SBFC Finance
- Market cap
- ₹ 8,941 Cr.
- P/E
- 29.1x
- P/B
- 2.38x
- 52-week range
- 77.25 – 123
- ROE
- 13%
- Dividend yield
- 0%
- Debt / equity
- 1.93
- Sector
- Finance
- Industry
- Non Banking Financial Company (NBFC)
- Listed on
- NSE, BSE
About
SBFC Finance Limited is a non-banking finance company. The Company provides secured micro-small and medium enterprises (MSME) loans and loans against gold, with a majority of its borrowers being entrepreneurs, small business owners, self-employed individuals, salaried and working-class individuals. It has developed a PhyGital model. By combining digital technology with personal relationships, it builds bonds with its customers and offers support. It also offers a suite of specialist loan management services, helping institutional lenders to manage all aspects of loan servicing including client relations, collections, payments, porting, and data storage. In addition to providing loans direct to customers, it offers specialist change (LMS) to third party financial institutions. It handles the porting of repayment modes (NACH/ECS) and can transfer equated monthly instalments between accounts. It provides support to clients, including phone calls, short message services, and others.
Quick check
The five things to look at first. Open one for more.
Compared with its industry
Non Banking Financial Company (NBFC): 288 companies →SBFC Finance against the typical company in its industry. The rank is out of the companies that report each figure; green means the better quarter of the pack, red the worse quarter.
- Valuation (P/E)29.1 against a typical 22.7: pricier than most peers (1st = cheapest).158th of 284
- Sales growth+32.8% against a typical +18.3% from a year earlier.107th of 259
- Profit growth+27.5% against a typical +20.2% from a year earlier.94th of 214
- Share price, 3 months+0.9% against a typical −4.2%.109th of 258
- Size₹ 8,941.5 Cr. market value against a typical ₹ 43 Cr. (1st = largest).15th of 269
Latest announcements
Exchange filings and their impact on the company.
- Allotted 2.89m ESOP shares, about 0.26% dilution; negligible financial impact.
SBFC Finance allotted 28,89,503 equity shares on 7 October 2026 on exercise of stock options under its 2021 and 2023 ESOP schemes. The new shares rank pari-passu with existing shares, raising paid-up capital marginally. With only about 0.26% dilution, there is no meaningful impact on earnings, net worth or business outlook.
Credit ratings
Every rating action on file, newest first, including reaffirmations. Open a row for the agency's reasoning. All credit rating updates
High safety
Rated AA- by 3 agencies- All agencies agree and none has raised a warning.
| Agency | Current rating | Outlook | As of |
|---|---|---|---|
| India Ratings | IND AA- | Positive | 30 Sep 2026 |
| CARE | CARE AA- | Positive | 29 Sep 2026 |
| ICRA | [ICRA]AA- | Stable | 10 Jun 2026 |
| Rating | Details | |||||
|---|---|---|---|---|---|---|
| 30 Sep 2026 | New rating | IND AA- | Low | India Ratings | ₹ 1,000 Cr. | |
| 29 Sep 2026 | ▲ Outlook raised | CARE AA- Outlook Stable → Positive | — | CARE | ₹ 7,000 Cr. | |
| 10 Jun 2026 | Reaffirmed | [ICRA]AA- | — | ICRA | ₹ 3,600 Cr. | |
| 5 May 2026 | Reaffirmed | [ICRA]AA- | — | ICRA | ₹ 2,700 Cr. | |
| 16 Apr 2026 | Withdrawn | was IND AA- | — | India Ratings | ₹ 6,000 Cr. |
Board meetings
Results dates and other board meetings. Full calendar
| Details | ||
|---|---|---|
| 24 Oct 2026 | Financial Results | To consider and approve the financial results for the period ended September 30, 2026 |
| 25 Jul 2026 | Financial Results | To consider and approve the financial results for the period ended Jun 30, 2026 |
| 25 Apr 2026 | Fund Raising | To consider Fund Raising through NCDs |
| 24 Jan 2026 | Financial Results | To consider and approve the financial results for the period ended December 31, 2025 |
| 1 Nov 2025 | Financial Results | To consider and approve the financial results for the period ended September 30, 2025 |
| 26 Jul 2025 | Financial Results | To consider and approve the financial results for the period ended Jun 30, 2025 |
Financials
Consolidated figures in ₹ crore.
| ₹ Cr. | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 264 | 279 | 297 | 314 | 333 | 361 | 388 | 411 | 426 | 454 | 491 | 546 |
| Interest | 85 | 88 | 95 | 100 | 106 | 118 | 125 | 129 | 136 | 147 | 152 | 196 |
| Expenses | 90 | 91 | 94 | 100 | 105 | 113 | 123 | 131 | 127 | 138 | 160 | 160 |
| Financing Profit | 89 | 100 | 109 | 114 | 122 | 130 | 141 | 151 | 163 | 169 | 179 | 191 |
| Financing Margin % | 34% | 36% | 37% | 36% | 37% | 36% | 36% | 37% | 38% | 37% | 36% | 35% |
| Other Income | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 3 | 4 | 4 | 4 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 |
| Profit before tax | 86 | 97 | 105 | 110 | 117 | 126 | 136 | 146 | 158 | 164 | 174 | 186 |
| Tax % | 25% | 24% | 25% | 24% | 25% | 25% | 26% | 25% | 25% | 25% | 25% | 25% |
| Net Profit | 64 | 73 | 79 | 84 | 88 | 94 | 101 | 109 | 118 | 123 | 130 | 139 |
| EPS in Rs | 0.6 | 0.68 | 0.73 | 0.78 | 0.81 | 0.87 | 0.93 | 1 | 1.08 | 1.11 | 1.18 | 1.25 |
| Gross NPA % | 2.4% | 2.4% | 2.6% | 2.7% | 2.7% | 2.7% | 2.8% | 2.8% | 2.7% | 2.6% | 2.7% | — |
| Net NPA % | 1.4% | 1.4% | 1.5% | 1.6% | 1.6% | 1.5% | 1.6% | 1.5% | 1.5% | 1.5% | 1.6% | — |
Growth and returns
Compounded yearly rates over each period.
- 10 Years
- —
- 5 Years
- 27%
- 3 Years
- 32%
- TTM
- 28%
- 10 Years
- —
- 5 Years
- 40%
- 3 Years
- 44%
- TTM
- 30%
- 10 Years
- —
- 5 Years
- —
- 3 Years
- −1%
- TTM
- —
- 10 Years
- —
- 5 Years
- 11%
- 3 Years
- 12%
- TTM
- —
P/E and EPS over time
Daily P/E and trailing 12-month EPS. EPS updates with each result.
Peers
Listed companies in the same business.
| SBFC Finance | ₹ 91.00 | ₹ 8,941 Cr. | 29.1x | 2.4x | 13% | — |
| Bajaj Finance | ₹ 927.00 | ₹ 5,77,146 Cr. | 25x | 5.8x | 18.1% | 23.7% |
| Shriram Finance | ₹ 867.00 | ₹ 2,04,004 Cr. | 13.9x | 3x | 16.4% | 20.9% |
| Jio Financial Services | ₹ 205.00 | ₹ 1,35,364 Cr. | 95.5x | 1.2x | — | 49.8% |
| Tata Capital | ₹ 307.05 | ₹ 1,30,358 Cr. | 20.5x | 3.3x | 12.3% | 16% |
| Power Finance Corporation | ₹ 316.00 | ₹ 1,04,283 Cr. | 5.4x | 1x | 20.7% | 29.1% |
Management
- Mahesh Dayani
- Chief Executive Officer, Managing Director, Executive Director
- Aseem Dhru
- Executive Vice Chairman of the Board
- Sanket Agrawal
- Chief Financial Officer
- Namrata Sajnani
- Chief Compliance Officer, Company Secretary
Prices are delayed and for information only. Nothing on this page is investment advice.