SBFC Finance Limited
₹84.72-₹2.29 (-2.6%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹11,185 Cr
- P/E
- 28.5x
- Revenue
- ₹1,305 Cr
- ROCE
- 14.3%
Price chart
Technical chartScreen technicals →-25.5% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- -0.8%
- 3M
- -6.1%
- 6M
- -8.2%
- 1Y
- -25.5%
- 5Y
- -4.0%
52-week range
Day change -₹2.29 (-2.6%) from ₹87 to ₹85 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in SBFC, bought on each weekday since 2023.
AI Summary
Indian StockStrengths1
- Strong 5-year revenue CAGR of 18.0%
Concerns1
- Negative free cash flow (₹1239 Cr)
Rule-based from financial data. Not advice.
About the company
SBFC Finance Limited, a non-banking financial company, engages in fund-based financing activity in India.
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SBFC Finance Limited, a non-banking financial company, engages in fund-based financing activity in India. It offers secured loans for micro, small, and medium enterprises (MSME); loans against gold; unsecured personal loans and unsecured business loans; and loan management services to small business owners, self-employed individuals, salaried and working-class individuals, entrepreneurs, and other individual customers, as well as micro, small, and medium enterprises. The company also operates as a corporate agent of insurance products. It serves entrepreneurs, small business owners, self-employed individuals, salaried and working-class individuals, and other individual customers. The company was incorporated in 2008 and is headquartered in Mumbai, India. SBFC Finance Limited operates as a subsidiary of SBFC Holdings Pte. Ltd.
- Sector
- Financial Services
- Shares outstanding
- 110 Cr shares
- ISIN
- INE423Y01016
- BSE code
- 543959
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹11,185 Cr
- P/E
- 28.5x
- P/B
- 3.2x
- Earnings yield
- 3.5%
- 52-week high
- ₹118.50
- 52-week low
- ₹77.53
Profitability
- ROE
- 10.8%
- ROCE
- 14.3%
- Dividend payout
- 0.0%
- Tax rate
- 25.0%
- Other income, % of PBT
- 0.3%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹1,305 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 28.1%
- Revenue CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 18.0%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹1.00 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -80.0%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 45.6%
- Net profit CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 45.8%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹1,155 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -7.2%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹41.0 Cr
Solvency and efficiency
- CFO / Net profit
- -4.87
Where the revenue went
Of every ₹100 of FY2025 revenue, ₹26 was left as net profit.
| From | To | Amount |
|---|---|---|
| Revenue | Interest paid | ₹421 Cr |
| Revenue | Expenses | ₹409 Cr |
| Revenue | Financing profit | ₹475 Cr |
| Financing profit | Depreciation | ₹17 Cr |
| Financing profit | Profit before tax | ₹458 Cr |
| Profit before tax | Tax and other | ₹114 Cr |
| Profit before tax | Net profit | ₹345 Cr |
Revenue and net profit
Revenue grew 28.1% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹510 Cr | ₹85 Cr |
| FY2022 | ₹529 Cr | ₹65 Cr |
| FY2023 | ₹734 Cr | ₹150 Cr |
| FY2024 | ₹1,019 Cr | ₹237 Cr |
| FY2025 | ₹1,305 Cr | ₹345 Cr |
Cash flows
FY2025: -₹1,415 Cr from operations, -₹1,239 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | -₹275 Cr | ₹100 Cr |
| FY2022 | -₹822 Cr | -₹170 Cr |
| FY2023 | -₹1,245 Cr | -₹1,039 Cr |
| FY2024 | -₹1,155 Cr | -₹997 Cr |
| FY2025 | -₹1,415 Cr | -₹1,239 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹1,305 Cr+28.1%1Y
- Net profit
- ₹345 Cr+45.6%1Y
- Cash from operations
- -₹1,415 Cr
- Free cash flow
- -₹1,239 Cr
- Revenue CAGR, 5Y
- 18.0%
- Net profit CAGR, 5Y
- 45.8%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹1,305 Cr | ₹475 Cr | — | ₹345 Cr | -₹1,415 Cr | -₹1,239 Cr | — | +28.1% | +45.6% |
Monthly returns
Month-by-month returns of SBFC across the years, with the seasonal pattern.
Balance sheet
What the company owns and owes at the end of FY2025.
| Line | FY2025 |
|---|---|
| Liabilities and equity | ₹8,596 Cr |
| Equity capital | ₹1,085 Cr |
| Reserves | ₹2,105 Cr |
| Borrowings | ₹5,264 Cr |
| Other liabilities | ₹141 Cr |
| Assets | ₹8,596 Cr |
| Fixed assets | ₹308 Cr |
| Capital work in progress | ₹1 Cr |
| Investments | ₹327 Cr |
| Other assets | ₹7,961 Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
SBFC trades at 28.5x earnings against a peer median of 26.9x.
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| SBFC Finance LimitedSBFCthis company | ₹11,185 Cr | 28.5x | 3.2x | 10.8% | — |
| Can Fin Homes Ltd.CANFINHOME | ₹11,907 Cr | 12.9x | 2.2x | 16.9% | — |
| Sammaan Capital LimitedSAMMAANCAP | ₹11,756 Cr | 10.2x | 0.5x | 4.1% | — |
| IIFL CAPITAL SERVICES LIMITEDIIFLCAPS | ₹11,514 Cr | 23.7x | 4.6x | 27.2% | 11.8x |
| AAVAS Financiers LimitedAAVAS | ₹11,462 Cr | 19.0x | 2.4x | 13.2% | — |
| Home First Finance Company India LimitedHOMEFIRST | ₹11,350 Cr | 25.1x | 2.8x | 15.2% | — |
| Ujjivan Small Finance Bank LimitedUJJIVANSFB | ₹11,203 Cr | 26.9x | 1.8x | 11.9% | — |
| Jammu and Kashmir Bank Ltd.J&KBANK | ₹11,044 Cr | 5.3x | 0.7x | 14.6% | — |
| South Indian Bank Ltd.SOUTHBANK | ₹10,584 Cr | 7.8x | 1.0x | 12.9% | — |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
SBFC since 1 January, against earlier years.
Historical volatility
SBFC's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | 24.0% |
| FY2022 | 18.0% |
| FY2023 | 28.0% |
| FY2024 | 32.0% |
| FY2025 | 36.0% |
| Line | FY2025 |
|---|---|
| Revenue | ₹1,305 Cr |
| Costs | |
| Interest | ₹421 Cr |
| Expenses | ₹409 Cr |
| Financing profitFinancing Profit | ₹475 Cr |
| Financing marginFinancing Margin % | 36.0% |
| Other income and charges | |
| Profit before tax | ₹459 Cr |
| Tax | |
| Net profitNet Profit | ₹345 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹8,596 Cr |
| Equity capitalEquity Capital | ₹1,085 Cr |
| Reserves | ₹2,105 Cr |
| BorrowingsBorrowing | ₹5,264 Cr |
| Other liabilitiesOther Liabilities | ₹141 Cr |
| AssetsTotal Assets | ₹8,596 Cr |
| Fixed assetsFixed Assets | ₹308 Cr |
| Capital work in progressCWIP | ₹1 Cr |
| Investments | ₹327 Cr |
| Other assetsOther Assets | ₹7,961 Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | -₹1,415 Cr |
| Investing cash flowCash from Investing Activity | ₹176 Cr |
| Financing cash flowCash from Financing Activity | ₹1,281 Cr |
| Change in cashNet Cash Flow | ₹41 Cr |
Learn while you research
Academy chapters picked for SBFC Finance Limited and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Growth Investing28% revenue growth is in the top tier, learn how to value growth.7 min read
- 04 Stock Market RisksSmall caps carry concentrated, idiosyncratic risk, learn to manage it.6 min read
- 05 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 06 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read