SBFC 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 39.6% CAGR over last 5 years
- Comfortable capital adequacy - CAR of 32.8%
- Solid return on assets for a lender - ROA of 4.6%
- Company has delivered good sales growth of 27.1% CAGR over last 5 years
- Latest quarter profit grew 29.0% YoY, showing strong momentum
CONS
- Net NPA is elevated at 1.5% - provisioning cushion is thin
- Promoter holding has decreased over last 2 years: -2.9pp
- Company has a low return on capital employed of 11.4%
- Free cash flow has been persistently negative
- Equity base is being diluted - shares outstanding up 24.3%
- Thin net interest margin of 0.0%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1040.00 | 31.89 | 647499.25 | 0.58 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1029.35 | 21.40 | 242204.36 | 1.05 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| CHOLAFIN | 1829.00 | 27.16 | 156208.67 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 362.95 | 28.51 | 154067.52 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 231.00 | 73.81 | 152532.57 | 0.26 | 8302.50 | 2457.29 | 20044.70 | 3172.82 | 2.11 | 69.71 |
| BAJAJHLDNG | 11093.25 | 13.94 | 123460.67 | 1.76 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2820.00 | 9.95 | 113214.11 | 1.06 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 398.80 | 26.60 | 109173.43 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 310.20 | 24.43 | 77747.06 | 0.89 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 670.00 | 28.02 | 63760.09 | 0.37 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 674.90 | 25.77 | 56068.33 | 0.59 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| SBFC | 99.59 | 31.99 | 11044.76 | 0.00 | 93.94 | 27.52 | 359.36 | 30.25 | 11.82 | 68.88 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 224 | 239 | 256 | 276 | 293 | 307 | 325 | 359 | 387 | 410 | 424 | 452 | 491 | |
| 75 | 83 | 90 | 91 | 94 | 100 | 105 | 113 | 123 | 131 | 127 | 138 | 317 | |
| Operating Profit | 154 | 163 | 174 | 188 | 204 | 214 | 228 | 248 | 266 | 280 | 299 | 316 | 331 |
| OPM % | 68.98% | 68.05% | 67.79% | 68.24% | 69.61% | 69.74% | 70.15% | 68.96% | 68.64% | 68.28% | 70.37% | 69.97% | 67.42% |
| Other Income | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 |
| Interest | 89 | 89 | 85 | 88 | 95 | 100 | 106 | 118 | 125 | 129 | 136 | 147 | 152 |
| Depreciation | 3 | 3 | 3 | 4 | 4 | 4 | 5 | 5 | 5 | 5 | 5 | 5 | 5 |
| 63 | 71 | 86 | 97 | 105 | 110 | 117 | 126 | 136 | 146 | 158 | 164 | 174 | |
| Tax % | 25.20% | 25.51% | 25.34% | 24.24% | 25.12% | 23.74% | 25.02% | 24.96% | 25.66% | 25.19% | 25.23% | 25.20% | 25.27% |
| Net Profit | 47 | 53 | 64 | 73 | 79 | 84 | 88 | 94 | 101 | 109 | 118 | 123 | 130 |
| 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2 | 72 | 177 | 445 | 507 | 529 | 733 | 1,019 | 1,305 | 1,679 | 1,778 | |
| 1 | 51 | 89 | 134 | 149 | 212 | 248 | 338 | 410 | 517 | 713 | |
| Operating Profit | 1 | 21 | 87 | 311 | 359 | 317 | 485 | 681 | 895 | 1,162 | 1,064 |
| OPM % | 54.70% | 29.66% | 49.50% | 69.90% | 70.70% | 59.84% | 66.16% | 66.83% | 68.59% | 69.23% | 59.88% |
| 0 | 9 | 0 | 0 | 4 | 4 | 8 | 1 | 1 | 1 | 1 | |
| Interest | 1 | 27 | 50 | 244 | 239 | 222 | 278 | 352 | 421 | 539 | 565 |
| Depreciation | 0 | 88 | 2 | 8 | 10 | 12 | 13 | 13 | 17 | 20 | 20 |
| Profit before Tax | 0 | -85 | 35 | 59 | 114 | 87 | 201 | 316 | 459 | 604 | 642 |
| Tax % | 29.35% | -0.00% | 30.14% | 39.44% | 25.47% | 25.58% | 25.64% | 25.01% | 24.72% | 25.31% | 25.22% |
| Net Profit | 0 | -85 | 24 | 35 | 85 | 65 | 150 | 237 | 345 | 451 | 480 |
| EPS | 0.19 | -2.27 | 0.36 | 0.48 | 1.06 | 0.79 | 1.62 | 2.21 | 3.18 | 4.08 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 100%
- 5 Years:
- 27%
- 3 Years:
- 32%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 161%
- 5 Years:
- 40%
- 3 Years:
- 44%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 4%
- 1 Year:
- -8%
RETURN ON EQUITY
- 10 Years:
- 4%
- 5 Years:
- 10%
- 3 Years:
- 12%
- Last Year:
- 13%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 676 | 676 | 742 | 797 | 807 | 890 | 1,072 | 1,085 | 1,106 |
| 84 | 197 | 252 | 387 | 459 | 808 | 1,677 | 2,055 | 2,581 | |
| 463 | 864 | 3,056 | 2,860 | 3,107 | 3,927 | 4,003 | 5,280 | 7,182 | |
| Trade Payables | 45 | 14 | 6 | 6 | 12 | 13 | 22 | 10 | 13 |
| 35 | 42 | 164 | 224 | 199 | 109 | 493 | 287 | 188 | |
| Total Liabilities | 1,303 | 1,793 | 4,220 | 4,274 | 4,584 | 5,747 | 7,267 | 8,717 | 11,070 |
| 179 | 270 | 294 | 301 | 299 | 296 | 300 | 308 | 314 | |
| 257 | 167 | 1,879 | 1,484 | 848 | 607 | 427 | 327 | 192 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 15 | 15 | 20 | |
| Cash & Bank | 73 | 196 | 416 | 341 | 335 | 401 | 317 | 399 | 614 |
| 795 | 1,160 | 1,631 | 2,147 | 3,101 | 4,443 | 6,208 | 7,669 | 9,929 | |
| Total Assets | 1,303 | 1,793 | 4,220 | 4,274 | 4,584 | 5,747 | 7,267 | 8,717 | 11,070 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 3 | 93 | -368 | -323 | -232 | -780 | -1,182 | -1,155 | -1,415 | -1,893 | |
| Cash from Investing | 1 | -1,394 | 146 | -1,863 | 375 | 652 | 206 | 158 | 176 | 131 |
| Cash from Financing | -6 | 1,287 | 395 | 2,291 | -187 | 183 | 1,071 | 1,037 | 1,281 | 1,977 |
| -2 | -14 | 173 | 45 | -87 | 13 | 32 | 40 | 41 | 216 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-08 - Sbfc Finance Limited has informed the Exchange about Credit Rating
2026-09-03 - Sbfc Finance Limited has informed the Exchange regarding allotment of 815852 securities pursuant to ESOP/ESPS at its meeting held on September 03, 2026
2026-09-03 - SBFC Finance Limited has informed the Exchange about ESG Rating.
2026-08-26 - Sbfc Finance Limited has informed the Exchange about Credit Rating
2026-08-17 - Sbfc Finance Limited has informed the Exchange about General Updates
2026-07-31 - Sbfc Finance Limited has informed the Exchange regarding allotment of 899942 securities pursuant to ESOP on July 31, 2026
2026-07-31 - Sbfc Finance Limited has informed the Exchange about Transcript
2026-07-27 - SBFC Finance Limited has informed the Exchange about Copy of Newspaper Publication pertaining to Financial Results for the quarter ended 30th June, 2026
2026-07-25 - Sbfc Finance Limited has informed the Exchange about Link of Recording
News
Recent coverage and analyst commentary for SBFC
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SBFC Finance Ltd.
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