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SBFC Finance Limited SBFC NIFTY_SMALLNSEFINANCIAL

Financial Services · Credit Services · India
https://www.sbfc.com

SBFC Finance Limited, a non-banking financial company, engages in fund-based financing activity in India. It offers secured loans for micro, small, and medium enterprises (MSME); loans against gold; unsecured personal loans and unsecured business loans; and loan management services to small business owners, self-employed individuals, salaried and working-class individuals, entrepreneurs, and other individual customers, as well as micro, small, and medium enterprises. The company also operates as a corporate agent of insurance products. It serves entrepreneurs, small business owners, self-employed individuals, salaried and working-class individuals, and other individual customers. The company was incorporated in 2008 and is headquartered in Mumbai, India. SBFC Finance Limited operates as a subsidiary of SBFC Holdings Pte. Ltd.

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₹94.30
-14.95% 1Y

Market & Price

Market Cap
₹10,429.31 Cr
Current Price
₹94.30
High / Low (52W)
₹119.02 / ₹80.95
Beta
0.62

Valuation

Stock P/E
23.00
Industry PE
19.12
Forward P/E
18.90
PEG Ratio
-
Book Value
₹31.47
Price to Book
3.00
P/S
10.26
EV/EBITDA
-
Dividend Yield
-

Profitability & Returns

ROCE
6.46%
ROE
13.04%
ROA
4.58%
Profit Margin
44.35%
Op Margin
60.86%
EPS (Latest Qtr)
₹1.11
EPS (TTM)
₹4.10

Balance Sheet & Liquidity

Debt/Equity
1.92
Quick Ratio
544.53
Current Ratio
544.53
Debt
₹7,161.71 Cr
Total Assets
₹11,085.40 Cr
Current Assets
₹10,470.52 Cr
Working Capital
₹10,456.24 Cr

Ownership

Promoter Holding
61.71%
Chg in Prom Hold
-
FII / Inst Holding
26.74%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹16,773.40 Cr
Total Revenue (TTM)
₹1,016.64 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-1,892.70 Cr
Shares Outstanding
₹110.60 Cr
Gross Margin
100.00%
Payout Ratio
0.00%

Growth (CAGR)

Revenue 5Y
37.65%
Profit 5Y
44.40%
Revenue (YoY)
24.40%
Earnings (YoY)
29.00%

PROS

  • Excellent profit margin of 44.3%.
  • Compounding revenue at 37.6% over 5 years.
  • Profit CAGR of 44.4% over 5 years.

CONS

  • In a downtrend (50-DMA below 200-DMA).

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

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

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 SBFC SBFC Finance Limited NIFTY_SMALLNSEFINANCIAL 94.30 23.00 ₹10,429.31 Cr - 6.46% 13.04% 37.65% 44.40%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 744.55 16.61 ₹11.46 L Cr 1.75% - 13.82% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,256.40 16.81 ₹9.01 L Cr 0.88% - 16.36% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 964.40 10.58 ₹8.90 L Cr 1.80% - 15.48% 12.19% 14.39%
5 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 384.20 19.80 ₹3.82 L Cr 0.13% - 11.39% 14.58% 8.92%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 411.35 9.06 ₹2.60 L Cr 2.43% - 42.36% 7.61% 16.86%
7 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 947.15 17.79 ₹2.23 L Cr 1.46% - 16.38% 15.48% 18.59%
8 SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL 1,830.10 74.06 ₹1.84 L Cr 0.15% - 13.70% 11.67% 12.81%
9 ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL 3,538.50 53.19 ₹1.75 L Cr 0.70% 98.30% 85.80% 28.94% 29.58%
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Quarterly Results

Figures in INR.

Metric Sep 2024Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026
Revenue -321.96 Cr352.19 Cr379.72 Cr425.40 Cr449.93 Cr
Cost of Revenue -170.44 Cr186.25 Cr195.38 Cr203.74 Cr223.64 Cr
Gross Profit -151.52 Cr165.94 Cr184.34 Cr221.66 Cr226.30 Cr
Operating Expenses -18.30 Cr26.95 Cr31.26 Cr30.21 Cr27.56 Cr
Operating Income -133.22 Cr138.99 Cr153.08 Cr191.45 Cr198.74 Cr
EBITDA -137.87 Cr143.55 Cr158.12 Cr196.44 Cr203.74 Cr
Interest Expense ------
Pretax Income -117.47 Cr125.80 Cr135.71 Cr157.87 Cr164.13 Cr
Tax Provision -29.39 Cr31.40 Cr34.82 Cr39.83 Cr41.36 Cr
Net Income -88.08 Cr94.39 Cr100.89 Cr118.04 Cr122.77 Cr
Diluted EPS -0.800.860.911.061.11

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -636.54 Cr936.97 Cr1,266.26 Cr1,660.11 Cr
Cost of Revenue -412.52 Cr524.28 Cr672.48 Cr823.48 Cr
Gross Profit -224.02 Cr412.69 Cr593.78 Cr836.63 Cr
Operating Expenses -64.38 Cr110.98 Cr80.24 Cr121.31 Cr
Operating Income -159.64 Cr301.71 Cr513.55 Cr715.32 Cr
EBITDA -219.00 Cr336.90 Cr530.36 Cr735.43 Cr
Interest Expense 16.52 Cr4.92 Cr7.35 Cr69.90 Cr-
Pretax Income -201.37 Cr316.14 Cr458.52 Cr603.59 Cr
Tax Provision -51.63 Cr79.03 Cr113.35 Cr152.76 Cr
Net Income -149.74 Cr237.10 Cr345.17 Cr450.83 Cr
Diluted EPS -1.412.303.154.10

Compounded Sales Growth

5 Years:37.65%
1 Year:24.40%

Compounded Profit Growth

5 Years:44.40%
1 Year:29.00%

Stock Price Performance

1 Year:-14.95%
6 Months:-12.15%
3 Months:-2.65%
1 Month:+2.16%

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -5,746.44 Cr7,062.78 Cr8,595.76 Cr11,085.40 Cr
Current Assets -1,518.62 Cr2,851.70 Cr3,237.55 Cr10,470.52 Cr
Cash & Equivalents -183.81 Cr225.21 Cr265.40 Cr481.04 Cr
Inventory -----
Receivables -8.54 Cr3.87 Cr5.04 Cr20.29 Cr
Total Liabilities -4,019.17 Cr4,284.72 Cr5,405.68 Cr7,360.25 Cr
Current Liabilities -1,389.55 Cr1,695.76 Cr1,847.98 Cr14.28 Cr
Long Term Debt -2,611.46 Cr2,571.47 Cr3,541.51 Cr7,161.71 Cr
Total Debt -3,739.06 Cr3,996.02 Cr5,264.32 Cr7,161.71 Cr
Total Equity -1,727.27 Cr2,778.07 Cr3,190.07 Cr3,725.15 Cr
Shares Outstanding -105.95 Cr107.38 Cr108.60 Cr110.64 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow --1,244.59 Cr-1,155.17 Cr-1,415.26 Cr-1,892.70 Cr
Investing Cash Flow -205.92 Cr159.37 Cr175.62 Cr130.99 Cr
Financing Cash Flow -1,071.01 Cr1,037.20 Cr1,280.85 Cr1,977.35 Cr
Capital Expenditure --8.54 Cr-11.89 Cr-11.72 Cr-14.69 Cr
Free Cash Flow --1,253.13 Cr-1,167.06 Cr-1,426.98 Cr-1,907.38 Cr
Net Change in Cash -32.33 Cr41.40 Cr41.21 Cr215.64 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -35.2%44.0%46.9%50.4%
Operating Margin % -25.1%32.2%40.6%43.1%
Net Margin % -23.5%25.3%27.3%27.2%
ROE % -8.7%8.5%10.8%12.1%
ROCE % -3.7%5.6%7.6%6.5%

Shareholding Pattern

Insiders
61.71%
Institutions
26.74%
Public Float
69.83%

Analyst View

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