SBFC Finance

Why is SBFC Finance Ltd falling/rising?

As of 15-Jun, SBFC Finance Ltd's stock price is rising, currently at 92.80, with a recent gain of 2.41%. The stock has shown strong fundamentals and increased investor interest, despite slightly underperforming its sector.

As of 15-Jun, SBFC Finance Ltd's stock price is rising, currently at 92.80, reflecting a change of 2.18 (2.41%) upward. The stock has shown a consecutive gain over the last two days, with a total return of 3.43% during this period. Today, it opened with a gain of 2.63% and reached an intraday high of Rs 94.9, which is a 4.72% increase. <BR><BR>Despite this positive movement, the stock has underperformed its sector by 0.55%. However, the finance/NBFC sector overall has gained by 3.13%, indicating a favorable environment for the industry. Additionally, there has been a significant increase in investor participation, with delivery volume rising by 111.26% compared to the 5-day average, suggesting growing interest in the stock.<BR><BR>The stock's performance is supported by strong long-term fundamentals, including a 33.65% compound annual growth rate (CAGR) in operating profits and a 31.83% annual growth rate in net sales. The company has consistently reported positive results for the last ten consecutive quarters, with record highs in net sales and operating profit. Furthermore, 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 potential for growth relative to its earnings.<BR><BR>Overall, the combination of recent price gains, strong fundamentals, and increased investor interest contributes to the rising stock price of SBFC Finance Ltd.

Which are the latest news on SBFC Finance?

What does SBFC Finance do?

SBFC Finance Ltd is a Non-Banking Financial Company (NBFC) focused on providing financial services in the small-cap market segment, with recent net sales of ₹452 Cr and net profit of ₹123 Cr as of March 2026. The company, originally incorporated in 2008, has a market cap of ₹10,239 Cr and key metrics including a P/E ratio of 29.00 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 segment, focusing on providing financial services.<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 latest quarterly results reported net sales and net profit for the period ending March 2026.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 452 Cr (Quarterly Results - Mar 2026) <BR>Most recent Net Profit: 123 Cr (Quarterly Results - Mar 2026) <BR>Market-cap value: INR 10,239 Cr (Small Cap)<BR><BR>Key Metrics: <BR>P/E: 29.00 <BR>Industry P/E: 20 <BR>Dividend Yield: 0.00% <BR>Debt-Equity: 1.92 <BR>Return on Equity: 12.10% <BR>Price to Book: 2.73 <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

How big is SBFC Finance?

As of 10th June, SBFC Finance Ltd has a market capitalization of 10,239.00 Cr, with recent net sales of 1,306.15 Cr and a net profit of 345.29 Cr over the last four quarters.

As of 10th June, <BR><BR>Market Cap: SBFC Finance Ltd has a market capitalization of 10,239.00 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, with Shareholder's Funds amounting to 3,190.07 Cr and Total Assets totaling 8,595.76 Cr.

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, overseeing the company's strategic direction and operations.

The management team of SBFC Finance includes the following key 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>This team oversees the strategic direction and operations of the company.

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, Dhenu Buildcon, Fedbank Financial, and MAS Financial Services. In terms of management risk, growth, and capital structure, SBFC Finance performs well compared to its peers, with a 1-year return of -19.47%.

Peers: The peers of SBFC Finance are Manappuram Fin., Chola Financial, IIFL Finance, Capri Global, Five-Star Bus.Fi, Religare Enterp., Bengal & Assam, Dhenu Buildcon, Fedbank Financi., and MAS FINANC SER.<BR><BR>Quality Snapshot: Excellent management risk is observed at Manappuram Fin., IIFL Finance, Five-Star Bus.Fi, and SBFC Finance, while Average management risk is found at Chola Financial, Capri Global, Religare Enterp., Bengal & Assam, and Fedbank Financi. Good growth is noted at SBFC Finance, IIFL Finance, Capri Global, and Five-Star Bus.Fi, while Excellent growth is seen at Chola Financial. Below Average growth is present at Manappuram Fin., Religare Enterp., Bengal & Assam, and the rest. Excellent capital structure is exhibited by Manappuram Fin., IIFL Finance, Capri Global, Five-Star Bus.Fi, SBFC Finance, Religare Enterp., Bengal & Assam, and Fedbank Financi, while Below Average capital structure is noted at Chola Financial.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Fedbank Financi. at 31.54%, while the peer with the lowest is Five-Star Bus.Fi at -47.53%. SBFC Finance's 1-year return is -19.47%, which is higher than Five-Star Bus.Fi but lower than Fedbank Financi. Additionally, Chola Financial, Five-Star Bus.Fi, and MAS FINANC SER have negative six-month returns.

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