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SBFC Finance
Mid Cap•2,628 Employees•IPO 2023
Current Price
₹91.70
-2.08 (-2.22%)Updated
Valuation vs Sector
P/E Ratio
-vs 20.04
P/B Ratio
-vs 2.26
Div Yield
0.00%vs 0.54%
Today's Range
₹90.50
₹93.00
₹91.70
52 Week Range
52W Low₹82.00
52W High₹123.00
₹91.70
Downside11.83%
Upside34.13%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
Loading chart...
Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹10,626.26 Cr
Market Cap
Total market value of companyP/E Ratio
24.74
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
3.37
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹3.82
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
6.13%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
11.60%
ROCE
Return on Capital Employed. >15% is goodNet Margin
26.92%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
56.68%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
24.71%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
29.30%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
27.50%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
1.66
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹29.40
Book Value
Net asset value per shareDividend Yield
-%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
53.00%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
5 points- •Strong profitability with 68.60% OPM, 27.50% quarterly profit growth.
- •Consistent net profit growth, rising from ₹47 Cr to ₹94 Cr.
Weaknesses
5 points- •Substantial debt burden with a high debt-to-equity ratio of 1.66.
- •Promoter holding declined from 64.05% to 53.33% since September 2023.
Opportunities
5 points- •Growing NBFC sector driven by increasing credit demand and financial inclusion.
- •Significant market share expansion potential as a relatively smaller player.
Threats
5 points- •Intense competition from established NBFC players pressures margins and market share.
- •Adverse regulatory changes by RBI could significantly impact operational flexibility.
Segment-wise Financial Analysis
Financial Results
Balance Sheet
Standalone • Annual • All amounts in ₹ Crores • CA Schedule III Format
No Balance Sheet Data Available
Standalone annual data is not available for this symbol.
Try switching to Consolidated view.
Shareholding Pattern
Loading shareholding data...
Company Insider Trading Activity
Recent Insider Transactions
| Insider Name | Transaction Date | Filing Date | Total Shares | Change | Price | Action |
|---|---|---|---|---|---|---|
Vistra ITCL (India) Limited (Trustee of SBFC Employee Welfare Trust) | 07 Jan 2025 | 10 Jan 2025 | 9.46 L | 58,250 | ₹19 | SELL |
Vistra ITCL (India) Limited (Trustee of SBFC Employee Welfare Trust) | 29 Jan 2025 | 02 Feb 2025 | 8.71 L | 75,000 | ₹19 | SELL |
Vistra ITCL (India) Limited (Trustee of SBFC Employee Welfare Trust) | 27 Feb 2025 | 05 Mar 2025 | 8.23 L | 47,500 | ₹19 | SELL |
Vistra ITCL (India) Limited (Trustee of SBFC Employee Welfare Trust) | 04 Mar 2025 | 10 Mar 2025 | 8.14 L | 9,000 | ₹19 | SELL |
SBFC Holdings Pte Ltd | 19 Mar 2025 | 20 Mar 2025 | 57.92 Cr | 1.36 Cr | ₹82 | SELL |
Vistra ITCL (India) Limited (Trustee of SBFC Employee Welfare Trust) | 09 May 2025 | 14 May 2025 | 7.09 L | 1.05 L | ₹19 | SELL |
Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹97.97 | +₹6.27 | +6.83% |
| R3 | ₹95.47 | +₹3.77 | +4.11% |
| R2 | ₹94.23 | +₹2.53 | +2.76% |
| R1 | ₹92.97 | +₹1.27 | +1.38% |
| PIVOT | ₹91.73 | 0.03 | 0.04% |
| CURRENT | ₹91.70 | - | - |
| S1 | ₹85.47 | -₹6.23 | -6.80% |
| S2 | ₹87.97 | -₹3.73 | -4.07% |
| S3 | ₹89.23 | -₹2.47 | -2.69% |
| S4 | ₹90.47 | -₹1.23 | -1.34% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume+38.7% vs avg
1.63M
(02 Mar 2026)Delivery %-1.1% vs avg
47.1%
(02 Mar 2026)Avg Volume (20D)20-day average
1.17M
(03 Feb - 02 Mar)Avg Delivery %Trend ↑
48.2%
(03 Feb - 02 Mar)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
Bajaj Finance Ltd
6.31L ₹ Cr
Best Profit Growth
Capri Global Capital Ltd
131.00 %
Highest Dividend Yield
Manappuram Finance Ltd
0.98 %
Peer Comparison
| Company Name |
|---|
 Bajaj Finance Ltd |
 Capri Global Capital Ltd |
 CreditAccess Grameen Ltd |
 Fedbank Financial Services Ltd |
 Five-Star Business Finance Ltd |
 Indostar Capital Finance Ltd |
 Manappuram Finance Ltd |
 MAS Financial Services Ltd |
 Northern ARC Capital Ltd |
About
SBFC Finance Ltd
SBFC Finance Limited is a Non-Banking Financial Company (NBFC) operating primarily in India, specializing in providing fund-based financing solutions. Their core business revolves around catering to a diverse clientele, including micro, small, and medium enterprises (MSMEs), small business owners, self-employed individuals, salaried employees, and entrepreneurs.
A significant portion of SBFC's business involves offering secured loans to MSMEs. This signifies a focus on supporting the growth and development of smaller businesses, a key component of the Indian economy. The secured nature of these loans reduces the risk for the lender, allowing for potentially more accessible financing options for the borrowers.
Beyond MSME loans, SBFC also provides loans against gold. This offers an alternative source of financing for individuals who possess gold assets and need quick access to capital. This product line expands their reach to a broader segment of the population and provides a convenient borrowing option.
In addition to direct lending activities, SBFC offers loan management services. This service likely encompasses various aspects of loan administration, potentially including loan origination, processing, disbursement, and collection. Providing such services further positions SBFC as a comprehensive financial solutions provider within its target market.
SBFC also acts as a corporate agent for insurance products. This diversification into insurance expands their revenue streams and allows them to offer a more holistic suite of financial services to their clients. By offering insurance alongside lending, they can provide a more complete financial safety net for their borrowers and further strengthen their relationships with them.
Established in 2008 and headquartered in Mumbai, India, SBFC Finance Limited operates as a subsidiary of SBFC Holdings Pte. Ltd., suggesting a broader international presence and potentially access to greater capital resources.
COMPANY FACTS - SBFC
Registered Address
103, First Floor, C & B Square,, Sangam Complex, Andheri Kurla Road,Chakala, Andheri East
Mumbai
MAHARASHTRA
IN
Company Details
Group: Financial Services
Sector: Financials
Industry: Consumer Finance
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 2,628
IPO Date: 16/08/2023
MANAGEMENT - SBFC
Mr. Neeraj Swaroop
Independent Non-Executive Chairman of the Board
Mr. Aseem Dhru
Chief Executive Officer, Managing Director
Mr. Narayan Barasia
Chief Financial Officer
Mr. Sumeet Ghai
Chief Human Resources Officer
Ms. Namrata Sajnani
Chief Compliance Officer, Company Secretary
Mr. Rajiv Thakker
Chief Risk Officer
Mr. Mahesh Dayani
Additional Whole Time Director, Chief Business Officer
Mr. Sanket Agrawal
Chief Internal Auditor
Mr. Saiprashant Menon
Chief Collection Officer
Mr. Amol Jain
Non-Executive Director
Mr. Leroy Langeveld
Non-Executive Nominee Director
Mr. John Mescall
Non-Executive Nominee Director
Investor Questions Answered
SBFC Finance Ltd (SBFC) Stock FAQs
Get answers to the most common questions about SBFC Finance Ltd stock price, fundamentals, financial metrics, and investment analysis
The current share price of SBFC Finance Ltd (SBFC) is ₹91.7. Today, the stock has declined by ₹2.08 (2.22%), trading in a range of ₹90.5 to ₹93. The stock opened at ₹91.42 with a trading volume of 9,08,764 shares.
SBFC Finance Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹10,626.26 crores, P/E ratio of 24.74, ROE of 6.13%, and ROCE of 11.60%. The dividend yield stands at 0.00%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of SBFC Finance Ltd (SBFC) is ₹123, while the 52-week low is ₹82. Currently trading at ₹91.7, the stock is 23.7% away from its 52-week low and 25.4% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy SBFC Finance Ltd stock at ₹91.7 depends on multiple factors. The stock is currently trading with a P/E ratio of 24.74 and P/B ratio of N/A. Today's performance shows a loss of 2.22%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
SBFC Finance Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹91.7, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
SBFC Finance Ltd's key financial metrics include: P/E Ratio: 24.74, P/B Ratio: N/A, ROE: 6.13%, ROCE: 11.60%, Dividend Yield: 0.00%, EPS: ₹3.82, Book Value: ₹29.4, Debt-to-Equity: 1.66, and Current Ratio: N/A. The company's market cap stands at ₹10,626.26 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
SBFC Finance Ltd stock opened at ₹91.42 and is currently trading at ₹91.7, showing a decline of ₹2.08 (2.22%). The intraday high is ₹93 and low is ₹90.5. The trading volume stands at 9,08,764 shares, indicating moderate market participation today.
SBFC Finance Ltd has a Price-to-Earnings (P/E) ratio of 24.74, which means investors are willing to pay ₹24.74 for every ₹1 of earnings. With an EPS of ₹3.82, this P/E ratio indicates moderate valuation in line with market standards. Compare this with industry peers and historical P/E ratios for better context.
SBFC Finance Ltd has a market capitalization of ₹10,626.26 crores, making it a small-cap company. Market cap is calculated by multiplying the current stock price (₹91.7) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
SBFC Finance Ltd has a book value of ₹29.4 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹91.7, which is 211.9% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
SBFC Finance Ltd has a Return on Equity (ROE) of 6.13% and Return on Capital Employed (ROCE) of 11.60%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
SBFC Finance Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
SBFC Finance Ltd has a debt-to-equity ratio of 1.66, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 1 suggests the company uses more debt than equity for financing. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
SBFC Finance Ltd has an Earnings Per Share (EPS) of ₹3.82, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹91.7 and P/E ratio of 24.74, investors are paying 24.74 times the annual earnings per share. The company may need to improve its earnings performance. Track EPS growth over quarters to assess earnings momentum.
SBFC Finance Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
SBFC Finance Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze SBFC Finance Ltd stock, consider: 1) Fundamental Analysis - Review P/E (24.74), ROE (6.13%), debt-to-equity (1.66), and growth rates. 2) Technical Analysis - Check 52-week range (₹82.00 - ₹123.00), moving averages, and chart patterns. 3) Valuation - Compare current price (₹91.70) with book value (₹29.40) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of SBFC Finance Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹91.7 is 817x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in SBFC Finance Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹82.00 - ₹123.00). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 1.66 indicates leverage. 4) Liquidity Risk - Based on trading volume of 9,08,764 shares. 5) Valuation Risk - P/E of 24.74 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
SBFC Finance Ltd operates in the industry with key metrics: P/E ratio of 24.74, ROE of 6.13%, market cap of ₹10,626.26 crores, and dividend yield of 0.00%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 1.66), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for SBFC Finance Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹91.7, with a 52-week range of ₹82.00 to ₹123.00. Based on fundamentals like P/E (24.74), ROE (6.13%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling SBFC Finance Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹91.70. 2) Fundamental Deterioration - Declining ROE (currently 6.13%), increasing debt (D/E: 1.66), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for SBFC Finance Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.00%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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