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 StockStrengths1
- Strong 5-year revenue CAGR of 18.0%
Concerns0
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
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 7 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 | TTM |
|---|---|
| Revenue | 1,493 |
| Finance Costs | 478 |
| Total Expenses | 472 |
| Financing Profit | 543 |
| Financing Margin % | 36% |
| Other Income | 1 |
| Depreciation & Amortisation | 19 |
| Profit Before Tax | 525 |
| Tax % | - |
| Net Profit / PAT | 393 |
| EPS (βΉ) | 3.61 |
| Dividend Payout % | - |
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% |