Share Price and Basic Stock Data
Last Updated: November 26, 2025, 6:49 pm
| PEG Ratio | 0.84 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
SBFC Finance Ltd, operating in the Non-Banking Financial Company (NBFC) sector, reported a current price of ₹109 and a market capitalization of ₹11,916 Cr. The company has shown a consistent upward trajectory in revenue, which rose from ₹529 Cr in FY 2022 to ₹734 Cr in FY 2023, and is projected to reach ₹1,305 Cr by FY 2025. Quarterly revenue figures also reflect this growth, with revenues increasing from ₹160 Cr in June 2022 to ₹230 Cr in June 2023, and projected to continue growing to ₹388 Cr by June 2025. This consistent revenue growth is indicative of SBFC’s expanding market presence and operational efficiencies. The financing profit margin has improved from 29% in June 2022 to 36% by March 2025, highlighting the company’s ability to enhance profitability through its financing operations. However, the company’s operating profit margin (OPM) is not available, which leaves a gap in assessing operational efficiency relative to peers.
Profitability and Efficiency Metrics
SBFC Finance Ltd’s profitability metrics reflect robust performance, with a reported net profit of ₹393 Cr and a net profit margin of 26.43% for FY 2025. The company recorded a profit before tax of ₹459 Cr for the same period, indicating strong operational leverage. The return on equity (ROE) stood at 12% for FY 2025, an improvement from 10% in FY 2023, showcasing effective utilization of shareholder funds. Additionally, the interest coverage ratio (ICR) reported at 2.13x indicates sufficient earnings to cover interest expenses, which is favorable compared to typical sector benchmarks. However, the company has faced challenges with non-performing assets (NPAs), with gross NPAs reported at 2.74% and net NPAs at 1.51% by June 2025. This trend, if not managed effectively, could impact future profitability and investor confidence.
Balance Sheet Strength and Financial Ratios
The balance sheet of SBFC Finance Ltd demonstrates solid financial health, evidenced by a total debt to equity ratio of 1.65x, suggesting a moderate leverage level. The book value per share increased from ₹15.95 in FY 2022 to ₹29.40 in FY 2025, indicating a strengthening equity base. The company has not reported any reserves or borrowings, which may suggest a conservative capital structure and less reliance on external financing. However, the absence of reported reserves could limit the company’s ability to absorb future losses or invest in growth opportunities. The price-to-book value (P/BV) ratio stands at 3.00x, which is relatively high, indicating that the stock is valued at a premium compared to its book value, potentially reflecting investor optimism. The return on capital employed (ROCE) reported at 27.44% for FY 2025 highlights efficient capital management, although the absence of operational profit margin data limits a comprehensive assessment.
Shareholding Pattern and Investor Confidence
As of September 2023, SBFC Finance Ltd’s shareholding pattern indicates a strong promoter holding of 52.98%, which has decreased from 64.05% in September 2023, suggesting a gradual dilution of control. Foreign institutional investors (FIIs) have increased their stake from 2.74% in September 2023 to 7.01% by September 2025, reflecting growing confidence from international investors. Domestic institutional investors (DIIs) have also shown increased participation, rising from 12.42% to 18.21% over the same period. The public holding has stabilized around 21.74%. The total number of shareholders increased from 1,19,109 in September 2023 to 1,42,669, indicating growing retail interest. This broadening of the shareholder base is crucial for enhancing liquidity and market perception, although the declining promoter stake may raise concerns regarding governance and strategic direction.
Outlook, Risks, and Final Insight
Looking ahead, SBFC Finance Ltd faces both opportunities and challenges. The company’s strong revenue growth and profitability metrics present a positive outlook for continued expansion in the NBFC sector. However, the increasing trend in NPAs could pose significant risks to profitability and asset quality, necessitating stringent risk management practices. Additionally, the high P/BV ratio suggests that the market has high expectations, which could lead to volatility if the company fails to meet these expectations. The gradual dilution of promoter ownership might also raise concerns about control and strategic decision-making. Overall, SBFC’s focus on maintaining profitability while managing asset quality will be critical in navigating the competitive landscape of the NBFC sector. If the company can effectively address these risks, it may further enhance its market position and shareholder value.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of SBFC Finance Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 12.7 Cr. | 1.27 | 1.91/0.94 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 9.64 Cr. | 0.96 | 10.8/0.95 | 28.4 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 440 Cr. | 135 | 269/130 | 80.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 14.4 Cr. | 15.7 | 37.9/15.0 | 10.8 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 39.2 Cr. | 87.0 | 180/79.1 | 20.9 | 238 | 1.15 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 29,101.75 Cr | 466.93 | 54.19 | 522.84 | 0.22% | 15.80% | 8.84% | 8.50 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 160 | 176 | 189 | 208 | 230 | 246 | 264 | 279 | 297 | 314 | 333 | 361 | 388 |
| Interest | 60 | 62 | 76 | 79 | 89 | 89 | 85 | 88 | 95 | 100 | 106 | 118 | 125 |
| Expenses | 54 | 64 | 63 | 69 | 75 | 83 | 90 | 91 | 94 | 100 | 105 | 113 | 123 |
| Financing Profit | 46 | 50 | 51 | 60 | 66 | 74 | 89 | 100 | 109 | 114 | 122 | 130 | 141 |
| Financing Margin % | 29% | 28% | 27% | 29% | 29% | 30% | 34% | 36% | 37% | 36% | 37% | 36% | 36% |
| Other Income | 0 | 1 | 5 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 0 |
| Depreciation | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 5 | 5 | 5 |
| Profit before tax | 43 | 48 | 53 | 58 | 63 | 71 | 86 | 97 | 105 | 110 | 117 | 126 | 136 |
| Tax % | 25% | 25% | 25% | 26% | 25% | 26% | 25% | 24% | 25% | 24% | 25% | 25% | 26% |
| Net Profit | 32 | 36 | 39 | 43 | 47 | 53 | 64 | 73 | 79 | 84 | 88 | 94 | 101 |
| EPS in Rs | 0.36 | 0.40 | 0.44 | 0.48 | 0.51 | 0.49 | 0.60 | 0.68 | 0.73 | 0.78 | 0.81 | 0.87 | 0.93 |
| Gross NPA % | 2.57% | 2.54% | 2.37% | 2.38% | 2.43% | 2.60% | 2.69% | 2.70% | 2.74% | 2.78% | |||
| Net NPA % | 1.58% | 1.55% | 1.33% | 1.36% | 1.36% | 1.51% | 1.63% | 1.63% | 1.51% | 1.57% |
Last Updated: August 1, 2025, 7:20 am
Below is a detailed analysis of the quarterly data for SBFC Finance Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 125.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 118.00 Cr. (Mar 2025) to 125.00 Cr., marking an increase of 7.00 Cr..
- For Expenses, as of Jun 2025, the value is 123.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 113.00 Cr. (Mar 2025) to 123.00 Cr., marking an increase of 10.00 Cr..
- For Other Income, as of Jun 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 Depreciation, as of Jun 2025, the value is 5.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 5.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 136.00 Cr.. The value appears strong and on an upward trend. It has increased from 126.00 Cr. (Mar 2025) to 136.00 Cr., marking an increase of 10.00 Cr..
- For Tax %, as of Jun 2025, the value is 26.00%. The value appears to be increasing, which may not be favorable. It has increased from 25.00% (Mar 2025) to 26.00%, marking an increase of 1.00%.
- For Net Profit, as of Jun 2025, the value is 101.00 Cr.. The value appears strong and on an upward trend. It has increased from 94.00 Cr. (Mar 2025) to 101.00 Cr., marking an increase of 7.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 0.93. The value appears strong and on an upward trend. It has increased from 0.87 (Mar 2025) to 0.93, marking an increase of 0.06.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: November 15, 2025, 3:54 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
No data available for the Balance Sheet data table.
Cash Flow
| Month | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|
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 | 69,999,999 | 2.53 | 629.65 | 69,999,999 | 2025-04-22 14:12:24 | 0% |
| ICICI Prudential Banking and Financial Services | 5,263,157 | 0.64 | 46.95 | 5,263,157 | 2025-11-27 17:00:30 | 0% |
| HDFC Banking and Financial Services Fund | 5,263,158 | 1.35 | 42.61 | 5,263,158 | 2025-11-27 17:00:30 | 0% |
| Aditya Birla Sun Life Banking And Financial Services Fund | 4,508,249 | 1.31 | 40.55 | 4,508,249 | 2025-04-22 15:56:51 | 0% |
| HDFC Banking and Financial Services Fund | 3,333,200 | 0.95 | 29.98 | 5,263,158 | 2025-11-27 17:00:30 | -36.67% |
| SBI Banking & Financial Services Fund | 3,033,160 | 0.55 | 27.28 | 3,033,160 | 2025-04-22 15:56:51 | 0% |
| SBI Retirement Benefit Fund - Aggressive Plan | 2,728,420 | 1.15 | 24.25 | 2,728,420 | 2025-04-22 15:56:51 | 0% |
| Tata Banking and Financial Services Fund | 2,356,376 | 1.09 | 21.2 | 2,356,376 | 2025-04-22 15:56:51 | 0% |
| ICICI Prudential Banking and Financial Services | 2,198,242 | 0.27 | 19.77 | 5,263,157 | 2025-11-27 17:00:30 | -58.23% |
| Franklin India Smaller Companies Fund | 1,758,380 | 0.13 | 15.82 | 1,758,380 | 2025-04-22 15:56:51 | 0% |
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
Unable to fetch valid data for stock valuation.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: 30.4 (Industry average Stock P/E: 54.19)
- 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 | companysecretary@sbfc.com http://www.sbfc.com |
| 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 |