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?

Which are the latest news on SBFC Finance?

Why is SBFC Finance Ltd falling/rising?

As of 17-Mar, SBFC Finance Ltd's stock price is at Rs 90.00, down 1.32%, and has underperformed the Sensex, which declined by 2.73%. Despite strong long-term fundamentals, the stock is experiencing a bearish trend and significant year-to-date decline of 13.46%.

As of 17-Mar, SBFC Finance Ltd's stock price is falling, currently at Rs 90.00, reflecting a decrease of Rs 1.2 or 1.32%. The stock has underperformed compared to the benchmark Sensex, which has declined by 2.73% over the past week, while SBFC Finance has seen a larger drop of 3.20%. Additionally, the stock has been trading below its moving averages across various time frames, indicating a bearish trend.<BR><BR>Today, the stock reached an intraday low of Rs 89, marking a decline of 2.41%. Despite a rise in investor participation, with delivery volume increasing by 3.7% against the 5-day average, the overall performance remains weak. The stock has also experienced a significant year-to-date decline of 13.46%, compared to a lesser drop of 10.74% in the Sensex.<BR><BR>While SBFC Finance Ltd has demonstrated strong long-term fundamentals, including a 31.75% CAGR growth in operating profits and positive results for the last nine consecutive quarters, these factors have not translated into short-term stock price stability. The stock's premium valuation compared to peers and the recent performance metrics suggest that current market sentiment is not favorable, contributing to the ongoing decline in its stock price.

Why is SBFC Finance Ltd falling/rising?

As of 18-Mar, SBFC Finance Ltd's stock price is at 89.00, down 0.78%, and has underperformed its sector. The stock is in a bearish trend, trading below all key moving averages, with significant declines over various time frames, despite strong long-term fundamentals and high institutional holdings.

As of 18-Mar, SBFC Finance Ltd's stock price is falling, currently at 89.00, reflecting a decrease of 0.7 or 0.78%. The stock has underperformed its sector by 2.13% today and has experienced a consecutive decline over the last two days, resulting in a total drop of 2.41% during this period. Additionally, the stock is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating a bearish trend.<BR><BR>In the broader context, the stock has shown negative performance over various time frames, with a 1-week decline of 3.77% and a 1-month decline of 8.19%. Year-to-date, it has fallen by 14.42%, which is significantly worse than the Sensex's decline of 9.99% in the same period. Despite a positive annual return of 5.66%, the stock's recent performance suggests a lack of momentum.<BR><BR>However, there are some positive factors that could influence future performance. The company has demonstrated strong long-term fundamental strength, with a 31.75% compound annual growth rate (CAGR) in operating profits and positive results for the last nine consecutive quarters. Furthermore, institutional holdings are high at 26.41%, indicating confidence from larger investors. Despite these strengths, the current downward trend in stock price is primarily driven by recent poor performance metrics and market conditions.

Why is SBFC Finance Ltd falling/rising?

As of 19-Mar, SBFC Finance Ltd's stock price is at Rs 85.66, down 3.55%, and has declined for three consecutive days, totaling a 6.07% drop. The stock is underperforming against the Sensex and trading below key moving averages, indicating a bearish trend despite increased investor interest.

As of 19-Mar, SBFC Finance Ltd's stock price is falling, currently at Rs 85.66, reflecting a change of -3.15 (-3.55%). The stock has been on a downward trend, having lost value for the last three consecutive days, with a total decline of -6.07% during this period. Additionally, the stock is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating a bearish trend.<BR><BR>In terms of performance relative to the market, SBFC Finance Ltd has underperformed compared to the Sensex, with a 1-week decline of -7.28% against the Sensex's -2.40%. Over the past month, the stock has decreased by -10.03%, which is slightly better than the Sensex's -10.05%. Year-to-date, the stock has fallen by -17.63%, while the Sensex has decreased by -12.92%. <BR><BR>Today's trading activity shows that the stock touched an intraday low of Rs 85.45, reflecting a decline of -3.78%. Despite this, there has been a notable increase in investor participation, with delivery volume rising by 545.09% compared to the 5-day average, suggesting some interest in the stock despite its falling price.<BR><BR>Overall, the combination of consecutive price declines, underperformance against the benchmark, and trading below key moving averages are contributing factors to the current downward movement of SBFC Finance Ltd's stock price.

Why is SBFC Finance Ltd falling/rising?

As of 20-Mar, SBFC Finance Ltd's stock price is rising to 87.35 after a trend reversal, despite recent declines over the past week and month. The stock shows strong fundamentals and institutional support, contributing to a positive investor sentiment.

As of 20-Mar, SBFC Finance Ltd's stock price is rising, currently at 87.35, reflecting a change of 1.69 (1.97%) upward. This increase comes after a trend reversal, as the stock has gained following three consecutive days of decline. Additionally, the stock has outperformed its sector by 2.54% today, indicating a positive shift in investor sentiment.<BR><BR>Despite the recent rise, the stock has experienced a decline over the past week and month, with decreases of 4.00% and 9.36%, respectively. However, it is important to note that the stock has shown a positive return of 4.41% over the past year, while its profits have increased by 30.3%. This growth is supported by strong long-term fundamentals, including a 31.75% compound annual growth rate (CAGR) in operating profits and positive results for the last nine consecutive quarters.<BR><BR>The stock's performance today also included an intraday high of Rs 88.38, which is a 3.18% increase, although it faced a low of Rs 83.8, reflecting some volatility. Furthermore, the stock is currently trading below its moving averages, indicating a potential area of concern for some investors. However, high institutional holdings at 26.41% suggest confidence from larger investors, who have increased their stake by 1.2% over the previous quarter.<BR><BR>Overall, the combination of a recent upward movement, strong fundamentals, and institutional support contributes to the current rise in SBFC Finance Ltd's stock price.

Why is SBFC Finance Ltd falling/rising?

As of 23-Mar, SBFC Finance Ltd's stock price is at Rs 84.61, down 3.14% and part of a broader decline, underperforming against the Sensex. Despite strong long-term fundamentals, the stock's consistent underperformance and bearish trend have raised investor concerns.

As of 23-Mar, SBFC Finance Ltd's stock price is falling, currently at Rs 84.61, reflecting a decrease of Rs 2.74 or 3.14%. The stock opened with a loss of 3.48% today and reached an intraday low of Rs 82.51, which is 5.54% lower than its previous close. This decline is part of a broader trend, as the stock has underperformed against the benchmark Sensex, with a 1-week drop of 7.23% compared to the Sensex's 3.72% decline, and a year-to-date decrease of 18.64% versus the Sensex's 14.70% drop.<BR><BR>Additionally, the stock is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating a bearish trend. Investor participation has also decreased significantly, with delivery volume falling by 71.53% against the 5-day average. The finance sector, in which SBFC operates, has seen a decline of 3.81%, further contributing to the stock's downward pressure.<BR><BR>Despite the company's strong long-term fundamentals, including a 31.75% CAGR growth in operating profits and positive results over the last nine quarters, the stock's consistent underperformance against benchmarks over the past three years has raised concerns among investors. This combination of factors has led to the current decline in SBFC Finance Ltd's stock price.

Why is SBFC Finance Ltd falling/rising?

As of 24-Mar, SBFC Finance Ltd's stock price is at Rs 84.52, reflecting a downward trend with a year-to-date decline of -18.73% and significant underperformance compared to the Sensex. Despite strong long-term fundamentals, the stock is trading below key moving averages and close to its 52-week low, indicating weak market sentiment.

As of 24-Mar, SBFC Finance Ltd's stock price is falling, currently at Rs 84.52, reflecting a change of -0.09 (-0.11%). The stock has been experiencing a downward trend, having lost -3.24% over the last two days and underperforming its sector by -2.43% today. Additionally, the stock is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating a weak performance relative to its historical price trends.<BR><BR>In terms of broader performance, SBFC Finance Ltd has seen a significant decline over various periods, with a year-to-date drop of -18.73% compared to a -13.09% decline in the Sensex. Over the past month, the stock has decreased by -12.63%, while the Sensex has only fallen by -9.92%. This underperformance is compounded by a notable decrease in investor participation, with delivery volume falling by -41.85% against the 5-day average.<BR><BR>Despite the company showing strong long-term fundamental strength, including a 31.75% CAGR growth in operating profits and positive results for the last nine consecutive quarters, the stock's recent performance has not reflected this strength. The stock has generated a return of -5.67% over the past year, while its profits have risen by 30.3%, indicating a disconnect between stock performance and underlying financial health. Furthermore, the stock is currently close to its 52-week low, being only 4.63% away from Rs 80.61.<BR><BR>Overall, the combination of poor recent performance, declining investor interest, and the stock trading below key moving averages contributes to the current downward trend in SBFC Finance Ltd's stock price.

Why is SBFC Finance Ltd falling/rising?

As of 25-Mar, SBFC Finance Ltd's stock price is Rs 84.20, down 0.38%, and has declined 12.35% over the past month. Despite strong long-term fundamentals, the stock has underperformed significantly, trading close to its 52-week low and lagging behind the sector and benchmark indices.

As of 25-Mar, SBFC Finance Ltd's stock price is falling, currently at Rs 84.20, reflecting a decrease of Rs 0.32 or 0.38%. The stock has been on a downward trend, having lost 3.61% over the last three days and is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages. Additionally, the stock has underperformed the sector by 3.3% today and has seen a significant decline of 12.35% over the past month, compared to an 8.51% drop in the benchmark Sensex.<BR><BR>The stock is also close to its 52-week low, being just 4.26% away from Rs 80.61. Despite strong long-term fundamentals, including a 31.75% CAGR growth in operating profits and positive results for the last nine consecutive quarters, the stock's performance has been lackluster, generating a return of -6.47% over the past year. This underperformance is compounded by the fact that it has lagged behind the BSE500 index over various time frames, including the last three years and one year.<BR><BR>While there has been a rise in investor participation, with delivery volume increasing by 15.65% against the 5-day average, the overall sentiment remains negative due to the stock's consistent underperformance and its current trading position relative to moving averages and historical valuations.