Don’t Trade in the Dark—Get Your Pre-Market Report Every Day.Join Now
Financial Services | Small Cap
Health Score : 8.38SBFC Finance Ltd shows a picture of exceptional financial health, driven by phenomenal growth and high profitability. The company is expanding its sales, profits, and assets at a very rapid pace, indicating strong market demand for its services. A major strength is its completely debt-free status, which removes the risks associated with borrowing and gives it a rock-solid financial foundation. Its ability to generate profit from its operations is also excellent. However, there are areas of concern. The company's core business operations are currently using more cash than they are generating, which is a significant risk if it continues long-term. Additionally, while the company as a whole is growing, the value generated for each individual share is not as strong, and it does not currently pay dividends to its shareholders. The future outlook appears positive due to its powerful growth and profitability, but its sustainability will depend on improving cash generation from its main business activities.
Health Score : 8.38SBFC Finance Ltd shows a picture of exceptional financial health, driven by phenomenal growth and high profitability. The company is expanding its sales, profits, and assets at a very rapid pace, indicating strong market demand for its services. A major strength is its completely debt-free status, which removes the risks associated with borrowing and gives it a rock-solid financial foundation. Its ability to generate profit from its operations is also excellent. However, there are areas of concern. The company's core business operations are currently using more cash than they are generating, which is a significant risk if it continues long-term. Additionally, while the company as a whole is growing, the value generated for each individual share is not as strong, and it does not currently pay dividends to its shareholders. The future outlook appears positive due to its powerful growth and profitability, but its sustainability will depend on improving cash generation from its main business activities.
Overall Valuation Score
Markets Depth NSE
Buy Orders
Bid
Quantity
Orders
No buy depth
Total
0
0
Sell Orders
Ask
Quantity
Orders
No sell depth
Total
0
0
Markets Today NSE
High
0.00
Low
0.00
Open
0.00
Close
0.00
Prev Close
0.00
Avg Price
0.00
Volume
0
Last Traded Quantity
0
Last Traded Time
N/A
Price Movement Indicator
Today's Low: 0.00
Today's High: 0.00
P/E RATIO (TTM)
23.08
Industry Median
20.55
Small Cap Median
13.12
P/E RATIO
31.43
P/B RATIO
3.40
Industry Median
1.24
Small Cap Median
0.95
P/S RATIO
N/A
Industry Median
4.30
Small Cap Median
3.07
Others
PEG RATIO
0.00
EV/EBITDA RATIO
0.00
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹99.95 as on Sep 1, 2026.
Growth Score : 10.00The company is in a phase of explosive growth, which is an extremely positive sign. It is rapidly increasing its revenues, profits, and overall size, as reflected in its growing asset base. This demonstrates strong market acceptance of its products and a successful business strategy. Such high growth across all key areas indicates powerful momentum and a very promising outlook. However, sustaining this level of rapid expansion can be challenging and requires careful management to avoid operational strains and maintain quality.
Revenue Growth RateExcellentOperating Profit Growth RateExcellentEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RateExcellent| Growth Ratios | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|
| Revenue Growth Rate | 38.75 | 38.83 | 28.16 |
| Operating Profit Growth Rate | 115.46 | 57.42 | 44.38 |
| Earnings Per Share (EPS) Growth | 116.88 | 32.34 | 43.89 |
| Asset Growth Rate | 27.26 | 22.92 | 21.7 |
| Net Income Growth Rate | 130.77 | 58 | 45.57 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | MAS Financial Services Ltd | 9.04 | 14.88 | Overvalued | 510.00 | 20.04 | 376.00 |
| 2 | Five-Star Business Finance Ltd | 8.55 | 8.21 | Neutral | 223.00 | 37.22 | 157.00 |
| 3 | SBFC Finance Ltd | 8.38 | 31.43 | Neutral | 475.00 | 4.33 | 345.00 |
| 4 | Fedbank Financial Services Ltd | 6.83 | 17.02 | Neutral | 512.00 | 9.17 | 344.00 |
0 Credits RemainingUnlock Deep Technical Insights in Seconds Only with Dhanarthi AI
Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Momentum Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Volatility Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Volume Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
Concall Report⬤5th May 26
Q4 FY26 Earnings Conference Call
NEUTRAL SENTIMENT
Quarterly Report⬤25th Apr 26
Audited Financial Results for Q4 and Year Ended March 31, 2026
UNDEFINED SENTIMENT
Concall Report⬤31st Jan 26
Q3 FY26 Earnings Conference Call
NEUTRAL SENTIMENT
Quarterly Report⬤24th Jan 26
Quarterly Financial Results Q3 FY 2025-26
BULLISH SENTIMENT
No Stock News Available at This Moment.
SBFC Finance Ltd. is a systematically important non-deposit taking NBFC focusing on lending to MSMEs and entrepreneurs in tier-2 and tier-3 cities. It offers secured loans like Loans Against Property (LAP) and unsecured business loans, aiming to serve the credit needs of the underserved segment of the market.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. SBFC Finance Ltd's P/E ratio (TTM) is 23.08, compared to the industry median of 20.55 and large cap median of 13.12.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. SBFC Finance Ltd's P/B ratio is 3.40, compared to the industry median of 1.24 and large cap median of 0.95.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. SBFC Finance Ltd's P/S ratio is 7.80, compared to the industry median of 4.30 and large cap median of 3.07.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. SBFC Finance Ltd's PEG ratio is 1.12.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. SBFC Finance Ltd's EV/EBITDA ratio is 19.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. SBFC Finance Ltd's ROE is 10.82%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. SBFC Finance Ltd's ROA is 5.53%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. SBFC Finance Ltd's ROCE is 27.59%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. SBFC Finance Ltd's operating margin is 36.37%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. SBFC Finance Ltd's net margin is 26.42%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. SBFC Finance Ltd's current ratio is 56.45.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. SBFC Finance Ltd's debt-to-equity ratio is 0.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. SBFC Finance Ltd's interest coverage ratio is 2.09.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. SBFC Finance Ltd's DPS is ₹0.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. SBFC Finance Ltd's EPS is 43.89.
(Source line: "Ratios as of 28 Sept 2026, based on last traded price of ₹99.95. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 2008 (as Small Business FinCredit Private Limited)
Headquarters: Mumbai, Maharashtra
Core Offerings: Loans Against Property (LAP), Secured Business Loans, Unsecured Business Loans, Gold Loans
Stock Listing: NSE (SBFC), BSE (543959)
Promoter: No traditional promoter group; professionally managed with institutional ownership.
Incorporated in 2008 as 'Small Business FinCredit Private Limited', the company focused on providing credit to small businesses. In 2017, it underwent a significant transformation and capital infusion, being acquired by funds managed by Arpwood Partners, Eight45 Services LLP, and Clermont Financial Pte. Ltd. The name was changed to SBFC Finance Limited in 2019. The company successfully completed its Initial Public Offering (IPO) in August 2023, listing on both NSE and BSE to further its growth trajectory.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Loans Against Property (LAP) | ~80.8% of AUM | Operating Profit |
| Secured Business Loans | ~16.5% of AUM | Operating Profit |
| Unsecured Business Loans | ~2.7% of AUM | Operating Profit |
Loans Against Property (LAP): Constitutes the largest portion of the AUM, providing secured credit facilities to small businesses and entrepreneurs, primarily collateralized by self-occupied residential and commercial properties.
Secured Business Loans: Offers loans against other fixed assets to support business growth and working capital needs for MSMEs, diversifying beyond property-backed loans.
Unsecured Business Loans: Caters to select MSME clients with shorter-term credit needs, based on cash flow analysis and business viability, targeting established businesses with strong financial track records.
The company focuses on a diversified product mix across customer segments and geographies, with a strong emphasis on risk management and asset quality.
Mahesh Shukla, Managing Director & CEO. He has over two decades of experience in financial services, and has been instrumental in building SBFC's business strategy and driving its growth since its acquisition by the current institutional shareholders.
No major subsidiaries reported.
Initial Public Offering (IPO) in August 2023.
The SBFC Finance Ltd share price today is ₹99.95 on NSE (SBFC), as of 30 Sept 2026.
As of 28 Sept 2026, SBFC Finance Ltd share price is ₹99.95, with previous close ₹99.95. Today's range is ₹99.95 to ₹99.95. The 52-week range is ₹79.60 to ₹109.75.
As of today, SBFC Finance Ltd's market cap is ₹0 crore (Small Cap).
SBFC Finance Ltd's current P/E ratio is 23.08, compared to the BANKING AND FINANCE sector average of 28.
SBFC Finance Ltd's current P/B ratio is 3.40.
SBFC Finance Ltd's current dividend yield is N/A. Last dividend of ₹0.00 per share was declared on N/A.
SBFC Finance Ltd's EPS (TTM) is ₹43.89.
SBFC Finance Ltd. is a systematically important non-deposit taking NBFC focusing on lending to MSMEs and entrepreneurs in tier-2 and tier-3 cities. It offers secured loans like Loans Against Property (LAP) and unsecured business loans, aiming to serve the credit needs of the underserved segment of the market.
SBFC Finance Ltd is promoted by No traditional promoter group; professionally managed with institutional ownership., holding 52.31% as of 28 Sept 2026.
SBFC Finance Ltd is listed on NSE (SBFC) and BSE (543959). Its next quarterly results are expected on July/August 2024 (Q1 FY25).
Capital Efficiency & Returns