SBFC Finance Limited share price
SBFC Finance Limited, a non-banking financial company, engages in fund-based financing activity in India. The company offers secured loans for micro, small, and medium enterprises (MSME); loans against gold; unsecured personal loans and unsecured business loans; and loan management services. It 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. SBFC Finance Limited was incorporated in 2008 and is headquartered in Mumbai, India. SBFC Finance Limited operates as a subsidiary of SBFC Holdings Pte. Ltd.Read more
- Market Cap₹ 9,467 Cr.
- Current Price₹ 85.20
- High / Low₹ 123 / 80
- Stock P/E19.7
- Book Value₹ 34
- Dividend Yield0.00 %
- Price / Book2.53
- ROE13.00 %
- Face Value₹ 10.0
More figures (8)
- EPS (TTM)₹ 4.33
- Net margin27.5 %
- Sales growth (4Y)37.0 %
- Profit growth (4Y)44.4 %
- Promoter holding61.3 %
- EV / EBITDA—
- Beta0.63
- All-time high₹ 123
Price chart
| Returns | 1M | 3M | 6M | YTD | 1Y | 3Y CAGR | 5Y CAGR |
|---|---|---|---|---|---|---|---|
| SBFC | -9.03% | -9.30% | -13.01% | -18.12% | -21.05% | +0.41% | — |
| Nifty 50 | -0.31% | -3.85% | -4.34% | -11.42% | -9.53% | +5.46% | +4.76% |
Price returns only (dividends not included). Prices from NSE via Yahoo Finance; may be delayed.
Quick take
- SBFC Finance Limited is in the Credit Services industry (Financial Services), with a market value of ₹9,467 crore.
- It trades at 19.7 times its last 12 months' earnings and 2.5 times book value.
- Revenue grew 37.0% a year over the last 4 years, profit 44.4% a year.
- Return on equity was 13.0% in the latest year.
- The share price is 30.7% below its 52-week high and down 21.1% over one year.
- Promoters and insiders hold about 61.3%; institutions about 24.7%.
Pros
AI- Latest quarter (Jun 2026): sales up 27% and profit up 29% from a year ago.
- Trades at 19.7 times earnings, below its 3-year median of 30.9.
- Institutional (FII + DII) holding has risen by 12.8 points over 3 years.
Cons
AI- Promoter holding has fallen by 11.74 points over 3 years, to 52.31%.
- The company has not paid a dividend recently.
Pros and cons are generated automatically from the reported figures. They are observations, not a recommendation to buy or sell.
AI analysis
Plenitude AI reads the figures on this page and explains them in plain language. It does not say whether to buy or sell.
About SBFC Finance Limited
SBFC Finance Limited, a non-banking financial company, engages in fund-based financing activity in India. The company offers secured loans for micro, small, and medium enterprises (MSME); loans against gold; unsecured personal loans and unsecured business loans; and loan management services. It 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. SBFC Finance Limited was incorporated in 2008 and is headquartered in Mumbai, India. SBFC Finance Limited operates as a subsidiary of SBFC Holdings Pte. Ltd.
- Employees
- 5,055
- Head office
- Mumbai
- NSE industry
- Financial Services
Peer comparison
Financial ServicesFinancial ServicesCredit Services
Part ofNifty Microcap 250
| S.No. | Company | CMP ₹ | P/E | Mar Cap ₹ Cr | Div Yld % | NP Qtr ₹ Cr | Qtr Profit Var % | Sales Qtr ₹ Cr | Qtr Sales Var % | ROCE % | ROE % | P/B | OPM % | Debt / Eq | Prom. Hold. % | Sales ₹ Cr | Sales Var 3Yrs % |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | SBFC Finance | 85.20 | 19.7 | 9,467 | 0.00 | 130 | 28.97 | 491 | 26.52 | 8.1 | 13.0 | 2.53 | 48.3 | 1.92 | 61.31 | 1,679 | 37.0 |
| 2. | Bajaj Finance | 982.10 | 29.4 | 6,11,250 | 0.56 | 5,986 | 27.37 | 14,171 | 21.20 | — | 18.1 | 5.36 | — | 3.10 | 56.50 | 49,665 | 22.6 |
| 3. | Shriram Finance | 939.95 | 16.6 | 2,21,178 | 1.14 | 3,453 | 61.06 | 7,923 | 30.61 | — | 16.4 | 2.68 | — | 2.76 | 22.17 | 25,034 | 13.9 |
| 4. | Tata Capital | 322.80 | 25.3 | 1,36,115 | 0.18 | 1,628 | — | 8,822 | — | 3.7 | 12.3 | 2.97 | 28.9 | 4.97 | 85.96 | 31,540 | 34.5 |
| 5. | Cholamandalam Investment and Finance Company | 1,574.40 | 23.3 | 1,35,007 | 0.13 | 1,656 | 45.56 | 8,856 | 21.87 | — | 19.3 | 4.40 | — | 6.95 | 51.95 | 31,073 | 32.8 |
| 6. | Power Finance Corporation | 333.25 | 4.2 | 1,09,976 | 4.56 | 8,998 | 0.18 | 28,527 | -0.04 | — | 20.7 | 0.77 | — | 7.62 | 56.00 | 1,15,444 | 16.2 |
| 7. | Indian Railway Finance Corporation | 80.25 | 14.2 | 1,04,875 | 2.66 | 1,958 | -44.40 | 7,866 | -40.80 | 3.8 | 12.8 | 1.85 | 64.8 | 7.69 | 82.90 | 27,285 | 4.6 |
| 8. | Muthoot Finance | 2,598.30 | 9.2 | 1,04,314 | 1.15 | 2,799 | 38.83 | 5,236 | 27.38 | — | 30.9 | 2.57 | — | 3.86 | 73.35 | 20,265 | 38.0 |
| 9. | REC | 307.80 | 5.1 | 81,051 | 4.39 | 4,193 | -2.72 | 4,430 | -31.54 | — | 20.0 | 0.96 | — | 6.05 | 52.65 | 21,834 | 14.4 |
| 10. | L&T Finance | 253.85 | 18.6 | 63,625 | 1.05 | 902 | 41.86 | 3,086 | 32.29 | — | 11.1 | 2.26 | — | 3.94 | 65.95 | 10,635 | 17.7 |
| Median: 33 Co. | 328.03 | 16.4 | 30,564 | 0.39 | 2,379 | 28.97 | 7,895 | 21.87 | 3.8 | 13.0 | 1.98 | 36.2 | 4.46 | 58.91 | 26,159 | 17.7 |
Companies in the same industry; the median covers every company in it that we hold figures for. Tap a heading to sort. Sorting and comparing are ways to explore data, not recommendations.
Quarterly Results
Standalone figures in ₹ crore
Source: the company's results filed with NSE, as reported. Tap a row marked + for its breakdown. Latest quarter on the right.
Profit & Loss
Standalone figures in ₹ crore
Projection — your assumptions
Starts from the last four reported quarters (TTM) and applies the figures you enter; growth is pre-filled with the company's own past sales growth. This is a what-if calculator for illustration, not a forecast, estimate or recommendation.
Related party transactions
Related-party transactions are dealings with promoters, directors, subsidiaries and associates. Companies disclose them to the exchanges every half-year and in detail in the notes to their annual report.
- Related Party TransactionsSBFC Finance Limited has informed the Exchange about related Party Transactions for the half year ended 30th September, 202426-Oct-2024
- Related Party TransactionsSBFC Finance Limited has informed the Exchange about related Party Transactions for the half year ended September 30, 202327-Oct-2023
Full details: notes to the Financial Year 2026 annual report (related party disclosures).
| ₹ Cr | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|
| 1,019 | 1,305 | 1,679 | 1,782 | |
| YOY Revenue Growth % | 28.14% | 28.63% | ||
| Interest | 351 | 419 | 537 | 565 |
| 353 | 428 | 539 | 576 | |
| Employee Cost % | 21% | 19% | 17% | 17% |
| Credit Cost % | 5% | 6% | 7% | 8% |
| Other Expenses % | 7% | 6% | 6% | 6% |
| Financing Profit | 315 | 458 | 603 | 641 |
| Financing Margin % | 31% | 35% | 36% | 36% |
| Other Income | 1 | 1 | 1 | 1 |
| Depreciation | 13 | 17 | 20 | 20 |
| Profit before tax | 316 | 459 | 604 | 642 |
| 25% | 25% | 25% | 25% | |
| Current tax | 77 | 121 | 170 | |
| Deferred tax | 2 | -8 | -17 | |
| 237 | 345 | 451 | 480 | |
| YOY Profit Growth % | 45.63% | 30.61% | ||
| EPS in Rs | 2.35 | 3.20 | 4.13 | 4.38 |
Compounded Sales Growth
- TTM:
- 28%
Compounded Profit Growth
- TTM:
- 31%
Stock Price CAGR
- 3 Years:
- 0%
- 1 Year:
- -21%
Return on Equity
- 4 Years:
- 11%
- Last Year:
- 13%
Financial years ending March; TTM = the last four quarters. Source: the company's results filed with NSE, as reported. Tap a row marked + for its breakdown. Dividend payout = dividends paid in the year ÷ net profit.
Balance Sheet
Consolidated figures in ₹ crore, as at 31 March
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Equity Capital | 890 | 1,072 | 1,085 | 1,106 |
| Reserves | 838 | 1,706 | 2,105 | 2,619 |
| 3,739 | 3,996 | 5,264 | 7,162 | |
| Long term borrowings | 2,611 | 2,571 | 3,542 | 4,906 |
| Short term borrowings | 1,128 | 1,425 | 1,723 | 2,256 |
| 280 | 289 | 141 | 199 | |
| Trade payables | 9 | 11 | 9 | 11 |
| Current liabilities | 1,390 | 1,696 | 1,848 | 2,435 |
| Total Liabilities | 5,746 | 7,063 | 8,596 | 11,085 |
| 34 | 38 | 44 | 50 | |
| Gross block | 62 | 78 | 89 | 108 |
| Accumulated depreciation | 28 | 40 | 45 | 58 |
| Goodwill & intangibles | 263 | 263 | 265 | 267 |
| CWIP | 0 | 0 | 1 | 1 |
| 5,712 | 7,025 | 8,551 | 11,035 | |
| Trade receivables | 9 | 4 | 5 | 0 |
| Cash & equivalents | 184 | 225 | 265 | 481 |
| Current assets | 1,519 | 2,852 | 3,238 | 4,417 |
| Total Assets | 5,746 | 7,063 | 8,596 | 11,085 |
Source: Yahoo Finance (compiled from the annual reports). Tap a row marked + for its breakdown.
Cash Flows
Consolidated figures in ₹ crore, financial years ending March
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| -1,245 | -1,155 | -1,415 | -1,893 | |
| Profit for the year | 150 | 237 | 345 | 451 |
| Working capital changes | -1,412 | -1,473 | -1,848 | -2,453 |
| Direct taxes paid | -62 | -90 | -124 | -167 |
| 206 | 159 | 176 | 131 | |
| Fixed assets purchased | -9 | -12 | -12 | -15 |
| Fixed assets sold | 0 | 0 | 0 | |
| Investments purchased | -2,524 | -3,166 | -3,719 | -5,705 |
| Investments sold | 2,738 | 3,337 | 3,885 | 5,850 |
| 1,071 | 1,037 | 1,281 | 1,977 | |
| Proceeds from borrowings | 1,712 | 1,720 | 2,836 | 4,445 |
| Repayment of borrowings | -915 | -1,470 | -1,597 | -2,537 |
| Interest paid | -1 | -1 | -1 | -2 |
| Net Cash Flow | 32 | 41 | 41 | 216 |
| Free Cash Flow | -1,253 | -1,167 | -1,427 | -1,907 |
Free cash flow = cash from operations − capital expenditure. Source: Yahoo Finance.
Ratios
| Ratio | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| ROE | — | 8.7% | 10.5% | 11.6% | 13.0% |
| Net margin | — | 23.5% | 25.3% | 27.9% | 27.5% |
Computed from the reported statements: ROE on average equity; ROCE = EBIT / (total assets − current liabilities). Debtor days = receivables ÷ sales × 365; inventory and payable days use cost of goods sold; cash conversion cycle = debtor + inventory − payable days; working capital days = (current assets − current liabilities) ÷ sales × 365.
Shareholding Pattern
Numbers in percentages · as filed with NSE each quarter
- Promoters 52.31%
- FIIs 7.22%
- DIIs 20.71%
- Public 19.70%
| % | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 64.05% | 63.73% | 60.66% | 55.19% | 55.05% | 54.75% | 53.33% | 53.19% | 52.98% | 52.82% | 52.35% | 52.31% |
| 2.74% | 2.23% | 2.86% | 4.72% | 4.56% | 4.92% | 6.53% | 7.12% | 7.01% | 6.88% | 6.21% | 7.22% | |
| Foreign portfolio investors (Cat. I) | 2.74% | 2.23% | 2.84% | 4.63% | 4.33% | 4.69% | 5.98% | 6.49% | 6.13% | 6.31% | 5.93% | 6.67% |
| Foreign portfolio investors (Cat. II) | 0.02% | 0.09% | 0.23% | 0.23% | 0.55% | 0.63% | 0.88% | 0.57% | 0.28% | 0.55% | ||
| 12.41% | 11.94% | 13.52% | 16.24% | 16.26% | 16.46% | 17.66% | 17.00% | 18.20% | 19.53% | 21.97% | 20.71% | |
| Mutual funds | 10.79% | 10.15% | 11.58% | 14.01% | 14.15% | 14.47% | 15.56% | 14.51% | 15.38% | 15.25% | 15.77% | 15.56% |
| Insurance companies | 0.81% | 0.89% | 0.97% | 0.85% | 0.74% | 0.69% | 0.74% | 1.09% | 1.40% | 2.99% | 4.88% | 3.74% |
| Alternative investment funds | 0.82% | 0.90% | 0.98% | 1.38% | 1.37% | 1.31% | 1.37% | 1.39% | 1.43% | 1.29% | 1.32% | 1.42% |
| 20.35% | 21.88% | 22.78% | 23.69% | 24.01% | 23.78% | 22.40% | 22.62% | 21.74% | 20.70% | 19.40% | 19.70% | |
| Retail (up to ₹2 lakh) | 3.10% | 3.75% | 4.63% | 5.17% | 5.75% | 5.65% | 5.19% | 4.98% | 4.91% | 4.99% | 4.57% | 4.55% |
| HNIs (above ₹2 lakh) | 6.00% | 6.53% | 6.96% | 7.07% | 6.99% | 7.07% | 6.69% | 3.38% | 3.63% | 3.85% | 2.92% | 3.20% |
| NRIs | 0.12% | 0.19% | 0.25% | 0.36% | 0.37% | 0.39% | 0.47% | 0.60% | 0.59% | 0.62% | 0.50% | 0.48% |
| Bodies corporate | 0.71% | 0.67% | 0.72% | 0.85% | 0.94% | 0.76% | 0.65% | 0.82% | 0.90% | 1.07% | 0.70% | 1.11% |
| No. of Shareholders | 1,19,109 | 1,29,470 | 1,35,768 | 1,38,991 | 1,63,595 | 1,62,908 | 1,53,744 | 1,42,155 | 1,42,669 | 1,46,556 | 1,38,467 | 1,34,577 |
Source: shareholding patterns filed by the company with NSE. Public = non-institutional holders. Tap a row marked + for its breakdown.
Mutual funds & institutions holding SBFC Finance
| Holder (above 1%) | Stake |
|---|---|
| SBI Nifty 500 Index FundMutual fund | 8.10% |
| Aditya Birla Sun Life Trustee Private Limited A/CMutual fund | 5.14% |
| Icici Prudential Life Insurance Company LimitedInsurance | 1.70% |
As named in the shareholding pattern for Jun 2026 filed with NSE; mutual funds together hold 15.56% of the company. Shareholders below 1% are not named in the filing.
Documents
Announcements
- UpdatesSbfc Finance Limited has informed the Exchange regarding 'Disclosure under Regulation 6(1) and Regulation 7(1) of SEBI(LODR), 2015.'.13-Oct-2026
- Certificate under SEBI (Depositories and Participants) Regulations, 2018Sbfc Finance Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 201808-Oct-2026
- Allotment of SecuritiesSbfc Finance Limited has informed the Exchange regarding allotment of 2889503 securities pursuant to ESOP/ESPS at its meeting held on October 07, 202607-Oct-2026
- Trading WindowSbfc Finance Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 201525-Sep-2026
- Allotment of SecuritiesSbfc Finance Limited has informed the Exchange regarding allotment of 10000 secured, listed, redeemable, rated non convertible debentures on a private placement basis on September…18-Sep-2026
- General UpdatesSbfc Finance Limited has informed the Exchange about ESG Rating.16-Sep-2026
- Allotment of SecuritiesSbfc Finance Limited has informed the Exchange regarding allotment of 815852 securities pursuant to ESOP/ESPS at its meeting held on September 03, 202603-Sep-2026
- General UpdatesSBFC Finance Limited has informed the Exchange about ESG Rating.03-Sep-2026
- General UpdatesSbfc Finance Limited has informed the Exchange about General Updates17-Aug-2026
- Allotment of SecuritiesSbfc Finance Limited has informed the Exchange regarding allotment of 899942 securities pursuant to ESOP on July 31, 202631-Jul-2026
- Copy of Newspaper PublicationSBFC Finance Limited has informed the Exchange about Copy of Newspaper Publication pertaining to Financial Results for the quarter ended 30th June, 202627-Jul-2026
- Outcome of Board MeetingSBFC Finance Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.25-Jul-2026
Annual reports
Credit ratings
Concalls & investor meets
- Analysts/Institutional Investor Meet/Con. Call UpdatesSbfc Finance Limited has informed the Exchange about Transcript31-Jul-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesSbfc Finance Limited has informed the Exchange about Link of Recording25-Jul-2026
- Investor PresentationSbfc Finance Limited has informed the Exchange about Investor Presentation25-Jul-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesSbfc Finance Limited has informed the Exchange about Schedule of meet22-Jul-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesSbfc Finance Limited has informed the Exchange about Transcript05-May-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesSbfc Finance Limited has informed the Exchange about Link of Recording27-Apr-2026
- Investor PresentationSbfc Finance Limited has informed the Exchange about Investor Presentation25-Apr-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesSbfc Finance Limited has informed the Exchange about Schedule of meet22-Apr-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesSbfc Finance Limited has informed the Exchange about Schedule of meet20-Mar-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesSbfc Finance Limited has informed the Exchange about Attending the Investor Conference17-Feb-2026
Filings made by the company with NSE; documents open on NSE's website.
Key dates
- Ex-dividend date
- 1 Jan 1970
- Latest quarter
- 30 Jun 2026
- Financial year end
- 31 Mar 2026
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Latest news
In the news
- SBFC Finance (NSE:SBFC): What Does India Ratings' Affirmation of Prime Trust LAP Aug 22 Mean?Kalkine India · 2 d ago
- SBFC Finance vs Nifty 50: 1Y Return -22.40% vs -10.93%Univest · 4 d ago
- SBFC Finance Ltd Valuation Shifts to Very Attractive Amid Market PressureMarketsMojo · 4 d ago
- SBFC Finance expects to hold 9% NIMs amid rate hikes, says Aseem DhruMoneycontrol.com · 8 Oct 2026
- SBFC Finance focused on credit quality, not chasing growth, says Executive Vice Chairman Aseem DhruCNBC TV18 · 8 Oct 2026
- SBFC Finance Share Price Today: Near Low, Valuation ViewUnivest · 7 Oct 2026
- SBFC Finance ESOP Allotment: 28.89 Lakh Shares Issued in Oct 2026Kalkine India · 7 Oct 2026
- Is SBFC Finance the Best Stock in Its Sector? A Look at the NumbersUnivest · 7 Oct 2026
- SBFC Finance Ltd. Financials – Balance Sheet, Profit & Loss, Cash FlowValue Research · 5 Oct 2026
- SBFC Finance Share: Bull Case vs Bear Case for 2026Univest · 24 Sep 2026
- SBFC Finance (SBFC.NS) Slips to ₹90.77 as Stock Holds Mid-Range Support - Bear Flaghttps://www.siam.in/ · 22 Sep 2026
- SBFC Finance allot ₹100 crore secured NCDs at floating couponscanx.trade · 18 Sep 2026
From the company (NSE)
- UpdatesSbfc Finance Limited has informed the Exchange regarding 'Disclosure under Regulation 6(1) and Regulation 7(1) of SEBI(LODR), 2015.'.NSE filing · 13-Oct-2026
- Certificate under SEBI (Depositories and Participants) Regulations, 2018Sbfc Finance Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018NSE filing · 08-Oct-2026
- Allotment of SecuritiesSbfc Finance Limited has informed the Exchange regarding allotment of 2889503 securities pursuant to ESOP/ESPS at its meeting held on October 07, 2026NSE filing · 07-Oct-2026
- Trading WindowSbfc Finance Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015NSE filing · 25-Sep-2026
- Allotment of SecuritiesSbfc Finance Limited has informed the Exchange regarding allotment of 10000 secured, listed, redeemable, rated non convertible debentures on a private placement basis on September…NSE filing · 18-Sep-2026
- General UpdatesSbfc Finance Limited has informed the Exchange about ESG Rating.NSE filing · 16-Sep-2026
- Allotment of SecuritiesSbfc Finance Limited has informed the Exchange regarding allotment of 815852 securities pursuant to ESOP/ESPS at its meeting held on September 03, 2026NSE filing · 03-Sep-2026
- General UpdatesSBFC Finance Limited has informed the Exchange about ESG Rating.NSE filing · 03-Sep-2026
Headlines from news publishers (via Google News) and the filings of the company with NSE; they open on the source website. Headlines with price targets or buy/sell calls are left out. News is for information only and is not a recommendation.
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