SBFC Finance Ltd.

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sbfc.comBSE: 543959NSE: SBFC

Market Cap₹ 10,885 Cr.

Current Price

High / Low₹ 123 / 80

Stock P/E31.5

Book Value₹ 29

Price to Book3.05

Dividend Yield0.00 %

ROCE11.6 %

ROE11.7 %

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

Comfortable capital adequacy - CAR of 32.8%
Solid return on assets for a lender - ROA of 4.6%
Operating margins have improved to 68.6% from 60.6%
Latest quarter profit grew 27.5% YoY, showing strong momentum
Institutional investors have been accumulating - FII+DII up 3.8pp
Attractively priced for its growth - PEG of 0.4

CONS

Net NPA is elevated at 1.5% - provisioning cushion is thin
Company has a low return on capital employed of 10.8%
Promoter holding has decreased over last 2 years: -2.9pp
Free cash flow has been persistently negative
Equity base is being diluted - shares outstanding up 34.5%
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 MKT NIFTY 500 NIFTY SMLCAP 250

S.No.	Name
1.	BAJFINANCE	1034.20	31.71	643888.19	0.58	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1028.00	21.37	241893.03	1.05	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1845.00	27.40	157575.18	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
4.	TATACAP	362.80	28.50	154003.85	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	230.00	73.49	151872.26	0.26	8302.50	2457.29	20044.70	3172.82	2.11	69.71
6.	BAJAJHLDNG	11120.70	13.97	123766.17	1.75	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2794.40	9.86	112186.35	1.07	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	398.60	26.59	109118.68	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	309.50	24.37	77571.61	0.89	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	656.05	27.44	62432.55	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	668.65	25.53	55549.10	0.60	785.20	38.31	4937.90	18.71	9.09	57.98
12.	SBFC	98.15	31.52	10885.06	0.00	93.94	27.52	359.36	30.25	11.82	68.88

Detailed Comparison with:

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
	224	239	256	276	287	302	321	359
	75	83	90	90	94	100	105	113
Operating Profit	154	163	173	188	204	214	228	248
OPM %	68.98%	68.05%	67.71%	68.32%	70.96%	70.86%	71.23%	68.88%
Other Income	0	0	0	1	0	0	0	0
Interest	89	89	85	88	95	100	106	118
Depreciation	3	3	3	4	4	4	5	5
	63	71	86	97	105	110	118	125
Tax %	25.20%	25.52%	25.33%	24.22%	25.12%	23.76%	25.04%	24.96%
Net Profit	47	53	64	74	79	84	88	94
	1	1	1	1	1	1	1	1

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
	529	733	1,019	1,306	1,270
	212	248	338	410	412
Operating Profit	317	485	681	896	858
OPM %	59.84%	66.15%	66.83%	68.58%	67.56%
	4	8	1	1	1
Interest	222	278	352	421	419
Depreciation	12	13	13	17	17
Profit before Tax	87	201	316	459	459
Tax %	25.58%	25.64%	25.00%	24.73%	24.73%
Net Profit	65	150	237	345	345
EPS	0.79	1.62	2.21	3.18	—
Dividend Payout %	0.00%	0.00%	0.00%	0.00%	—

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: —
3 Years:: 35%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: —
3 Years:: 75%

STOCK PRICE CAGR

10 Years:: —
5 Years:: —
3 Years:: 5%
1 Year:: -8%

RETURN ON EQUITY

10 Years:: —
5 Years:: —
3 Years:: 11%
Last Year:: 12%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	807	890	1,072	1,085
	459	808	1,677	2,055
	3,107	3,927	4,003	5,280
Trade Payables	12	13	22	10
	199	331	493	287
Total Liabilities	4,584	5,968	7,267	8,717
	299	296	300	308
	848	607	406	327
	0	0	15	15
Cash & Bank	335	401	338	399
	3,101	4,665	6,208	7,669
Total Assets	4,584	5,968	7,267	8,717

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	-780	-1,182	-1,155	-1,415
Cash from Investing	652	206	159	174
Cash from Financing	183	1,071	1,037	1,281
	13	32	41	40

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Mar 2023	Mar 2024	Mar 2025

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	55.19	55.05	54.75	53.33	53.19	52.98	52.82	52.35	52.31
	4.72	4.56	4.92	6.53	7.12	7.01	6.88	6.21	7.22
	16.24	16.26	16.47	17.67	16.99	18.21	19.53	21.97	20.72
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	23.85	24.13	23.87	22.47	22.69	21.81	20.76	19.47	19.76

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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