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 ₹ 8,775 Cr.
- Current Price ₹ 81.7
- High / Low ₹ 98.0 / 72.2
- Stock P/E 37.1
- Book Value ₹ 25.9
- Dividend Yield 0.00 %
- ROCE 10.9 %
- ROE 10.5 %
- Face Value ₹ 10.0
Pros
Cons
- Stock is trading at 3.18 times its book value
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- Promoter holding has decreased over last quarter: -3.07%
* 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
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|
Revenue | 529 | 734 | 1,019 |
Interest | 222 | 278 | 351 |
210 | 247 | 340 | |
Financing Profit | 97 | 209 | 328 |
Financing Margin % | 18% | 28% | 32% |
1 | 5 | 1 | |
Depreciation | 12 | 13 | 13 |
Profit before tax | 87 | 201 | 316 |
Tax % | 26% | 26% | 25% |
65 | 150 | 237 | |
EPS in Rs | 0.77 | 1.67 | 2.21 |
Dividend Payout % | 0% | 0% | 0% |
Compounded Sales Growth | |
---|---|
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: | % |
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 | |
---|---|---|---|
Equity Capital | 807 | 890 | 1,072 |
Reserves | 480 | 838 | 1,706 |
2,940 | 3,739 | 3,996 | |
288 | 280 | 289 | |
Total Liabilities | 4,515 | 5,746 | 7,063 |
299 | 296 | 301 | |
CWIP | 0 | 1 | 0 |
Investments | 848 | 607 | 406 |
3,368 | 4,843 | 6,355 | |
Total Assets | 4,515 | 5,746 | 7,063 |
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)-Allotment
19h - Allotment of the non convertible debentures by the Board on 13 May, 2024
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Announcement under Regulation 30 (LODR)-Earnings Call Transcript
6 May - Transcript of Earnings conference call held on 29th April, 2024
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Disclosure Under Regulation 30 Of SEBI (LODR) Regulations, 2015
3 May - Disclosure pertaining to the acquisition in Equity Shares made by SBI mutual funds under its various schemes under Regulation 29(2) of SEBI (SAST) Regulations.
- Disclosures under Reg. 29(2) of SEBI (SAST) Regulations, 2011 3 May
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Audio Recording For Earning Conference Call
2 May - Disclosure pertaining to upload of audio recordings of earnings conference call held on 29th April, 2024.
Concalls
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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