Share Price and Basic Stock Data
Last Updated: October 20, 2025, 8:03 pm
| PEG Ratio | 0.96 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
SBFC Finance Ltd, operating in the Non-Banking Financial Company (NBFC) sector, reported a price of ₹109 and a market capitalization of ₹11,870 Cr. The company has demonstrated robust revenue growth, with revenue increasing from ₹529 Cr. in FY 2022 to ₹734 Cr. in FY 2023, and further rising to ₹1,019 Cr. in FY 2024. The quarterly revenue trajectory also highlights this upward trend, with the latest recorded revenue for Sep 2023 at ₹246 Cr., up from ₹230 Cr. in Jun 2023. This consistent revenue growth reflects the company’s expanding operations and market presence. Interest expenses have concurrently risen, standing at ₹89 Cr. in Jun 2023, which indicates increased borrowing activity to support growth. The financing profit margin has shown resilience, averaging around 29% in recent quarters, peaking at 37% in Jun 2024, suggesting effective management of interest rate spreads. This performance positions SBFC Finance favorably within the competitive landscape of the NBFC sector, where maintaining revenue growth is critical for sustaining market share.
Profitability and Efficiency Metrics
SBFC Finance Ltd’s profitability metrics are notable, with a reported net profit of ₹345 Cr. for FY 2025, reflecting a significant increase from ₹150 Cr. in FY 2023. The net profit margin has also improved, standing at 26.43% in FY 2025 compared to 20.43% in FY 2023, indicating enhanced operational efficiency. The earnings per share (EPS) rose to ₹3.21 in the same fiscal year, up from ₹1.71 in FY 2023, showcasing strong profitability growth on a per-share basis. Furthermore, the company’s return on equity (ROE) stood at 12% in FY 2025, up from 10% in FY 2023, which is a positive indicator of shareholder value creation. The interest coverage ratio (ICR) improved to 2.13x, suggesting that SBFC Finance is well-positioned to meet its interest obligations, although it remains slightly below the ideal benchmark of 2.5x typical in the sector. Overall, these metrics reflect a solid profitability profile, although the company must continue to manage its cost structure effectively to maintain this momentum.
Balance Sheet Strength and Financial Ratios
The balance sheet of SBFC Finance Ltd reveals a growing asset base, with total assets reported at ₹8,596 Cr. in FY 2025, up from ₹5,747 Cr. in FY 2023. Reserves have also strengthened significantly, rising to ₹2,105 Cr. in FY 2025 from ₹838 Cr. in FY 2023, indicating a healthy accumulation of retained earnings. However, total borrowings increased to ₹5,264 Cr. in FY 2025, up from ₹3,739 Cr. in FY 2023, resulting in a total debt-to-equity ratio of 1.65x. While this indicates a leveraged position, it remains manageable within the context of the NBFC sector. The current ratio stood at 1.53x, suggesting adequate short-term liquidity, although a ratio above 2 is often preferred. Additionally, the company has reported a return on capital employed (ROCE) of 27.44%, indicating efficient use of capital to generate profits. The overall financial ratios highlight a balanced approach to growth and risk management, critical for navigating the volatile financial landscape.
Shareholding Pattern and Investor Confidence
As of Jun 2025, SBFC Finance Ltd’s shareholding pattern reflects a diverse investor base, with promoters holding 53.19% of the shares, down from 64.05% in Sep 2023. This gradual decline in promoter shareholding may indicate a dilution of control, but it also opens avenues for increased institutional investment. Foreign institutional investors (FIIs) have increased their stake to 7.12%, up from 2.74% in Sep 2023, showcasing growing confidence from international investors. Domestic institutional investors (DIIs) also hold a significant portion at 16.99%, demonstrating a solid interest from local funds. The public shareholding accounts for 22.63%, which suggests a healthy distribution of shares among retail investors. The total number of shareholders has decreased to 142,155 as of Jun 2025 from a peak of 163,595 in Sep 2024, reflecting some volatility in investor sentiment. Overall, the changing dynamics in the shareholding pattern indicate a cautious yet optimistic outlook, with increasing institutional interest possibly signaling confidence in the company’s future growth prospects.
Outlook, Risks, and Final Insight
If margins sustain at current levels and the company continues to manage its costs effectively, SBFC Finance Ltd could enhance its profitability further. However, risks such as rising interest rates and potential regulatory changes in the NBFC sector could impact borrowing costs and profit margins. Additionally, the increasing trend in non-performing assets (NPAs), with gross NPA reported at 2.78% in Jun 2025, presents a challenge that the company must address to maintain asset quality. The need for effective risk management strategies becomes critical as the company navigates this competitive landscape. Furthermore, fluctuations in market sentiment could influence shareholding dynamics, particularly as promoter holdings decrease. Overall, while SBFC Finance Ltd shows strong fundamentals and growth potential, careful monitoring of external factors and internal efficiencies will be essential for sustaining its upward trajectory.
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 | 15.5 Cr. | 1.55 | 1.91/0.85 | 103 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 |
| Money Masters Leasing & Finance Ltd | 11.8 Cr. | 1.18 | 15.6/1.06 | 18.5 | 1.31 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 527 Cr. | 161 | 285/130 | 79.8 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 18.0 Cr. | 19.7 | 39.8/17.5 | 13.5 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 44.6 Cr. | 99.1 | 181/90.0 | 23.8 | 238 | 1.01 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 30,718.09 Cr | 488.62 | 102.79 | 494.63 | 0.21% | 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: October 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 | 1,396 |
| Interest | 50 | 244 | 239 | 222 | 278 | 352 | 421 | 450 |
| Expenses | 89 | 134 | 149 | 210 | 247 | 338 | 409 | 440 |
| Financing Profit | 37 | 67 | 123 | 97 | 209 | 329 | 475 | 506 |
| 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 | 18 |
| Profit before tax | 35 | 59 | 114 | 87 | 201 | 316 | 459 | 489 |
| Tax % | 30% | 39% | 25% | 26% | 26% | 25% | 25% | |
| Net Profit | 24 | 36 | 85 | 65 | 150 | 237 | 345 | 367 |
| EPS in Rs | 0.36 | 0.46 | 1.03 | 0.77 | 1.67 | 2.21 | 3.18 | 3.39 |
| 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: July 25, 2025, 1:50 pm
| Month | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|
| Equity Capital | 676 | 742 | 797 | 807 | 890 | 1,072 | 1,085 |
| Reserves | 204 | 270 | 408 | 480 | 838 | 1,706 | 2,105 |
| Borrowing | 842 | 3,056 | 2,768 | 2,940 | 3,739 | 3,996 | 5,264 |
| Other Liabilities | 71 | 140 | 258 | 288 | 280 | 289 | 141 |
| Total Liabilities | 1,793 | 4,208 | 4,231 | 4,515 | 5,747 | 7,063 | 8,596 |
| Fixed Assets | 270 | 294 | 301 | 299 | 296 | 300 | 308 |
| CWIP | 0 | 0 | 0 | 0 | 1 | 2 | 1 |
| Investments | 167 | 1,879 | 1,484 | 848 | 607 | 427 | 327 |
| Other Assets | 1,356 | 2,035 | 2,446 | 3,368 | 4,843 | 6,334 | 7,961 |
| Total Assets | 1,793 | 4,208 | 4,231 | 4,515 | 5,747 | 7,063 | 8,596 |
Below is a detailed analysis of the balance sheet data for SBFC Finance Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 1,085.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,072.00 Cr. (Mar 2024) to 1,085.00 Cr., marking an increase of 13.00 Cr..
- For Reserves, as of Mar 2025, the value is 2,105.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,706.00 Cr. (Mar 2024) to 2,105.00 Cr., marking an increase of 399.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 141.00 Cr.. The value appears to be improving (decreasing). It has decreased from 289.00 Cr. (Mar 2024) to 141.00 Cr., marking a decrease of 148.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 8,596.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 7,063.00 Cr. (Mar 2024) to 8,596.00 Cr., marking an increase of 1,533.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 308.00 Cr.. The value appears strong and on an upward trend. It has increased from 300.00 Cr. (Mar 2024) to 308.00 Cr., marking an increase of 8.00 Cr..
- For CWIP, as of Mar 2025, the value is 1.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2.00 Cr. (Mar 2024) to 1.00 Cr., marking a decrease of 1.00 Cr..
- For Investments, as of Mar 2025, the value is 327.00 Cr.. The value appears to be declining and may need further review. It has decreased from 427.00 Cr. (Mar 2024) to 327.00 Cr., marking a decrease of 100.00 Cr..
- For Other Assets, as of Mar 2025, the value is 7,961.00 Cr.. The value appears strong and on an upward trend. It has increased from 6,334.00 Cr. (Mar 2024) to 7,961.00 Cr., marking an increase of 1,627.00 Cr..
- For Total Assets, as of Mar 2025, the value is 8,596.00 Cr.. The value appears strong and on an upward trend. It has increased from 7,063.00 Cr. (Mar 2024) to 8,596.00 Cr., marking an increase of 1,533.00 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 | 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 | 2025-10-21 07:24:27 | 0% |
| HDFC Banking and Financial Services Fund | 5,263,158 | 1.35 | 42.61 | 5,263,158 | 2025-10-21 07:24:27 | 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 | 2025-10-21 07:24:27 | -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 | 2025-10-21 07:24:27 | -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: 33 (Industry average Stock P/E: 102.79)
- 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 |
FAQ
What is the intrinsic value of SBFC Finance Ltd?
SBFC Finance Ltd's intrinsic value (as of 20 October 2025) is 91.84 which is 17.26% lower the current market price of 111.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 12,138 Cr. market cap, FY2025-2026 high/low of 120/77.6, reserves of ₹2,105 Cr, and liabilities of 8,596 Cr.
What is the Market Cap of SBFC Finance Ltd?
The Market Cap of SBFC Finance Ltd is 12,138 Cr..
What is the current Stock Price of SBFC Finance Ltd as on 20 October 2025?
The current stock price of SBFC Finance Ltd as on 20 October 2025 is 111.
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 120/77.6.
What is the Stock P/E of SBFC Finance Ltd?
The Stock P/E of SBFC Finance Ltd is 33.0.
What is the Book Value of SBFC Finance Ltd?
The Book Value of SBFC Finance Ltd is 29.4.
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.