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SBFC Finance Limited SBFC NIFTY_SMALLNSEFINANCIAL

Financial Services · Credit Services · India
https://www.sbfc.com
Company Profile ↓
₹100.08
-2.23% 1Y
Mkt Cap₹11,072.99 Cr
P/E24.41
P/B2.80
52W High₹118.50
52W Low₹80.95
Book Value₹33.67
EPS (TTM)₹4.10

Company Overview

SBFC Finance Limited, a non-banking financial company, engages in fund-based financing activity in India. The company offers secured loans for micro, small, and medium enterprises (MSME); loans against gold; unsecured personal loans and unsecured business loans; and loan management services. It 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. SBFC Finance Limited 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

Consistent Profit Growth

Net profit has compounded at 44.4% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 37.0% CAGR over the past five years.

Healthy Margins

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:-2.23%
6 Months:+6.51%
3 Months:+9.03%
1 Month:+5.03%

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

Technical Snapshot Bullish
52-Week Range 51% of range
₹80.95 ₹118.50
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)65.15 · Neutral
Price Performance
1M+5.03%
3M+9.03%
6M+6.51%
1Y-2.23%
Valuation vs Sector

P/E of 24.41 is above the sector median of 19.62 — pricier 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 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.

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Valuation

Stock P/E
24.41
Industry PE
19.62
Forward P/E
16.33
PEG Ratio
-
Book Value
₹33.67
Price to Book
2.80
P/S
9.76
EV/EBITDA
23.97
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
37.04%
Profit 5Y
44.40%
Revenue (YoY)
32.40%
Earnings (YoY)
30.61%

Profitability & Returns

ROCE
8.07%
ROE
12.10%
ROA
4.07%
Profit Margin
27.52%
Op Margin
48.25%
Gross Margin
57.64%
EPS (Latest Qtr)
₹1.17
EPS (TTM)
₹4.10

Balance Sheet & Liquidity

Debt/Equity
1.92
Quick Ratio
-
Current Ratio
1.81
Debt
₹7,161.71 Cr
Total Assets
₹11,085.40 Cr
Current Assets
₹4,417.42 Cr
Working Capital
₹1,982.87 Cr

Ownership

Promoter Holding
61.51%
Chg in Prom Hold
-0.11%
FII / Inst Holding
25.04%
Chg in FII Hold
0.60%

Financial Snapshot

Enterprise Value
₹11,072.99 Cr
Total Revenue (TTM)
₹1,638.19 Cr
EBITDA
₹718.53 Cr
Free Cash Flow
₹-1,907.38 Cr
Operating Cash Flow
₹-1,892.70 Cr
Shares Outstanding
₹110.64 Cr
Gross Margin
57.64%
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 SBFC SBFC Finance Limited NIFTY_SMALLNSEFINANCIAL 100.08 24.41 ₹11,072.99 Cr 0.00% 8.07% 12.10% 37.04% 44.40%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 712.10 15.57 ₹10.96 L Cr 1.77% - 8.63% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.20 19.03 ₹10.19 L Cr 0.82% - 14.93% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,016.10 11.15 ₹9.38 L Cr 1.60% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,060.50 34.76 ₹6.60 L Cr 0.47% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 415.35 9.14 ₹5.25 L Cr 2.58% - 32.53% 7.26% 16.86%
7 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 424.50 21.89 ₹4.22 L Cr 0.16% - 10.64% 13.48% 8.92%
8 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,273.00 15.07 ₹3.96 L Cr 0.08% - 12.27% 12.16% 34.61%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,970.00 32.30 ₹3.15 L Cr 0.06% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026Jun 2026
Revenue 230.00 Cr246.00 Cr264.00 Cr279.00 Cr298.00 Cr--352.19 Cr379.72 Cr425.40 Cr449.93 Cr486.95 Cr
Cost of Revenue -------186.25 Cr195.38 Cr203.74 Cr223.64 Cr241.36 Cr
Gross Profit -------165.94 Cr184.34 Cr221.66 Cr226.30 Cr245.60 Cr
Operating Expenses 75.00 Cr83.00 Cr90.00 Cr90.00 Cr94.00 Cr--26.95 Cr31.26 Cr30.21 Cr27.56 Cr32.30 Cr
Operating Income -------138.99 Cr153.08 Cr191.45 Cr198.74 Cr213.29 Cr
EBITDA -------143.55 Cr158.12 Cr196.44 Cr203.74 Cr218.14 Cr
Interest Expense 89.00 Cr89.00 Cr85.00 Cr88.00 Cr95.00 Cr-------
Pretax Income 63.00 Cr71.00 Cr86.00 Cr97.00 Cr105.00 Cr--125.80 Cr135.71 Cr157.87 Cr164.13 Cr174.12 Cr
Tax Provision 15.75 Cr18.46 Cr21.50 Cr23.28 Cr26.25 Cr--31.40 Cr34.82 Cr39.83 Cr41.36 Cr44.00 Cr
Net Income 47.00 Cr53.00 Cr64.00 Cr74.00 Cr79.00 Cr--94.39 Cr100.89 Cr118.04 Cr122.77 Cr130.12 Cr
Diluted EPS 0.510.490.600.690.73--0.860.911.061.111.17

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -636.54 Cr936.97 Cr1,237.32 Cr1,638.19 Cr
Cost of Revenue -412.52 Cr524.28 Cr562.18 Cr693.89 Cr
Gross Profit -224.02 Cr412.69 Cr675.14 Cr944.30 Cr
Operating Expenses -64.38 Cr110.98 Cr118.56 Cr153.82 Cr
Operating Income -159.64 Cr301.71 Cr556.58 Cr790.48 Cr
EBITDA -219.00 Cr336.90 Cr545.22 Cr718.53 Cr
Interest Expense -4.92 Cr7.35 Cr69.90 Cr94.83 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

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -5,746.44 Cr7,062.78 Cr8,595.81 Cr11,085.40 Cr
Current Assets -1,518.62 Cr2,851.70 Cr3,237.57 Cr4,417.42 Cr
Cash & Equivalents -183.81 Cr225.21 Cr265.40 Cr481.04 Cr
Inventory -----
Receivables -8.54 Cr3.87 Cr5.04 Cr37.20 L
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 Cr2,434.55 Cr
Long Term Debt -2,611.46 Cr2,571.47 Cr3,541.51 Cr4,905.69 Cr
Total Debt -3,739.06 Cr3,996.02 Cr5,264.32 Cr7,161.71 Cr
Total Equity -1,727.27 Cr2,778.07 Cr3,190.13 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%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

Insiders
61.51%
Institutions
25.04%
Public Float
65.07%

Analyst View

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Latest News

Recent headlines for SBFC

Google News ue, 01 Sep 2026

Blackstone-backed Epsilon Bidco exits EPL for Rs 2,032 crore; HDFC Life buys Rs 74 crore worth shares in SBFC Finance - TradingView

<a href="https://news.google.com/rss/articles/CBMiiwJBVV95cUxNU1dGQllGeVhYSG0tdnlLNzQ2T3lxNkVBTmM3YlpBV0YxeG9lMksxempjbjd2TXNSWVZMYlE1VDBPNEU0UUwxc19RWG91QXVqUGtnRmhtb2RpRXhtMkkwOHRfZ2ZUMHdpQXhpUV9MLS1WUFN1aWhxSFNwb216RGJvYUdnMU42dFR5Rk90Um…

Google News hu, 27 Aug 2026

If EPS Growth Is Important To You, SBFC Finance (NSE:SBFC) Presents An Opportunity - simplywall.st

<a href="https://news.google.com/rss/articles/CBMi4wFBVV95cUxPd0h6OXN5TWRQZUNTQ1d5R3V6VGNTOXctQktERFdLclQ2cU5GTmV2VUdxLVlBLXpvRUp1VmEwUEMzUUhpcWNrb1BIdTAtTUhBTmVENndTcmdWTzVNR2p5N0NVQk9NSlFQWjUtTnRFNHJ2QmRISHJXM1BNLTB5RVdBcUxTdzVBaEd2WllOX2…

Google News Sat, 25 Jul 2026

Earnings call transcript: SBFC Finance posts steady Q1 2026 growth, shares rise - Investing.com

<a href="https://news.google.com/rss/articles/CBMizgFBVV95cUxPQjhiX01HQkJzSmc2R1F1ZFo0d25ZalctdG5wQ0VEakVFaEZnVm9LN3haaWhyUGVRUTAzVXZkMFNaTkNiSk5pdnFkRDRHSllBNzBDdkpUVldwNWdNLW9ER19lMEFpbEw1MWdSWGwzZmc5aHBzNGdNVmVCLWFONlYzbkt2ZjI5YnFURzYxZG…

Google News hu, 03 Sep 2026

SBFC Finance receives independent ESG rating of 68 for FY26 - scanx.trade

<a href="https://news.google.com/rss/articles/CBMirgFBVV95cUxQQ2xRUzhiQnhZdXAzS2hTUF9sZHk1anoyRkllWlBSeEg0Vk55c29zM2M1bF83RUtHLU9hZWF0TzFxSU8zaTA2bkUyRzF4Rk85b3FYZnk4UnJLdlloaXM5YkswUFd1azVVR1Z6TjRUSUVxNjQ2S09nWnpCOXNfU1lYNjRpNl8tUlpQZlZxTG…

Google News Sun, 30 Aug 2026

SBFC Finance Ltd. Key Financial Ratios – Valuation, Profitability & More - Value Research

<a href="https://news.google.com/rss/articles/CBMihAFBVV95cUxPZ1BmZHByTXZVWkkyUjFQNUhGdmRkZXNoY1FpbkRHd0ZFLWtEMjZUTllGbVlNTzd5YnFTRTZjcnhHVGdBU1ZiNFF2N3RlYjl0M0w4cTFDdXBfNURnMFJMdzlINUt3Q1lfS0F5aV9wcjVXVWNTSWY5WUkybk5DdElGbXNEZTI?oc=5" targ…

Google News Sat, 25 Jul 2026

SBFC Finance Limited Reports Earnings Results for the First Quarter Ended June 30, 2026 - marketscreener.com

<a href="https://news.google.com/rss/articles/CBMi1gFBVV95cUxOT3NxejhfTHJJalFyU2NoTGNzSkdjOU1tTlg5bzducVdKOWFMd3V5eXhmeGhGOWlVOGR1U2JfbVIxcFFhMHZNNXhGMTBDWGNxRWRZRUUtRklsTHF6ZmVBNlZROFdEdGE3N2ZkOFV4U29DR09ZNTZULW9aNUlGckxYeHp4elFLb255MWR6Uz…

SBFC — Frequently Asked Questions

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

As of 2026-09-08 04:53 IST, SBFC Finance Limited (SBFC) trades at ₹100.08 on NSE. Its 52-week range is ₹80.95 to ₹118.50.

What is the market capitalisation of SBFC?

SBFC Finance Limited (SBFC) has a market capitalisation of ₹11,072.99 Cr on NSE.

What is the P/E ratio of SBFC?

SBFC trades at a trailing price-to-earnings (P/E) ratio of 24.41. The industry average P/E is 19.62. Its price-to-book (P/B) ratio is 2.80.

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.

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