SBFC Finance Ltd
Incorporated in 2008, SBFC Finance Limited is a systemically important, NBFC (NBFC-ND-SI) offering Secured MSME Loans and Loans against Gold[1]
- Market Cap ₹ 9,103 Cr.
- Current Price ₹ 84.5
- High / Low ₹ 106 / 72.2
- Stock P/E 30.3
- Book Value ₹ 27.6
- Dividend Yield 0.00 %
- ROCE 10.9 %
- ROE 10.5 %
- Face Value ₹ 10.0
Pros
Cons
- Stock is trading at 3.11 times its book value
- Though the company is reporting repeated profits, it is not paying out dividend
- Promoter holding has decreased over last quarter: -5.47%
* 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
Sector: Finance Industry: Finance & Investments
Part of Nifty Total Market Nifty Smallcap 250 Nifty MidSmallcap 400 Nifty 500 BSE SmallCap
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
Mar 2022 | Mar 2023 | Mar 2024 | TTM | |
---|---|---|---|---|
Revenue | 529 | 734 | 1,019 | 1,155 |
Interest | 222 | 278 | 352 | 368 |
210 | 247 | 338 | 375 | |
Financing Profit | 97 | 209 | 329 | 412 |
Financing Margin % | 18% | 28% | 32% | 36% |
1 | 5 | 1 | 1 | |
Depreciation | 12 | 13 | 13 | 15 |
Profit before tax | 87 | 201 | 316 | 398 |
Tax % | 26% | 26% | 25% | |
65 | 150 | 237 | 301 | |
EPS in Rs | 0.77 | 1.67 | 2.21 | 2.80 |
Dividend Payout % | 0% | 0% | 0% |
Compounded Sales Growth | |
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10 Years: | % |
5 Years: | % |
3 Years: | % |
TTM: | 39% |
Compounded Profit Growth | |
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10 Years: | % |
5 Years: | % |
3 Years: | % |
TTM: | 58% |
Stock Price CAGR | |
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10 Years: | % |
5 Years: | % |
3 Years: | % |
1 Year: | -3% |
Return on Equity | |
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10 Years: | % |
5 Years: | % |
3 Years: | % |
Last Year: | 11% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
Mar 2022 | Mar 2023 | Mar 2024 | Sep 2024 | |
---|---|---|---|---|
Equity Capital | 807 | 890 | 1,072 | 1,076 |
Reserves | 480 | 838 | 1,706 | 1,893 |
2,940 | 3,739 | 3,996 | 4,413 | |
288 | 280 | 289 | 152 | |
Total Liabilities | 4,515 | 5,746 | 7,063 | 7,534 |
299 | 296 | 300 | 302 | |
CWIP | 0 | 1 | 2 | 0 |
Investments | 848 | 607 | 406 | 260 |
3,368 | 4,843 | 6,355 | 6,971 | |
Total Assets | 4,515 | 5,746 | 7,063 | 7,534 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|
-822 | -1,245 | -1,155 | |
652 | 206 | 159 | |
183 | 1,071 | 1,037 | |
Net Cash Flow | 13 | 32 | 41 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|
ROE % | 10% | 11% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
2d - Schedule of analysts/institutional investors meet on November 13, 2024.
- Announcement under Regulation 30 (LODR)-Earnings Call Transcript 31 Oct
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
28 Oct - Audio recording of earnings conference call uploaded.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
28 Oct - Newspaper publication pertaining to financial results of the Company for the quarter and half year ended 30th September, 2024
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Related Party Transactions For The Half Year Ended 30 September 2024
26 Oct - Disclosure of related party transactions for H1 2024.
Concalls
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Oct 2024Transcript PPT REC
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Aug 2024Transcript PPT
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May 2024Transcript PPT
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Feb 2024Transcript PPT
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Nov 2023Transcript PPT
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Sep 2023TranscriptPPT
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Sep 2023Transcript PPT
Leading MSME Company[1] Among MSME companies, SBFC has one of the highest assets under management (“AUM”) growth, and has grown at a CAGR of 44% from FY19 to FY23, with disbursements growing at a CAGR of 40% in this period