SBFC Finance Ltd

SBFC Finance Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

SBFC Finance Ltd

₹ 115 0.98%
10 Jun - close price
sbfc.com BSE: 543959 NSE: SBFC
About

Incorporated in 2008, SBFC Finance Limited is a systemically important, NBFC (NBFC-ND-SI) offering Secured MSME Loans and Loans against Gold[1]

Key Points

Leading MSME Company[1]
Among MSME-focused companies, SBFC Finance has one of the highest Assets Under Management (AUM) growth rates in the industry. The company has achieved a CAGR growth of 46% in AUM from FY19 to H1 FY25.

Website BSE NSE
  • Market Cap ₹ 12,467 Cr.
  • Current Price ₹ 115
  • High / Low ₹ 117 / 77.6
  • Stock P/E 36.1
  • Book Value ₹ 29.4
  • Dividend Yield 0.00 %
  • ROCE 11.5 %
  • ROE 11.6 %
  • Face Value ₹ 10.0
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Pros

  • Company has delivered good profit growth of 57.6% CAGR over last 5 years

Cons

  • Stock is trading at 3.90 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Promoter holding has decreased over last quarter: -1.42%
  • Company has a low return on equity of 10.9% 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)

Part of Nifty 500 BSE SmallCap BSE Allcap BSE Financial Services Nifty MidSmallcap 400

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
160 176 189 208 230 246 264 279 297 314 333 361
Interest 60 62 76 79 89 89 85 88 95 100 106 118
54 64 63 69 75 83 90 91 94 100 105 113
Financing Profit 46 50 51 60 66 74 89 100 109 114 122 130
Financing Margin % 29% 28% 27% 29% 29% 30% 34% 36% 37% 36% 37% 36%
0 1 5 1 0 0 0 1 0 0 0 1
Depreciation 3 3 3 3 3 3 3 4 4 4 5 5
Profit before tax 43 48 53 58 63 71 86 97 105 110 117 126
Tax % 25% 25% 25% 26% 25% 26% 25% 24% 25% 24% 25% 25%
32 36 39 43 47 53 64 73 79 84 88 94
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
Gross NPA % 2.57% 2.54% 2.37% 2.38% 2.43% 2.60% 2.69% 2.70% 2.74%
Net NPA % 1.58% 1.55% 1.33% 1.36% 1.36% 1.51% 1.63% 1.63% 1.51%
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Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
177 445 510 529 734 1,019 1,305
Interest 50 244 239 222 278 352 419
89 134 149 210 247 338 412
Financing Profit 37 67 123 97 209 329 474
Financing Margin % 21% 15% 24% 18% 28% 32% 36%
0 0 1 1 5 1 1
Depreciation 2 8 10 12 13 13 17
Profit before tax 35 59 114 87 201 316 459
Tax % 30% 39% 25% 26% 26% 25% 25%
24 36 85 65 150 237 345
EPS in Rs 0.36 0.46 1.03 0.77 1.67 2.21 3.18
Dividend Payout % 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 24%
3 Years: 35%
TTM: 28%
Compounded Profit Growth
10 Years: %
5 Years: 58%
3 Years: 75%
TTM: 46%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: 35%
Return on Equity
10 Years: %
5 Years: 10%
3 Years: 11%
Last Year: 12%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

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
71 140 258 288 280 289 141
Total Liabilities 1,793 4,208 4,231 4,515 5,747 7,063 8,596
270 294 301 299 296 300 308
CWIP 0 0 0 0 1 2 0
Investments 167 1,879 1,484 848 607 427 327
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

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-368 -383 -275 -822 -1,245 -1,155 -1,415
146 -1,863 375 652 206 158 176
395 2,291 -187 183 1,071 1,037 1,281
Net Cash Flow 173 45 -87 13 32 40 41

Ratios

Standalone Figures in Rs. Crores / View Consolidated

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

Shareholding Pattern

Numbers in percentages

4 Recently
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
64.05% 63.74% 60.66% 55.19% 55.05% 54.75% 53.33%
2.74% 2.23% 2.86% 4.72% 4.56% 4.92% 6.53%
12.42% 11.94% 13.53% 16.24% 16.26% 16.47% 17.67%
20.36% 21.88% 22.77% 23.70% 24.02% 23.78% 22.39%
0.45% 0.22% 0.17% 0.16% 0.11% 0.09% 0.08%
No. of Shareholders 1,19,1091,29,4701,35,7681,38,9911,63,5951,62,9081,53,744

* 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.

Click on the line-items to see the names of individual entities.

Documents

Announcements

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DRHP

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