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SBFC Finance Limited
(SBFC)
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Rating:62Neutral
Price Target:
₹85.00
▼(-7.74% Downside)
Action:Reiterated
Date:08/27/26
Overall score is driven primarily by strong income-statement growth, tempered by a major cash-flow weakness (consistently negative operating and free cash flow) and meaningful leverage. Technicals are supportive with the stock trading above key moving averages, but overbought RSI reduces the technical contribution. Valuation is reasonable for a growth lender but not especially cheap, and no dividend yield data provides limited downside support.
Positive Factors
Strong revenue and earnings growth
Rapid multi-year revenue and net income expansion indicates strong lending growth and increasing earnings capacity. If this trajectory persists, SBFC can build scale, spread operating costs across a larger portfolio, and strengthen its position in the secured MSME finance market over coming quarters.
Negative Factors
Persistent negative cash flow
Repeated operating and free cash outflows show that rapid portfolio growth is consuming cash rather than funding itself internally. This makes SBFC more dependent on continued borrowing and balance-sheet capacity, increasing liquidity sensitivity if funding becomes less available or more expensive.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong revenue and earnings growth
Rapid multi-year revenue and net income expansion indicates strong lending growth and increasing earnings capacity. If this trajectory persists, SBFC can build scale, spread operating costs across a larger portfolio, and strengthen its position in the secured MSME finance market over coming quarters.
Read all positive factors
SBFC Finance Limited (SBFC) vs. iShares MSCI India ETF (INDA)
Market Cap
₹90.14B
Dividend YieldN/A
Average Volume (3M)144.34K
Price to Earnings (P/E)18.6
Beta (1Y)1.12
Revenue Growth27.55%
EPS Growth28.90%
CountryIN
Employees5,055
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)4.38
Shares Outstanding1,109,022,600
10 Day Avg. Volume199,473
30 Day Avg. Volume144,340
Financial Highlights & Ratios
PEG Ratio0.71
Price to Book (P/B)2.46
Price to Sales (P/S)5.52
P/FCF Ratio-4.81
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)4.98
Revenue Forecast (FY)₹14.12B
SBFC Finance Limited Business Overview & Revenue Model
Company Description
SBFC Finance Limited operates as a financial services provider, delivering a range of funding solutions. The company's primary offerings include secure credit facilities for Micro, Small, and Medium Enterprises (MSMEs) and loans backed by gold. Ad...
How the Company Makes Money
SBFC primarily makes money through interest income earned on loans it originates and holds on its balance sheet. The core revenue stream is the spread between (a) interest charged to borrowers on secured MSME and small business loans and (b) the c...
SBFC Finance Limited Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
64
Positive
Cash Flow
28
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 17.73B | 16.60B | 12.37B | 9.37B | 6.37B | 4.10B |
| Gross Profit | 8.98B | 8.37B | 6.75B | 4.13B | 2.24B | 1.06B |
| EBITDA | 8.00B | 7.35B | 5.45B | 3.37B | 2.19B | 1.15B |
| Net Income | 4.80B | 4.51B | 3.45B | 2.37B | 1.50B | 645.21M |
Balance Sheet | ||||||
| Total Assets | 130.11B | 110.85B | 85.96B | 70.63B | 57.46B | 45.15B |
| Cash, Cash Equivalents and Short-Term Investments | 16.64B | 6.45B | 7.04B | 7.00B | 3.63B | 9.21B |
| Total Debt | 88.58B | 71.62B | 52.64B | 39.96B | 37.39B | 29.40B |
| Total Liabilities | 91.37B | 73.60B | 54.06B | 42.85B | 40.19B | 32.28B |
| Stockholders Equity | 37.25B | 37.25B | 31.90B | 27.78B | 17.27B | 12.87B |
Cash Flow | ||||||
| Free Cash Flow | -8.41B | -19.07B | -14.24B | -11.67B | -12.53B | -8.31B |
| Operating Cash Flow | -8.36B | -18.93B | -14.15B | -11.55B | -12.45B | -8.22B |
| Investing Cash Flow | -235.46M | 1.31B | 1.74B | 1.59B | 2.06B | 6.52B |
| Financing Cash Flow | 9.22B | 19.77B | 12.81B | 10.37B | 10.71B | 1.83B |
SBFC Finance Limited Technical Analysis
Negative
92.13
Price Trends
91.58
Negative
91.83
Negative
92.98
Negative
Market Momentum
-2.45
Positive
32.07
Neutral
18.75
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:SBFC, the sentiment is Negative. The current price of 92.13 is above the 20-day moving average (MA) of 85.30, above the 50-day MA of 91.58, and below the 200-day MA of 92.98, indicating a bearish trend. The MACD of -2.45 indicates Positive momentum. The RSI at 32.07 is Neutral, neither overbought nor oversold. The STOCH value of 18.75 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:SBFC.
SBFC Finance Limited Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | ₹147.72B | 12.72 | ― | 0.36% | 10.23% | 1.08% | |
67 Neutral | ₹25.13B | 6.08 | ― | ― | 20.59% | 225.35% | |
62 Neutral | ₹90.14B | 18.59 | ― | ― | 27.55% | 28.90% | |
59 Neutral | ₹72.89B | 28.77 | ― | 0.13% | 22.60% | 21.00% | |
58 Neutral | ₹48.17B | 11.96 | ― | 0.77% | 23.25% | 21.56% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
47 Neutral | ₹29.33B | -7.48 | ― | 1.08% | -1.90% | -151.41% |
* General Sector Average
IN:SBFC
SBFC Finance Limited
80.17
-35.23
-30.53%
IN:FIVESTAR
Five-Star Business Finance Limited
471.55
-64.75
-12.07%
IN:INDOSTAR
IndoStar Capital Finance Limited
172.30
-61.75
-26.38%
IN:MASFIN
MAS Financial Services Ltd.
254.95
-50.91
-16.64%
IN:PAISALO
Paisalo Digital Ltd.
79.11
40.45
104.61%
IN:SATIN
Satin Creditcare Network Ltd
225.25
78.30
53.28%
SBFC Finance Limited Corporate Events
SBFC Finance schedules Q2 FY27 earnings call for October 26
Oct 21, 2026
SBFC Finance Limited has scheduled an earnings conference call on Monday, October 26, 2026, at 9:30 a.m. India Standard Time to discuss its financial results for the quarter and half year ended September 30, 2026. The call will feature senior mana...
SBFC Finance Files SEBI Compliance Certificate on Demat Activity for Q2 FY27
Oct 8, 2026
SBFC Finance Limited has submitted to the stock exchanges a compliance certificate for the quarter ended 30 September 2026 under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018. The filing indicates that its registra...
SBFC Finance uploads earnings call audio to strengthen investor disclosure
Jul 25, 2026
SBFC Finance Limited has notified stock exchanges that it has uploaded the audio recording of its earnings conference call held on July 25, 2026, to the investors section of its website. The company also stated that the transcript of the call will...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.