenue at 14.4% over 5 years.
  • Profit CAGR of 32.5% over 5 years.

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
11.68
Industry PE
15.25
Forward P/E est.
10.88
PEG Ratio
-
Book Value
₹55.65
Price to Book
1.39
P/S
6.51
EV/EBITDA
11.71
Dividend Yield
0.66%

Growth (CAGR)

Revenue 5Y
14.43%
Profit 5Y
32.46%
Revenue (YoY)
7.70%
Earnings (YoY)
7.40%

Profitability & Returns

ROCE
11.18%
ROE
11.33%
ROA
8.39%
Profit Margin
54.15%
Op Margin
70.21%
Gross Margin
85.16%
EPS (Latest Qtr)
₹1.66
EPS (TTM)
₹6.41

Balance Sheet & Liquidity

Debt/Equity
0.33
Quick Ratio
37.67
Current Ratio
60.30
Debt
₹56.09 Cr
Total Assets
₹232.23 Cr
Current Assets
₹224.32 Cr
Working Capital
₹220.60 Cr

Ownership

Promoter Holding
71.51%
Chg in Prom Hold
0.61%
FII / Inst Holding
0.00%
Chg in FII Hold
-2.23%

Financial Snapshot

Enterprise Value
₹231.29 Cr
Total Revenue (TTM)
₹36.60 Cr
EBITDA
₹25.67 Cr
Free Cash Flow
₹-20.83 Cr
Operating Cash Flow
₹-19.75 Cr
Shares Outstanding
₹3.09 Cr
Gross Margin
85.16%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 SAHLIBHFI Shalibhadra Finance Limited NSEFINANCIAL 74.88 11.68 ₹231.29 Cr 0.66% 11.18% 11.33% 14.43% 32.46%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 694.05 15.17 ₹10.70 L Cr 1.88% - 13.84% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,398.50 18.08 ₹10.04 L Cr 0.89% - 16.07% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 970.00 10.40 ₹8.95 L Cr 1.82% - 15.18% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 942.10 28.93 ₹5.87 L Cr 0.56% - 16.68% 22.58% 18.23%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 437.00 21.42 ₹4.35 L Cr 0.15% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,212.00 13.63 ₹3.77 L Cr 0.08% - 13.35% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,678.00 26.64 ₹2.69 L Cr 0.07% - 12.58% 22.92% 15.16%
9 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 387.50 8.16 ₹2.45 L Cr 2.59% - 32.53% 7.26% 16.86%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 9.45 Cr9.47 Cr9.49 Cr11.12 Cr10.97 Cr
Cost of Revenue 1.99 Cr2.03 Cr2.04 Cr2.97 Cr2.90 Cr
Gross Profit 7.46 Cr7.44 Cr7.45 Cr8.15 Cr8.07 Cr
Operating Expenses 1.86 Cr1.52 Cr1.35 Cr1.66 Cr1.04 Cr
Operating Income 5.60 Cr5.92 Cr6.10 Cr6.49 Cr7.03 Cr
EBITDA 5.63 Cr5.95 Cr6.13 Cr6.53 Cr7.06 Cr
Interest Expense -----
Pretax Income 5.60 Cr5.92 Cr6.10 Cr6.53 Cr7.04 Cr
Tax Provision 1.16 Cr1.35 Cr1.35 Cr1.50 Cr1.91 Cr
Net Income 4.44 Cr4.57 Cr4.75 Cr5.03 Cr5.13 Cr
Diluted EPS 5.751.481.541.621.66

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -27.40 Cr32.31 Cr35.06 Cr41.05 Cr
Cost of Revenue -5.23 Cr6.27 Cr9.37 Cr9.94 Cr
Gross Profit -22.17 Cr26.04 Cr25.69 Cr31.11 Cr
Operating Expenses -4.23 Cr4.82 Cr5.08 Cr5.57 Cr
Operating Income -17.94 Cr21.22 Cr20.61 Cr25.54 Cr
EBITDA -16.29 Cr20.02 Cr20.70 Cr25.67 Cr
Interest Expense 4.76 Cr4.93 Cr3.85 Cr3.62 Cr-
Pretax Income -11.30 Cr16.10 Cr20.61 Cr25.59 Cr
Tax Provision -2.92 Cr4.13 Cr4.61 Cr6.11 Cr
Net Income -8.38 Cr11.97 Cr16.00 Cr19.48 Cr
Diluted EPS -3.834.4717.296.31

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -136.44 Cr158.22 Cr195.35 Cr232.23 Cr
Current Assets -91.83 Cr108.79 Cr133.05 Cr224.32 Cr
Cash & Equivalents -8.43 L1.04 L26.84 L1.26 Cr
Inventory 74.99 Cr84.17 Cr---
Receivables -17.50 L22.00 L31.00 L51.00 L
Total Liabilities -58.22 Cr61.41 Cr41.10 Cr60.25 Cr
Current Liabilities -13.11 Cr23.80 Cr21.51 Cr3.72 Cr
Long Term Debt -44.82 Cr37.31 Cr19.55 Cr56.09 Cr
Total Debt -55.08 Cr57.92 Cr37.46 Cr56.09 Cr
Total Equity -78.22 Cr96.81 Cr154.25 Cr171.98 Cr
Shares Outstanding -2.51 Cr2.80 Cr3.09 Cr3.09 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow --4.56 Cr2.55 Cr-26.99 Cr-19.75 Cr
Investing Cash Flow --2.02 Cr-2.24 Cr-10.40 Cr4.95 Cr
Financing Cash Flow -10.59 Cr9.47 Cr24.26 Cr17.40 Cr
Capital Expenditure --24.85 L-14.00 L-87.00 L-1.08 Cr
Free Cash Flow --4.81 Cr2.41 Cr-27.86 Cr-20.83 Cr
Net Change in Cash -4.00 Cr9.78 Cr-13.13 Cr2.60 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -80.9%80.6%73.3%75.8%
Operating Margin % -65.5%65.7%58.8%62.2%
Net Margin % -30.6%37.0%45.6%47.5%
ROE % -10.7%12.4%10.4%11.3%
ROCE % -14.5%15.8%11.9%11.2%

Shareholding Pattern

Insiders
71.51%
Institutions
0.00%
Public Float
0.00%

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for SAHLIBHFI

Google News Fri, 10 Apr 2026

SAHLIBHFI Stock Price and Chart — NSE:SAHLIBHFI - TradingView

<a href="https://news.google.com/rss/articles/CBMiX0FVX3lxTFB1ZDJ6U2RpRVhzbmFUc3luWk83MWRVSm5RaUNxLVhsQVpiLU5LLWRPbmVBUFRiMG83Y242R0dYRUtweEwtRF9hUUc0VHJiN1V0cENvZ1hwc25WSEp5LWV3?oc=5" target="_blank">SAHLIBHFI Stock Price and Chart — NSE:S…

Google News Mon, 28 Sep 2026

Shalibhadra Finance Ltd (SAHLIBHFI.NS) Slips Below ₹76 as Small-Cap NBFC Faces Selling Pressure - Technical Analysis Picks - https://www.siam.in/

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Google News Sat, 30 May 2026

Shalibhadra Finance Insiders Added ₹52.1m Of Stock To Their Holdings - Simply Wall Street

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Google News Fri, 08 May 2026

SAHLIBHFI Share Price Today - Shalibhadra Finance Stock Analysis - Equitypandit

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Google News ue, 13 Oct 2026

Shalibhadra Finance (SAHLIBHFI.NS) Slips 2.44% to ₹77.16, Drifting Toward Near-Term Support - Fibonacci Time Zone - https://www.siam.in/

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Google News Sun, 04 Oct 2026

SAHLIBHFI Q2 2026 Earnings: Revenue Climbs 17.32% YoY, EPS at ₹6.31 as Shares Edge Higher - https://www.siam.in/

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SAHLIBHFI — Frequently Asked Questions

What is the current share price of Shalibhadra Finance Limited (SAHLIBHFI)?

As of 2026-10-24 04:55 IST, Shalibhadra Finance Limited (SAHLIBHFI) trades at ₹74.88 on NSE. Its 52-week range is ₹69.55 to ₹88.94.

What is the market capitalisation of SAHLIBHFI?

Shalibhadra Finance Limited (SAHLIBHFI) has a market capitalisation of ₹231.29 Cr on NSE.

What is the P/E ratio of SAHLIBHFI?

SAHLIBHFI trades at a trailing price-to-earnings (P/E) ratio of 11.68. The industry average P/E is 15.25. Its price-to-book (P/B) ratio is 1.39.

Does SAHLIBHFI pay a dividend?

Shalibhadra Finance Limited (SAHLIBHFI) currently offers a dividend yield of 0.66%.

What is the return on equity (ROE) of SAHLIBHFI?

SAHLIBHFI has a return on equity (ROE) of 11.33%. Its return on capital employed (ROCE) is 11.18%.

Is SAHLIBHFI a good stock to buy?

This page provides a data-driven analysis of Shalibhadra Finance Limited (SAHLIBHFI), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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