SBFC Finance Limited (IN:SBFC)
:SBFC
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SBFC Finance Limited
(SBFC)
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Rating:56Neutral
Price Target:
₹98.00
▼(-4.95% Downside)
Action:Reiterated
Date:04/28/26
The score is held back primarily by weak cash generation (consistently negative operating and free cash flow) despite strong reported revenue and earnings growth. Technicals are mildly supportive with improving short-term momentum but the stock remains below longer-term averages. Valuation is moderate-to-elevated at ~24x earnings without a provided dividend yield to offset.
Positive Factors
Revenue and profit growth
Sustained, multi-year top-line and net income growth demonstrates scalable demand for SBFC's lending products and evidence of operating leverage as the loan book grows. This momentum supports reinvestment in branches and underwriting capacity, strengthening franchise economics over the next several quarters.
Negative Factors
Persistent negative operating cash flow
Consistent operating and free cash flow deficits force ongoing reliance on external funding to sustain growth. For an NBFC, persistent cash burn raises refinancing and liquidity risk, constrains flexibility for capital returns and makes the business vulnerable if funding conditions tighten over the next several months.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and profit growth
Sustained, multi-year top-line and net income growth demonstrates scalable demand for SBFC's lending products and evidence of operating leverage as the loan book grows. This momentum supports reinvestment in branches and underwriting capacity, strengthening franchise economics over the next several quarters.
Read all positive factors
SBFC Finance Limited (SBFC) vs. iShares MSCI India ETF (INDA)
Market Cap
₹100.08B
Dividend YieldN/A
Average Volume (3M)117.55K
Price to Earnings (P/E)18.7
Beta (1Y)1.15
Revenue Growth28.53%
EPS Growth28.56%
CountryIN
Employees3,758
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)2.69
Shares Outstanding1,106,414,200
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)4.98
Revenue Forecast (FY)₹13.86B
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
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 | 10.70B | 16.60B | 12.37B | 9.37B | 6.37B | 4.10B |
| Gross Profit | 6.90B | 8.37B | 6.75B | 4.13B | 2.24B | 1.06B |
| EBITDA | 4.78B | 7.35B | 5.45B | 3.37B | 2.19B | 1.15B |
| Net Income | 2.91B | 4.51B | 3.45B | 2.37B | 1.50B | 645.21M |
Balance Sheet | ||||||
| Total Assets | 98.22B | 110.85B | 85.96B | 70.63B | 57.46B | 45.15B |
| Cash, Cash Equivalents and Short-Term Investments | 4.93B | 6.45B | 7.04B | 7.00B | 3.63B | 9.21B |
| Total Debt | 61.76B | 71.62B | 52.64B | 39.96B | 37.39B | 29.40B |
| Total Liabilities | 63.88B | 73.60B | 54.06B | 42.85B | 40.19B | 32.28B |
| Stockholders Equity | 34.34B | 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
Negative
103.10
Price Trends
91.39
Negative
94.87
Negative
101.53
Negative
Market Momentum
-0.40
Positive
43.30
Neutral
10.86
Positive
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 93.88, above the 50-day MA of 91.39, and above the 200-day MA of 101.53, indicating a bearish trend. The MACD of -0.40 indicates Positive momentum. The RSI at 43.30 is Neutral, neither overbought nor oversold. The STOCH value of 10.86 is Positive, 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 |
|---|---|---|---|---|---|---|---|
71 Outperform | ₹24.44B | 4.63 | ― | ― | 22.27% | 78.47% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ₹130.91B | 9.65 | ― | 0.36% | 13.26% | 1.90% | |
66 Neutral | ₹56.32B | 12.88 | ― | 0.43% | 25.13% | 17.12% | |
63 Neutral | ₹44.87B | 12.87 | ― | 0.29% | 22.32% | 17.78% | |
56 Neutral | ₹100.08B | 18.74 | ― | ― | 28.53% | 28.56% | |
44 Neutral | ₹31.60B | 98.87 | ― | ― | -11.00% | 400.98% |
* Financial Sector Average
IN:SBFC
SBFC Finance Limited
90.65
-14.35
-13.67%
IN:FIVESTAR
Five-Star Business Finance Limited
443.95
-227.87
-33.92%
IN:INDOSTAR
IndoStar Capital Finance Limited
195.55
-125.00
-39.00%
IN:MASFIN
MAS Financial Services Ltd.
310.40
22.88
7.96%
IN:PAISALO
Paisalo Digital Ltd.
49.33
17.86
56.75%
IN:SATIN
Satin Creditcare Network Ltd
222.25
55.90
33.60%
SBFC Finance Limited Corporate Events
SBFC Finance Publishes Investor Presentation Ahead of FY 2026 Earnings Call
Apr 25, 2026
SBFC Finance Limited has released an investor presentation that will be used during its upcoming earnings conference call on April 27, 2026, to discuss financial results for the quarter and year ended March 31, 2026. The presentation, which is als...
SBFC Finance Sets April Board Meet to Approve Results, Weigh Higher Borrowing Limits
Mar 27, 2026
SBFC Finance Limited has scheduled a board meeting on 25 April 2026 to consider and approve its audited financial results for the quarter and full year ended 31 March 2026, along with the annual audited financial statements. The board will also co...
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...
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.