SBFC
SBFC Finance Limited (SBFC) Stock Analysis
SBFC Finance Limited is a non-banking finance company providing secured MSME and entrepreneur loans in India. It focuses on small business credit with branch-led origination and quick underwriting. The company targets underserved small enterprises needing growth capital. It is listed on Indian stock exchanges.
Financial Services › Credit Services
₹85.20
+0.95% 1W | -22.30% 52W
Market Cap
9.5k CR
P/E Ratio
19.7
52W High
₹123
52W Low
₹79.6
Div. Yield
0%
Beta
0.6
50 DMA
₹92.4
200 DMA
₹92.6
Profit Margin
44.9%
Inst. Own.
24.7%
⚡ APPROACHING SUPPORT
⚡ APPROACHING SUPPORT
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 230 | 246 | 264 | 279 | 298 | 314 | 334 | 361 |
| Interest | 89 | 89 | 85 | 88 | 95 | 100 | 106 | 118 |
| Expenses | 75 | 83 | 90 | 90 | 94 | 100 | 105 | 113 |
| Financing Profit | 66 | 74 | 89 | 100 | 109 | 114 | 122 | 130 |
| Financing Margin % | 29% | 30% | 34% | 36% | 37% | 36% | 37% | 36% |
| Other Income | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |
| Depreciation | 3 | 3 | 3 | 4 | 4 | 4 | 5 | 5 |
| Profit before tax | 63 | 71 | 86 | 97 | 105 | 110 | 118 | 125 |
| Tax % | 25% | 26% | 25% | 24% | 25% | 24% | 25% | 25% |
| Net Profit | 47 | 53 | 64 | 74 | 79 | 84 | 88 | 94 |
| EPS in Rs | 0.51 | 0.49 | 0.60 | 0.69 | 0.73 | 0.78 | 0.82 | 0.87 |
| Gross NPA % | ||||||||
| Net NPA % |
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Revenue | 529 | 734 | 1,019 | 1,306 |
| Interest | 222 | 278 | 352 | 421 |
| Expenses | 210 | 247 | 338 | 410 |
| Financing Profit | 97 | 209 | 329 | 475 |
| Financing Margin % | 18% | 28% | 32% | 36% |
| Other Income | 1 | 5 | 1 | 0 |
| Depreciation | 12 | 13 | 13 | 17 |
| Profit before tax | 87 | 201 | 316 | 459 |
| Tax % | 26% | 26% | 25% | 25% |
| Net Profit | 65 | 150 | 237 | 345 |
| EPS in Rs | 0.77 | 1.67 | 2.21 | 3.18 |
| Dividend Payout % | 0% | 0% | 0% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 35.0% | – | – |
| Profit CAGR | 75.0% | – | – |
Shareholding Pattern
Promoters53.19%
FIIs7.12%
DIIs16.99%
Public22.63%
Promoters52.98%
FIIs7.01%
DIIs18.21%
Public21.74%
Promoters52.82%
FIIs6.88%
DIIs19.53%
Public20.71%
Promoters52.35%
FIIs6.21%
DIIs21.97%
Public19.40%
Promoters52.31%
FIIs7.22%
DIIs20.72%
Public19.69%
Promoters60.66%
FIIs2.86%
DIIs13.53%
Public22.77%
Promoters53.33%
FIIs6.53%
DIIs17.67%
Public22.39%
Promoters52.35%
FIIs6.21%
DIIs21.97%
Public19.40%
Promoters52.31%
FIIs7.22%
DIIs20.72%
Public19.69%
SBFC
Holdings Analysis
Key strengths & risk signals
66
Overall
81
Fundamental
52
Technical
Risks (4)
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
POOR YEAR! Stock declined 22.3% in the last year.
WEAK POSITION! Current price (85.2) is below both moving averages.
WEAK! Trading at 12.9% of 52W range - near yearly lows.
Strengths (4)
EXCELLENT EFFICIENCY! 44.9% profit margin - company keeps strong profits.
LOW VOLATILITY! Beta of 0.60 - stable stock, less market risk.
BULLISH SENTIMENT! In last 30 days: 11 up days, 19 down days. Avg volume on up days: 1,636,009 vs down days: 1,205,116. Ratio: 1.36x
NEUTRAL! RSI at 41.2 - balanced momentum.
Fundamental & Technical Analysis
66Overall
81Fundamental
52Technical
Fundamental Breakdown
Growth Quality
30/30
Revenue CAGR: 37.0% (EXCELLENT, 15/15). Profit CAGR: 44.4% (EXCELLENT, 15/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 44.9% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.44 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
4/10
HIGH DEBT! D/E of 1.65 - caution advised.
Public Holding
14/20
MODERATE PUBLIC HOLDING! 20.36% public ownership - balanced ownership structure.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
3/10
BEARISH TREND! 50-day average (92.4) is below 200-day average (92.6) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (85.2) is below both moving averages.
Trend Pattern
10/20
TESTING SUPPORT! Stock is at key support level.
52W Performance
1/10
POOR YEAR! Stock declined 22.3% in the last year.
Volume Sentiment
25/30
BULLISH SENTIMENT! In last 30 days: 11 up days, 19 down days. Avg volume on up days: 1,636,009 vs down days: 1,205,116. Ratio: 1.36x
RSI
3/5
NEUTRAL! RSI at 41.2 - balanced momentum.
52W Range
1/5
WEAK! Trading at 12.9% of 52W range - near yearly lows.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - 0.9% (1 week), -9.0% (1 month), -9.4% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.60 - stable stock, less market risk.
SBFC
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-31 | Concall PDF | |
| Q2FY262026-01-31 | Concall PDF |
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SBFC | ₹85.20 | 19.7 | 44.9% | 37.0% | 44.4% | -22.3% | 66 | APPROACHING SUPPORT | +28.9% | +5.9% | +28.3% | +8.2% |
| PAISALO | ₹81.50 | 29.4 | 45.8% | 52.7% | 36.3% | +104.4% | 89 | CONSOLIDATING UP | +29.9% | -15.1% | +18.9% | -0.5% |
| TFCILTD | ₹155.70 | 46.8 | 67.8% | 6.1% | 12.0% | +118.8% | 75 | BREAKOUT | +100.0% | +91.3% | +32.1% | +7.4% |
| KISSHT | ₹346.80 | 18.2 | 15.1% | 16.6% | 140.9% | +77.2% | 74 | BREAKDOWN | +59.3% | +59.3% | +44.6% | +44.6% |
| FEDFINA | ₹161.90 | 14.1 | 30.2% | 23.5% | 24.0% | +5.1% | 82 | BOUNCE FROM SUPPORT | +52.5% | +13.8% | +30.8% | +9.0% |
| FIVESTAR | ₹506.10 | 13.5 | 47.8% | 27.5% | 22.1% | -2.9% | 63 | APPROACHING SUPPORT | +1.9% | +0.8% | +6.1% | +1.4% |
| IFCI | ₹67.00 | 104.7 | 12.7% | 11.5% | – | +23.0% | 62 | CONSOLIDATING DOWN | -16.0% | +153.8% | -28.5% | -34.4% |
| CREDITACC | ₹1,233.20 | 16.4 | 39.8% | 20.9% | -2.0% | -9.3% | 65 | BOUNCE FROM SUPPORT | +719.6% | +45.3% | +23.6% | +11.1% |
Data from TradeAlone · Updated daily
