SBFC Finance Ltd

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

₹ 89.3 1.20%
11 Nov 1:23 p.m.
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 ₹ 9,926 Cr.
  • Current Price ₹ 89.3
  • High / Low ₹ 114 / 77.2
  • Stock P/E 19.5
  • Book Value ₹ 36.5
  • 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

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has a low return on equity of 11.9% over last 3 years.
  • Promoter holding has decreased over last 3 years: -11.8%

* 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 BSE Financial Services Nifty Microcap 250 Nifty Total Market Nifty500 Equal Weight Nifty500 LargeMidSmall Equal-Cap Weighted

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026
246 264 279 297 314 333 361 388 411 426 454 491 546
Interest 89 85 88 95 100 106 118 125 129 136 147 152 196
83 90 91 94 100 105 113 123 131 127 138 160 160
Financing Profit 74 89 100 109 114 122 130 141 151 163 169 179 191
Financing Margin % 30% 34% 36% 37% 36% 37% 36% 36% 37% 38% 37% 36% 35%
0 0 1 0 0 0 1 0 0 0 0 0 0
Depreciation 3 3 4 4 4 5 5 5 5 5 5 5 5
Profit before tax 71 86 97 105 110 117 126 136 146 158 164 174 186
Tax % 26% 25% 24% 25% 24% 25% 25% 26% 25% 25% 25% 25% 25%
53 64 73 79 84 88 94 101 109 118 123 130 139
EPS in Rs 0.49 0.60 0.68 0.73 0.78 0.81 0.87 0.93 1.00 1.08 1.11 1.18 1.25
Gross NPA % 2.37% 2.38% 2.43% 2.60% 2.69% 2.70% 2.74% 2.78% 2.77% 2.71% 2.61% 2.66%
Net NPA % 1.33% 1.36% 1.36% 1.51% 1.63% 1.63% 1.51% 1.57% 1.51% 1.48% 1.54% 1.55%
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 TTM
177 445 510 529 734 1,019 1,305 1,679 1,917
Interest 50 244 239 222 278 352 421 539 632
89 134 149 210 247 338 409 516 585
Financing Profit 37 67 123 97 209 329 475 623 701
Financing Margin % 21% 15% 24% 18% 28% 32% 36% 37% 37%
0 0 1 1 5 1 0 0 1
Depreciation 2 8 10 12 13 13 17 20 20
Profit before tax 35 59 114 87 201 316 459 604 682
Tax % 30% 39% 25% 26% 26% 25% 25% 25%
24 36 85 65 150 237 345 451 510
EPS in Rs 0.36 0.46 1.03 0.77 1.67 2.21 3.18 4.07 4.62
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 27%
3 Years: 32%
TTM: 28%
Compounded Profit Growth
10 Years: %
5 Years: 40%
3 Years: 44%
TTM: 30%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: 0%
1 Year: -20%
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 Sep 2026
Equity Capital 676 742 797 807 890 1,072 1,085 1,106 1,108
Reserves 204 270 408 480 838 1,706 2,105 2,619 2,941
Borrowing 842 3,056 2,768 2,940 3,739 3,996 5,264 7,162 9,338
71 140 258 288 280 289 141 199 297
Total Liabilities 1,793 4,208 4,231 4,515 5,747 7,063 8,596 11,085 13,685
270 294 301 299 296 300 308 314 321
CWIP 0 0 0 0 1 2 1 2 0
Investments 167 1,879 1,484 848 607 427 327 192 598
1,356 2,035 2,446 3,368 4,843 6,334 7,961 10,577 12,765
Total Assets 1,793 4,208 4,231 4,515 5,747 7,063 8,596 11,085 13,685

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

Ratios

Standalone / 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 Mar 2026
AUM (Asset Under Management)
₹ Crore

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Live Customers
count
Branches
count
AUM per branch
₹ Crore
Secured MSME Disbursement Value
₹ Crore
Secured MSME share of AUM
% of total AUM
Gold loan AUM
₹ Crore
Co-origination AUM
₹ Crore

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

1 Recently
Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
63.74% 60.66% 55.19% 55.05% 54.75% 53.33% 53.19% 52.98% 52.82% 52.35% 52.31% 52.23%
2.23% 2.86% 4.72% 4.56% 4.92% 6.53% 7.12% 7.01% 6.88% 6.21% 7.22% 7.66%
11.94% 13.53% 16.24% 16.26% 16.47% 17.67% 16.99% 18.21% 19.53% 21.97% 20.72% 22.24%
21.88% 22.77% 23.70% 24.02% 23.78% 22.39% 22.63% 21.74% 20.71% 19.40% 19.69% 17.80%
0.22% 0.17% 0.16% 0.11% 0.09% 0.08% 0.07% 0.06% 0.06% 0.06% 0.06% 0.06%
No. of Shareholders 1,29,4701,35,7681,38,9911,63,5951,62,9081,53,7441,42,1551,42,6691,46,5561,38,4671,34,5771,29,790

* 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

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DRHP

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