SBFC Finance Ltd (SBFC)
₹84.37
Mkt cap
₹9,381 Cr
P/E ratio
18.40
P/B
2.31
Div yield
0.00%
ROE
13.00%
ROCE
11.80%
EPS (TTM)
₹4.59
Book value
₹37
52W range
77–123
Sector
Financial Services
Price history
Previous close
Incorporated in 2008, SBFC Finance Limited is a systemically important, NBFC (NBFC-ND-SI) offering Secured MSME Loans and Loans against Gold [1]
NSE SBFCBSE 543959
Health check
Cautious
ValuationFair
ProfitabilityAverage
TechnicalsBearish
52-week range
−31.41% from high₹84
₹77+9.22% from low₹123
Current
₹84.37
Prev close
₹87.05
Day
−3.08%
Price performance
1D
−3.62%
1W
+5.11%
1M
−0.66%
3M
−6.94%
6M
−10.74%
1Y
−24.94%
YTD
−18.08%
Financials
Revenue, profit & margin
P/E ratio
18.4×
SBFC is 0% below the sector median of 18.4×
SBFC18.4×
Sector median18.4×
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 246 | 264 | 279 | 297 | 314 | 333 | 361 | 388 | 411 | 426 | 454 | 491 | 546 | |
| Interest | 89 | 85 | 88 | 95 | 100 | 106 | 118 | 125 | 129 | 136 | 147 | 152 | 196 | |
| Expenses | 83 | 90 | 91 | 94 | 100 | 105 | 113 | 123 | 131 | 127 | 138 | 160 | 160 | |
| Financing Profit | 74 | 89 | 100 | 109 | 114 | 122 | 130 | 141 | 151 | 163 | 169 | 179 | 191 | |
| Financing Margin % | 30% | 34% | 36% | 37% | 36% | 37% | 36% | 36% | 37% | 38% | 37% | 36% | 35% | |
| Other Income | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Depreciation | 3 | 3 | 4 | 4 | 4 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | |
| Profit before tax | 71 | 86 | 97 | 105 | 110 | 117 | 126 | 136 | 146 | 158 | 164 | 174 | 186 | |
| Tax % | 26% | 25% | 24% | 25% | 24% | 25% | 25% | 26% | 25% | 25% | 25% | 25% | 25% | |
| Net Profit | 53 | 64 | 73 | 79 | 84 | 88 | 94 | 101 | 109 | 118 | 123 | 130 | 139 | |
| EPS in Rs | 0.49 | 0.60 | 0.68 | 0.73 | 0.78 | 0.81 | 0.87 | 0.93 | 1.00 | 1.08 | 1.11 | 1.18 | 1.25 | |
| Gross NPA % | 2.37% | 2.38% | 2.43% | 2.60% | 2.69% | 2.70% | 2.74% | 2.78% | 2.77% | 2.71% | 2.61% | 2.66% | ||
| Net NPA % | 1.33% | 1.36% | 1.36% | 1.51% | 1.63% | 1.63% | 1.51% | 1.57% | 1.51% | 1.48% | 1.54% | 1.55% | ||
| Raw PDF |
Earnings
Results dates & reactionsNo upcoming results date on calendar.
Fresh quarters land in the Financials table above, tagged NSE until screener catches up.
No reaction history yet.
No quarterly filings ingested yet.
Corporate actions
Last 6 monthsNo recent corporate actions
Dividends, splits, and bonuses in the last six months show up here.
Shareholding
as of Sep 202652.23%Promoter
Promoters52.23%0.08
FIIs7.66%0.44
DIIs22.24%1.52
Public17.80%1.89
Ownership trend
Peers
8 companiesValuation vs quality
P/E × ROCE · bubble = market cap| Name | CMP | P/E | Mkt Cap | Div Yld | NP Qtr | Qtr Profit Var | Sales Qtr | Qtr Sales Var | ROCE |
|---|---|---|---|---|---|---|---|---|---|
| Bajaj Finance | ₹939.10 | 26.73 | 5,84,679 | 0.58% | 6,367 | +28.53% | 24,546 | +22.79% | 10.87% |
| Shriram Finance | ₹823.15 | 15.27 | 1,93,694 | 1.31% | 3,684 | +59.18% | 13,792 | +15.78% | 11.49% |
| Tata Capital | ₹319.90 | 22.64 | 1,35,793 | 0.18% | 1,832 | +51.27% | 9,342 | +20.74% | 8.58% |
| Cholaman.Inv.&Fn | ₹1,586.00 | 21.78 | 1,35,517 | 0.13% | 1,630 | +40.59% | 9,271 | +23.75% | 9.71% |
| Muthoot Finance | ₹2,408.60 | 8.50 | 96,698 | 1.25% | 2,825 | +38.83% | 8,672 | +34.44% | 15.80% |
| L&T Finance Ltd | ₹244.40 | 17.79 | 61,256 | 1.13% | 973 | +32.70% | 5,484 | +26.49% | 8.40% |
| SBI Cards | ₹525.00 | 19.16 | 49,962 | 0.48% | 778 | +74.83% | 5,141 | +3.62% | 10.10% |
| SBFC Finance | ₹84.37 | 18.40 | 9,381 | 0.00% | 139 | +27.24% | 546 | +33.01% | 11.82% |
| Median: 104 Co. | ₹130.87 | 18.42 | 496 | 0.00% | 11 | +38.83% | 50 | +27.11% | 9.46% |
Filings
Annual reports3
Concall transcripts37
TranscriptOct 2026PPTOct 2026RECOct 2026TranscriptJul 2026PPTJul 2026RECJul 2026TranscriptMay 2026PPTMay 2026RECMay 2026TranscriptJan 2026PPTJan 2026RECJan 2026TranscriptNov 2025PPTNov 2025RECNov 2025TranscriptJul 2025PPTJul 2025RECJul 2025TranscriptMay 2025PPTMay 2025RECMay 2025TranscriptJan 2025PPTJan 2025TranscriptOct 2024
Credit ratings6
Announcements5
Announcement under Regulation 30 (LODR)-Earnings Call Transcript 30 OctAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome 26 Oct - SBFC Finance uploaded the 26 Oct 2026 earnings conference call audio recording.Announcement under Regulation 30 (LODR)-Newspaper Publication 26 Oct - Disclosure on Newspaper publication of Financial Results for the quarter and half year ended September 30, 2026.Announcement under Regulation 30 (LODR)-Investor Presentation 24 OctResults - Financial Results For Quarter And Half Year Ended 30Th September, 2026 24 Oct - SBFC Finance approved Q2 FY26 results; net profit rose to ₹1,388.74 million, security cover maintained.