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SBFC Finance Limited SBFC NIFTY_SMALLNSEFINANCIAL

Financial Services · Credit Services · India
https://www.sbfc.com
Company Profile ↓
₹80.22
-21.63% 1Y
Mkt Cap₹8,914.07 Cr
P/E18.53
P/B2.51
52W High₹118.50
52W Low₹80.22
Book Value₹33.69
EPS (TTM)₹4.33

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 44.9%.

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 +24.6%, earnings +28.6%.
  • 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:24.60%

Compounded Profit Growth

5 Years:44.40%
1 Year:28.60%

Stock Price Performance

1 Year:-21.63%
6 Months:-15.12%
3 Months:-12.97%
1 Month:-11.27%

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

Technical Snapshot Bearish
52-Week Range 0% of range
₹80.22 ₹118.50
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)32.03 · Neutral
Price Performance
1M-11.27%
3M-12.97%
6M-15.12%
1Y-21.63%
Valuation vs Sector

P/E of 18.53 is above the sector median of 15.25 — 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 44.9%.
  • Compounding revenue at 37.0% over 5 years.
  • Profit CAGR of 44.4% over 5 years.

CONS

  • Trading 32.3% below its 52-week high.
  • 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
18.53
Industry PE
15.25
Forward P/E
13.04
PEG Ratio
-
Book Value
₹33.69
Price to Book
2.51
P/S
8.77
EV/EBITDA
23.97
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
37.04%
Profit 5Y
44.40%
Revenue (YoY)
24.60%
Earnings (YoY)
28.60%

Profitability & Returns

ROCE
8.07%
ROE
12.10%
ROA
4.07%
Profit Margin
44.88%
Op Margin
58.55%
Gross Margin
99.75%
EPS (Latest Qtr)
₹1.17
EPS (TTM)
₹4.33

Balance Sheet & Liquidity

Debt/Equity
1.96
Quick Ratio
-
Current Ratio
1.81
Debt
₹7,289.57 Cr
Total Assets
₹11,085.40 Cr
Current Assets
₹4,417.42 Cr
Working Capital
₹1,982.87 Cr

Ownership

Promoter Holding
61.31%
Chg in Prom Hold
-0.16%
FII / Inst Holding
24.45%
Chg in FII Hold
-1.66%

Financial Snapshot

Enterprise Value
₹8,914.07 Cr
Total Revenue (TTM)
₹1,069.70 Cr
EBITDA
₹718.53 Cr
Free Cash Flow
₹-1,907.38 Cr
Operating Cash Flow
₹-1,892.70 Cr
Shares Outstanding
₹111.12 Cr
Gross Margin
99.75%
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 80.22 18.53 ₹8,914.07 Cr 0.00% 8.07% 12.10% 37.04% 44.40%
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 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
61.31%
Institutions
24.45%
Public Float
63.19%

Analyst View

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Latest News

Recent headlines for SBFC

Google News hu, 22 Oct 2026

SBFC Finance schedules Q2 FY27 earnings call for October 26 - The Globe and Mail

<a href="https://news.google.com/rss/articles/CBMi1wFBVV95cUxNd05kZ25fd0NETVYtUk5Fby1uWGtJWVpoR0VteXJhNjZIZTFoYVhaQTRpOXdKRTBVV1cwOHRfTF8zZlR1N0F3VDdQSG1sMW1la01pSzVRMFNLa0NHWlNERThuSVE3NXlhVTdqb3FrUm1GdDVhNVkyYlFRNDRSZ0k0Q19nRmg0TDl4VklIRl…

Google News Mon, 27 Jul 2026

SBFC Finance Ltd (BOM:543959) Q1 2027 Earnings Call Highlights: Strong AUM Growth and ... - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMilwFBVV95cUxOUDZfQW9XTm9jYng3NWU0SEtUUGZaRENYNllFUTJhTXRzSnJjMUh4d1BCRXAzZDU2aHMxdGxTcVJ6UHhlMVFKMktfZ2g3Q3B0QTVTVDE2SkxBTkk0a25PZ01IVm9oLWpTaC1mQUQ0RkdFVEd4U2lGTkNVWkZBUmNmaGpsZjk3d0ZvSWRMTj…

Google News Sun, 06 Sep 2026

Weekly Recap: NIIF Infrastructure Fund II investment and SBFC Finance buy - TradingView

<a href="https://news.google.com/rss/articles/CBMizwFBVV95cUxNR2tjNzdnRGM0dzNPbVEwbkswRWQ5dGlqQ3R4eHV5RkplRHpXc2ZZcXJtVU9VeXdlV3F5WkFlUjBndERCR3hhc2ZqWUFXV2x4X3lkZVN1eFh5MkdQTnd3TzhwTnF6czBtSWhtVTZUNm5lMnQwWi1jdFJQaTZZTjBSck9CV0JIbl9Ubmlfcz…

Google News Sun, 18 Oct 2026

SBFC Finance profit rises 29% in Q1FY27 on wider spreads - scanx.trade

<a href="https://news.google.com/rss/articles/CBMiuwFBVV95cUxPdXF4U0J1WTFFd2JmRTBPWlFFUnZ4X05vWFNpSU9DMlVKRDhwbG5nRkdfbWdKMzBYYVYzMXVCVXB1SHQ5dlB0VXRkSTJXMGJKTE42enZFOUpGVnFvOS1WeC1QU01nbnpZYWpud1FEZHFVdTE5NkZwVVF4ekpZNXMwVFc5LXN4d01OQjViS2…

Google News Fri, 09 Oct 2026

SBFC Finance Files SEBI Compliance Certificate on Demat Activity for Q2 FY27 - The Globe and Mail

<a href="https://news.google.com/rss/articles/CBMi7gFBVV95cUxPaUR1MkdoaTRIblN4Z2JjRVh3YjJpTXJwZDAwQUlwYUdRdnZNejRXT3luT0ZxVTJtOUxOMTZqelIzQWhmMElGQ1p2clE0Nzh3emh6clo3cTFoSjZUQkxieDV0RTc5N3BzejIzN1U0Z0szeHJjLThQaW8yOVp6T3dMeVFWdWlEUEJZV3hXSD…

Google News Sun, 04 Oct 2026

SBFC Finance Ltd. Financials – Balance Sheet, Profit & Loss, Cash Flow - Value Research

<a href="https://news.google.com/rss/articles/CBMijgFBVV95cUxQbXlWYW5Vc1hjWnZvbDJIeGh3VTBkYmNBQjRtM2xzTnNrNkJHRzF6OGthc0NxUEw1WlJpMjhFQ3dtUGFfbV9tb0xnZ051V0FsUWlhMktBTFBrZ255MWNmcS01dFRMR3l0YmtIQ1JaZU1LVzRCdUpEeUsxSFVqcTc5amlyVXZwa3dfdVZsX1…

SBFC — Frequently Asked Questions

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

As of 2026-10-24 04:55 IST, SBFC Finance Limited (SBFC) trades at ₹80.22 on NSE. Its 52-week range is ₹80.22 to ₹118.50.

What is the market capitalisation of SBFC?

SBFC Finance Limited (SBFC) has a market capitalisation of ₹8,914.07 Cr on NSE.

What is the P/E ratio of SBFC?

SBFC trades at a trailing price-to-earnings (P/E) ratio of 18.53. The industry average P/E is 15.25. Its price-to-book (P/B) ratio is 2.51.

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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