Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
SBFC.NS
SellPremium GrowerSBFC Finance Limited · Financial Services · India · $1.1B · Avg Vol: $3M/d
33
StockRankGet insider-trade alerts
Q
51
V
20
M
52
P/E (TTM)
22.8x
ROE
12.1%
D/E
2.0x
Dividend %
—
COMPANY DESCRIPTION
SBFC Finance Limited, a non-banking financial company, engages in fund-based financing activity in India. The company offers secured loans for micro, small, and medium enterprises (MSME); loans against gold; unsecured personal loans and unsecured business loans; and loan management services.
FINANCIAL SUMMARY (INR)
| Year | 2023 | 2024 | 2025 | 2026 | CAGR | TTM | 2027E | 2028E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 6.4B | 9.4B | 12.4B | 16.4B | 37.0% | 10.7B | 20.4B | 24.2B | 21.6% |
| EPS (INR) | 1.41 | 2.35 | 3.20 | 4.13 | 43.2% | 4.38 | 5.03 | 6.17 | 22.2% |
| Shares | 1.1B | 1.1B | 1.1B | 1.1B | +4.4% | 1.1B | — | — | — |
| Debt | 37.4B | 40.0B | 52.6B | 71.6B | 24.2% | 73.2B | — | — | — |
| Equity | 17.3B | 27.8B | 31.9B | 37.3B | 29.2% | — | — | — | — |
| Op CF | -12.4B | -11.6B | -14.2B | -18.9B | — | -19.0B | — | — | — |
| Inv CF | 2.1B | 1.6B | 1.8B | 1.3B | — | — | — | — | — |
| Fin CF | 10.7B | 10.4B | 12.8B | 19.8B | — | — | — | — | — |
Loading 1Y...
PRICE (1Y)+10.4%
SMA 50SMA 200
Close
$1.04
RSI (14)
65.3
52W High
$1.29
From 52W High
0.8%
SCORE BREAKDOWN
Quality
51
ROIC
8.1%82.3
ROE
12.1%61.4
GP/Assets
9.6%73.1
Op. Margin
58.6%77.3
FCF/Assets
-17.2%3.3
Piotroski
537.9
Int. Cover
7.4x44.8
D/E Ratio
1.96x16.7
Current Ratio
1.81x53.6
Value
20
P/E (TTM)
22.8x19.8
EV/EBITDA
24.7x17.5
P/FCF
—N/A
P/B
3.0x15.6
P/S
10.3x15.9
Div Yield
—N/A
Momentum
52
52W High %
81%28.1
RS 6M
11%74.3
SMA 50/200
0.99x26.4
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
+41%69.1
Q Growth
29%61.1
FUNDAMENTALS
Market Cap
$1.1B
P/E (Forward)
16.3x
Gross Margin
57.6%
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of SBFC.NS are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| SBFC.NS | SBFC Finance Limited(you) | $1.1B | 33 | Sell |
| MASFIN.NS | MAS Financial Services Limited | $555M | 32 | Sell |
| KISSHT.NS | OnEMI Technology Solutions Limited | $619M | 30 | Sell |
| CHOLAHLDNG.NS | Cholamandalam Financial Holdings Limited | $3.0B | 35 | Sell |
| IFCI.NS | IFCI Limited | $2.6B | 26 | Sell |
| FIVESTAR.NS | Five-Star Business Finance Limited | $1.6B | 49 | Hold |
| INDOSTAR.NS | IndoStar Capital Finance Limited | $429M | 27 | Sell |
| FEDFINA.NS | Fedbank Financial Services Limited | $642M | 47 | Hold |
| HUDCO.NS | Housing and Urban Development Corporation Limited | $3.8B | 30 | Sell |
| AYE.NS | Aye Finance Limited | $477M | 43 | Hold |
Peer medians: ROE 11.6% · P/E 18.5x · Gross margin 70.0%