SBFC Finance

When is the next results date for SBFC Finance?

No Upcoming Board Meetings

Has SBFC Finance declared dividend?

No Dividend History Available

Who are the peers of the SBFC Finance?

SBFC Finance's peers include Piramal Enterprises, Manappuram Finance, IIFL Finance, Five-Star Business Finance, Capri Global, Bengal & Assam, Religare Enterprises, MAS Financial Services, Fedbank Financial, and Indostar Capital. SBFC Finance leads with a 1-year return of 45.16%, while Capri Global has the lowest at -17.05%.

Peers: The peers of SBFC Finance are Piramal Enterp., Manappuram Fin., IIFL Finance, Five-Star Bus.Fi, Capri Global, Bengal & Assam, Religare Enterp., MAS FINANC SER, Fedbank Financi., and Indostar Capital.<BR><BR>Quality Snapshot: Excellent management risk is observed at Five-Star Bus.Fi and Manappuram Fin., while Good management risk is found at IIFL Finance and MAS FINANC SER. Average management risk is present at Piramal Enterp., Capri Global, Bengal & Assam, Religare Enterp., and Fedbank Financi., and the rest. Below Average management risk is noted at Indostar Capital. Growth is Excellent at Five-Star Bus.Fi, Capri Global, and SBFC Finance, while Good growth is seen at Religare Enterp. Average growth is found at IIFL Finance and MAS FINANC SER, and the rest, while Below Average growth is noted at Piramal Enterp., Manappuram Fin., and Bengal & Assam. Capital Structure is Excellent across all peers except for Indostar Capital, which has an Excellent rating as well.<BR><BR>Return Snapshot: The peer with the highest 1-year return is SBFC Finance at 45.16%, while the lowest is Capri Global at -17.05%. SBFC Finance's 1-year return is significantly higher than all its peers. Additionally, Bengal & Assam and Fedbank Financi. have negative six-month returns.

Who are in the management team of SBFC Finance?

As of March 2023, the management team of SBFC Finance includes Neeraj Swaroop (Chairman), Aseem Dhru (Managing Director & CEO), and several nominees and independent directors, totaling nine key members responsible for the company's governance and operations.

As of March 2023, the management team of SBFC Finance includes the following individuals:<BR><BR>1. Neeraj Swaroop - Chairman & Independent Director<BR>2. Aseem Dhru - Managing Director & CEO<BR>3. Amol Krishna Jain - Nominee<BR>4. Arjun Sakhuja - Nominee<BR>5. John Mescall - Nominee<BR>6. Jonathan Tadeusz Tatur - Nominee<BR>7. Rajesh M Agrawal - Independent Director<BR>8. Surekha Marandi - Independent Director<BR>9. Jay Mistry - Company Secretary & Compliance Officer<BR><BR>Each member plays a crucial role in the governance and operational management of the company.

What does SBFC Finance do?

SBFC Finance Ltd is a Non-Banking Financial Company (NBFC) focused on providing financial services to small businesses, with a market cap of INR 12,826 Cr and a net profit of 939 Cr as of March 2025. The company was incorporated in 2008 and has undergone name changes, currently operating under the name SBFC Finance Ltd.

Overview: <BR>SBFC Finance Ltd operates as a Non Banking Financial Company (NBFC) in the mid-cap market segment, providing financial services primarily to small businesses.<BR><BR>History: <BR>SBFC Finance Ltd was originally incorporated on January 25, 2008, as MAPE Finserve Private Limited. The company changed its name to Small Business Fincredit India Private Limited on July 3, 2017. The most recent quarterly results reported net sales and net profit for the period ending March 2025.<BR><BR>Financial Snapshot: <BR>Net Sales: 3,607 Cr (Quarterly Results - Mar 2025) <BR>Net Profit: 939 Cr (Quarterly Results - Mar 2025) <BR>Market Cap: INR 12,826 Cr (Mid Cap)<BR><BR>Key Metrics: <BR>P/E: 37.00 <BR>Industry P/E: 23 <BR>Dividend Yield: 0.00% <BR>Debt Equity: 1.65 <BR>Return on Equity: 10.82% <BR>Price to Book: 4.03 <BR><BR>Contact Details: <BR>Address: 103 1st Fr C&B Square Sangam Comp, Andheri Kurla Road Vil-Chakala Mumbai Maharashtra : 400059 <BR>Tel: 91-22-67875344 <BR>Email: complianceofficer@sbfc.com <BR>Website: http://www.sbfc.com

Who are the top shareholders of the SBFC Finance?

The top shareholders of SBFC Finance include Sbfc Holdings Pte. Ltd. with 53.33%, 17 mutual fund schemes holding 15.56%, and 88 foreign institutional investors with 6.53%. SBI Small Cap Fund is the largest public shareholder at 8.53%, while individual investors collectively own 11.88%.

The top shareholders of SBFC Finance include a mix of promoters and institutional investors. The majority shareholder is Sbfc Holdings Pte. Ltd., which holds 53.33% of the company. There are also 17 mutual fund schemes that collectively hold 15.56%, while 88 foreign institutional investors (FIIs) own 6.53%. The highest public shareholder is SBI Small Cap Fund, with a holding of 8.53%. Additionally, individual investors have a combined stake of 11.88%. Overall, the promoter group holds a significant majority without any pledged holdings.

How big is SBFC Finance?

As of 24th July, SBFC Finance Ltd has a market capitalization of 12,957.00 Cr, with recent net sales of 1,306.15 Cr and a net profit of 345.29 Cr.

As of 24th July, SBFC Finance Ltd has a market capitalization of 12,957.00 Cr and is classified as a Mid Cap company.<BR><BR>For the latest four quarters, SBFC Finance reported Net Sales of 1,306.15 Cr and a Net Profit of 345.29 Cr.<BR><BR>The latest annual period for the balance sheet is March 2025, with Shareholder's Funds amounting to 3,190.07 Cr and Total Assets of 8,595.76 Cr.

Is SBFC Finance overvalued or undervalued?

As of October 31, 2025, SBFC Finance is fairly valued with a PE ratio of 34.09, an EV to EBIT of 18.51, and a ROE of 11.52%, outperforming the Sensex with a 26.17% year-to-date return, while its PEG ratio of 0.99 indicates reasonable pricing relative to growth potential compared to peers.

As of 31 October 2025, SBFC Finance has moved from an expensive to a fair valuation grade. The company is currently fairly valued based on its financial metrics. Key ratios include a PE ratio of 34.09, an EV to EBIT of 18.51, and a ROE of 11.52%. <BR><BR>In comparison with peers, SBFC Finance's PE ratio is lower than Bajaj Finance's 37.23, which is classified as very expensive, while it is significantly higher than Life Insurance's attractive PE of 11.62. The PEG ratio of 0.99 suggests that the stock is reasonably priced relative to its growth potential. Notably, SBFC Finance has outperformed the Sensex with a year-to-date return of 26.17% compared to the Sensex's 7.42%, reinforcing its fair valuation status.

How has been the historical performance of SBFC Finance?

SBFC Finance has shown significant growth over the past three years, with net sales increasing from 732.81 Cr in Mar'23 to 1,306.16 Cr in Mar'25, and profit after tax rising from 149.74 Cr to 345.30 Cr. Despite this positive trend in revenue and profitability, cash flow from operating activities remains negative.

Answer:<BR>The historical performance of SBFC Finance shows significant growth in key financial metrics over the past three years.<BR><BR>Breakdown:<BR>SBFC Finance has demonstrated a strong upward trend in net sales, increasing from 732.81 Cr in Mar'23 to 1,306.16 Cr in Mar'25. Total operating income followed a similar trajectory, reaching 1,306.16 Cr in Mar'25, up from 732.81 Cr in Mar'23. Operating profit (PBDIT) also saw substantial growth, climbing from 490.52 Cr in Mar'23 to 894.79 Cr in Mar'25. Profit before tax increased from 201.37 Cr in Mar'23 to 458.73 Cr in Mar'25, while profit after tax rose from 149.74 Cr to 345.30 Cr over the same period. The earnings per share (EPS) improved significantly, moving from 1.68 in Mar'23 to 3.18 in Mar'25. On the balance sheet, total assets grew from 5,746.44 Cr in Mar'23 to 8,595.76 Cr in Mar'25, with total liabilities also increasing from 5,746.44 Cr to 8,595.76 Cr. Cash flow from operating activities, however, remained negative, indicating ongoing challenges in cash generation despite the positive profit trends. Overall, SBFC Finance's financial performance reflects robust growth in revenue and profitability, alongside increasing asset and liability levels.

Is SBFC Finance technically bullish or bearish?

As of November 18, 2025, the trend is mildly bullish due to daily moving averages and a bullish KST, but caution is advised due to mildly bearish weekly MACD and OBV signals.

As of 18 November 2025, the technical trend has changed from bullish to mildly bullish. The current stance is mildly bullish, driven by daily moving averages indicating mild bullishness and a bullish KST on the weekly timeframe. However, the weekly MACD and OBV are mildly bearish, which suggests some caution. The Dow Theory shows a mixed picture with weekly mildly bearish and monthly bullish signals. Overall, while there are positive indicators, the presence of bearish signals in the weekly timeframe tempers the bullish outlook.

Are SBFC Finance Ltd latest results good or bad?

SBFC Finance Ltd's latest results show strong year-on-year growth with a net profit increase of 27.51%, but a slowdown in quarterly growth to 6.41% raises concerns about sustainability. Additionally, low return on equity and high leverage suggest potential risks for investors.

SBFC Finance Ltd's latest results present a mixed picture. On one hand, the company reported a net profit of ₹118.04 crores for Q3 FY26, which is a 6.41% increase quarter-on-quarter and a significant 27.51% growth year-on-year. This indicates strong annual expansion and suggests that the company is still managing to grow its profitability.<BR><BR>However, the sequential growth rate of 6.41% is a noticeable slowdown compared to the 15.36% growth recorded in the previous quarter, Q4 FY25. This deceleration raises concerns about the sustainability of its growth trajectory. Additionally, while net interest income increased by 8.15% quarter-on-quarter, the rising interest expenses, which jumped 19.42%, outpaced this growth, putting pressure on net interest margins.<BR><BR>Another critical concern is the company's return on equity (ROE), which stands at a low 10.77%. This level of capital efficiency is considered inadequate for a growth-oriented non-banking financial company (NBFC) like SBFC Finance, especially given its premium valuation with a P/E ratio of 28.48x compared to the industry average of 23x. The debt-to-equity ratio of 1.80x also indicates high leverage, which can amplify risks.<BR><BR>In summary, while SBFC Finance has shown impressive year-on-year growth, the recent slowdown in quarterly performance, coupled with concerns over capital efficiency and high leverage, suggests that the latest results may not be entirely favorable. Investors should weigh these factors carefully when assessing the company's outlook.

Should I buy, sell or hold SBFC Finance Ltd?

Why is SBFC Finance Ltd falling/rising?

As of 05-May, SBFC Finance Ltd's stock price is at 93.66, showing a slight increase but mixed performance overall. Despite recent gains, the year-to-date decline of 9.94% and decreasing investor participation suggest challenges, although strong long-term fundamentals remain.

As of 05-May, SBFC Finance Ltd's stock price is currently at 93.66, reflecting a slight increase of 0.24 (0.26%). Despite this rise, the stock has shown mixed performance in various time frames. Over the past week, it has underperformed with a decline of 0.91%, while it has seen a significant increase of 13.33% over the past month, indicating some recent positive momentum.<BR><BR>However, the year-to-date performance shows a decline of 9.94%, which is slightly worse than the Sensex's decline of 9.63%. Additionally, the stock has underperformed its sector by 0.87% today, suggesting that while there may be short-term gains, the overall trend is not strong.<BR><BR>Investor participation appears to be falling, as evidenced by a delivery volume of 8.93 lacs on May 4, which has decreased by 18.97% compared to the 5-day average. This decline in trading volume could indicate waning interest among investors, which might contribute to the stock's volatility.<BR><BR>On a positive note, SBFC Finance Ltd has demonstrated strong long-term fundamentals, with a compound annual growth rate (CAGR) of 33.65% in operating profits and a healthy growth rate of 31.83% in net sales. The company has consistently reported positive results for the last ten consecutive quarters, achieving record highs in net sales and operating profit.<BR><BR>The stock is trading at a premium compared to its peers, with a price-to-book value of 2.8, and has a favorable PEG ratio of 0.8, indicating that its profits have risen significantly despite the stock's negative return over the past year. Furthermore, high institutional holdings at 28.19% suggest confidence from larger investors, as their stake has increased by 1.78% over the previous quarter.<BR><BR>In summary, while SBFC Finance Ltd's stock price has seen a minor rise recently, the overall performance metrics indicate a complex situation with both positive long-term fundamentals and short-term challenges affecting investor sentiment.

Which are the latest news on SBFC Finance?