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SBFC Finance Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹83.30Overvalued by 12.22%vs CMP ₹94.90

P/E (23.3) × ROE (13.0%) × BV (₹33.70) × DY (2.00%)

₹61.67Overvalued by 35.02%vs CMP ₹94.90
MoS: -53.9% (Negative)Confidence: 54/100 (Moderate)Models: 1 Under, 1 Fair, 6 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹115.1024%Under (+21.3%)
Graham NumberEarnings₹54.2417%Over (-42.8%)
Earnings PowerEarnings₹18.1112%Over (-80.9%)
DCFCash Flow₹93.5412%Fair (-1.4%)
Net Asset ValueAssets₹31.038%Over (-67.3%)
EV/EBITDAEnterprise₹1.5410%Over (-98.4%)
Earnings YieldEarnings₹38.808%Over (-59.1%)
ROCE CapitalReturns₹58.4810%Over (-38.4%)
Consensus (8 models)₹61.67100%Overvalued
Key Drivers: EPS CAGR 38.2% lifts DCF — verify sustainability. | Wide model spread (₹2–₹115) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 38.2%

*Investments are subject to market risks

Analyst Summary

SBFC Finance Ltd operates in the Non-Banking Financial Company (NBFC) segment, NSE: SBFC | BSE: 543959, current market price is ₹94.90, market cap is 10,504 Cr.. At a glance, stock P/E is 23.3, ROE is 13.0 %, ROCE is 11.8 %, book value is 33.7, dividend yield is 0.00 %. The latest intrinsic value estimate is ₹61.67, around 35.0% below the current price, so expectations may already be running ahead of this modelled fair value. On operating trend, latest reported sales are about ₹1,305 Cr versus the prior period change of 28.1%, while latest net profit is about ₹345 Cr with a prior-period change of 45.6%. The 52-week range shown on this page is 123/79.6, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisSBFC Finance Ltd. is a Public Limited Listed company incorporated on 25/01/2008 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is U671…

This summary is generated from the stock page data available for SBFC Finance Ltd: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

63
SBFC Finance Ltd scores 63/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health59/100 · Moderate
ROCE 11.8% AverageROE 13.0% GoodD/E 2.28 High debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money75/100 · Strong
FII holding up 0.35% (6mo) Slight increaseDII holding up 1.86% MF buyingPromoter holding at 52.8% Stable
Earnings Quality50/100 · Moderate
Quarterly Momentum70/100 · Strong
Profit (4Q): +30% YoY Strong
Industry Rank75/100 · Strong
P/E 23.3 vs industry 117.3 Cheaper than peersROCE 11.8% vs industry 15.8% AverageROE 13.0% vs industry 8.9% Above peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: April 26, 2026, 12:58 am

Market Cap 10,504 Cr.
Current Price 94.9
Intrinsic Value₹61.67
High / Low 123/79.6
Stock P/E23.3
Book Value 33.7
Dividend Yield0.00 %
ROCE11.8 %
ROE13.0 %
Face Value 10.0
PEG Ratio0.61

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for SBFC Finance Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
SBFC Finance Ltd 10,504 Cr. 94.9 123/79.623.3 33.70.00 %11.8 %13.0 % 10.0
Bengal & Assam Company Ltd 6,922 Cr. 6,070 9,200/5,3128.14 8,9540.82 %4.22 %7.64 % 10.0
Five-Star Business Finance Ltd 14,560 Cr. 493 828/33813.1 2310.41 %16.3 %18.6 % 1.00
Fedbank Financial Services Ltd 5,588 Cr. 149 178/83.517.8 72.40.00 %9.82 %9.38 % 10.0
Dhenu Buildcon Infra Ltd 5,477 Cr. 9.23 9.94/5.094,149 0.010.00 %0.08 %14.3 % 1.00
Industry Average25,141.65 Cr391.47117.33513.370.24%15.80%8.85%8.50

All Competitor Stocks of SBFC Finance Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue189208230246264279297314333361388411426
Interest 76798989858895100106118125129136
Expenses 63697583909194100105113123131127
Financing Profit5160667489100109114122130141151163
Financing Margin %27%29%29%30%34%36%37%36%37%36%36%37%38%
Other Income 5100010001000
Depreciation 3333344455555
Profit before tax 535863718697105110117126136146158
Tax % 25%26%25%26%25%24%25%24%25%25%26%25%25%
Net Profit 39434753647379848894101109118
EPS in Rs 0.440.480.510.490.600.680.730.780.810.870.931.001.08
Gross NPA %2.57%2.54%2.37%2.38%2.43%2.60%2.69%2.70%2.74%2.78%2.77%2.71%
Net NPA %1.58%1.55%1.33%1.36%1.36%1.51%1.63%1.63%1.51%1.57%1.51%1.48%

Last Updated: March 3, 2026, 12:11 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 26, 2026, 10:05 pm

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue1774455105297341,0191,3051,585
Interest 50244239222278352421508
Expenses 89134149210247338409494
Financing Profit376712397209329475584
Financing Margin %21%15%24%18%28%32%36%37%
Other Income 00115101
Depreciation 28101213131720
Profit before tax 355911487201316459565
Tax % 30%39%25%26%26%25%25%
Net Profit 24368565150237345422
EPS in Rs 0.360.461.030.771.672.213.183.88
Dividend Payout % 0%0%0%0%0%0%0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2019-20202020-20212021-20222022-20232023-20242024-2025
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

MonthMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 6767427978078901,0721,0851,092
Reserves 2042704084808381,7062,1052,342
Borrowing8423,0562,7682,9403,7393,9965,2646,176
Other Liabilities 71140258288280289141212
Total Liabilities 1,7934,2084,2314,5155,7477,0638,5969,822
Fixed Assets 270294301299296300308309
CWIP 00001210
Investments 1671,8791,484848607427327357
Other Assets 1,3562,0352,4463,3684,8436,3347,9619,156
Total Assets 1,7934,2084,2314,5155,7477,0638,5969,822

Reserves and Borrowings Chart

Cash Flow

MonthMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity + -368-383-275-822-1,245-1,155-1,415-1,893
Cash from Investing Activity + 146-1,863375652206158176131
Cash from Financing Activity + 3952,291-1871831,0711,0371,2811,977
Net Cash Flow 17345-8713324041216
Free Cash Flow -376-389-290-831-1,253-1,167-1,427-1,907
CFO/OP -421%-104%-64%-244%-243%-156%-144%-149%

Free Cash Flow

MonthMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow-753.00131.00147.00208.00244.00335.00404.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE % 4%8%5%10%11%12%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 64.05%63.74%60.66%55.19%55.05%54.75%53.33%53.19%52.98%52.82%
FIIs 2.74%2.23%2.86%4.72%4.56%4.92%6.53%7.12%7.01%6.88%
DIIs 12.42%11.94%13.53%16.24%16.26%16.47%17.67%16.99%18.21%19.53%
Public 20.36%21.88%22.77%23.70%24.02%23.78%22.39%22.63%21.74%20.71%
Others 0.45%0.22%0.17%0.16%0.11%0.09%0.08%0.07%0.06%0.06%
No. of Shareholders 1,19,1091,29,4701,35,7681,38,9911,63,5951,62,9081,53,7441,42,1551,42,6691,46,556

Shareholding Pattern Chart

No. of Shareholders

SBFC Finance Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
SBI Small Cap Fund 89,318,180 2.38 831.4669,999,9992025-10-30 01:15:1827.6%
Aditya Birla Sun Life Flexi Cap Fund 16,760,368 0.62 156.028,500,0002026-02-23 01:40:2797.18%
Invesco India Smallcap Fund 11,095,450 1.06 103.29N/AN/AN/A
Aditya Birla Sun Life ELSS Tax Saver Fund 9,922,121 0.62 92.378,422,1212026-02-23 01:40:2717.81%
Franklin India Small Cap Fund 7,568,492 0.54 70.469,946,4512026-02-23 01:40:27-23.91%
Aditya Birla Sun Life Multi-Cap Fund 7,000,000 0.99 65.167,247,3932026-03-11 22:36:21-3.41%
Axis Small Cap Fund 6,390,734 0.23 59.49N/AN/AN/A
HDFC Banking & Financial Services Fund 5,000,000 1.03 46.554,800,0002026-02-23 01:40:274.17%
Invesco India Multicap Fund 4,566,108 1.06 42.51N/AN/AN/A
Aditya Birla Sun Life MNC Fund 4,077,354 1.1 37.963,869,0532026-03-12 01:04:475.38%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22
FaceValue 10.0010.0010.0010.00
Basic EPS (Rs.) 3.212.351.710.81
Diluted EPS (Rs.) 3.152.301.620.79
Cash EPS (Rs.) 3.342.341.830.94
Book Value[Excl.RevalReserv]/Share (Rs.) 29.4025.9219.4215.95
Book Value[Incl.RevalReserv]/Share (Rs.) 29.4025.9219.4215.95
Revenue From Operations / Share (Rs.) 12.049.508.246.56
PBDIT / Share (Rs.) 8.246.345.513.96
PBIT / Share (Rs.) 8.096.225.373.81
PBT / Share (Rs.) 4.232.952.261.07
Net Profit / Share (Rs.) 3.182.211.680.79
NP After MI And SOA / Share (Rs.) 3.182.211.680.79
PBDIT Margin (%) 68.5066.7766.9360.31
PBIT Margin (%) 67.2165.4565.2058.08
PBT Margin (%) 35.1231.0327.4716.38
Net Profit Margin (%) 26.4323.2720.4312.19
NP After MI And SOA Margin (%) 26.4323.2720.4312.19
Return on Networth / Equity (%) 10.828.538.665.01
Return on Capital Employeed (%) 27.4420.9026.7022.62
Return On Assets (%) 4.013.352.601.42
Long Term Debt / Equity (X) 0.000.140.020.03
Total Debt / Equity (X) 1.651.442.162.28
Asset Turnover Ratio (%) 0.160.150.140.00
Current Ratio (X) 1.531.741.371.32
Quick Ratio (X) 1.531.741.371.32
Interest Coverage Ratio (X) 2.131.941.771.45
Interest Coverage Ratio (Post Tax) (X) 1.821.681.541.29
Enterprise Value (Cr.) 14417.1412280.370.000.00
EV / Net Operating Revenue (X) 11.0412.060.000.00
EV / EBITDA (X) 16.1118.050.000.00
MarketCap / Net Operating Revenue (X) 7.348.610.000.00
Price / BV (X) 3.003.160.000.00
Price / Net Operating Revenue (X) 7.348.610.000.00
EarningsYield 0.030.020.000.00

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

SBFC Finance Ltd. is a Public Limited Listed company incorporated on 25/01/2008 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is U67190MH2008PLC178270 and registration number is 178270. Currently Company is involved in the business activities of Other credit granting. Company's Total Operating Revenue is Rs. 1678.82 Cr. and Equity Capital is Rs. 1105.70 Cr. for the Year ended 31/03/2026.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)103, 1st Floor, C&B Square, Mumbai Maharashtra 400059Contact not found
Management
NamePosition Held
Mr. Neeraj SwaroopChairperson & Independent Director
Mr. Aseem DhruManaging Director & CEO
Mr. Mahesh DayaniWhole Time Director
Mr. Ravi VenkatramanIndependent Director
Mr. Koni Uttam NayakIndependent Director
Ms. Surekha MarandiIndependent Director
Mr. Rajesh Mannalal AgrawalIndependent Director
Mr. John MescallNominee Director
Mr. Jonathan Tadeusz TaturNominee Director

FAQ

What is the intrinsic value of SBFC Finance Ltd and is it undervalued?

As of 28 April 2026, SBFC Finance Ltd's intrinsic value is ₹61.67, which is 35.02% lower than the current market price of ₹94.90, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (13.0 %), book value (₹33.7), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of SBFC Finance Ltd?

SBFC Finance Ltd is trading at ₹94.90 as of 28 April 2026, with a FY2026-2027 high of ₹123 and low of ₹79.6. The stock is currently in the middle of its 52-week range. Market cap stands at ₹10,504 Cr..

How does SBFC Finance Ltd's P/E ratio compare to its industry?

SBFC Finance Ltd has a P/E ratio of 23.3, which is below the industry average of 117.33. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is SBFC Finance Ltd financially healthy?

Key indicators for SBFC Finance Ltd: ROCE of 11.8 % is moderate. Dividend yield is 0.00 %.

Is SBFC Finance Ltd profitable and how is the profit trend?

SBFC Finance Ltd reported a net profit of ₹345 Cr in Mar 2025 on revenue of ₹1,305 Cr. Compared to ₹65 Cr in Mar 2022, the net profit shows an improving trend.

Does SBFC Finance Ltd pay dividends?

SBFC Finance Ltd has a dividend yield of 0.00 % at the current price of ₹94.90. The company is currently not paying meaningful dividends.

Last Updated: April 26, 2026, 12:58 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 543959 | NSE: SBFC
Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in SBFC Finance Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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