SBFC Finance Ltd
Incorporated in 2008, SBFC Finance Limited is a systemically important, NBFC (NBFC-ND-SI) offering Secured MSME Loans and Loans against Gold[1]
- Market Cap ₹ 9,825 Cr.
- Current Price ₹ 91.5
- High / Low ₹ 98.0 / 72.2
- Stock P/E 41.4
- Book Value ₹ 25.9
- Dividend Yield 0.00 %
- ROCE 10.9 %
- ROE 10.5 %
- Face Value ₹ 10.0
Pros
- Company is expected to give good quarter
- Company has delivered good profit growth of 57.5% CAGR over last 5 years
Cons
- Stock is trading at 3.62 times its book value
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- Promoter holding has decreased over last quarter: -3.07%
- Company has a low return on equity of 9.03% over last 3 years.
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: Finance Industry: Finance & Investments
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|
Revenue | 177 | 445 | 510 | 529 | 734 | 1,019 |
Interest | 50 | 244 | 239 | 222 | 278 | 351 |
89 | 134 | 149 | 210 | 247 | 340 | |
Financing Profit | 37 | 67 | 123 | 97 | 209 | 328 |
Financing Margin % | 21% | 15% | 24% | 18% | 28% | 32% |
0 | 0 | 1 | 1 | 5 | 1 | |
Depreciation | 2 | 8 | 10 | 12 | 13 | 13 |
Profit before tax | 35 | 59 | 114 | 87 | 201 | 316 |
Tax % | 30% | 39% | 25% | 26% | 26% | 25% |
24 | 36 | 85 | 65 | 150 | 237 | |
EPS in Rs | 0.36 | 0.46 | 1.03 | 0.77 | 1.67 | 2.21 |
Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | 42% |
3 Years: | 26% |
TTM: | 39% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | 58% |
3 Years: | 41% |
TTM: | 58% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | % |
1 Year: | % |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | 8% |
3 Years: | 9% |
Last Year: | 11% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|
Equity Capital | 676 | 742 | 797 | 807 | 890 | 1,072 |
Reserves | 204 | 270 | 408 | 480 | 838 | 1,706 |
842 | 3,056 | 2,768 | 2,940 | 3,739 | 3,996 | |
71 | 140 | 258 | 288 | 280 | 289 | |
Total Liabilities | 1,793 | 4,208 | 4,231 | 4,515 | 5,747 | 7,063 |
270 | 294 | 301 | 299 | 296 | 301 | |
CWIP | 0 | 0 | 0 | 0 | 1 | 0 |
Investments | 167 | 1,879 | 1,484 | 848 | 607 | 427 |
1,356 | 2,035 | 2,446 | 3,368 | 4,843 | 6,334 | |
Total Assets | 1,793 | 4,208 | 4,231 | 4,515 | 5,747 | 7,063 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|
-368 | -383 | -275 | -822 | -1,245 | ||
146 | -1,863 | 375 | 652 | 206 | ||
395 | 2,291 | -187 | 183 | 1,071 | ||
Net Cash Flow | 173 | 45 | -87 | 13 | 32 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|
ROE % | 4% | 8% | 5% | 10% | 11% |
Documents
Announcements
- Disclosure Pursuant To Regulation 8(2) Of SEBI (Prohibition Of Insider Trading) Regulations, 2015 1d
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Announcement under Regulation 30 (LODR)-Investor Presentation
1d - Investors presentation for the quarter and year ended 31 March 2024.
- Board Meeting Outcome for Please Find Attached The Outcome Of The Board Meeting Held On 27Th April, 2024 1d
- Results For Quarter And Year Ended 31 March 2024 1d
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
23 Apr - The Company will hold an Earnings Conference Call on Monday, April 29, 2024 at 10:00 AM (IST) to discuss with the investors, the financial and …
Concalls
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Apr 2024TranscriptNotesPPT
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Feb 2024Transcript PPT
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Nov 2023Transcript PPT
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Sep 2023TranscriptPPT
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Sep 2023Transcript PPT
Leading MSME Company[1] Among MSME companies, SBFC has one of the highest assets under management (“AUM”) growth, and has grown at a CAGR of 44% from FY19 to FY23, with disbursements growing at a CAGR of 40% in this period