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Shalibhadra Finance Ltd.

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shalibhadrafinance.comBSE: 511754NSE: SAHLIBHFI
Market Cap₹ 253 Cr.
Current Price
High / Low₹ 92 / 67
Stock P/E12.8
Book Value₹ 57
Price to Book2.68
Dividend Yield0.61 %
ROCE15.0 %
ROE12.7 %
Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

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.

Confidence
84%
View full sector analysis →

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

Financial ServicesFinanceFinance - NBFC
Part ofNIFTY 50NIFTY 500NIFTY LARGEMIDCAP 250NIFTY 100NIFTY 200
S.No.Name
1.BAJFINANCE1034.2031.71643888.190.586080.6027.6023165.4520.3710.8770.70
2.SHRIRAMFIN1028.0021.37241893.031.053452.7759.9013400.4317.4611.4974.63
3.CHOLAFIN1845.0027.40157575.180.111656.2245.568856.2921.899.7070.07
4.TATACAP362.8028.50154003.850.1616281.801464.1688219.301051.008.6675.72
5.JIOFIN230.0073.49151872.260.268302.502457.2920044.703172.822.1169.71
6.BAJAJHLDNG11120.7013.97123766.171.752708.08-92.27394.3323.3414.81684.72
7.MUTHOOTFIN2794.409.86112186.351.072824.8443.088671.6036.2515.8783.76
8.ABCAPITAL398.6026.59109118.680.001223.8543.8512179.54137.848.8241.91
9.LTF309.5024.3777571.610.89915.9930.705212.9222.388.5462.13
10.SBICARD656.0527.4462432.550.38664.4419.515040.557.6011.7529.83
11.HDBFS668.6525.5355549.100.60785.2038.314937.9018.719.0957.98
12.SAHLIBHFI82.0012.78253.280.614.917.4411.0917.1115.0475.83
Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
708998109991111111
22233233323247
Operating Profit55666677778984
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 Income0000000000000
Interest21222211111220
Depreciation0000000000000
34445566667764
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 Profit23333354555549
4455156612222

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
1316192224212227323542
45557879101012
Operating Profit911151717131518222430
OPM %70.88%70.83%76.10%76.91%72.33%63.09%67.76%67.44%69.21%70.08%70.76%
00000100020
Interest45789977756
Depreciation00000000000
Profit before Tax568985811162126
Tax %36.71%33.71%28.53%28.39%27.79%29.57%26.13%25.84%25.65%22.36%24.00%
Net Profit34666468121620
EPS6.910.000.000.0010.167.030.1215.3317.1020.72—
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

Standalone Figures in Rs. Crores / View Consolidated

Corporate actions

2025

Jun 4

3:1

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Equity Capital5555555678
162026323740467090147
30456173766257555837
4445549634
Total Liabilities567596115123112117136158195
1222222333
0111200009
3546590000000
Cash & Bank11335137174
192531109114108112127138179
Total Assets567596115123112117136158195

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
2-5-6-101294-23-27
Cash from Investing-0-2-0-1-22-1-2-2-10
Cash from Financing31417124-14111924
-012-13-42410-13

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
60.0060.0054.8355.3655.5556.2456.9957.7858.10
0.001.161.010.822.712.472.432.240.00
0.000.000.000.000.000.000.000.001.26
Government0.000.000.000.000.000.000.000.000.00
40.0038.8444.1643.8341.7441.2940.5839.9940.63

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-07
Press Release

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
Clarification - Financial Results

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
Shareholders meeting

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
Shareholders meeting

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
Outcome of Board Meeting

2026-09-02 - Shalibhadra Finance Limited has informed the Exchange regarding Outcome of Board Meeting held on September 02, 2026.

2026-09-02
Change in Auditors

2026-09-02 - Shalibhadra Finance Limited has informed the Exchange regarding Change in Auditors of the company.

2026-09-02
Record Date

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
Dividend

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
Press Release

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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