Share Price and Basic Stock Data
Last Updated: January 2, 2026, 4:58 pm
| PEG Ratio | 0.80 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
SBFC Finance Ltd operates within the Non-Banking Financial Company (NBFC) sector, emphasizing its growth trajectory through consistent revenue increases. The company reported revenues of ₹734 Cr for the fiscal year ending March 2023, which rose to ₹1,019 Cr in March 2024, marking a significant 38.9% year-over-year growth. The latest quarterly data indicates that revenue continues to rise, reaching ₹246 Cr in September 2023, with projected growth to ₹333 Cr by December 2024. This consistent upward trend demonstrates SBFC’s robust market positioning and its ability to expand its operational footprint. The financing profit margin has also improved, standing at 36% for March 2025, indicating effective management of interest income against expenses. The company’s focus on operational efficiency and customer acquisition has facilitated this revenue growth, positioning it favorably against typical sector performance metrics.
Profitability and Efficiency Metrics
Profitability metrics for SBFC Finance Ltd reflect a strong financial performance, with net profit recorded at ₹393 Cr for the trailing twelve months (TTM). The net profit margin stood at 26.43% for March 2025, showcasing the company’s ability to convert revenues into profit effectively. The return on equity (ROE) increased to 12% for March 2025, up from 10% in the previous year, further emphasizing management’s capability to generate returns for shareholders. The interest coverage ratio (ICR) was reported at 2.13x, indicating that the company comfortably meets its interest obligations through its earnings. However, the gross non-performing assets (NPA) ratio, which recorded 2.77% in September 2025, shows potential credit risk that could impact future profitability. Overall, the efficiency metrics indicate that SBFC is navigating its operational challenges effectively, but vigilance regarding asset quality remains crucial.
Balance Sheet Strength and Financial Ratios
SBFC Finance Ltd’s balance sheet exhibits significant growth, with total assets rising to ₹9,822 Cr as of September 2025, compared to ₹5,747 Cr in March 2023. The company’s reserves also reflect this growth, standing at ₹2,342 Cr in September 2025, showing a solid foundation for future expansions. The debt-to-equity ratio was reported at 1.65x for March 2025, indicating a balanced approach to leveraging. The book value per share increased to ₹29.40 for March 2025, enhancing shareholder value. However, the long-term debt-to-equity ratio of 0.00x suggests that SBFC is not relying on long-term debt for expansion, which may limit growth opportunities in a competitive market. The financial ratios indicate that while SBFC maintains a healthy balance sheet, its reliance on short-term borrowings warrants close monitoring as it scales operations.
Shareholding Pattern and Investor Confidence
The shareholding pattern of SBFC Finance Ltd reveals a diversified ownership structure, with promoters holding 52.98% as of September 2025, a decline from 64.05% in September 2023. This reduction indicates a gradual dilution of promoter control, which could reflect confidence in attracting institutional investors. Foreign Institutional Investors (FIIs) and Domestic Institutional Investors (DIIs) held 7.01% and 18.21%, respectively, showcasing a healthy interest in the company from institutional players. The total number of shareholders stood at 142,669, highlighting growing retail investor participation. However, the decreasing promoter stake could raise concerns about long-term strategic direction and control. Overall, the investor confidence appears robust, supported by the company’s strong financial performance and growth prospects, yet the shifts in promoter shareholding warrant observation.
Outlook, Risks, and Final Insight
Looking ahead, SBFC Finance Ltd is positioned for continued growth, driven by its expanding revenue base and improving profitability metrics. However, the company faces risks, including rising NPAs, which could hinder future earnings if not managed effectively. The dependency on short-term borrowings raises concerns about liquidity, particularly in a fluctuating interest rate environment. Nevertheless, SBFC’s strong capital reserves and improving operational efficiency provide a cushion against potential downturns. Should the company successfully manage its asset quality and maintain a healthy growth trajectory, it stands to enhance shareholder value significantly. Conversely, challenges in credit management and market competition could impede its progress. Ultimately, SBFC Finance Ltd’s outlook remains positive, contingent on its ability to navigate these risks while capitalizing on growth opportunities.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 14.0 Cr. | 1.40 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 7.33 Cr. | 0.73 | 8.60/0.71 | 21.6 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 449 Cr. | 61.6 | 125/55.4 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 15.6 Cr. | 17.0 | 33.0/15.0 | 11.6 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 33.0 Cr. | 73.2 | 154/70.0 | 17.6 | 238 | 1.36 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 28,940.50 Cr | 447.37 | 51.34 | 522.43 | 0.22% | 15.80% | 8.84% | 8.50 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 176 | 189 | 208 | 230 | 246 | 264 | 279 | 297 | 314 | 333 | 361 | 388 | 411 |
| Interest | 62 | 76 | 79 | 89 | 89 | 85 | 88 | 95 | 100 | 106 | 118 | 125 | 129 |
| Expenses | 64 | 63 | 69 | 75 | 83 | 90 | 91 | 94 | 100 | 105 | 113 | 123 | 131 |
| Financing Profit | 50 | 51 | 60 | 66 | 74 | 89 | 100 | 109 | 114 | 122 | 130 | 141 | 151 |
| Financing Margin % | 28% | 27% | 29% | 29% | 30% | 34% | 36% | 37% | 36% | 37% | 36% | 36% | 37% |
| Other Income | 1 | 5 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 0 |
| Depreciation | 3 | 3 | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 5 | 5 | 5 | 5 |
| Profit before tax | 48 | 53 | 58 | 63 | 71 | 86 | 97 | 105 | 110 | 117 | 126 | 136 | 146 |
| Tax % | 25% | 25% | 26% | 25% | 26% | 25% | 24% | 25% | 24% | 25% | 25% | 26% | 25% |
| Net Profit | 36 | 39 | 43 | 47 | 53 | 64 | 73 | 79 | 84 | 88 | 94 | 101 | 109 |
| EPS in Rs | 0.40 | 0.44 | 0.48 | 0.51 | 0.49 | 0.60 | 0.68 | 0.73 | 0.78 | 0.81 | 0.87 | 0.93 | 1.00 |
| Gross NPA % | 2.57% | 2.54% | 2.37% | 2.38% | 2.43% | 2.60% | 2.69% | 2.70% | 2.74% | 2.78% | 2.77% | ||
| Net NPA % | 1.58% | 1.55% | 1.33% | 1.36% | 1.36% | 1.51% | 1.63% | 1.63% | 1.51% | 1.57% | 1.51% |
Last Updated: December 28, 2025, 2:04 am
Below is a detailed analysis of the quarterly data for SBFC Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 129.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 125.00 Cr. (Jun 2025) to 129.00 Cr., marking an increase of 4.00 Cr..
- For Expenses, as of Sep 2025, the value is 131.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 123.00 Cr. (Jun 2025) to 131.00 Cr., marking an increase of 8.00 Cr..
- For Other Income, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Depreciation, as of Sep 2025, the value is 5.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 5.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 146.00 Cr.. The value appears strong and on an upward trend. It has increased from 136.00 Cr. (Jun 2025) to 146.00 Cr., marking an increase of 10.00 Cr..
- For Tax %, as of Sep 2025, the value is 25.00%. The value appears to be improving (decreasing) as expected. It has decreased from 26.00% (Jun 2025) to 25.00%, marking a decrease of 1.00%.
- For Net Profit, as of Sep 2025, the value is 109.00 Cr.. The value appears strong and on an upward trend. It has increased from 101.00 Cr. (Jun 2025) to 109.00 Cr., marking an increase of 8.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 1.00. The value appears strong and on an upward trend. It has increased from 0.93 (Jun 2025) to 1.00, marking an increase of 0.07.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:11 am
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|
| Revenue | 177 | 445 | 510 | 529 | 734 | 1,019 | 1,305 | 1,493 |
| Interest | 50 | 244 | 239 | 222 | 278 | 352 | 421 | 478 |
| Expenses | 89 | 134 | 149 | 210 | 247 | 338 | 409 | 472 |
| Financing Profit | 37 | 67 | 123 | 97 | 209 | 329 | 475 | 543 |
| Financing Margin % | 21% | 15% | 24% | 18% | 28% | 32% | 36% | 36% |
| Other Income | 0 | 0 | 1 | 1 | 5 | 1 | 0 | 1 |
| Depreciation | 2 | 8 | 10 | 12 | 13 | 13 | 17 | 19 |
| Profit before tax | 35 | 59 | 114 | 87 | 201 | 316 | 459 | 525 |
| Tax % | 30% | 39% | 25% | 26% | 26% | 25% | 25% | |
| Net Profit | 24 | 36 | 85 | 65 | 150 | 237 | 345 | 393 |
| EPS in Rs | 0.36 | 0.46 | 1.03 | 0.77 | 1.67 | 2.21 | 3.18 | 3.61 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
YoY Net Profit Growth
| Year | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 50.00% | 136.11% | -23.53% | 130.77% | 58.00% | 45.57% |
| Change in YoY Net Profit Growth (%) | 0.00% | 86.11% | -159.64% | 154.30% | -72.77% | -12.43% |
SBFC Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 6 years from 2019-2020 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 24% |
| 3 Years: | 35% |
| TTM: | 29% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 58% |
| 3 Years: | 75% |
| TTM: | 37% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | 27% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 10% |
| 3 Years: | 11% |
| Last Year: | 12% |
Last Updated: September 5, 2025, 2:26 pm
Balance Sheet
Last Updated: December 4, 2025, 2:25 am
| Month | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity Capital | 676 | 742 | 797 | 807 | 890 | 1,072 | 1,085 | 1,092 |
| Reserves | 204 | 270 | 408 | 480 | 838 | 1,706 | 2,105 | 2,342 |
| Borrowing | 842 | 3,056 | 2,768 | 2,940 | 3,739 | 3,996 | 5,264 | 6,176 |
| Other Liabilities | 71 | 140 | 258 | 288 | 280 | 289 | 141 | 212 |
| Total Liabilities | 1,793 | 4,208 | 4,231 | 4,515 | 5,747 | 7,063 | 8,596 | 9,822 |
| Fixed Assets | 270 | 294 | 301 | 299 | 296 | 300 | 308 | 309 |
| CWIP | 0 | 0 | 0 | 0 | 1 | 2 | 1 | 0 |
| Investments | 167 | 1,879 | 1,484 | 848 | 607 | 427 | 327 | 357 |
| Other Assets | 1,356 | 2,035 | 2,446 | 3,368 | 4,843 | 6,334 | 7,961 | 9,156 |
| Total Assets | 1,793 | 4,208 | 4,231 | 4,515 | 5,747 | 7,063 | 8,596 | 9,822 |
Below is a detailed analysis of the balance sheet data for SBFC Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 1,092.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,085.00 Cr. (Mar 2025) to 1,092.00 Cr., marking an increase of 7.00 Cr..
- For Reserves, as of Sep 2025, the value is 2,342.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,105.00 Cr. (Mar 2025) to 2,342.00 Cr., marking an increase of 237.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 212.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 141.00 Cr. (Mar 2025) to 212.00 Cr., marking an increase of 71.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 9,822.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 8,596.00 Cr. (Mar 2025) to 9,822.00 Cr., marking an increase of 1,226.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 309.00 Cr.. The value appears strong and on an upward trend. It has increased from 308.00 Cr. (Mar 2025) to 309.00 Cr., marking an increase of 1.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 1.00 Cr..
- For Investments, as of Sep 2025, the value is 357.00 Cr.. The value appears strong and on an upward trend. It has increased from 327.00 Cr. (Mar 2025) to 357.00 Cr., marking an increase of 30.00 Cr..
- For Other Assets, as of Sep 2025, the value is 9,156.00 Cr.. The value appears strong and on an upward trend. It has increased from 7,961.00 Cr. (Mar 2025) to 9,156.00 Cr., marking an increase of 1,195.00 Cr..
- For Total Assets, as of Sep 2025, the value is 9,822.00 Cr.. The value appears strong and on an upward trend. It has increased from 8,596.00 Cr. (Mar 2025) to 9,822.00 Cr., marking an increase of 1,226.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|
| Free Cash Flow | -753.00 | 131.00 | 147.00 | 208.00 | 244.00 | 335.00 | 404.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|
| ROE % | 4% | 8% | 5% | 10% | 11% | 12% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| SBI Small Cap Fund | 89,318,180 | 2.67 | 968.03 | 69,999,999 | 2025-10-30 01:15:18 | 27.6% |
| Invesco India Smallcap Fund | 11,095,450 | 1.34 | 120.25 | N/A | N/A | N/A |
| Franklin India Small Cap Fund | 9,946,451 | 0.8 | 107.8 | 11,200,000 | 2025-12-14 09:48:35 | -11.19% |
| Aditya Birla Sun Life Flexi Cap Fund | 8,500,000 | 0.37 | 92.12 | N/A | N/A | N/A |
| Aditya Birla Sun Life ELSS Tax Saver Fund | 8,422,121 | 0.58 | 91.28 | N/A | N/A | N/A |
| Aditya Birla Sun Life Multi-Cap Fund | 7,247,393 | 1.16 | 78.55 | N/A | N/A | N/A |
| Axis Small Cap Fund | 6,390,734 | 0.26 | 69.26 | N/A | N/A | N/A |
| HDFC Banking & Financial Services Fund | 4,800,000 | 1.15 | 52.02 | N/A | N/A | N/A |
| Invesco India Multicap Fund | 4,566,108 | 1.16 | 49.49 | N/A | N/A | N/A |
| Aditya Birla Sun Life Banking and Financial Services Fund | 4,508,249 | 1.32 | 48.86 | N/A | N/A | N/A |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 |
|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 3.21 | 2.35 | 1.71 | 0.81 |
| Diluted EPS (Rs.) | 3.15 | 2.30 | 1.62 | 0.79 |
| Cash EPS (Rs.) | 3.34 | 2.34 | 1.83 | 0.94 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 29.40 | 25.92 | 19.42 | 15.95 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 29.40 | 25.92 | 19.42 | 15.95 |
| Revenue From Operations / Share (Rs.) | 12.04 | 9.50 | 8.24 | 6.56 |
| PBDIT / Share (Rs.) | 8.24 | 6.34 | 5.51 | 3.96 |
| PBIT / Share (Rs.) | 8.09 | 6.22 | 5.37 | 3.81 |
| PBT / Share (Rs.) | 4.23 | 2.95 | 2.26 | 1.07 |
| Net Profit / Share (Rs.) | 3.18 | 2.21 | 1.68 | 0.79 |
| NP After MI And SOA / Share (Rs.) | 3.18 | 2.21 | 1.68 | 0.79 |
| PBDIT Margin (%) | 68.50 | 66.77 | 66.93 | 60.31 |
| PBIT Margin (%) | 67.21 | 65.45 | 65.20 | 58.08 |
| PBT Margin (%) | 35.12 | 31.03 | 27.47 | 16.38 |
| Net Profit Margin (%) | 26.43 | 23.27 | 20.43 | 12.19 |
| NP After MI And SOA Margin (%) | 26.43 | 23.27 | 20.43 | 12.19 |
| Return on Networth / Equity (%) | 10.82 | 8.53 | 8.66 | 5.01 |
| Return on Capital Employeed (%) | 27.44 | 20.90 | 26.70 | 22.62 |
| Return On Assets (%) | 4.01 | 3.35 | 2.60 | 1.42 |
| Long Term Debt / Equity (X) | 0.00 | 0.14 | 0.02 | 0.03 |
| Total Debt / Equity (X) | 1.65 | 1.44 | 2.16 | 2.28 |
| Asset Turnover Ratio (%) | 0.16 | 0.15 | 0.14 | 0.00 |
| Current Ratio (X) | 1.53 | 1.74 | 1.37 | 1.32 |
| Quick Ratio (X) | 1.53 | 1.74 | 1.37 | 1.32 |
| Interest Coverage Ratio (X) | 2.13 | 1.94 | 1.77 | 1.45 |
| Interest Coverage Ratio (Post Tax) (X) | 1.82 | 1.68 | 1.54 | 1.29 |
| Enterprise Value (Cr.) | 14417.14 | 12280.37 | 0.00 | 0.00 |
| EV / Net Operating Revenue (X) | 11.04 | 12.06 | 0.00 | 0.00 |
| EV / EBITDA (X) | 16.11 | 18.05 | 0.00 | 0.00 |
| MarketCap / Net Operating Revenue (X) | 7.34 | 8.61 | 0.00 | 0.00 |
| Price / BV (X) | 3.00 | 3.16 | 0.00 | 0.00 |
| Price / Net Operating Revenue (X) | 7.34 | 8.61 | 0.00 | 0.00 |
| EarningsYield | 0.03 | 0.02 | 0.00 | 0.00 |
After reviewing the key financial ratios for SBFC Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 3.21. This value is below the healthy minimum of 5. It has increased from 2.35 (Mar 24) to 3.21, marking an increase of 0.86.
- For Diluted EPS (Rs.), as of Mar 25, the value is 3.15. This value is below the healthy minimum of 5. It has increased from 2.30 (Mar 24) to 3.15, marking an increase of 0.85.
- For Cash EPS (Rs.), as of Mar 25, the value is 3.34. This value is within the healthy range. It has increased from 2.34 (Mar 24) to 3.34, marking an increase of 1.00.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 29.40. It has increased from 25.92 (Mar 24) to 29.40, marking an increase of 3.48.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 29.40. It has increased from 25.92 (Mar 24) to 29.40, marking an increase of 3.48.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 12.04. It has increased from 9.50 (Mar 24) to 12.04, marking an increase of 2.54.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 8.24. This value is within the healthy range. It has increased from 6.34 (Mar 24) to 8.24, marking an increase of 1.90.
- For PBIT / Share (Rs.), as of Mar 25, the value is 8.09. This value is within the healthy range. It has increased from 6.22 (Mar 24) to 8.09, marking an increase of 1.87.
- For PBT / Share (Rs.), as of Mar 25, the value is 4.23. This value is within the healthy range. It has increased from 2.95 (Mar 24) to 4.23, marking an increase of 1.28.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 3.18. This value is within the healthy range. It has increased from 2.21 (Mar 24) to 3.18, marking an increase of 0.97.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 3.18. This value is within the healthy range. It has increased from 2.21 (Mar 24) to 3.18, marking an increase of 0.97.
- For PBDIT Margin (%), as of Mar 25, the value is 68.50. This value is within the healthy range. It has increased from 66.77 (Mar 24) to 68.50, marking an increase of 1.73.
- For PBIT Margin (%), as of Mar 25, the value is 67.21. This value exceeds the healthy maximum of 20. It has increased from 65.45 (Mar 24) to 67.21, marking an increase of 1.76.
- For PBT Margin (%), as of Mar 25, the value is 35.12. This value is within the healthy range. It has increased from 31.03 (Mar 24) to 35.12, marking an increase of 4.09.
- For Net Profit Margin (%), as of Mar 25, the value is 26.43. This value exceeds the healthy maximum of 10. It has increased from 23.27 (Mar 24) to 26.43, marking an increase of 3.16.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is 26.43. This value exceeds the healthy maximum of 20. It has increased from 23.27 (Mar 24) to 26.43, marking an increase of 3.16.
- For Return on Networth / Equity (%), as of Mar 25, the value is 10.82. This value is below the healthy minimum of 15. It has increased from 8.53 (Mar 24) to 10.82, marking an increase of 2.29.
- For Return on Capital Employeed (%), as of Mar 25, the value is 27.44. This value is within the healthy range. It has increased from 20.90 (Mar 24) to 27.44, marking an increase of 6.54.
- For Return On Assets (%), as of Mar 25, the value is 4.01. This value is below the healthy minimum of 5. It has increased from 3.35 (Mar 24) to 4.01, marking an increase of 0.66.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. It has decreased from 0.14 (Mar 24) to 0.00, marking a decrease of 0.14.
- For Total Debt / Equity (X), as of Mar 25, the value is 1.65. This value exceeds the healthy maximum of 1. It has increased from 1.44 (Mar 24) to 1.65, marking an increase of 0.21.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.16. It has increased from 0.15 (Mar 24) to 0.16, marking an increase of 0.01.
- For Current Ratio (X), as of Mar 25, the value is 1.53. This value is within the healthy range. It has decreased from 1.74 (Mar 24) to 1.53, marking a decrease of 0.21.
- For Quick Ratio (X), as of Mar 25, the value is 1.53. This value is within the healthy range. It has decreased from 1.74 (Mar 24) to 1.53, marking a decrease of 0.21.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 2.13. This value is below the healthy minimum of 3. It has increased from 1.94 (Mar 24) to 2.13, marking an increase of 0.19.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.82. This value is below the healthy minimum of 3. It has increased from 1.68 (Mar 24) to 1.82, marking an increase of 0.14.
- For Enterprise Value (Cr.), as of Mar 25, the value is 14,417.14. It has increased from 12,280.37 (Mar 24) to 14,417.14, marking an increase of 2,136.77.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 11.04. This value exceeds the healthy maximum of 3. It has decreased from 12.06 (Mar 24) to 11.04, marking a decrease of 1.02.
- For EV / EBITDA (X), as of Mar 25, the value is 16.11. This value exceeds the healthy maximum of 15. It has decreased from 18.05 (Mar 24) to 16.11, marking a decrease of 1.94.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 7.34. This value exceeds the healthy maximum of 3. It has decreased from 8.61 (Mar 24) to 7.34, marking a decrease of 1.27.
- For Price / BV (X), as of Mar 25, the value is 3.00. This value is within the healthy range. It has decreased from 3.16 (Mar 24) to 3.00, marking a decrease of 0.16.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 7.34. This value exceeds the healthy maximum of 3. It has decreased from 8.61 (Mar 24) to 7.34, marking a decrease of 1.27.
- For EarningsYield, as of Mar 25, the value is 0.03. This value is below the healthy minimum of 5. It has increased from 0.02 (Mar 24) to 0.03, marking an increase of 0.01.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in SBFC Finance Ltd:
- Net Profit Margin: 26.43%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 27.44% (Industry Average ROCE: 15.8%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 10.82% (Industry Average ROE: 8.84%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 1.82
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 1.53
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 28.8 (Industry average Stock P/E: 51.34)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 1.65
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 26.43%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | 103, 1st Floor, C&B Square, Mumbai Maharashtra 400059 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Neeraj Swaroop | Chairperson & Independent Director |
| Mr. Aseem Dhru | Managing Director & CEO |
| Mr. Mahesh Dayani | Whole Time Director |
| Mr. Ravi Venkatraman | Independent Director |
| Mr. Koni Uttam Nayak | Independent Director |
| Ms. Surekha Marandi | Independent Director |
| Mr. Rajesh Mannalal Agrawal | Independent Director |
| Mr. John Mescall | Nominee Director |
| Mr. Jonathan Tadeusz Tatur | Nominee Director |
FAQ
What is the intrinsic value of SBFC Finance Ltd?
SBFC Finance Ltd's intrinsic value (as of 02 January 2026) is ₹85.60 which is 16.89% lower the current market price of ₹103.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹11,305 Cr. market cap, FY2025-2026 high/low of ₹123/79.2, reserves of ₹2,342 Cr, and liabilities of ₹9,822 Cr.
What is the Market Cap of SBFC Finance Ltd?
The Market Cap of SBFC Finance Ltd is 11,305 Cr..
What is the current Stock Price of SBFC Finance Ltd as on 02 January 2026?
The current stock price of SBFC Finance Ltd as on 02 January 2026 is ₹103.
What is the High / Low of SBFC Finance Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of SBFC Finance Ltd stocks is ₹123/79.2.
What is the Stock P/E of SBFC Finance Ltd?
The Stock P/E of SBFC Finance Ltd is 28.8.
What is the Book Value of SBFC Finance Ltd?
The Book Value of SBFC Finance Ltd is 31.4.
What is the Dividend Yield of SBFC Finance Ltd?
The Dividend Yield of SBFC Finance Ltd is 0.00 %.
What is the ROCE of SBFC Finance Ltd?
The ROCE of SBFC Finance Ltd is 11.6 %.
What is the ROE of SBFC Finance Ltd?
The ROE of SBFC Finance Ltd is 11.6 %.
What is the Face Value of SBFC Finance Ltd?
The Face Value of SBFC Finance Ltd is 10.0.