SBFC Finance Limited SBFC NIFTY_SMALLNSEFINANCIAL
Company Overview
SBFC Finance Limited, a non-banking financial company, engages in the financing business in India. It offers loans to business owners and personal loans. The company was incorporated in 2008 and is headquartered in Mumbai, India. SBFC Finance Limited operates as a subsidiary of SBFC Holdings Pte. Ltd.
Why Investors Should Care
Net profit has compounded at 44.4% per year over the last five years.
Revenue has grown at a 37.0% CAGR over the past five years.
Maintains a net profit margin of 27.5%.
Recent Developments
- Mar 2026 Revenue of ₹1,638.19 Cr (+32.4% YoY); net profit ₹450.83 Cr.
- Trailing 12 Months Year-on-year growth — revenue +32.4%, earnings +30.6%.
- 5-Year Trend Long-term compounding — revenue CAGR 37.0%, profit CAGR 44.4%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 37.04% |
| 1 Year: | 32.40% |
Compounded Profit Growth
| 5 Years: | 44.40% |
| 1 Year: | 30.61% |
Stock Price Performance
| 1 Year: | -19.72% |
| 6 Months: | -6.78% |
| 3 Months: | -5.34% |
| 1 Month: | -0.12% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMABelow
- RSI (14)53.60 · Neutral
P/E of 22.61 is above the sector median of 19.81 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
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 27.5%.
- Compounding revenue at 37.0% 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.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | SBFC SBFC Finance Limited NIFTY_SMALLNSEFINANCIAL | 92.71 | 22.61 | ₹10,257.57 Cr | 0.00% | 8.07% | 12.10% | 37.04% | 44.40% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 815.55 | 16.51 | ₹12.48 L Cr | 1.58% | - | 13.62% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,423.10 | 19.03 | ₹10.19 L Cr | 0.86% | - | 14.93% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 1,031.00 | 11.31 | ₹9.52 L Cr | 1.67% | - | 13.97% | 12.19% | 14.39% |
| 5 | BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL | 1,032.90 | 33.85 | ₹6.43 L Cr | 0.53% | - | 16.68% | 22.58% | 18.23% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 443.80 | 9.77 | ₹5.61 L Cr | 2.26% | - | 32.53% | 7.26% | 16.86% |
| 7 | AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL | 1,340.20 | 15.86 | ₹4.17 L Cr | 0.08% | - | 12.27% | 12.16% | 34.61% |
| 8 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 381.30 | 19.66 | ₹3.79 L Cr | 0.17% | - | 10.64% | 13.48% | 8.92% |
| 9 | BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL | 1,887.10 | 34.31 | ₹3.02 L Cr | 0.07% | - | 12.58% | 22.92% | 15.16% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in INR.
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 230.00 Cr | 246.00 Cr | 264.00 Cr | 279.00 Cr | 298.00 Cr | - | 321.96 Cr | 352.19 Cr | 379.72 Cr | 425.40 Cr | 449.93 Cr |
| Cost of Revenue | - | - | - | - | - | - | 170.44 Cr | 186.25 Cr | 195.38 Cr | 203.74 Cr | 223.64 Cr |
| Gross Profit | - | - | - | - | - | - | 151.52 Cr | 165.94 Cr | 184.34 Cr | 221.66 Cr | 226.30 Cr |
| Operating Expenses | 75.00 Cr | 83.00 Cr | 90.00 Cr | 90.00 Cr | 94.00 Cr | - | 18.30 Cr | 26.95 Cr | 31.26 Cr | 30.21 Cr | 27.56 Cr |
| Operating Income | - | - | - | - | - | - | 133.22 Cr | 138.99 Cr | 153.08 Cr | 191.45 Cr | 198.74 Cr |
| EBITDA | - | - | - | - | - | - | 137.87 Cr | 143.55 Cr | 158.12 Cr | 196.44 Cr | 203.74 Cr |
| Interest Expense | 89.00 Cr | 89.00 Cr | 85.00 Cr | 88.00 Cr | 95.00 Cr | - | - | - | - | - | - |
| Pretax Income | 63.00 Cr | 71.00 Cr | 86.00 Cr | 97.00 Cr | 105.00 Cr | - | 117.47 Cr | 125.80 Cr | 135.71 Cr | 157.87 Cr | 164.13 Cr |
| Tax Provision | 15.75 Cr | 18.46 Cr | 21.50 Cr | 23.28 Cr | 26.25 Cr | - | 29.39 Cr | 31.40 Cr | 34.82 Cr | 39.83 Cr | 41.36 Cr |
| Net Income | 47.00 Cr | 53.00 Cr | 64.00 Cr | 74.00 Cr | 79.00 Cr | - | 88.08 Cr | 94.39 Cr | 100.89 Cr | 118.04 Cr | 122.77 Cr |
| Diluted EPS | 0.51 | 0.49 | 0.60 | 0.69 | 0.73 | - | 0.80 | 0.86 | 0.91 | 1.06 | 1.11 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | - | 636.54 Cr | 936.97 Cr | 1,237.32 Cr | 1,638.19 Cr |
| Cost of Revenue | - | 412.52 Cr | 524.28 Cr | 562.18 Cr | 693.89 Cr |
| Gross Profit | - | 224.02 Cr | 412.69 Cr | 675.14 Cr | 944.30 Cr |
| Operating Expenses | - | 64.38 Cr | 110.98 Cr | 118.56 Cr | 153.82 Cr |
| Operating Income | - | 159.64 Cr | 301.71 Cr | 556.58 Cr | 790.48 Cr |
| EBITDA | - | 219.00 Cr | 336.90 Cr | 545.22 Cr | 718.53 Cr |
| Interest Expense | - | 4.92 Cr | 7.35 Cr | 69.90 Cr | 94.83 Cr |
| Pretax Income | - | 201.37 Cr | 316.14 Cr | 458.52 Cr | 603.59 Cr |
| Tax Provision | - | 51.63 Cr | 79.03 Cr | 113.35 Cr | 152.76 Cr |
| Net Income | - | 149.74 Cr | 237.10 Cr | 345.17 Cr | 450.83 Cr |
| Diluted EPS | - | 1.41 | 2.30 | 3.15 | 4.10 |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Total Assets | - | 5,746.44 Cr | 7,062.78 Cr | 8,595.81 Cr | 11,085.40 Cr |
| Current Assets | - | 1,518.62 Cr | 2,851.70 Cr | 3,237.57 Cr | 4,417.42 Cr |
| Cash & Equivalents | - | 183.81 Cr | 225.21 Cr | 265.40 Cr | 481.04 Cr |
| Inventory | - | - | - | - | - |
| Receivables | - | 8.54 Cr | 3.87 Cr | 5.04 Cr | 37.20 L |
| Total Liabilities | - | 4,019.17 Cr | 4,284.72 Cr | 5,405.68 Cr | 7,360.25 Cr |
| Current Liabilities | - | 1,389.55 Cr | 1,695.76 Cr | 1,847.98 Cr | 2,434.55 Cr |
| Long Term Debt | - | 2,611.46 Cr | 2,571.47 Cr | 3,541.51 Cr | 4,905.69 Cr |
| Total Debt | - | 3,739.06 Cr | 3,996.02 Cr | 5,264.32 Cr | 7,161.71 Cr |
| Total Equity | - | 1,727.27 Cr | 2,778.07 Cr | 3,190.13 Cr | 3,725.15 Cr |
| Shares Outstanding | - | 105.95 Cr | 107.38 Cr | 108.60 Cr | 110.64 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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 Cr | 159.37 Cr | 175.62 Cr | 130.99 Cr |
| Financing Cash Flow | - | 1,071.01 Cr | 1,037.20 Cr | 1,280.85 Cr | 1,977.35 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 Cr | 41.40 Cr | 41.21 Cr | 215.64 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Gross Margin % | - | 35.2% | 44.0% | 54.6% | 57.6% |
| Operating Margin % | - | 25.1% | 32.2% | 45.0% | 48.3% |
| Net Margin % | - | 23.5% | 25.3% | 27.9% | 27.5% |
| ROE % | - | 8.7% | 8.5% | 10.8% | 12.1% |
| ROCE % | - | 3.7% | 5.6% | 8.2% | 9.1% |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for SBFC
SBFC Finance Q3 FY26 slides: AUM crosses ₹10,000 crore, PAT jumps 34% - Investing.com
<a href="https://news.google.com/rss/articles/CBMivgFBVV95cUxOTGFGWGh2dlZQcENMQ0VyTENhS0hsRUlyRV9GTkthelZaMDB0a2tKRUoySW1kY3NRRHc4ZkRqc3R2Q2JyMzhpaWNCZllneU5NSFBnLVFQandwbzVFSkN0SlVvalgyYl9nQ0NEV1pVN3pzNUxZdDEzUkJkZERyX1p2Sk9Tal9hSWxZRHliLU…
Massachusetts Institute of Technology exits SBFC Finance, SBI MF picks up 1.4% stake in Pearl Global - Moneycontrol.com
<a href="https://news.google.com/rss/articles/CBMi9gFBVV95cUxPTkNXX1U2RkFQcHJ5eGhxY2psQ3JjbzFhN19oNy13R3VIdGxaN1VKVHhqYmJtSmJFbjZTZmtteWtiUmY2b2RXRHNXeTF3S1djTXk3T3Y2cVc4bkN1bGRacGxfZ1BtYUQ2bHFTX09qQUFIRGVScGxadHJCbGdDbm9pUTZGb3BXaldYZHhuWH…
These mid-cap stocks with ‘Strong Buy’ & ‘Buy’ recos can rally over 25%, according to analysts - The Economic Times
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Stock Picks Today: SBFC Finance, Tata Commmunications, PB Fintech And More On Brokerages' Radar - NDTV Profit
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Aprwood Partners exits SBFC Finance; sells entire stake for Rs 494 crore - Press Trust of India
<a href="https://news.google.com/rss/articles/CBMiugFBVV95cUxQelhRNTRxLV9XVUJNa3pqV1RJT2R4MG5MSFB3azQwd0VaOHQxak5BdU1VQ1kxaWgwM0d5Ry1fMGZjYWdnczlQYVlKX0Y5TjlJM25iRXJjYVRGbGVvX3hCWmFVdGVZd2VkNlowRkc4UmRycDZlZlkwZDVmZHJSbmRpX2QzUFdva0g0N2xpem…
The street is not happy with SBFC Finance despite a strong Q3; Stock back at listing price - CNBC TV18
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SBFC — Frequently Asked Questions
What is the current share price of SBFC Finance Limited (SBFC)?
As of 2026-07-15 09:52 IST, SBFC Finance Limited (SBFC) trades at ₹92.71 on NSE. Its 52-week range is ₹80.95 to ₹119.02.
What is the market capitalisation of SBFC?
SBFC Finance Limited (SBFC) has a market capitalisation of ₹10,257.57 Cr on NSE.
What is the P/E ratio of SBFC?
SBFC trades at a trailing price-to-earnings (P/E) ratio of 22.61. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 2.76.
What is the return on equity (ROE) of SBFC?
SBFC has a return on equity (ROE) of 12.10%. Its return on capital employed (ROCE) is 8.07%.
Is SBFC a good stock to buy?
This page provides a data-driven analysis of SBFC Finance Limited (SBFC), 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.