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SBFC Finance Limited
(SBFC)
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Rating:58Neutral
Price Target:
₹96.00
▲(4.20% Upside)
Action:Reiterated
Date:08/04/26
The score is driven primarily by strong reported growth and profitability, offset by a significant cash-flow weakness (consistently negative operating and free cash flow) and meaningful leverage. Technical indicators are broadly neutral with slightly negative momentum, and valuation appears moderate based on the P/E.
Positive Factors
Secured MSME lending focus
A durable business model: focusing on secured lending to underserved MSMEs gives SBFC structural credit advantages via collateralized loans, tailored products and branch/channel reach. This niche supports steady loan demand and risk mitigation versus unsecured lenders over the next 2–6 months.
Negative Factors
Consistent negative operating cash flow
Persistent cash burn shows earnings are not converting to cash, forcing ongoing reliance on external funding to sustain growth. Over 2–6 months this raises refinancing and liquidity risk, constrains capital allocation choices and increases vulnerability to funding cost shocks.
Read all positive and negative factors
Positive Factors
Negative Factors
Secured MSME lending focus
A durable business model: focusing on secured lending to underserved MSMEs gives SBFC structural credit advantages via collateralized loans, tailored products and branch/channel reach. This niche supports steady loan demand and risk mitigation versus unsecured lenders over the next 2–6 months.
Read all positive factors
SBFC Finance Limited (SBFC) vs. iShares MSCI India ETF (INDA)
Market Cap
₹99.78B
Dividend YieldN/A
Average Volume (3M)117.55K
Price to Earnings (P/E)20.6
Beta (1Y)1.13
Revenue Growth27.55%
EPS Growth28.90%
CountryIN
Employees5,055
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)4.38
Shares Outstanding1,107,306,800
10 Day Avg. Volume114,168
30 Day Avg. Volume117,553
Financial Highlights & Ratios
PEG Ratio0.71
Price to Book (P/B)2.46
Price to Sales (P/S)5.52
P/FCF Ratio-4.81
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)5.03
Revenue Forecast (FY)₹14.08B
SBFC Finance Limited Business Overview & Revenue Model
Company Description
SBFC Finance Limited operates as a financial services provider, delivering a range of funding solutions. The company's primary offerings include secure credit facilities for Micro, Small, and Medium Enterprises (MSMEs) and loans backed by gold. Ad...
How the Company Makes Money
SBFC makes money primarily by lending: it raises funds (e.g., via bank borrowings, debentures and other debt facilities) and deploys that capital into secured loans to customers, earning interest income on the outstanding loan portfolio. The core ...
SBFC Finance Limited Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
64
Positive
Cash Flow
28
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 17.73B | 16.60B | 12.37B | 9.37B | 6.37B | 4.10B |
| Gross Profit | 9.71B | 8.37B | 6.75B | 4.13B | 2.24B | 1.06B |
| EBITDA | 8.00B | 7.35B | 5.45B | 3.37B | 2.19B | 1.15B |
| Net Income | 4.80B | 4.51B | 3.45B | 2.37B | 1.50B | 645.21M |
Balance Sheet | ||||||
| Total Assets | 130.11B | 110.85B | 85.96B | 70.63B | 57.46B | 45.15B |
| Cash, Cash Equivalents and Short-Term Investments | 16.64B | 6.45B | 7.04B | 7.00B | 3.63B | 9.21B |
| Total Debt | 88.58B | 71.62B | 52.64B | 39.96B | 37.39B | 29.40B |
| Total Liabilities | 91.37B | 73.60B | 54.06B | 42.85B | 40.19B | 32.28B |
| Stockholders Equity | 38.74B | 37.25B | 31.90B | 27.78B | 17.27B | 12.87B |
Cash Flow | ||||||
| Free Cash Flow | -8.41B | -19.07B | -14.24B | -11.67B | -12.53B | -8.31B |
| Operating Cash Flow | -8.36B | -18.93B | -14.15B | -11.55B | -12.45B | -8.22B |
| Investing Cash Flow | -235.46M | 1.31B | 1.74B | 1.59B | 2.06B | 6.52B |
| Financing Cash Flow | 9.22B | 19.77B | 12.81B | 10.37B | 10.71B | 1.83B |
SBFC Finance Limited Technical Analysis
Positive
92.13
Price Trends
92.04
Positive
91.67
Positive
97.43
Negative
Market Momentum
0.23
Negative
63.60
Neutral
79.97
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:SBFC, the sentiment is Positive. The current price of 92.13 is below the 20-day moving average (MA) of 92.22, above the 50-day MA of 92.04, and below the 200-day MA of 97.43, indicating a neutral trend. The MACD of 0.23 indicates Negative momentum. The RSI at 63.60 is Neutral, neither overbought nor oversold. The STOCH value of 79.97 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:SBFC.
SBFC Finance Limited Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | ₹161.94B | 14.63 | ― | 0.37% | 10.23% | 1.08% | |
67 Neutral | ₹26.34B | 6.43 | ― | ― | 20.59% | 225.66% | |
65 Neutral | ₹64.72B | 27.18 | ― | 0.29% | 22.32% | 17.78% | |
58 Neutral | ₹99.78B | 20.64 | ― | ― | 27.55% | 28.90% | |
58 Neutral | ₹58.04B | 14.72 | ― | 0.62% | 23.25% | 21.60% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
54 Neutral | ₹40.49B | -10.34 | ― | ― | -1.90% | -151.40% |
* General Sector Average
IN:SBFC
SBFC Finance Limited
95.34
-7.16
-6.99%
IN:FIVESTAR
Five-Star Business Finance Limited
553.15
-27.37
-4.71%
IN:INDOSTAR
IndoStar Capital Finance Limited
232.95
-51.10
-17.99%
IN:MASFIN
MAS Financial Services Ltd.
310.55
9.07
3.01%
IN:PAISALO
Paisalo Digital Ltd.
68.85
38.23
124.85%
IN:SATIN
Satin Creditcare Network Ltd
233.05
90.75
63.77%
SBFC Finance Limited Corporate Events
SBFC Finance uploads earnings call audio to strengthen investor disclosure
Jul 25, 2026
SBFC Finance Limited has notified stock exchanges that it has uploaded the audio recording of its earnings conference call held on July 25, 2026, to the investors section of its website. The company also stated that the transcript of the call will...
SBFC Finance Reshuffles CFO Role and Updates Governance Framework
Jul 15, 2026
SBFC Finance Limited’s board has accepted the resignation of Chief Financial Officer and Key Managerial Personnel Narayan Barasia, effective at the close of business on July 15, 2026, as he departs to pursue an entrepreneurial venture. The b...
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.