SBFC Finance Limited
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.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockRule-based from financial data. Not advice.
Historically, Apr has averaged the highest return (+12.1%); Jan the lowest (-7.8%).
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -17.8%Negative MonthJan 2026: -17.84% | +9.0%Positive MonthFeb 2026: +8.95% | -13.0%Negative MonthMar 2026: -13.02% | +14.0%Positive MonthApr 2026: +13.97% | -1.3%Neutral MonthMay 2026: -1.31% | -0.3%Neutral MonthJun 2026: -0.30% | -0.6%*Neutral MonthJul 2026: -0.59% | β | β | β | β | β |
| 2025 | -6.1%Negative MonthJan 2025: -6.10% | +3.4%Positive MonthFeb 2025: +3.43% | +0.2%Neutral MonthMar 2025: +0.19% | +15.5%Positive MonthApr 2025: +15.46% | +10.7%Positive MonthMay 2025: +10.69% | -0.6%Neutral MonthJun 2025: -0.62% | -6.5%Negative MonthJul 2025: -6.51% | +0.4%Neutral MonthAug 2025: +0.43% | +0.8%Neutral MonthSep 2025: +0.76% | +7.4%Positive MonthOct 2025: +7.45% | -5.0%Negative MonthNov 2025: -4.96% | -4.0%Negative MonthDec 2025: -4.01% |
| 2024 | +0.5%Neutral MonthJan 2024: +0.54% | -5.6%Negative MonthFeb 2024: -5.59% | -3.5%Negative MonthMar 2024: -3.51% | +6.9%Positive MonthApr 2024: +6.89% | -7.1%Negative MonthMay 2024: -7.13% | +1.5%Neutral MonthJun 2024: +1.48% | +2.9%Positive MonthJul 2024: +2.86% | -0.5%Neutral MonthAug 2024: -0.53% | +12.0%Positive MonthSep 2024: +12.03% | -8.1%Negative MonthOct 2024: -8.13% | +0.1%Neutral MonthNov 2024: +0.12% | +4.4%Positive MonthDec 2024: +4.42% |
| 2023 | β | β | β | β | β | β | β | β | -5.5%Negative MonthSep 2023: -5.53% | -0.7%Neutral MonthOct 2023: -0.67% | +8.9%Positive MonthNov 2023: +8.86% | -0.7%Neutral MonthDec 2023: -0.68% |
| AvgΒ±SD |
Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation β the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.
This aggregates every month by calendar position β all Januaries together, all Februaries together, and so on β to show whether a given month has leaned positive or negative historically. βSimpleβ counts each month as +1 or β1. βWeightedβ gives larger moves more influence: +2 above +10%, β2 below β10%. With only 4 years of history for this asset, each monthβs score reflects a small number of observations β read it as a historical tendency, not a reliable seasonal pattern.
This tracks a running tally across the assetβs full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.
Year-to-date return is calculated by dividing each dayβs closing price by the price on January 1st of that year (or the assetβs first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen β at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in βAverage fromβ, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ1.30 K Cr | β | βΉ345.00 Cr | β | β | β | 28.1% | 45.6% |
| Mar 2024 | βΉ1.02 K Cr | β | βΉ237.00 Cr | β | β | β | 38.8% | 58.0% |
| Mar 2023 | βΉ734.00 Cr | β | βΉ150.00 Cr | β | β | β | 38.8% | 130.8% |
| Mar 2022 | βΉ529.00 Cr | β | βΉ65.00 Cr | β | β | β | 3.7% | -23.5% |
| Mar 2021 | βΉ510.00 Cr | β | βΉ85.00 Cr | β | β | β | 14.6% | 136.1% |
| Mar 2020 | βΉ445.00 Cr | β | βΉ36.00 Cr | β | β | β | 151.4% | 50.0% |
| Mar 2019 | βΉ177.00 Cr | β | βΉ24.00 Cr | β | β | β | β | β |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|
| Revenue | 177 | 445 | 510 | 529 | 734 | 1,019 | 1,305 | 1,493 |
| Finance Costs | 50 | 244 | 239 | 222 | 278 | 352 | 421 | 478 |
| Total Expenses | 89 | 134 | 149 | 210 | 247 | 338 | 409 | 472 |
| Financing Profit | 37 | 67 | 123 | 97 | 209 | 329 | 475 | 543 |
| Financing Margin % | 21% | 15% | 24% | 18% | 28% | 32% | 36% | 36% |
| Other Income | 0 | 0 | 1 | 1 | 5 | 1 | 0 | 1 |
| Depreciation & Amortisation | 2 | 8 | 10 | 12 | 13 | 13 | 17 | 19 |
| Profit Before Tax | 35 | 59 | 114 | 87 | 201 | 316 | 459 | 525 |
| Tax % | 30% | 39% | 25% | 26% | 26% | 25% | 25% | - |
| Net Profit / PAT | 24 | 36 | 85 | 65 | 150 | 237 | 345 | 393 |
| EPS (βΉ) | 0.36 | 0.46 | 1.03 | 0.77 | 1.67 | 2.21 | 3.18 | 3.61 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| SBFC Finance Limitedthis co. | βΉ11.19 K Cr | βΉ1.30 K Cr | 28.50 | 3.25 | 0.00 | 28.1% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |
