SBFC Finance Ltd

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

SBFC Finance Ltd

₹ 110 0.14%
19 Nov 12:15 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 growth of 46% in AUM from FY19 to H1 FY25.

Website BSE NSE
  • Market Cap ₹ 12,016 Cr.
  • Current Price ₹ 110
  • High / Low ₹ 123 / 79.2
  • Stock P/E 34.8
  • Book Value ₹ 29.4
  • Dividend Yield 0.00 %
  • ROCE 11.6 %
  • ROE 11.6 %
  • Face Value ₹ 10.0
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Pros

Cons

  • Stock is trading at 3.73 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • 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

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
230 246 264 279 298 314 334 361
Interest 89 89 85 88 95 100 106 118
75 83 90 90 94 100 105 113
Financing Profit 66 74 89 100 109 114 122 130
Financing Margin % 29% 30% 34% 36% 37% 36% 37% 36%
0 0 0 1 0 0 0 0
Depreciation 3 3 3 4 4 4 5 5
Profit before tax 63 71 86 97 105 110 118 125
Tax % 25% 26% 25% 24% 25% 24% 25% 25%
47 53 64 74 79 84 88 94
EPS in Rs 0.51 0.49 0.60 0.69 0.73 0.78 0.82 0.87
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Mar 2023 Mar 2024 Mar 2025
529 734 1,019 1,306
Interest 222 278 352 421
210 247 338 410
Financing Profit 97 209 329 475
Financing Margin % 18% 28% 32% 36%
1 5 1 0
Depreciation 12 13 13 17
Profit before tax 87 201 316 459
Tax % 26% 26% 25% 25%
65 150 237 345
EPS in Rs 0.77 1.67 2.21 3.18
Dividend Payout % 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: 35%
TTM: 28%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: 75%
TTM: 46%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: 30%
Return on Equity
10 Years: %
5 Years: %
3 Years: 11%
Last Year: 12%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 807 890 1,072 1,085
Reserves 480 838 1,706 2,105
Borrowing 2,940 3,739 3,996 5,264
288 280 289 141
Total Liabilities 4,515 5,746 7,063 8,596
299 296 300 308
CWIP 0 1 2 1
Investments 848 607 406 327
3,368 4,843 6,355 7,960
Total Assets 4,515 5,746 7,063 8,596

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Mar 2023 Mar 2024 Mar 2025
-822 -1,245 -1,155 -1,415
652 206 159 174
183 1,071 1,037 1,281
Net Cash Flow 13 32 41 40

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 10% 11% 12%

Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
64.05% 63.74% 60.66% 55.19% 55.05% 54.75% 53.33% 53.19% 52.98%
2.74% 2.23% 2.86% 4.72% 4.56% 4.92% 6.53% 7.12% 7.01%
12.42% 11.94% 13.53% 16.24% 16.26% 16.47% 17.67% 16.99% 18.21%
20.36% 21.88% 22.77% 23.70% 24.02% 23.78% 22.39% 22.63% 21.74%
0.45% 0.22% 0.17% 0.16% 0.11% 0.09% 0.08% 0.07% 0.06%
No. of Shareholders 1,19,1091,29,4701,35,7681,38,9911,63,5951,62,9081,53,7441,42,1551,42,669

* 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

Concalls