SBFC Finance

Why is SBFC Finance Ltd falling/rising?

As of 20-Aug, SBFC Finance Ltd's stock price is rising to 93.96, following a trend reversal after four days of decline. Despite a year-to-date drop of 9.65%, strong long-term fundamentals and high institutional holdings support the stock's current upward movement.

As of 20-Aug, SBFC Finance Ltd's stock price is rising, currently at 93.96, reflecting a change of 1.18 (1.27%) upward. This increase can be attributed to a trend reversal, as the stock has gained after four consecutive days of decline. Additionally, it has outperformed its sector by 0.57% today, indicating a relative strength compared to its peers.<BR><BR>Despite the stock's year-to-date performance showing a decline of 9.65% and a one-year drop of 15.99%, the company has demonstrated strong long-term fundamental strength. The operating profits have grown at a compound annual growth rate (CAGR) of 31.83%, and net sales have increased at an annual rate of 30.46%. The latest six-month figures show net sales at Rs 945.51 crore, growing by 26.23%, and profit after tax (PAT) at Rs 252.89 crore, increasing by 29.49%. <BR><BR>Moreover, the stock is trading at a fair valuation with a price-to-book value of 2.8, and it has a PEG ratio of 0.8, indicating that while the stock has faced price declines, its underlying profits have risen significantly. High institutional holdings at 27.93% suggest confidence from larger investors, who typically have more resources to analyze the company's fundamentals.<BR><BR>In summary, the combination of a recent price increase following a period of decline, strong financial performance, and institutional support contributes to the current rise in SBFC Finance Ltd's stock price.

Which are the latest news on SBFC Finance?

Who are in the management team of SBFC Finance?

The management team of SBFC Finance includes Neeraj Swaroop (Chairman), Aseem Dhru (Managing Director & CEO), and several nominees and independent directors, including Rajesh M Agrawal and Surekha Marandi. Jay Mistry serves as the Company Secretary & Compliance Officer.

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>If you need more details about any specific member or their roles, feel free to ask!

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 10,308 Cr and reported net sales of 489 Cr and net profit of 130 Cr for June 2026. The company was incorporated in 2008 and has undergone several name changes, with key metrics including a P/E ratio of 30.00 and a debt-equity ratio of 1.92.

Overview:<BR>SBFC Finance Ltd is a Non Banking Financial Company (NBFC) operating in the small-cap market, 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 underwent several name changes, becoming Small Business Fincredit India Private Limited on July 3, 2017, and later SBFC Finance Private Limited on October 24, 2019. The latest quarterly results reported net sales and net profit for June 2026.<BR><BR>Financial Snapshot:<BR>- Net Sales: 489 Cr (Quarterly Results - Jun 2026)<BR>- Net Profit: 130 Cr (Quarterly Results - Jun 2026)<BR>- Market cap: INR 10,308 Cr (Small Cap)<BR><BR>Key Metrics:<BR>- P/E: 30.00<BR>- Industry P/E: 21<BR>- Dividend Yield: 0.00%<BR>- Debt Equity: 1.92<BR>- Return on Equity: 12.89%<BR>- Price to Book: 2.78<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 peers of the SBFC Finance?

SBFC Finance's peers include Manappuram Finance, Chola Financial, IIFL Finance, Capri Global, Five-Star Business Finance, Religare Enterprises, Bengal & Assam, Paisalo Digital, and Fedbank Finance. In terms of management risk, SBFC Finance is rated as good, with excellent growth potential, while its 1-year return is -8.52%, better than Bengal & Assam's -22.57%.

Peers: The peers of SBFC Finance are Manappuram Fin., Chola Financial, IIFL Finance, Capri Global, Five-Star Bus.Fi, Religare Enterp., Bengal & Assam, Paisalo Digital, and Fedbank Financi.<BR><BR>Quality Snapshot: Excellent management risk is observed at Manappuram Fin., IIFL Finance, Five-Star Bus.Fi, and Fedbank Financi., while Average management risk is found at Chola Financial, Capri Global, Religare Enterp., Bengal & Assam, and Paisalo Digital. Good management risk is attributed to SBFC Finance. For growth, Excellent growth is noted at Chola Financial, Capri Global, and SBFC Finance, while Average growth is seen at IIFL Finance and Five-Star Bus.Fi, and Below Average growth is present at Manappuram Fin., Religare Enterp., and Bengal & Assam. Capital Structure is Excellent for Manappuram Fin., IIFL Finance, Capri Global, Five-Star Bus.Fi, SBFC Finance, Religare Enterp., Bengal & Assam, Paisalo Digital, and Fedbank Financi., while Chola Financial has a Below Average capital structure.<BR><BR>Return Snapshot: IIFL Finance has the highest 1-year return at 42.58%, while Bengal & Assam has the lowest at -22.57%. SBFC Finance's 1-year return of -8.52% is lower than IIFL Finance's but higher than Bengal & Assam's. Additionally, the peers with negative six-month returns include SBFC Finance, Chola Financial, Religare Enterp., and Bengal & Assam.

How big is SBFC Finance?

As of 14th August, SBFC Finance Ltd has a market capitalization of 10,404.25 Cr, with recent net sales of 1,306.15 Cr and net profit of 345.29 Cr over the last four quarters.

As of 14th August, <BR><BR>Market Cap: SBFC Finance Ltd has a market capitalization of 10,404.25 Cr, categorizing it as a Small Cap company.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters is 1,306.15 Cr, while the sum of Net Profit for the same period is 345.29 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period is March 2025. Shareholder's Funds amount to 3,190.07 Cr, and Total Assets are valued at 8,595.76 Cr.

Should I buy, sell or hold SBFC Finance Ltd?

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.

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.

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 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.

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.

When is the next results date for SBFC Finance?

No Upcoming Board Meetings

Has SBFC Finance declared dividend?

No Dividend History Available