SBFC Finance Limited
NSE: SBFC · Non Banking Financial Company (NBFC) · sector
₹77.54NSE close 2026-10-26
Key numbers
Market cap₹8,581 cr
Price₹77.54
52w high / low₹123 / ₹78
P/E17.7xSector median 13.8x
P/B2.3xSector median 1.1x
Book value₹33.7
Dividend yield–Sector median 0.61%
ROE13.9%Sector median 3.6%
ROA4.33%Sector median 1.94%
Gross NPA–
Net NPA–
CET1–
Sales growth 3y–Sector median +24.6%
Profit growth 3y–Sector median +28.6%
PEG0.58x
Last 12 months to Jun 2026, Standalone. "Sector median" = middle value of 250 companies in Non Banking Financial Company (NBFC) (P/E median leaves out loss-making companies). Tap ? for what a number means.
Things to know
- Promoter holding fell by 0.75 percentage points in a year, to 52.23% (2026-09-30).
- Total income was higher than a year earlier in 4 of the last 4 quarters.
- No dividend in the last 3 financial years.
- Price ₹77.54 on 2026-10-26: -37.0% from the 52-week high, 0.0% from the 52-week low.
Plain facts from the filings, built by the same fixed rules for every company. A line appears only when the data for it is available. Not a view on the stock.
Charts
Weekly close · high ₹118.50 · low ₹77.54
Total incomeNet profit
Total incomeNet profit
Quarterly results
| ₹ cr | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Total income | 314 | 333 | 361 | 388 | 411 | 426 | 454 | 491 |
| Net interest income | – | 333 | 361 | 388 | 411 | 426 | 454 | 491 |
| Other income | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 |
| Net profit | 84 | 88 | 94 | 101 | 109 | 118 | 123 | 130 |
| EPS (₹) | 0.78 | 0.82 | 0.87 | 0.93 | 1.00 | 1.08 | 1.12 | 1.18 |
| Revenue YoY | +30.9% | +27.7% | +25.9% | +26.5% | ||||
| Profit YoY | +30.0% | +34.0% | +30.1% | +29.0% |
Standalone figures where filed. Latest quarter Jun 2026.
Profit & loss (yearly)
| ₹ cr | FY24 | FY25 | FY26 | TTM |
|---|---|---|---|---|
| Revenue | 1,019 | 1,305 | 1,679 | 1,782 |
| Net profit | 237 | 345 | 451 | 480 |
| EPS (₹) | 2.35 | 3.20 | 4.13 | 4.38 |
| Revenue growth | +28.1% | +28.6% | +27.6% | |
| Profit growth | +45.6% | +30.6% | +30.7% | |
| Dividend / share (₹) | – | – | – |
| Compounded growth | 3 years | 5 years | Last 12 months |
|---|---|---|---|
| Sales | – | – | +27.6% |
| Net profit | – | – | +30.7% |
| EPS | – | – | – |
| Share price | – | -1.9% (2y) | -29.7% |
Balance sheet
| ₹ cr | FY24 | FY25 | FY26 |
|---|---|---|---|
| Shareholders' equity | 2,778 | 3,190 | 3,725 |
| Borrowings | 3,601 | 4,135 | 6,342 |
| Cash & equivalents | 466 | 429 | 645 |
| Total assets | 7,063 | 8,596 | 11,085 |
| Fixed assets | 38 | 44 | 49 |
| Capital work in progress | 0 | 0 | 0 |
| Inventory | 0 | 0 | 0 |
Year-end figures from the March annual filing.
Cash flow
| ₹ cr | FY24 | FY25 | FY26 |
|---|---|---|---|
| Cash from operations | -1,155 | -1,415 | -1,893 |
| Cash from investing | 158 | 176 | 131 |
| Cash from financing | 1,037 | 1,281 | 1,977 |
| Capex | 12 | 12 | 15 |
| Free cash flow | -1,167 | -1,427 | -1,907 |
Free cash flow = cash from operations − capex.
Ratios by year
| ₹ cr | FY24 | FY25 | FY26 |
|---|---|---|---|
| ROE % | 8.5% | 10.8% | 12.1% |
Shareholding
| Holder | % (2026-09-30) |
|---|---|
| Promoters | 52.23% |
| FIIs | 7.66% |
| DIIs | 22.24% |
| of which Mutual funds | 16.78% |
| of which Insurance | 4.07% |
| Public (non-institutions) | 17.81% |
| Quarter | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters % | 54.75% | 53.33% | 53.19% | 52.98% | 52.82% | 52.35% | 52.31% | 52.23% |
| Promoter group | % |
|---|---|
| SBFC Holdings Pte.ltd. | 52.23% |
| Clermont Financial Pte. Ltd | 0.00% |
| Public holders above 1% | % |
|---|---|
| SBI Small CAP Fund | 8.05% |
| Aditya Birla SUN Life Mutual Fund - Aditya Birla S | 4.72% |
| Amansa Investments Ltd | 3.69% |
| Franklin India Multi Factor Fund | 2.81% |
| Aseem Dhru | 2.14% |
| HDFC Life Insurance Company Limited | 1.82% |
| Aranda Investments PTE. Ltd. | 1.43% |
| Malabar India Fund Limited | 1.21% |
1,29,790 shareholders. Pledged: – of promoter shares.
Peers in Non Banking Financial Company (NBFC)
| Company | Market cap | P/E | P/B | ROE | ROA | Gross NPA | Sales 3y | Div yield |
|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | ₹5,71,790 cr | 28.1x | 5.2x | 19.9% | 4.14% | – | +25.1% | 0.60% |
| SHRIRAMFIN | ₹1,55,223 cr | 14.6x | 2.4x | 18.5% | 3.51% | – | +17.4% | 0.94% |
| TATACAP | ₹1,27,155 cr | 34.6x | 3.3x | 9.3% | 1.76% | – | – | 0.14% |
| CHOLAFIN | ₹1,23,499 cr | 21.4x | 4.1x | 21.2% | 2.34% | – | +34.4% | 0.14% |
| MUTHOOTFIN | ₹96,184 cr | 9.1x | 2.5x | 32.1% | 5.91% | – | +37.9% | 1.08% |
| LTF | ₹60,381 cr | 17.1x | 2.1x | 12.8% | 2.25% | – | +273.2% | 1.14% |
| SBICARD | ₹51,225 cr | 22.5x | 3.3x | 15.4% | 3.43% | – | +13.3% | 0.42% |
| PIRAMALFIN | ₹44,923 cr | 21.9x | 1.4x | 6.3% | 1.66% | – | – | 0.55% |
| SUNDARMFIN | ₹43,352 cr | 22.5x | 3.4x | 16.2% | 2.82% | – | +23.8% | 0.95% |
| SBFC | ₹8,581 cr | 17.7x | 2.3x | 13.9% | 4.33% | – | – | – |
Documents
- Annual report FY26
- Annual report FY25
- Annual report FY24
- Announcements NSE filings
- BRSR FY26
- Latest results (data file) XBRL
- Announcements BSE filings
Links go to the original files on the exchange website.
About the company
- Other Credit Granting: SBFC Finance Limited is a non-banking financial company (NBFC) focused on providing loans to the underserved section of the society that includes entrepreneurs, small business owners self-employed individuals as well as salaried and working-class individuals.
| Sector | Financial Services |
| Industry | Non Banking Financial Company (NBFC) |
| Sub-industry | Non Banking Financial Company (NBFC) |
| Symbol | SBFC |
| BSE code | 543959 |
| ISIN | INE423Y01016 |
| Face value | ₹10.0 |
| Incorporated | 2008-01-25 |
| Website | www.sbfc.com |
| Plants (India / abroad) | 251 / 0 |
From the company's filings (BRSR FY26).
Data built 2026-10-22 from NSE company filings (XBRL: Integrated Filing - Financials + financial results), NSE shareholding & pledge data; price = NSE close 2026-10-26.