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SBFC Finance

SBFC NSE
₹88.25 +0.56 (+0.64%)
P/E
20.19
View as Markdown
MCP
Close 4 Nov 2026 ₹88.25 −24.15 −21.5% 1Y
Start ₹112.40

Key Fundamentals

MicrocapFinanceFinancial Services

Price-based figures as of · EPS basis: Standalone · TTM

Debt to Equity
1.92
EPS (TTM)
₹4.37
Book Value
₹36.45
Market Cap
—
P/E (TTM)
20.19
P/B
2.42
ROE
13.00%
Dividend Yield
0.00%
52W High
₹117.34
52W Low
₹77.25
Day Range
₹86.59 – ₹89.00
Volume
4,73,180
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Peer Comparison

Financial Services › NBFC › Non Banking Financial Company (NBFC)

SBFC Finance peer comparison
Bajaj Finance
₹994.0028.53₹6,11,015 Cr5.020.62%18.20%—₹90,331 Cr₹22,067 Cr
Shriram Finance
₹908.7515.19₹2,13,704 Cr1.920.73%16.40%—₹51,877 Cr₹12,688 Cr
Cholamandalam Investment
₹1,658.0024.45₹1,42,243 Cr4.100.12%19.40%—₹32,663 Cr₹5,751 Cr
Tata Capital
₹337.7526.24₹1,41,036 Cr2.930.17%12.40%—₹32,695 Cr₹5,478 Cr
Muthoot Finance
₹2,709.809.57₹1,04,354 Cr2.481.19%30.90%—₹33,431 Cr₹11,457 Cr
L&T Finance
₹263.7020.75₹63,912 Cr2.261.09%11.20%—₹18,898 Cr₹3,198 Cr
SBI Cards
₹553.0023.14₹52,160 Cr3.060.47%14.70%—₹20,063 Cr₹2,275 Cr
SBFC Finance (this company)
₹88.2520.19₹9,741 Cr2.420.00%13.00%—₹1,782 Cr₹480 Cr
Median 8 companies₹730.8821.95₹1,22,695 Cr2.710.54%15.55%—₹32,679 Cr₹5,615 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

47 Average

Data confidence 94/100

Category scores

Quality
24
Poor
Returns, margins, earnings quality 22% weight
Valuation
38
Weak
Cheap vs sector & own history 24% weight
Growth
83
Strong
Sales & profit trajectory 9% weight
Financial Health
43
Weak
Solvency, leverage, coverage 9% weight
Momentum
27
Poor
Trend strength, vol-adjusted 12% weight
Ownership
77
Strong
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

1
  • Company has delivered good profit growth of 39.6% CAGR over last 5 years

Weaknesses

3
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has a low return on equity of 11.9% over last 3 years.
  • Promoter holding has decreased over last 3 years: -11.8%

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallBullish667
OscillatorsBullish162
Moving AveragesNeutral505

Key readings

RSI (14)
53.29
Neutral
MACD (12,26,9)
−0.45
Bullish
SMA (50)
90.02
Bearish
SMA (200)
92.10
Bearish

As of

Analyst Rating

Based on 7 analysts
BUY100%

7 of 7 analysts rate Buy, 0 Hold, 0 Sell.

As of

BUY
7
100%
HOLD
0
0%
SELL
0
0%

Growth Rate

From the financial statements below. 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.

Revenue

Revenue growth by window
5Y+26.91%
3Y+31.76%
1Y+28.66%
TTM+27.65%

Net profit

Net profit growth by window
5Y+39.62%
3Y+44.33%
1Y+30.72%
TTM+30.79%

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2019₹177 Cr
Mar 2020₹445 Cr
Mar 2021₹510 Cr
Mar 2022₹529 Cr
Mar 2023₹734 Cr
Mar 2024₹1,019 Cr
Mar 2025₹1,305 Cr
Mar 2026₹1,679 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2019₹24.00 Cr
Mar 2020₹36.00 Cr
Mar 2021₹85.00 Cr
Mar 2022₹65.00 Cr
Mar 2023₹150 Cr
Mar 2024₹237 Cr
Mar 2025₹345 Cr
Mar 2026₹451 Cr

Analyst Forecasts

Forecast For
FY27 consensus · EPS
₹5.03 +21.9% vs FY26
Reported High Mean Low

AI Analysis — Bull vs Bear

Generated 6 Jul 2026
AI opinion · based on fundamentals
Risk medium

SBFC Finance Ltd is a small-cap NBFC with a market cap of ₹10,076 Cr, trading at a P/E of 22.4x and P/B of 2.71x. The company has delivered strong compounded profit growth of 40% CAGR over 5 years and 29% TTM sales growth, but carries a modest ROE of ~12% over 3 years and has seen an 18% stock price decline over the past year.

Bull Case 7
  • Compounded profit growth of 40% CAGR over 5 years demonstrates consistent earnings acceleration in a competitive NBFC space
  • TTM sales growth of 29% indicates the company is still scaling its loan book at a healthy pace
  • 3-year compounded sales CAGR of 32% shows sustained topline momentum, not a one-off spike
  • TTM profit growth of 31% outpaces many peers in the small-cap financial services segment
  • ROE has improved from 11% (5-year average) to 13% in the last year, suggesting improving capital efficiency
  • P/E of 22.4x is not excessively expensive for a company delivering 30%+ profit growth, implying a PEG ratio below 1
  • 3-year compounded profit CAGR of 44% shows the business has been on a strong profitability trajectory
Bear Case 7
  • Stock has declined 18% over the past 1 year, indicating weak market sentiment and possible de-rating
  • Zero dividend yield despite repeated profitability means shareholders rely entirely on capital appreciation
  • Promoter holding decreased by 0.47% in the last quarter, which may signal reduced insider confidence
  • 3-year average ROE of only 11.9% is below the 15%+ threshold typically expected for premium-valued NBFCs
  • No 52-week high/low data and limited 10-year history suggest the company has a short listed track record, increasing uncertainty
  • Debt-to-equity ratio is undisclosed, creating opacity around leverage levels in a lending business where balance sheet risk is critical
  • At a market cap of ₹10,076 Cr with current ROE of 13%, the valuation implies the market is pricing in significant future improvement that may not materialize

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

121d ago

TL;DR: Recent news flow for SBFC Finance is purely procedural, covering routine regulatory filings and AGM scheduling. There are no identifiable headwinds or positive catalysts from these updates. The lack of material business developments suggests a quiet period with no change in trend direction.

Neutral 2
  • BRSR filed for FY26 Jun 18

    SBFC Finance filed its Business Responsibility and Sustainability Report for FY 2025-26, reporting 5,144 employees and zero data breaches.

  • 16th AGM set July 14 Jun 13

    SBFC Finance will hold its 16th Annual General Meeting on July 14, 2026, via video conferencing. Notice published in newspapers.

Quarterly Results

₹ Cr
SBFC quarterly results, ₹ crore
Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
230
246
264
279
298
314
333
361
388
411
426
454
491
Expenses
75
83
90
91
94
100
105
113
123
131
127
138
160
Financing Profit
66
74
89
100
109
114
122
130
141
151
163
169
179
Fin. Margin %
29%
30%
34%
36%
37%
36%
37%
36%
36%
37%
38%
37%
36%
Other Income
0
0
0
1
0
0
0
1
0
0
0
0
0
Interest
89
89
85
88
95
100
106
118
125
129
136
147
152
Depreciation
3
3
3
4
4
4
5
5
5
5
5
5
5
PBT
63
71
86
97
105
110
117
126
136
146
158
164
174
Tax %
25%
26%
25%
24%
25%
24%
25%
25%
26%
25%
25%
25%
25%
Net Profit
47
53
64
73
79
84
88
94
101
109
118
123
130
EPS (₹)
0.51
0.49
0.6
0.68
0.73
0.78
0.81
0.87
0.93
1
1.08
1.11
1.18
Gross NPA %
2.54%
2.37%
2.38%
2.43%
2.6%
2.69%
2.7%
2.74%
2.78%
2.77%
2.71%
2.61%
2.66%
Net NPA %
1.55%
1.33%
1.36%
1.36%
1.51%
1.63%
1.63%
1.51%
1.57%
1.51%
1.48%
1.54%
1.55%

Profit & Loss

₹ Cr
SBFC profit and loss, annual, ₹ crore
Particulars Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
177
445
510
529
734
1,019
1,305
1,679
1,782
Expenses
89
134
149
210
247
338
409
516
556
Financing Profit
37
67
123
97
209
329
475
623
661
Fin. Margin %
21%
15%
24%
18%
28%
32%
36%
37%
37%
Other Income
0
0
1
1
5
1
0
0
1
Interest
50
244
239
222
278
352
421
539
565
Depreciation
2
8
10
12
13
13
17
20
20
PBT
35
59
114
87
201
316
459
604
642
Tax %
30%
39%
25%
26%
26%
25%
25%
25%
—
Net Profit
24
36
85
65
150
237
345
451
480
EPS (₹)
0.36
0.46
1.03
0.77
1.67
2.21
3.18
4.07
4.37
Div. Payout %
0%
0%
0%
0%
0%
0%
0%
0%
—

Balance Sheet

₹ Cr
SBFC balance sheet, annual, ₹ crore
Particulars Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
676
742
797
807
890
1,072
1,085
1,106
Reserves
204
270
408
480
838
1,706
2,105
2,619
Borrowing
842
3,056
2,768
2,940
3,739
3,996
5,264
7,162
Other Liabilities
71
140
258
288
280
289
141
199
Total Liabilities
1,793
4,208
4,231
4,515
5,747
7,063
8,596
11,085
Fixed Assets
270
294
301
299
296
300
308
314
CWIP
0
0
0
0
1
2
1
2
Investments
167
1,879
1,484
848
607
427
327
192
Other Assets
1,356
2,035
2,446
3,368
4,843
6,334
7,961
10,577
Total Assets
1,793
4,208
4,231
4,515
5,747
7,063
8,596
11,085

Cash Flow

₹ Cr
SBFC cash flow, annual, ₹ crore
Particulars Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
−368
−383
−275
−822
−1,245
−1,155
−1,415
−1,893
Investing
146
−1,863
375
652
206
158
176
131
Financing
395
2,291
−187
183
1,071
1,037
1,281
1,977
Net Cash Flow
173
45
−87
13
32
40
41
216
Free Cash Flow
−376
−389
−290
−831
−1,253
−1,167
−1,427
−1,907

Ratios

SBFC financial ratios, annual
Particulars Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
3%
4%
8%
5%
10%
11%
12%
13%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view SBFC Finance insights

47 extracted metrics across FY19–FY27.

Shareholding Pattern

As of Sep 2026

  • Promoters 52.23%
  • DIIs 22.24%
  • Others 10.29%
  • FIIs 7.66%
  • Public 7.59%

No promoter shares pledged as of 14 Oct 2026

Change vs previous quarter

Documents

Frequently Asked Questions about SBFC Finance

What does SBFC Finance Ltd do?
Incorporated in 2008, SBFC Finance Limited is a systemically important, NBFC (NBFC-ND-SI) offering Secured MSME Loans and Loans against Gold
Where is SBFC Finance Ltd (SBFC) listed?
SBFC Finance Ltd trades as SBFC on the NSE and under code 543959 on the BSE.
Which sector does SBFC Finance Ltd belong to?
SBFC Finance Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the PE ratio of SBFC Finance Ltd?
SBFC Finance Ltd trades at a PE ratio of 20.19 as of 4 Nov 2026, on earnings per share of ₹4.37, against a book value of ₹36.45 per share.
What is the 52-week high and low of SBFC Finance Ltd?
Over the last 52 weeks SBFC Finance Ltd has traded between ₹77.25 and ₹117.34 as of 4 Nov 2026.
What is the Return on Equity (ROE) of SBFC Finance Ltd?
SBFC Finance Ltd reported a return on equity of 13.00%. Its debt-to-equity ratio is 1.92.

Company Information

Incorporated in 2008, SBFC Finance Limited is a systemically important, NBFC (NBFC-ND-SI) offering Secured MSME Loans and Loans against Gold

Website sbfc.com
Listed 16 Aug 2023
Face Value ₹10

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