Market Cap ₹12143 Cr.
Stock P/E 35.2
P/B 3.9
Current Price ₹110.8
Book Value ₹ 28.8
Face Value 10
52W High ₹123
Dividend Yield 0%
52W Low ₹ 79.3
SBFC Finance Ltd is a dynamic and innovative financial services company dedicated to providing comprehensive solutions to meet the diverse needs of its customers. With a strong focus on customer satisfaction, SBFC Finance offers a wide range of financial products and services, including loans, insurance, and investment opportunities. The company prides itself on its commitment to transparency, integrity, and responsible lending practices. SBFC Finance's team of experienced professionals works diligently to tailor financial solutions that align with individual and business goals. Whether it's personal loans for individuals, working capital for businesses, or insurance options for added security, SBFC Finance Ltd is a trusted partner in helping clients achieve their financial aspirations. Through continuous innovation and a customer-centric approach, SBFC Finance Ltd has established itself as a reliable and customer-friendly financial institution, dedicated to fostering financial growth and stability for its clients.
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₹ | |
| #(Fig in Cr.) | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 230 | 246 | 264 | 279 | 298 | 314 | 334 | 361 |
| Other Income | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |
| Total Income | 230 | 247 | 264 | 280 | 298 | 315 | 334 | 361 |
| Total Expenditure | 75 | 83 | 90 | 90 | 94 | 100 | 105 | 113 |
| Operating Profit | 155 | 163 | 174 | 189 | 204 | 215 | 229 | 248 |
| Interest Expense | 89 | 89 | 85 | 88 | 95 | 100 | 106 | 118 |
| Depreciation | 3 | 3 | 3 | 4 | 4 | 4 | 5 | 5 |
| Profit Before Tax | 63 | 71 | 86 | 97 | 105 | 110 | 118 | 125 |
| Provision for Tax | 16 | 18 | 22 | 24 | 26 | 26 | 29 | 31 |
| Profit After Tax | 47 | 53 | 64 | 74 | 79 | 84 | 88 | 94 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 47 | 53 | 64 | 74 | 79 | 84 | 88 | 94 |
| Adjusted Earnings Per Share | 0.5 | 0.5 | 0.6 | 0.7 | 0.7 | 0.8 | 0.8 | 0.9 |
| #(Fig in Cr.) | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|
| Operating Revenue | 529 | 733 | 1019 | 1306 | 1307 |
| Other Income | 4 | 8 | 1 | 1 | 0 |
| Total Income | 533 | 740 | 1020 | 1307 | 1308 |
| Total Expenditure | 212 | 248 | 338 | 410 | 412 |
| Operating Profit | 321 | 492 | 682 | 896 | 896 |
| Interest Expense | 222 | 278 | 352 | 421 | 419 |
| Depreciation | 12 | 13 | 13 | 17 | 18 |
| Profit Before Tax | 87 | 201 | 316 | 459 | 458 |
| Provision for Tax | 22 | 52 | 79 | 113 | 112 |
| Profit After Tax | 65 | 150 | 237 | 345 | 345 |
| Adjustments | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 65 | 150 | 237 | 345 | 345 |
| Adjusted Earnings Per Share | 0.8 | 1.7 | 2.2 | 3.2 | 3.2 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 28% | 35% | 0% | 0% |
| Operating Profit CAGR | 31% | 41% | 0% | 0% |
| PAT CAGR | 46% | 74% | 0% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 32% | NA% | NA% | NA% |
| ROE Average | 12% | 11% | 9% | 9% |
| ROCE Average | 12% | 11% | 10% | 10% |
| #(Fig in Cr.) | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Shareholder's Funds | 1287 | 1727 | 2778 | 3190 |
| Minority's Interest | 0 | 0 | 0 | 0 |
| Borrowings | 2940 | 3739 | 3996 | 5264 |
| Current Liability | 337 | 489 | 271 | 125 |
| Other Liabilities & Provisions | 20 | 13 | 221 | 137 |
| Total Liabilities | 4584 | 5968 | 7267 | 8717 |
| Loans | 2982 | 4415 | 3902 | 4990 |
| Investments | 249 | 275 | 207 | 22 |
| Fixed Assets | 299 | 296 | 300 | 308 |
| Other Loans | 3 | 3 | 210 | 125 |
| Other Non Current Assets | 0 | 1 | 155 | 35 |
| Current Assets | 1049 | 977 | 2492 | 3238 |
| Total Assets | 4584 | 5968 | 7267 | 8717 |
| #(Fig in Cr.) | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 138 | 151 | 184 | 225 |
| Cash Flow from Operating Activities | -822 | -1245 | -1155 | -1415 |
| Cash Flow from Investing Activities | 652 | 206 | 159 | 174 |
| Cash Flow from Financing Activities | 183 | 1071 | 1037 | 1281 |
| Net Cash Inflow / Outflow | 13 | 32 | 41 | 40 |
| Closing Cash & Cash Equivalent | 151 | 184 | 225 | 265 |
| # | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Earnings Per Share (Rs) | 0.8 | 1.68 | 2.21 | 3.18 |
| CEPS(Rs) | 0.95 | 1.83 | 2.34 | 3.34 |
| DPS(Rs) | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 15.69 | 19.08 | 25.65 | 28.93 |
| Net Profit Margin | 12.2 | 20.43 | 23.28 | 26.44 |
| Operating Margin | 58.36 | 65.44 | 65.64 | 67.34 |
| PBT Margin | 16.39 | 27.48 | 31.04 | 35.12 |
| ROA(%) | 1.41 | 2.84 | 3.58 | 4.32 |
| ROE(%) | 5.1 | 10.11 | 10.67 | 11.73 |
| ROCE(%) | 7.3 | 9.89 | 10.93 | 11.55 |
| Price/Earnings(x) | 0 | 0 | 36.99 | 27.75 |
| Price/Book(x) | 0 | 0 | 3.19 | 3.05 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 6.45 | 5.77 | 12.2 | 11.06 |
| EV/Core EBITDA(x) | 10.64 | 8.59 | 18.22 | 16.12 |
| Interest Earned Growth(%) | 0 | 38.51 | 39 | 28.23 |
| Net Profit Growth | 0 | 132.07 | 58.35 | 45.63 |
| EPS Growth(%) | 0 | 110.48 | 31.42 | 43.85 |
| Interest Coverage(x) % | 1.39 | 1.72 | 1.9 | 2.09 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Promoter | 64.02 | 63.73 | 60.66 | 55.19 | 55.05 | 54.75 | 53.33 | 53.19 | 52.98 |
| FII | 2.74 | 2.23 | 2.86 | 4.72 | 4.56 | 4.92 | 6.53 | 7.12 | 7.01 |
| DII | 12.41 | 11.94 | 13.52 | 16.24 | 16.26 | 16.46 | 17.66 | 17 | 18.2 |
| Public | 20.79 | 22.1 | 22.95 | 23.85 | 24.13 | 23.87 | 22.47 | 22.69 | 21.81 |
| Others | 0.04 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Promoter | 68.14 | 68.14 | 65.14 | 59.28 | 59.28 | 59.28 | 57.92 | 57.92 | 57.92 |
| FII | 2.91 | 2.38 | 3.07 | 5.07 | 4.91 | 5.32 | 7.09 | 7.76 | 7.66 |
| DII | 13.21 | 12.76 | 14.52 | 17.45 | 17.51 | 17.83 | 19.18 | 18.51 | 19.9 |
| Public | 22.12 | 23.63 | 24.64 | 25.62 | 25.98 | 25.84 | 24.4 | 24.7 | 23.84 |
| Others | 0.04 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 106.42 | 106.91 | 107.38 | 107.42 | 107.68 | 108.27 | 108.6 | 108.88 | 109.32 |
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