SBFC Finance Ltd

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

SBFC Finance Ltd

₹ 95.0 1.57%
06 May - 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 of 33% in AUM from FY18 to Q3FY26, growing from Rs. 778 Crs in 2018 to Rs. 10,478 Crs by December 2025.

Website BSE NSE
  • Market Cap ₹ 10,494 Cr.
  • Current Price ₹ 95.0
  • High / Low ₹ 123 / 79.6
  • Stock P/E 23.3
  • Book Value ₹ 33.7
  • Dividend Yield 0.00 %
  • ROCE 11.8 %
  • ROE 13.0 %
  • Face Value ₹ 10.0
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Pros

  • Company has delivered good profit growth of 39.6% CAGR over last 5 years

Cons

  • Stock is trading at 2.82 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Promoter holding has decreased over last quarter: -0.47%
  • Company has a low return on equity of 11.9% 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 Financial Services Nifty MidSmallcap 400 Nifty Smallcap 250 Nifty 500 Multicap 50:25:25

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
208 230 246 264 279 297 314 333 361 388 411 426 454
Interest 79 89 89 85 88 95 100 106 118 125 129 136 147
69 75 83 90 91 94 100 105 113 123 131 127 138
Financing Profit 60 66 74 89 100 109 114 122 130 141 151 163 169
Financing Margin % 29% 29% 30% 34% 36% 37% 36% 37% 36% 36% 37% 38% 37%
1 0 0 0 1 0 0 0 1 0 0 0 0
Depreciation 3 3 3 3 4 4 4 5 5 5 5 5 5
Profit before tax 58 63 71 86 97 105 110 117 126 136 146 158 164
Tax % 26% 25% 26% 25% 24% 25% 24% 25% 25% 26% 25% 25% 25%
43 47 53 64 73 79 84 88 94 101 109 118 123
EPS in Rs 0.48 0.51 0.49 0.60 0.68 0.73 0.78 0.81 0.87 0.93 1.00 1.08 1.11
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%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
177 445 510 529 734 1,019 1,305 1,679
Interest 50 244 239 222 278 352 421 537
89 134 149 210 247 338 409 518
Financing Profit 37 67 123 97 209 329 475 623
Financing Margin % 21% 15% 24% 18% 28% 32% 36% 37%
0 0 1 1 5 1 0 1
Depreciation 2 8 10 12 13 13 17 20
Profit before tax 35 59 114 87 201 316 459 604
Tax % 30% 39% 25% 26% 26% 25% 25% 25%
24 36 85 65 150 237 345 451
EPS in Rs 0.36 0.46 1.03 0.77 1.67 2.21 3.18 4.07
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 27%
3 Years: 32%
TTM: 29%
Compounded Profit Growth
10 Years: %
5 Years: 40%
3 Years: 44%
TTM: 30%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: -1%
Return on Equity
10 Years: %
5 Years: 11%
3 Years: 12%
Last Year: 13%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 676 742 797 807 890 1,072 1,085 1,106
Reserves 204 270 408 480 838 1,706 2,105 2,619
Borrowing 842 3,056 2,768 2,940 3,739 3,996 5,264 7,162
71 140 258 288 280 289 141 199
Total Liabilities 1,793 4,208 4,231 4,515 5,747 7,063 8,596 11,085
270 294 301 299 296 300 308 316
CWIP 0 0 0 0 1 2 1 0
Investments 167 1,879 1,484 848 607 427 327 192
1,356 2,035 2,446 3,368 4,843 6,334 7,961 10,577
Total Assets 1,793 4,208 4,231 4,515 5,747 7,063 8,596 11,085

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-368 -383 -275 -822 -1,245 -1,155 -1,415 -1,893
146 -1,863 375 652 206 158 176 131
395 2,291 -187 183 1,071 1,037 1,281 1,977
Net Cash Flow 173 45 -87 13 32 40 41 216
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%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 3% 4% 8% 5% 10% 11% 12% 13%

Insights

In beta
Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Assets Under Management (AUM)
₹ Crore

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Gross NPA %
%
Number of Branches
Number
Number of Employees
Number
Average Ticket Size - Secured MSME
₹ Lakh
Secured MSME Disbursement Value
₹ Crore

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
64.05% 63.74% 60.66% 55.19% 55.05% 54.75% 53.33% 53.19% 52.98% 52.82% 52.35%
2.74% 2.23% 2.86% 4.72% 4.56% 4.92% 6.53% 7.12% 7.01% 6.88% 6.21%
12.42% 11.94% 13.53% 16.24% 16.26% 16.47% 17.67% 16.99% 18.21% 19.53% 21.97%
20.36% 21.88% 22.77% 23.70% 24.02% 23.78% 22.39% 22.63% 21.74% 20.71% 19.40%
0.45% 0.22% 0.17% 0.16% 0.11% 0.09% 0.08% 0.07% 0.06% 0.06% 0.06%
No. of Shareholders 1,19,1091,29,4701,35,7681,38,9911,63,5951,62,9081,53,7441,42,1551,42,6691,46,5561,38,467

* 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

Annual reports

DRHP

Credit ratings

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