SBFC · SBFC Finance Ltd · Consumer Financial Services
SBFC · SBFC Finance Ltd · Consumer Financial Services
As of 06 Nov close
52-week range
25.2% below 52-week high
52-week range: as of 06 Nov 2026 close.
Price chartDaily closes on the stock page.
Weighted combination of 8 measured readings. Not a probability, a rating or a forecast.
Full signal detail →Fundamentals as of 15 Sep 2026 · the company's own latest record is 53 days old
Revenue (latest Q)
₹489 Cr
Revenue YoY
PAT YoY
+29.0%
Operating margin
Revenue, last 8 quarters
P/E (TTM)
P/B
3
P/S (TTM)
6.1
Sector P/E
24.3
Dividend yield
0.0%
| Company | P/E | P/B | Net margin | ROE | D/E | Div. yield |
|---|---|---|---|---|---|---|
| SBFC (this stock) | 20.7 | 3 | +27.1% | +12.9% | 1.92 | 0.0% |
| Bajaj Finance | 30.8 | 5.7 | +23.8% | +17.8% | 3.22 | +0.5% |
| Shriram Finance | 18.4 | 3.6 | +22.8% | +17.2% | 3.8 | +1.1% |
| Jio Financial Services | 95.5 | 1.2 | +49.8% | Not available from data source | 11.81 | +0.2% |
Promoter
stable
FII
rising 1q
MF
15.56% (-0.21pp)
falling 1q
Insider trades
No insider trades in the last 12 months.
Bulk/block deals
No bulk/block deals in the last 12 months.
News timeline
- lowthehindubusinessline.com· 25 Jul 2026, 09:55 amQ1 Results 25th July Live: AU Small Finance Bank, IDFC First Bank, Dr. Reddy's Lab, Zen Tech, SBFC Finance, Birla Corporation to announce Q1 results
Concalls & investor presentations
AI-generatedKey takeaway: SBFC Finance Limited held its Q1 FY27 Earnings Conference Call on July 25, 2026, where management discussed various aspects of the company's performance. Aseem Dhru, Executive Vice Chairman, noted improvements in credit market standing, leading to lower borrowing costs, which decreased by 90 basis points year-on-year. Mahesh Dayani, MD & CEO, highlighted challenges such as regulatory changes affecting MSME disbursements and increased competition, yet reported a 6% growth in AUM for the quarter. The company maintained a focus on disciplined pricing and risk management, with a PAT of INR 130 crores, reflecting a 29% year-on-year increase. CFO Sanket Agrawal provided details on financial metrics, including a cost of borrowing at 8.42% and a GNPA of 2.66%. The management emphasized a cautious approach to growth amid market uncertainties, aiming for steady momentum rather than rapid expansion.
The management presented a balanced view of performance, acknowledging challenges while reporting growth.
Sourced from an exchange-filed transcript, dated 31 Jul 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: SBFC Finance Limited's investor presentation reported a 29% year-over-year increase in profit after tax, reaching ₹130 crore for the quarter ended June 30, 2026. The company's assets under management (AUM) grew by 27% year-over-year and 6% quarter-over-quarter to ₹11,922 crore. The gross non-performing assets (NPA) stood at 2.66%, with a provision coverage ratio (PCR) of 42%. The cost-to-AUM ratio improved by 30 basis points year-over-year to 4.29%. Return on assets (RoA) was reported at 4.53%, and return on equity (RoE) was at 14.73%. The presentation highlighted the company's focus on secured MSME loans, with a market opportunity of ₹4.61 lakh crore, growing at a CAGR of 23%. SBFC operates a diversified network with 256 branches across 201 cities in 18 states and 2 union territories.
Management emphasized strong growth and profitability metrics.
Sourced from an exchange-filed presentation, dated 25 Jul 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: SBFC Finance Limited held its Q4 FY'26 Earnings Conference Call on April 27, 2026, where management discussed various aspects of the company's performance and strategy. Aseem Dhru, Executive Vice-Chairman, highlighted the challenges posed by external economic factors, including rising inflation and fiscal deficits, while emphasizing the company's anti-fragile business model aimed at supporting small business owners in India. Mahesh Dayani, MD & CEO, reported a 29% year-on-year growth in AUM, with a focus on maintaining profitability while expanding branch presence. The company added 46 branches in FY26, bringing the total to 251. CFO Narayan Barasia shared that the cost of borrowing decreased significantly, contributing to improved spreads. Management reiterated its commitment to cautious optimism and effective risk management, while also addressing questions on growth strategies and operational efficiencies.
Management presented a balanced view of challenges and achievements without overly optimistic or pessimistic language.
Sourced from an exchange-filed transcript, dated 05 May 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: SBFC Finance Limited's investor presentation reported a profit after tax growth of 31% year-over-year to ₹451 crore for the fiscal year ending March 31, 2026. The company's assets under management (AUM) increased by 29% year-over-year to ₹11,270 crore. The gross non-performing assets (NPA) stood at 2.61%, with a provision coverage ratio (PCR) of 42%. The cost-to-AUM ratio improved to 4.19% from 4.65% in the previous year. Return on assets (RoA) was reported at 4.58%, while return on equity (RoE) was at 14.18%, with an exit RoE of 14.48%. The presentation highlighted a diversified pan-India network with 251 branches across 18 states and 2 union territories, focusing on secured MSME loans. Management emphasized the importance of technology in enhancing operational efficiency and customer experience.
Management highlighted strong financial performance and growth metrics.
Sourced from an exchange-filed presentation, dated 25 Apr 2026. Summary is RedixFi-generated and distinct from investment advice.
AI Summary of Annual Report
AI-generatedSBFC Finance Limited (SBFC) reported strong financial performance in FY2025-26, achieving the ₹10,000 crore milestone with disciplined growth strategies. The company emphasized productivity gains, branch maturity, and operating leverage as it scales. SBFC maintained a robust credit rating affirmed by rating agencies, with no defaults on NCDs and adherence to financial obligations. The company has no material regulatory actions, defaults, or liquidity issues, and its internal controls were deemed effective by auditors. SBFC is focused on expanding its lending portfolio while maintaining prudent risk management practices.
- SBFC achieved the ₹10,000 crore milestone with disciplined growth strategies.
- No defaults on NCDs and maintained credit ratings affirmed by rating agencies.
- No material regulatory actions, defaults, or liquidity issues noted.
- Internal controls were deemed effective by auditors.
- Focus on expanding lending portfolio with prudent risk management.
Key takeaway: SBFC Finance Limited demonstrated strong financial performance and operational discipline in FY2025-26, with no significant risks or defaults reported, positioning it well for continued growth.
The following annual report excerpts provide qualitative strategic context. Do not treat any specific financial figures in these excerpts as authoritative — they may be incorrectly labeled due to PDF table extraction limitations. For precise financial data, refer to the structured fundamentals data above.
Governance disclosures
AI-generatedNeeds attention
Regulatory Action (2 items); Default / Covenant Breach (1 item)
Items of these kinds are disclosed in the filings. This is a count of disclosed items. It is not a finding about the company and its cause has not been independently established.
Regulatory Action
2 occurrencesRecent (last 12 months)
The company had non-compliances with SEBI Listing Regulations in 2022-23, specifically with Regulation 53(2), 50(2), and 13(3), and paid applicable fines to BSE Limited.
Earlier (1-3 years ago)
The Company had instances of non-compliance with SEBI LODR regulations in 2022-23 and paid applicable fines to BSE Limited.
Default / Covenant Breach
1 occurrenceRecent (last 12 months)
As of March 31, 2026, the company has overdue loans amounting to ₹2,602.97 million (5,669 cases) that are more than 90 days past due.
Routine disclosures
Contingent Liability
2 occurrencesRecent (last 12 months)
The company has contingent liabilities related to pending litigations comprising claims by customers and proceedings, as of March 31, 2026 and 2025.
Earlier (1-3 years ago)
The company has pending litigations and proceedings with other authorities, and has disclosed contingent liabilities in its financial statements.
Related-Party Transaction
1 occurrenceEarlier (1-3 years ago)
The company has disclosed details of related party transactions in the standalone financial statements, indicating that such transactions have occurred and are in compliance with Sections 188 and 177 of the Companies Act 2013.