SBFC

SBFC Finance Ltd.

NSE: SBFC

BSE: 543959

Sector: Financial Services

Industry Group: Finance

Industry: Non Banking Financial Company (NBFC)

97.29-1.2 (-1.21%)

8 Sep, 12:00 AM

Overview

Analysis Statements Technicals Forecast Peers Resources News

Stock Scores

Quality Score

35.0 / 100

Value Score

43.4 / 100

Price Momentum Score

50.8 / 100

QVM Score

31.5 / 100

Key Metrics

Market Cap

10782.80

P/E (TTM)

22.46

P/B

2.89

P/S (TTM)

6.05

EV/EBITDA

12.78

CAPE (5Y)

42.10

ROE (TTM)

13.04

ROCE (TTM)

13.06

ROA (TTM)

4.58

Avg 3Y ROE

11.71

Earnings 3Y CAGR

42.78

Sales 3Y CAGR

31.83

Sales 5Y CAGR

27.05

Debt/Equity

1.93

Consensus TP

118.00

Strong Buy %

71.43

Promoter Holding

52.31

Pledged %

0.00

Stock Analysis

Fundamental analysis overview of SBFC Finance Ltd. covering key investment insights, growth drivers, risk factors, and potential red flags.

Views

Red Flags

Positive

High and improving operating margin

The company reported strong operating margin of 75.68% for 12-month ended 30 Jun 2026 and operating margin improved by 253 bps from 1 year ago

What is Operating profit margin?

Strong revenue growth and above median growth of industry

The company delivered strong revenue growth of 27.56% for 12-month ended 30 Jun 2026 and the growth was 15.43 percentage points higher than median growth of industry

What is Sales growth (1Y)?

Median: 12.13

Value 27.56

-2151.9255312.3

Strong EPS growth and above median growth of industry

The company delivered strong EPS growth of 29.93% for 12-month ended 30 Jun 2026 and the growth was 29.24 percentage points higher than median growth of industry

What is EPS growth (1Y)?

Negative

Analysts have been downgrading forward EPS estimates

Analyst EPS estimate (consensus) for forward EPS has decreased by -0.54% in the last 3 months, indicating weak earnings momentum

What is Earnings upgrade (3M)?

Reasonable Debt to Equity, but increasing

The company has reasonable Debt to Equity of 1.93 as on 30 Jun 2026 but Debt to Equity increased by 0.27 in the last 1 year

What is Debt to Equity?

Low dividend yield

The company has a low dividend yield of 0.0%

What is Dividend yield?

Neutral

Reasonably valued but PB is at a premium to industry median P/B

PB of 2.89 indicates that the stock is reasonably valued on a standalone basis but is at a 160.36% premium to industry median P/B

What is P/B Ratio?

Median: 1.11

Value 2.89

056.38

Moderate and stable ROE

The company reported moderate ROE of 13.04% for 12-month ended 30 Jun 2026 and ROE improved marginally by 147 bps from 1 year ago

What is ROE (FY)?

Financial Snapshot

See detailed analysis

Multi-year trends for SBFC Finance Ltd. covering revenue, net profit, ROE, and EBITDA for a quick view of financial health over time.

Net Revenue FY

Profit After Tax FY

ROE FY

ROA FY

SBFC Finance Ltd. Shareholding Pattern

Quarterly breakdown of SBFC Finance Ltd. ownership including promoter, FII, DII, mutual fund, and public holdings as disclosed to NSE/BSE.

	Sep 2015	Sep 2016	Jun 2017	Sep 2018	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Total Promoter	100.00	100.00	100.00	100.00	64.05	63.73	60.66	55.19	55.05	54.75	53.33	53.19	52.98	52.82	52.35	52.31
Indian Promoter	100.00	100.00	100.00	17.16	5.50	5.48	5.45	-	-	-	-	-	-	-	-	-
Foreign Promoter	0.00	0.00	0.00	82.84	58.55	58.26	55.21	55.19	55.05	54.75	53.33	53.19	52.98	52.82	52.35	52.31
Institutions	0.00	0.00	0.00	0.00	15.15	14.17	16.38	20.96	20.82	21.38	24.19	24.12	25.21	26.41	28.18	27.93
Mutual Funds / UTI	0.00	0.00	0.00	0.00	10.79	10.15	11.58	14.01	14.15	14.47	15.56	14.51	15.38	15.25	15.77	15.56
FI/Bank/Insurance	0.00	0.00	0.00	0.00	0.81	0.89	0.97	0.85	0.74	0.69	0.74	1.09	1.40	2.99	4.88	3.74
Govt	0.00	0.00	0.00	0.00	-	-	-	-	-	-	-	-	-	-	-	-
FII	0.00	0.00	0.00	0.00	2.74	2.23	2.86	4.72	4.56	4.92	6.53	7.12	7.01	6.88	6.21	7.22
Other Institutions	0.00	0.00	0.00	0.00	0.82	0.90	0.98	1.38	1.37	1.31	1.37	1.39	1.43	1.29	1.32	1.42
Non-Institution	0.00	0.00	0.00	0.00	20.80	22.10	22.95	23.85	24.13	23.87	22.47	22.69	21.81	20.76	19.47	19.76
Bodies Corporate	0.00	0.00	0.00	0.00	0.71	0.67	0.72	0.85	0.94	0.76	0.65	0.82	0.90	1.07	0.70	1.11
Others (incl. Retail) No. of shareholders	0.00 0	0.00 0	0.00 0	0.00 0	20.09 1,18,757	21.43 1,29,042	22.23 1,35,296	23.00 1,38,488	23.19 1,63,170	23.11 1,62,508	21.82 1,53,356	21.87 1,41,677	20.91 1,42,143	19.69 1,46,005	18.77 1,38,028	18.65 1,34,147

Holdings and Presence

Indices and prominent investors with a stake in this stock.

Index Presence

#	Index	Weight	Rank
1	SHI: Non Banking Financial Company (NBFC)	1.58%	18 / 21
2	Nifty Smallcap 250	0.17%	213 / 249
3	Nifty 500	0.02%	429 / 499
4	Nifty Total Market	0.02%	537 / 749

Bulk, Block and Insider Trades

Recent bulk deals, block deals, and insider trading activity in SBFC Finance Ltd. shares as reported to NSE and BSE.

Name	Month	Transaction	Holding % pre transaction	Average price	Qty.	Transaction value
SBFC HOLDINGS PTE. LTD Promoter	March-2025	Market Sale (Disposal) 20th Mar 2025	54.75 %	₹ 82.00	1.36 cr	₹ 111.73 cr
Arpwood Capital Private Limited Promoter	May-2024	Market Sale (Disposal) 4th May 2024	1.03 %	₹ 88.03	1.11 cr	₹ 97.46 cr
Arpwood Partners Investment Advisors LLP Promoter	May-2024	Market Sale (Disposal) 4th May 2024	4.20 %	₹ 88.00	4.51 cr	₹ 396.96 cr
Eight45 Services LLP Promoter	May-2024	Market Sale (Disposal) 4th May 2024	0.22 %	₹ 88.23	23.62 lac	₹ 20.84 cr
SBFC Holdings Pte Ltd Promoter	March-2024	Market Sale (Disposal) 12th Mar 2024	58.26 %	₹ 93.41	3.87 lac	₹ 3.61 cr
SBFC Holdings Pte Ltd Promoter	March-2024	Market Sale (Disposal) 12th Mar 2024	58.22 %	₹ 86.35	2.96 cr	₹ 255.71 cr
Mamidi Bhaskar Kumar Designated Person	December-2023	Market Sale (Disposal) 26th Dec 2023	0.01 %	₹ 92.84	20.00 k	₹ 18.57 lac
Mahesh Kanyalal Dayani Designated Person	December-2023	Market Sale (Disposal) 15th Dec 2023	1.33 %	₹ 94.05	2.00 lac	₹ 1.88 cr
Mahesh Kanyalal Dayani Designated Person	December-2023	Market Sale (Disposal) 15th Dec 2023	1.33 %	₹ 90.30	15.31 k	₹ 13.82 lac
Ish Chawla Designated Person	December-2023	Market Sale (Disposal) 15th Dec 2023	0.03 %	₹ 94.27	49.90 k	₹ 47.04 lac

…

No corporate action data available.

Company Profile

Overview of SBFC Finance Ltd. covering business description, industry classification, key management, financial ratios, and listed exchange details.

SBFC Finance Limited is a non-banking finance company. The Company provides secured micro-small and medium enterprises (MSME) loans and loans against gold, with a majority of its borrowers being entrepreneurs, small business owners, self-employed individuals, salaried and working-class individuals. ...

Key personnel

Mr. Sanket Agrawal

Chief Financial Officer

Ms. Namrata Sajnani

Chief Compliance Officer, Company Secretary

Mr. Neeraj SwaroopD

Independent Non-Executive Chairman of the Board

Mr. Mahesh DayaniD

Chief Executive Officer, Managing Director, Executive Director

Mr. Aseem DhruD

Executive Vice Chairman of the Board

Mr. Leroy James LangeveldD

Non-Executive Nominee Director

Mr. John MescallD

Non-Executive Nominee Director

Mr. Jonathan Tadeusz TaturD

Non-Executive Nominee Director

View all

Incorporated on

25 Jan 2008

Last Annual

31 Mar 2026

Last Interim

30 Jun 2026

No. of Employees

5,055

IPO date

16 Aug 2023

Free Float

42,70,46,489

Website

https://www.sbfc.com/

Phone no.

+912268313333

Address

103, 1ST FLOOR, C&B SQAURE, SANGAM COMPLEX,, ANDHERI KURLA ROAD, VILLAGE CHAKALA ANDHERI (EAST), , 400059, India

Frequently Asked Questions

What is the current share price of SBFC Finance Ltd.?

The current share price of SBFC Finance Ltd. is ₹ 97.29 as of 8 Sep 2026.

What is the market capitalisation of SBFC Finance Ltd.?

The market capitalisation of SBFC Finance Ltd. stands at ₹ 10,782.80 Cr.

What is the PE ratio of SBFC Finance Ltd.?

The Price-to-Earnings (PE) ratio of SBFC Finance Ltd. is 22.46 as of the latest trailing twelve months data.

What is the ROE and ROCE of SBFC Finance Ltd.?

SBFC Finance Ltd. has a Return on Equity (ROE) of 13.04% and a Return on Capital Employed (ROCE) of 13.06% as per the latest financial reports.

What is the 52-week high and low of SBFC Finance Ltd.?

The 52-week high of SBFC Finance Ltd. is - and the 52-week low is -.

What is the dividend yield of SBFC Finance Ltd.?

The dividend yield of SBFC Finance Ltd. is 0.00% based on the current market price.

What is the FII and DII holding in SBFC Finance Ltd.?

Foreign Institutional Investors (FII) hold 7.22%, Domestic Institutional Investors (DII) hold 19.30% and retail/public investors hold 18.65% of SBFC Finance Ltd. shares.

What sector does SBFC Finance Ltd. belong to?

SBFC Finance Ltd. operates in the Financial Services sector. 100% of analysts have a Buy or Strong Buy rating on SBFC Finance Ltd. with a consensus target price of ₹ 118.00, implying 21.29% upside from current levels.

What is the beta of SBFC Finance Ltd.?

The beta of SBFC Finance Ltd. is 0.89, indicating its price volatility relative to the broader market. Over the past 1 year, SBFC Finance Ltd. has delivered an absolute return of -6.48%.

What is the RSI of SBFC Finance Ltd.?

The 14-day Relative Strength Index (RSI) of SBFC Finance Ltd. is 53.66, placing it in the neutral zone. An RSI above 70 is considered overbought and below 30 is considered oversold.

SBFC Finance Ltd.

Stock Scores

Key Metrics

Share Price

Stock Analysis

Financial Snapshot

SBFC Finance Ltd. Shareholding Pattern

Holdings and Presence

Bulk, Block and Insider Trades

Company Profile

Frequently Asked Questions

Company Profile

Stock Analysis

Holdings and Presence