SBFC Finance Limited (IN:SBFC)
:SBFC
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SBFC Finance Limited
(SBFC)
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Rating:67Neutral
Price Target:
₹92.00
▼(-10.77% Downside)
Action:ReiteratedDate:10/16/25
SBFC Finance Limited's strong financial performance, particularly in revenue and profit growth, is a key strength. However, technical indicators suggest a neutral trend, and the high P/E ratio indicates potential overvaluation. The lack of dividend yield further impacts the stock's attractiveness.
Positive Factors
Revenue and earnings growth
SBFC exhibits sustained top-line and EPS growth, driven by expanding loan originations. Durable revenue and earnings gains signal scalable lending operations and increasing market penetration in its target segments, supporting multi-quarter earnings resilience.
Negative Factors
Weak cash conversion
Operating cash flows lag reported earnings and free cash flow is declining, reducing internal funding for growth and repertoire for stress. Over several months this raises reliance on external financing and limits capacity to self-fund portfolio expansion or absorb shocks.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and earnings growth
SBFC exhibits sustained top-line and EPS growth, driven by expanding loan originations. Durable revenue and earnings gains signal scalable lending operations and increasing market penetration in its target segments, supporting multi-quarter earnings resilience.
Read all positive factors
SBFC Finance Limited (SBFC) vs. iShares MSCI India ETF (INDA)
Market Cap
₹93.32B
Dividend YieldN/A
Average Volume (3M)117.55K
Price to Earnings (P/E)24.2
Beta (1Y)0.97
Revenue Growth29.27%
EPS Growth28.44%
CountryIN
Employees3,758
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)1.10
Shares Outstanding1,106,414,200
10 Day Avg. Volume114,168
30 Day Avg. Volume117,553
Financial Highlights & Ratios
PEG Ratio0.78
Price to Book (P/B)3.09
Price to Sales (P/S)7.96
P/FCF Ratio-6.91
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)4.14
Revenue Forecast (FY)₹11.45B
SBFC Finance Limited Business Overview & Revenue Model
Company Description
SBFC Finance Limited, a financial services platform, provides financing solutions. The company offers secured MSME loans and loans against gold, as well as loan management services to third-party financial institutions, including private banks, pu...
How the Company Makes Money
SBFC primarily makes money through lending and related financial services. Its key revenue and earnings drivers include: (1) Interest income from loans: The largest component is interest earned on its loan portfolio (e.g., secured business loans)....
SBFC Finance Limited Financial Statement Overview
Summary
Income Statement
88
Very Positive
Balance Sheet
72
Positive
Cash Flow
65
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 10.66B | 12.37B | 9.37B | 6.37B | 4.10B | 3.02B |
| Gross Profit | 6.85B | 6.75B | 4.13B | 2.24B | 1.06B | 142.43M |
| EBITDA | 4.78B | 5.45B | 3.37B | 2.19B | 1.15B | 1.50B |
| Net Income | 2.91B | 3.45B | 2.37B | 1.50B | 645.21M | 850.10M |
Balance Sheet | ||||||
| Total Assets | 98.22B | 85.96B | 70.63B | 57.46B | 45.15B | 42.31B |
| Cash, Cash Equivalents and Short-Term Investments | 4.93B | 7.04B | 7.00B | 3.63B | 9.21B | 10.28B |
| Total Debt | 61.76B | 52.64B | 39.96B | 37.39B | 29.40B | 27.68B |
| Total Liabilities | 63.88B | 54.06B | 42.85B | 40.19B | 32.28B | 30.26B |
| Stockholders Equity | 34.34B | 31.90B | 27.78B | 17.27B | 12.87B | 12.05B |
Cash Flow | ||||||
| Free Cash Flow | -8.41B | -14.24B | -11.67B | -12.53B | -8.31B | -2.90B |
| Operating Cash Flow | -8.36B | -14.15B | -11.55B | -12.45B | -8.22B | -2.75B |
| Investing Cash Flow | -235.46M | 1.74B | 1.59B | 2.06B | 6.52B | 3.75B |
| Financing Cash Flow | 9.22B | 12.81B | 10.37B | 10.71B | 1.83B | -1.87B |
SBFC Finance Limited Technical Analysis
Negative
103.10
Price Trends
94.51
Negative
100.87
Negative
105.09
Negative
Market Momentum
-2.69
Positive
30.41
Neutral
21.05
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:SBFC, the sentiment is Negative. The current price of 103.1 is above the 20-day moving average (MA) of 91.42, above the 50-day MA of 94.51, and below the 200-day MA of 105.09, indicating a bearish trend. The MACD of -2.69 indicates Positive momentum. The RSI at 30.41 is Neutral, neither overbought nor oversold. The STOCH value of 21.05 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:SBFC.
SBFC Finance Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ₹109.67B | 11.69 | ― | 1.37% | 8.92% | 12.32% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ₹93.32B | 24.16 | ― | ― | 29.27% | 28.44% | |
65 Neutral | ₹119.25B | 29.94 | ― | 2.30% | -9.65% | -30.52% | |
62 Neutral | ₹67.08B | -45.03 | ― | ― | 8.35% | -50.99% | |
55 Neutral | ₹140.24B | -220.42 | ― | ― | -12.62% | 175.71% | |
55 Neutral | ₹72.09B | 17.57 | ― | 0.60% | 35.30% | 41.06% |
* Financial Sector Average
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SBFC Finance Limited Corporate Events
SBFC Finance Files Q3 FY26 Earnings Call Transcript with Exchanges
Jan 31, 2026
SBFC Finance Limited has submitted to the stock exchanges the official transcript of its Q3 FY 2026 earnings conference call held on 24 January 2026, in compliance with securities disclosure regulations. The company has also made the transcript pu...
SBFC Finance Publishes Unaudited Q3 and Nine-Month FY2025 Results in Newspapers
Jan 26, 2026
SBFC Finance Limited has notified the stock exchanges that it has published its unaudited financial results for the quarter and nine months ended 31 December 2025 in leading newspapers, in compliance with SEBI’s listing and disclosure regula...
SBFC Finance Uploads Q3 FY26 Earnings Call Audio for Investors
Jan 24, 2026
SBFC Finance Limited has notified the stock exchanges that it has uploaded the audio recording of its earnings conference call held on January 24, 2026, on the investor section of its website. The company will publish the transcript of the call an...
SBFC Finance Announces CEO Transition and Senior Management Changes
Jan 24, 2026
SBFC Finance Limited’s board has approved a planned leadership transition under which current Managing Director and CEO Aseem Dhru will step down from his executive role at the close of business on 31 March 2026 and be re-designated as a Non...
SBFC Finance Announces CEO Transition and Senior Management Changes
Jan 24, 2026
SBFC Finance Limited has announced a leadership reshuffle, with Managing Director and CEO Aseem Dhru resigning from his executive role effective March 31, 2026, and being re-designated as a Non-Executive Non-Independent Director and Vice-Chairman ...
SBFC Finance Reshapes Top Leadership as Co-founder Mahesh Dayani Steps Up as MD & CEO
Jan 24, 2026
SBFC Finance Limited has announced a leadership transition effective April 1, 2026, under which current MD CEO Aseem Dhru will move into the role of Non-Executive Vice Chairman, continuing to guide the company’s strategic direction from the...
SBFC Finance Announces CEO Transition and Senior Leadership Changes
Jan 24, 2026
SBFC Finance Limited has announced a leadership reshuffle, with Managing Director and CEO Aseem Dhru resigning from his executive role effective March 31, 2026, and transitioning to a non-executive, non-independent director position as Vice-Chairm...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.