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SBFC Finance Ltd.

•
sbfc.comBSE: 543959NSE: SBFC
Market Cap₹ 11,045 Cr.
Current Price
High / Low₹ 123 / 80
Stock P/E23.0
Book Value₹ 35
Price to Book2.43
Dividend Yield0.00 %
ROCE11.8 %
ROE13.2 %
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 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

Financial ServicesFinanceFinance - NBFC
Part ofNIFTY TOTAL MKTNIFTY 500NIFTY SMLCAP 250
S.No.Name
1.BAJFINANCE1040.0031.89647499.250.586080.6027.6023165.4520.3710.8770.70
2.SHRIRAMFIN1029.3521.40242204.361.053452.7759.9013400.4317.4611.4974.63
3.CHOLAFIN1829.0027.16156208.670.111656.2245.568856.2921.899.7070.07
4.TATACAP362.9528.51154067.520.1616281.801464.1688219.301051.008.6675.72
5.JIOFIN231.0073.81152532.570.268302.502457.2920044.703172.822.1169.71
6.BAJAJHLDNG11093.2513.94123460.671.762708.08-92.27394.3323.3414.81684.72
7.MUTHOOTFIN2820.009.95113214.111.062824.8443.088671.6036.2515.8783.76
8.ABCAPITAL398.8026.60109173.430.001223.8543.8512179.54137.848.8241.91
9.LTF310.2024.4377747.060.89915.9930.705212.9222.388.5462.13
10.SBICARD670.0028.0263760.090.37664.4419.515040.557.6011.7529.83
11.HDBFS674.9025.7756068.330.59785.2038.314937.9018.719.0957.98
12.SBFC99.5931.9911044.760.0093.9427.52359.3630.2511.8268.88
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
224239256276293307325359387410424452491
7583909194100105113123131127138317
Operating Profit154163174188204214228248266280299316331
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 Income0001000100000
Interest8989858895100106118125129136147152
Depreciation3334445555555
63718697105110117126136146158164174
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 Profit4753647379848894101109118123130
1111111111110

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
2721774455075297331,0191,3051,6791,778
15189134149212248338410517713
Operating Profit121873113593174856818951,1621,064
OPM %54.70%29.66%49.50%69.90%70.70%59.84%66.16%66.83%68.59%69.23%59.88%
09004481111
Interest12750244239222278352421539565
Depreciation0882810121313172020
Profit before Tax0-85355911487201316459604642
Tax %29.35%-0.00%30.14%39.44%25.47%25.58%25.64%25.01%24.72%25.31%25.22%
Net Profit0-8524358565150237345451480
EPS0.19-2.270.360.481.060.791.622.213.184.08—
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

Corporate actions

No bonus data found

Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital6766767427978078901,0721,0851,106
841972523874598081,6772,0552,581
4638643,0562,8603,1073,9274,0035,2807,182
Trade Payables4514661213221013
3542164224199109493287188
Total Liabilities1,3031,7934,2204,2744,5845,7477,2678,71711,070
179270294301299296300308314
2571671,8791,484848607427327192
000000151520
Cash & Bank73196416341335401317399614
7951,1601,6312,1473,1014,4436,2087,6699,929
Total Assets1,3031,7934,2204,2744,5845,7477,2678,71711,070

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
393-368-323-232-780-1,182-1,155-1,415-1,893
Cash from Investing1-1,394146-1,863375652206158176131
Cash from Financing-61,2873952,291-1871831,0711,0371,2811,977
-2-1417345-8713324041216

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
55.1955.0554.7553.3353.1952.9852.8252.3552.31
4.724.564.926.537.127.016.886.217.22
16.2416.2616.4717.6716.9918.2119.5321.9720.72
Government0.000.000.000.000.000.000.000.000.00
23.8524.1323.8722.4722.6921.8120.7619.4719.76

Documents

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

2026-09-08
Credit Rating

2026-09-08 - Sbfc Finance Limited has informed the Exchange about Credit Rating

2026-09-03
Allotment of Securities

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
General Updates

2026-09-03 - SBFC Finance Limited has informed the Exchange about ESG Rating.

2026-08-26
Credit Rating

2026-08-26 - Sbfc Finance Limited has informed the Exchange about Credit Rating

2026-08-17
General Updates

2026-08-17 - Sbfc Finance Limited has informed the Exchange about General Updates

2026-07-31
Allotment of Securities

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
Analysts/Institutional Investor Meet/Con. Call Updates

2026-07-31 - Sbfc Finance Limited has informed the Exchange about Transcript

2026-07-27
Copy of Newspaper Publication

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
Analysts/Institutional Investor Meet/Con. Call Updates

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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