Share Price and Basic Stock Data
Last Updated: December 11, 2025, 3:50 pm
| PEG Ratio | 0.85 |
|---|
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, has demonstrated a commendable growth trajectory in its revenue. For the fiscal year ending March 2025, the company reported revenues of ₹1,305 Cr, a significant increase from ₹734 Cr in the previous year. This upward trend is not a one-off; quarterly data shows consistent growth, with revenues rising from ₹160 Cr in June 2022 to ₹246 Cr by September 2023. Such sustained growth indicates a robust business model and a strong demand for its financial products. The financing profit margin, which stood at 36% in March 2025, further underscores the company’s ability to manage its cost of funds effectively while still capitalizing on market opportunities. Overall, the revenue trends paint a picture of a company that is not only expanding but doing so efficiently, making it an attractive proposition for investors looking for growth in the financial space.
Profitability and Efficiency Metrics
When examining SBFC Finance’s profitability, several key metrics stand out. The company recorded a net profit of ₹367 Cr for the trailing twelve months, translating to an impressive net profit margin of 26.43% as of March 2025. This reflects a significant improvement from previous years, showcasing the company’s efforts to enhance operational efficiency. The interest coverage ratio at 2.13x indicates that SBFC is comfortably managing its interest obligations, which is vital for maintaining investor confidence. However, the return on equity (ROE) of 11.6% appears modest compared to industry peers, suggesting that while the company is profitable, there might be room for improvement in leveraging shareholder equity. Moreover, the financing margin has shown a steady increase, rising from 28% in March 2023 to 36% in March 2025, indicating a strong operational efficiency that could bode well for future profitability.
Balance Sheet Strength and Financial Ratios
SBFC Finance’s balance sheet reflects a solid foundation, characterized by a healthy reserve of ₹2,342 Cr as of September 2025. This reserve level, combined with total assets of ₹8,596 Cr, illustrates the firm’s capability to absorb shocks and fund future growth initiatives. The company’s debt-to-equity ratio stood at 1.65, which indicates a moderate level of leverage. While this is manageable, it also raises a cautionary flag, as high levels of debt can lead to increased financial risk, especially in a rising interest rate environment. The reported book value per share of ₹29.40 is a positive indicator, suggesting that the company’s intrinsic value is growing. Additionally, the interest coverage ratio of 2.13x provides assurance that SBFC can meet its interest obligations comfortably, further reinforcing the strength of its financial position.
Shareholding Pattern and Investor Confidence
The shareholding pattern of SBFC Finance Ltd shows a diverse mix of stakeholders, with promoters holding 52.98% of the equity as of September 2025, down from over 64% just a year prior. This gradual dilution may raise questions about promoter confidence, but it also paves the way for increased institutional participation, which can enhance liquidity and stability. Foreign institutional investors (FIIs) have increased their stake to 7.01%, while domestic institutional investors (DIIs) hold 18.21%, indicating a growing interest from institutional players. The public shareholding stands at 21.74%, reflecting a healthy distribution of shares. This diversification can be a positive signal for retail investors, as it suggests a broader base of support for the company’s stock. However, the declining promoter stake might warrant closer scrutiny, as it could impact governance and strategic direction.
Outlook, Risks, and Final Insight
Looking ahead, SBFC Finance Ltd is poised for continued growth, but several risks could temper expectations. The company’s reliance on debt financing, as indicated by its debt-to-equity ratio, could become a double-edged sword, particularly if interest rates rise or if there are any disruptions in the credit markets. Additionally, the increase in gross and net NPA percentages, which stood at 2.78% and 1.57% respectively by June 2025, raises concerns about asset quality and potential future write-offs. Investors should also consider the implications of a fluctuating economic environment on consumer credit demand. Despite these risks, SBFC’s strong revenue growth, improving profitability margins, and solid balance sheet provide a foundation for resilience. For investors, the key will be to monitor these factors closely, balancing the potential for growth against the inherent risks in the financial services sector.
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 | 12.1 Cr. | 1.21 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 9.34 Cr. | 0.93 | 9.18/0.85 | 27.5 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 444 Cr. | 136 | 269/126 | 80.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 15.6 Cr. | 17.0 | 34.4/15.0 | 11.6 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 38.6 Cr. | 85.9 | 166/74.8 | 20.7 | 238 | 1.16 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 28,790.16 Cr | 441.03 | 50.27 | 522.84 | 0.23% | 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: 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 - No data available for this post.
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 | 2.76 | 1018.94 | 69,999,999 | 2025-10-30 01:15:18 | 27.6% |
| Franklin India Small Cap Fund | 11,200,000 | 0.93 | 127.77 | N/A | N/A | N/A |
| Invesco India Smallcap Fund | 11,095,450 | 1.45 | 126.58 | N/A | N/A | N/A |
| Aditya Birla Sun Life Flexi Cap Fund | 8,500,000 | 0.4 | 96.97 | N/A | N/A | N/A |
| Aditya Birla Sun Life ELSS Tax Saver Fund | 8,422,121 | 0.61 | 96.08 | N/A | N/A | N/A |
| Aditya Birla Sun Life Multi-Cap Fund | 7,247,393 | 1.23 | 82.68 | N/A | N/A | N/A |
| Axis Small Cap Fund | 6,390,734 | 0.27 | 72.91 | N/A | N/A | N/A |
| HDFC Banking & Financial Services Fund | 4,800,000 | 1.26 | 54.76 | N/A | N/A | N/A |
| Invesco India Multicap Fund | 4,566,108 | 1.23 | 52.09 | N/A | N/A | N/A |
| Aditya Birla Sun Life Banking and Financial Services Fund | 4,508,249 | 1.43 | 51.43 | 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
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: 8.76%)
- 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: 29.4 (Industry average Stock P/E: 37.09)
- 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 11 December 2025) is 87.38 which is 16.78% lower the current market price of 105.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 11,529 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 11,529 Cr..
What is the current Stock Price of SBFC Finance Ltd as on 11 December 2025?
The current stock price of SBFC Finance Ltd as on 11 December 2025 is 105.
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 29.4.
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.