Shalibhadra Finance Ltd

Shalibhadra Fin. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Shalibhadra Finance Ltd

₹ 98.0 1.38%
01 Feb - close price
Company website BSE: 511754
About

Incorporated in 1992, Shalibhadra
Finance Ltd is in the business of
financing[1]

Key Points

Business Overview:[1][2]
SFL is an NBFC focusing on rural and semi-urban areas in Gujarat, Maharashtra & Madhya Pradesh. It has a network of over 42 branches where it offers wide range of small ticket asset financing and customized retail products such as financing New & Used 2 wheelers, Auto rickshaws cars & consumer durables. Company has an asset under management of about Rs. 130 crores and an active customer base of 1+ Lac

Website BSE
  • Market Cap ₹ 303 Cr.
  • Current Price ₹ 98.0
  • High / Low ₹ 174 / 91.0
  • Stock P/E 16.4
  • Book Value ₹ 52.8
  • Dividend Yield 0.41 %
  • ROCE 15.0 %
  • ROE 12.8 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Company has reduced debt.
  • Company has delivered good profit growth of 22.5% CAGR over last 5 years

Cons

  • Company has a low return on equity of 12.9% 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

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Quarterly Results

Figures in Rs. Crores

Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
6.55 7.13 7.85 7.34 7.71 8.18 9.52 8.96 8.23 9.85 9.45 9.47 9.49
Interest 1.74 1.94 1.74 1.65 1.43 1.52 1.90 1.68 1.53 1.10 0.98 0.99 0.99
2.01 2.18 2.91 2.34 2.25 2.35 3.16 2.74 2.10 2.82 2.85 2.53 2.37
Financing Profit 2.80 3.01 3.20 3.35 4.03 4.31 4.46 4.54 4.60 5.93 5.62 5.95 6.13
Financing Margin % 42.75% 42.22% 40.76% 45.64% 52.27% 52.69% 46.85% 50.67% 55.89% 60.20% 59.47% 62.83% 64.59%
0.01 0.00 0.00 0.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Depreciation 0.01 0.01 0.01 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.03 0.03 0.03
Profit before tax 2.80 3.00 3.19 3.36 4.01 4.29 4.44 4.52 4.58 5.91 5.59 5.92 6.10
Tax % 25.71% 25.33% 26.33% 25.89% 24.94% 26.34% 25.45% 24.78% 24.67% 20.30% 20.75% 22.80% 22.13%
2.08 2.24 2.35 2.49 3.01 3.16 3.31 3.40 3.45 4.71 4.43 4.57 4.75
EPS in Rs 1.04 0.99 0.94 0.99 1.08 1.13 1.18 1.21 1.21 1.52 1.43 1.48 1.54
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
11 12 13 16 19 22 24 21 22 28 33 36 38
Interest 3 3 4 5 7 8 9 9 7 7 7 5 4
3 3 4 5 5 5 7 8 7 9 10 10 11
Financing Profit 5 6 5 7 8 9 8 5 8 11 16 21 24
Financing Margin % 46% 47% 42% 42% 41% 41% 34% 23% 37% 41% 49% 57% 62%
0 0 0 0 0 0 0 0 0 0 0 0 0
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 5 6 5 6 8 9 8 5 8 11 16 21 24
Tax % 37% 35% 37% 34% 28% 28% 28% 30% 26% 26% 26% 22%
3 4 3 4 6 6 6 4 6 8 12 16 18
EPS in Rs 1.50 1.90 1.73 2.15 2.84 3.20 2.90 1.76 3.01 3.34 4.28 5.18 5.97
Dividend Payout % 17% 13% 14% 12% 11% 9% 0% 7% 7% 7% 7% 2%
Compounded Sales Growth
10 Years: 11%
5 Years: 9%
3 Years: 18%
TTM: 10%
Compounded Profit Growth
10 Years: 15%
5 Years: 22%
3 Years: 39%
TTM: 39%
Stock Price CAGR
10 Years: 23%
5 Years: 39%
3 Years: 34%
1 Year: -43%
Return on Equity
10 Years: 14%
5 Years: 12%
3 Years: 13%
Last Year: 13%

Balance Sheet

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 5 5 5 5 5 5 5 5 5 6 7 8 31
Reserves 10 14 16 20 26 32 37 40 53 72 90 147 132
Borrowing 21 25 29 43 60 71 76 62 57 55 58 37 40
5 6 4 4 6 7 5 4 3 3 3 4 4
Total Liabilities 41 50 55 73 96 115 123 112 117 136 158 195 207
1 1 1 2 2 2 2 2 2 3 3 3 4
CWIP 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 0 0 0 1 1 1 2 0 0 0 0 9 9
41 49 53 70 93 112 119 110 115 134 156 183 195
Total Assets 41 50 55 73 96 115 123 112 117 136 158 195 207

Cash Flows

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-2 -4 -3 -12 -15 -12 0 7 2 -5 3 -27
0 -0 -0 -2 -0 -1 -2 2 -1 -2 -2 -10
2 5 3 14 17 12 4 -14 1 11 9 24
Net Cash Flow 0 0 -0 1 2 -1 3 -4 2 4 10 -13

Ratios

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 21% 22% 17% 18% 20% 19% 15% 8% 12% 12% 14% 13%

Shareholding Pattern

Numbers in percentages

16 Recently
Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
55.35% 55.35% 55.35% 60.01% 60.01% 60.01% 60.01% 54.83% 55.36% 55.56% 56.24% 56.99%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1.16% 1.01% 0.82% 2.71% 2.47% 2.43%
44.64% 44.64% 44.66% 40.00% 40.01% 40.01% 38.83% 44.16% 43.83% 41.74% 41.30% 40.57%
No. of Shareholders 1,8921,9311,7971,7751,8431,8332,0702,0672,0174,7304,5874,365

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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