Shalibhadra Finance Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Company has delivered good profit growth of 22.5% CAGR over last 5 years
- Solid return on assets for a lender - ROA of 9.1%
- Asset quality is healthy - gross NPA of just 0.0%
- Attractively priced for its growth - PEG of 0.3
- Company has a consistent dividend-paying track record
CONS
- Capital adequacy is tight at 0.0% - limited headroom to grow
- Thin net interest margin of 0.0%
- Company has delivered a poor sales growth of 7.9% over past five years
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1034.20 | 31.71 | 643888.19 | 0.58 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1028.00 | 21.37 | 241893.03 | 1.05 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| CHOLAFIN | 1845.00 | 27.40 | 157575.18 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 362.80 | 28.50 | 154003.85 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 230.00 | 73.49 | 151872.26 | 0.26 | 8302.50 | 2457.29 | 20044.70 | 3172.82 | 2.11 | 69.71 |
| BAJAJHLDNG | 11120.70 | 13.97 | 123766.17 | 1.75 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2794.40 | 9.86 | 112186.35 | 1.07 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 398.60 | 26.59 | 109118.68 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 309.50 | 24.37 | 77571.61 | 0.89 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 656.05 | 27.44 | 62432.55 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 668.65 | 25.53 | 55549.10 | 0.60 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| SAHLIBHFI | 82.00 | 12.78 | 253.28 | 0.61 | 4.91 | 7.44 | 11.09 | 17.11 | 15.04 | 75.83 |
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 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 7 | 0 | 8 | 9 | 9 | 8 | 10 | 9 | 9 | 9 | 11 | 11 | 111 | |
| 2 | 2 | 2 | 3 | 3 | 2 | 3 | 3 | 3 | 2 | 3 | 2 | 47 | |
| Operating Profit | 5 | 5 | 6 | 6 | 6 | 6 | 7 | 7 | 7 | 7 | 8 | 9 | 84 |
| OPM % | 68.11% | — | 71.27% | 67.23% | 69.42% | 74.85% | 71.37% | 70.24% | 73.28% | 76.39% | 72.16% | 80.79% | 75.83% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 2 | 1 | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | 20 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 3 | 4 | 4 | 4 | 5 | 5 | 6 | 6 | 6 | 6 | 7 | 7 | 64 | |
| Tax % | 25.89% | 24.94% | 26.34% | 25.45% | 24.78% | 24.67% | 20.30% | 20.71% | 22.80% | 22.13% | 22.97% | 27.13% | 23.40% |
| Net Profit | 2 | 3 | 3 | 3 | 3 | 3 | 5 | 4 | 5 | 5 | 5 | 5 | 49 |
| 4 | 4 | 5 | 5 | 1 | 5 | 6 | 6 | 1 | 2 | 2 | 2 | 2 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 13 | 16 | 19 | 22 | 24 | 21 | 22 | 27 | 32 | 35 | 42 | |
| 4 | 5 | 5 | 5 | 7 | 8 | 7 | 9 | 10 | 10 | 12 | |
| Operating Profit | 9 | 11 | 15 | 17 | 17 | 13 | 15 | 18 | 22 | 24 | 30 |
| OPM % | 70.88% | 70.83% | 76.10% | 76.91% | 72.33% | 63.09% | 67.76% | 67.44% | 69.21% | 70.08% | 70.76% |
| 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 2 | 0 | |
| Interest | 4 | 5 | 7 | 8 | 9 | 9 | 7 | 7 | 7 | 5 | 6 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before Tax | 5 | 6 | 8 | 9 | 8 | 5 | 8 | 11 | 16 | 21 | 26 |
| Tax % | 36.71% | 33.71% | 28.53% | 28.39% | 27.79% | 29.57% | 26.13% | 25.84% | 25.65% | 22.36% | 24.00% |
| Net Profit | 3 | 4 | 6 | 6 | 6 | 4 | 6 | 8 | 12 | 16 | 20 |
| EPS | 6.91 | 0.00 | 0.00 | 0.00 | 10.16 | 7.03 | 0.12 | 15.33 | 17.10 | 20.72 | — |
| Dividend Payout % | 14.47% | 11.63% | 10.59% | 9.38% | 0.00% | 7.12% | 6.64% | 7.48% | 7.02% | 1.93% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 11%
- 5 Years:
- 8%
- 3 Years:
- 16%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 15%
- 5 Years:
- 22%
- 3 Years:
- 39%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- —
RETURN ON EQUITY
- 10 Years:
- 15%
- 5 Years:
- 12%
- 3 Years:
- 13%
- Last Year:
- 13%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 6 | 7 | 8 |
| 16 | 20 | 26 | 32 | 37 | 40 | 46 | 70 | 90 | 147 | |
| 30 | 45 | 61 | 73 | 76 | 62 | 57 | 55 | 58 | 37 | |
| 4 | 4 | 4 | 5 | 5 | 4 | 9 | 6 | 3 | 4 | |
| Total Liabilities | 56 | 75 | 96 | 115 | 123 | 112 | 117 | 136 | 158 | 195 |
| 1 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 | |
| 0 | 1 | 1 | 1 | 2 | 0 | 0 | 0 | 0 | 9 | |
| 35 | 46 | 59 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Cash & Bank | 1 | 1 | 3 | 3 | 5 | 1 | 3 | 7 | 17 | 4 |
| 19 | 25 | 31 | 109 | 114 | 108 | 112 | 127 | 138 | 179 | |
| Total Assets | 56 | 75 | 96 | 115 | 123 | 112 | 117 | 136 | 158 | 195 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 2 | -5 | -6 | -10 | 12 | 9 | 4 | -2 | 3 | -27 | |
| Cash from Investing | -0 | -2 | -0 | -1 | -2 | 2 | -1 | -2 | -2 | -10 |
| Cash from Financing | 3 | 14 | 17 | 12 | 4 | -14 | 1 | 11 | 9 | 24 |
| -0 | 1 | 2 | -1 | 3 | -4 | 2 | 4 | 10 | -13 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-07 - Shalibhadra Finance Limited has informed the Exchange regarding a press release dated September 07, 2026, titled "Shalibhadra Finance Limited Announces Expansion into Used Commercial Vehicle Financing".
2026-09-04 - The Exchange has sought clarification from Shalibhadra Finance Limited for the quarter ended 30-Jun-2026 with respect to Regulation 33 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. On basis of above the Company is required to clarify the following: The response of the Company is awaited.
2026-09-03 - Shalibhadra Finance Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 30, 2026 - E voting related disclosures
2026-09-03 - Shalibhadra Finance Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 30, 2026
2026-09-02 - Shalibhadra Finance Limited has informed the Exchange regarding Outcome of Board Meeting held on September 02, 2026.
2026-09-02 - Shalibhadra Finance Limited has informed the Exchange regarding Change in Auditors of the company.
2026-09-02 - Shalibhadra Finance Limited has informed the Exchange that Record date for the purpose of Dividend is 23-Sep-2026.
2026-09-02 - Shalibhadra Finance Limited has informed the Exchange that Board of Directors at its meeting held on September 02, 2026, recommended Final Dividend of Rs. 0.50 per equity share.
2026-08-26 - Shalibhadra Finance Limited has informed the Exchange regarding a press release dated August 26, 2026, titled "Shalibhadra Finance Deepens Geographic Presence with New Branch in Jamnagar, Gujarat".
News
Recent coverage and analyst commentary for SAHLIBHFI
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