SBFC Finance

₹83 1.3 | 1.6%

WEBSITE BSE:543959 NSE : SBFC 10 May, 16:01

Market Cap ₹8911 Cr.

Stock P/E 36.2

P/B 3.2

Current Price ₹83

Book Value ₹ 25.9

Face Value 10

52W High ₹98

Dividend Yield 0%

52W Low ₹ 72.2

Edit Ratio

SBFC Finance Research see more...

Overview Inc. Year: 2008Industry: Finance - Others

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.

SBFC Finance Share Price

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Peer Comparison

SBFC Finance Quarterly Results

#(Fig in Cr.)	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Operating Revenue	230	246	264	279
Other Income	0	0	0	1
Total Income	230	247	264	280
Total Expenditure	75	83	90	90
Operating Profit	155	163	174	189
Interest Expense	89	89	85	88
Depreciation	3	3	3	4
Profit Before Tax	63	71	86	97
Provision for Tax	16	18	22	24
Profit After Tax	47	53	64	74
Adjustments	0	0	0	0
Profit After Adjustments	47	53	64	74
Adjusted Earnings Per Share	0.5	0.5	0.6	0.7

SBFC Finance Profit & Loss

#(Fig in Cr.)	Mar 2022	Mar 2023	TTM
Operating Revenue	529	733	1019
Other Income	4	8	1
Total Income	533	740	1021
Total Expenditure	212	248	338
Operating Profit	321	492	681
Interest Expense	222	278	351
Depreciation	12	13	13
Profit Before Tax	87	201	317
Provision for Tax	22	52	80
Profit After Tax	65	150	238
Adjustments	0	0	0
Profit After Adjustments	65	150	238
Adjusted Earnings Per Share	0.8	1.7	2.3

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	39%	0%	0%	0%
Operating Profit CAGR	53%	0%	0%	0%
PAT CAGR	131%	0%	0%	0%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	NA%	NA%	NA%	NA%
ROE Average	10%	8%	8%	8%
ROCE Average	10%	9%	9%	9%

SBFC Finance Balance Sheet

#(Fig in Cr.)	Mar 2022	Mar 2023
Shareholder's Funds	1287	1727
Minority's Interest	0	0
Borrowings	2940	3739
Current Liability	337	489
Other Liabilities & Provisions	20	13
Total Liabilities	4584	5968
Loans	2982	4415
Investments	249	427
Fixed Assets	299	296
Other Loans	3	3
Other Non Current Assets	0	1
Current Assets	1049	825
Total Assets	4584	5968

SBFC Finance Cash Flow

#(Fig in Cr.)	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	138	151
Cash Flow from Operating Activities	-822	-1245
Cash Flow from Investing Activities	652	206
Cash Flow from Financing Activities	183	1071
Net Cash Inflow / Outflow	13	32
Closing Cash & Cash Equivalent	151	183

SBFC Finance Ratios

#	Mar 2022	Mar 2023
Earnings Per Share (Rs)	0.8	1.68
CEPS(Rs)	0.95	1.83
DPS(Rs)	0	0
Book NAV/Share(Rs)	15.69	19.08
Net Profit Margin	12.2	20.43
Operating Margin	58.36	65.44
PBT Margin	16.39	27.48
ROA(%)	1.41	2.84
ROE(%)	5.1	10.11
ROCE(%)	7.3	9.89
Price/Earnings(x)	0	0
Price/Book(x)	0	0
Dividend Yield(%)	0	0
EV/Net Sales(x)	6.45	5.77
EV/Core EBITDA(x)	10.64	8.59
Interest Earned Growth(%)	0	38.51
Net Profit Growth	0	132.07
EPS Growth(%)	0	110.48
Interest Coverage(x) %	1.39	1.72

SBFC Finance Shareholding Pattern

#	Sep 2023	Dec 2023	Mar 2024
Promoter	64.02	63.73	60.66
FII	2.74	2.23	2.86
DII	12.41	11.94	13.52
Public	20.79	22.1	22.95
Others	0.04	0	0
Total	100	100	100

#	Sep 2023	Dec 2023	Mar 2024
Promoter	68.14	68.14	65.14
FII	2.91	2.38	3.07
DII	13.21	12.76	14.52
Public	22.12	23.63	24.64
Others	0.04	0	0
Total	106.42	106.91	107.38

Pros

Cons

Company has a low return on equity of 8% over the last 3 years.
Stock is trading at 3.2 times its book value.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.