NSE / BSEFinancial Services
β‚Ή90.27-0.26-0.29%
P/E28.5Mkt Capβ‚Ή11.19 K CrEV/EBITDA0.0

SBFC Finance Limited

P/E28.5Mkt Capβ‚Ή11.19 K CrEV/EBITDA0.0
Company Profile

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

Market Cap
β‚Ή0.00
β€”
Current Price
β‚Ή0
β€”as of 28 Jul 2026
P/E Ratio
0.0x
β€”
P/B Ratio
0.0x
β€”
EV / EBITDA
β€”
β€”
EV / Sales
β€”
β€”
52W High
β‚Ή0
β€”
52W Low
β‚Ή0
β€”
Shares Out
0.00 Cr
β€”

Profitability

Operating Margin
0.0%
β€”
Net Profit Margin
0.0%
β€”
EBITDA Margin
0.0%
β€”

Returns

ROE
0.0%
β€”
ROCE
0.0%
β€”
ROIC %
β€”
β€”
ROA
0.0%
β€”
Dividend Payout
0.0%
β€”

Solvency

Current Ratio
0.0x
β€”
Debt / Equity
β€”
β€”
Debt / Assets
0.0x
β€”
CFO / Net Profit
0.0x
β€”
Interest Coverage
β€”
β€”

AI Summary

Indian Stock

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Rule-based from financial data. Not advice.

Price Historyβ–Ό 18.86% over 1Y
Monthly Returns

Historically, Apr has averaged the highest return (+12.1%); Jan the lowest (-7.8%).

Average from:
YearJanFebMarAprMayJunJulAugSepOctNovDec
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%
2023β€”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-7.8%Β±7.6%+2.3%Β±6.0%-5.4%Β±5.6%+12.1%Β±3.7%+0.7%Β±7.4%+0.2%Β±0.9%-1.4%Β±3.9%-0.1%Β±0.5%+2.4%Β±7.3%-0.5%Β±6.4%+1.3%Β±5.7%-0.1%Β±3.5%
* Current month β€” value will change until month-end.

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.

Seasonal Tendency

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. β€˜Simple’ counts each month as +1 or βˆ’1. β€˜Weighted’ gives larger moves more influence: +2 above +10%, βˆ’2 below βˆ’10%. With only 4 years of history for this asset, each month’s score reflects a small number of observations β€” read it as a historical tendency, not a reliable seasonal pattern.

Historical Trend

This tracks a running tally across the asset’s 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 ROI
Average from:
SD Γ—
Latest: 0.868x (2026)

Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s 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 β€œAverage from”, 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 (β‚Ή 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

Revenueβ‚Ή1.30 K Crβ–² 28.1%
EBITDA Growthβ€”
Net Profitβ‚Ή345.00 Crβ–² 45.6%
Cash from Ops (CFO)β€”
Free Cash Flow (FCF)β€”β–² 2.5%
Revenue CAGR 5Y18.0%
EBITDA CAGR 5Y0.0%
Net Profit CAGR 5Y45.8%
NP Growth 1Y45.6%

Historical Growth

Year-by-year revenue, profitability, and cash flow (β‚Ή Crores, last 10 years)

YearRevenueOp. IncomeNet ProfitCFOFCFROERev Growth 1YNP Growth 1Y
Mar 2025β‚Ή1.30 K Crβ€”β‚Ή345.00 Crβ€”β€”β€”28.1%45.6%
Mar 2024β‚Ή1.02 K Crβ€”β‚Ή237.00 Crβ€”β€”β€”38.8%58.0%
Mar 2023β‚Ή734.00 Crβ€”β‚Ή150.00 Crβ€”β€”β€”38.8%130.8%
Mar 2022β‚Ή529.00 Crβ€”β‚Ή65.00 Crβ€”β€”β€”3.7%-23.5%
Mar 2021β‚Ή510.00 Crβ€”β‚Ή85.00 Crβ€”β€”β€”14.6%136.1%
Mar 2020β‚Ή445.00 Crβ€”β‚Ή36.00 Crβ€”β€”β€”151.4%50.0%
Mar 2019β‚Ή177.00 Crβ€”β‚Ή24.00 Crβ€”β€”β€”β€”β€”

Financial Statements

Income statement, balance sheet, and cash flow (β‚Ή Crores, as reported)

Consolidated Figures in USD Millions.

Unnamed: 0Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue1774455105297341,0191,3051,493
Finance Costs50244239222278352421478
Total Expenses89134149210247338409472
Financing Profit376712397209329475543
Financing Margin %21%15%24%18%28%32%36%36%
Other Income00115101
Depreciation & Amortisation28101213131719
Profit Before Tax355911487201316459525
Tax %30%39%25%26%26%25%25%-
Net Profit / PAT24368565150237345393
EPS (β‚Ή)0.360.461.030.771.672.213.183.61
Dividend Payout %0%0%0%0%0%0%0%-

Peer Comparison

Financials sector peers, ranked by market cap

CompanyMarket CapRevenueP/EP/BEV/EBITDARev G 1Y
SBFC Finance Limitedthis co.β‚Ή11.19 K Crβ‚Ή1.30 K Cr28.503.250.0028.1%
HDFC Bank Ltd.β‚Ή14.43 L Crβ‚Ή3.01 L Cr20.302.78β€”16.3%
ICICI Bank Ltd.β‚Ή10.28 L Crβ‚Ή1.63 L Cr20.703.32β€”14.3%
State Bank Of Indiaβ‚Ή9.49 L Crβ‚Ή4.62 L Cr13.301.83β€”11.4%
Bajaj Finance Limitedβ‚Ή5.91 L Crβ‚Ή61.95 K Cr36.806.33β€”32.0%
LIFE INSURANCE CORPORATION OF INDIAβ‚Ή5.26 L Crβ‚Ή8.87 L Cr10.303.739.875.2%
Kotak Mahindra Bank Ltd.β‚Ή4.24 L Crβ‚Ή52.92 K Cr31.703.39β€”15.5%
Industry Averageβ€”β‚Ή30.80 K Cr45.914.8770.9114.6%

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