SBFC Finance Limited (SBFC) AI Stock Analysis

• Market Cap: ₹122.15B
• Dividend Yield: N/A
• Average Volume (3M): 267.12K
• Price to Earnings (P/E): 32.1
• Beta (1Y): 0.97
• Revenue Growth: 28.48%
• EPS Growth: 33.13%
• Country: IN
• Employees: 3,758
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 0.90
• Shares Outstanding: 1,091,537,000
• 10 Day Avg. Volume: 107,880
• 30 Day Avg. Volume: 267,122
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹123.33
• Price Target Upside: 13.20% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 65 Neutral
• Price Target: ₹116.00 ▲(6.47% Upside)

The overall stock score is driven primarily by strong financial performance, despite weak cash flow management. Technical indicators suggest a neutral market position, while valuation metrics indicate potential overvaluation. The absence of earnings call and corporate events data limits further insights.

SBFC Finance Limited Business Overview & Revenue Model

Company Description

SBFC Finance Limited, a financial services platform, provides financing solutions. The company offers secured MSME loans and loans against gold, as well as loan management services to third-party financial institutions, including private banks, public sector banks, foreign banks, mutual funds, and asset reconstruction companies. It serves entrepreneurs and individual customers, as well as micro, small, and medium enterprises. The company was incorporated in 2008 and is headquartered in Mumbai, India. SBFC Finance Limited operates as a subsidiary of SBFC Holdings Pte. Ltd.

How the Company Makes Money

SBFC Finance Limited generates revenue primarily through the interest and fees associated with its lending activities. The company offers secured loans to small and medium-sized enterprises (SMEs) and individuals, earning interest income from these loans. Additionally, SBFC charges processing fees and other service-related fees in connection with its loan products. The company's extensive branch network and digital channels enable it to efficiently reach a broad customer base, while maintaining strong relationships with borrowers to minimize default risk. Partnerships with other financial institutions and technology providers may also enhance SBFC's service offerings and operational efficiencies, contributing to its revenue growth.

SBFC Finance Limited Financial Statement Overview

Summary

SBFC Finance Limited shows strong revenue and profit growth with efficient operations, as evidenced by high margins. The balance sheet is stable, though increasing liabilities pose a risk. Cash flow management is a weak spot due to negative free cash flow growth, but liquidity is managed through financing activities.

Income Statement

The income statement shows strong revenue growth with a significant increase in total revenue from 2024 to 2025, indicating a positive trajectory. The gross profit margin is healthy, and the net profit margin has improved consistently over the years. EBIT and EBITDA margins are robust, reflecting strong operational efficiency.

Balance Sheet

The balance sheet indicates a moderate debt-to-equity ratio, suggesting a balanced approach to leverage. However, the increase in total liabilities over time could pose a potential risk. The return on equity has improved, reflecting enhanced profitability. The equity ratio is stable, indicating a solid asset base.

Cash Flow

The company experiences negative free cash flow growth, which could be a concern if it continues. The operating cash flow to net income ratio is negative, highlighting challenges in converting earnings to cash. However, the company has been active in financing activities, which supports liquidity.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	11.37B	13.05B	6.18B	7.38B	5.14B	5.04B
Gross Profit	6.92B	8.14B	6.18B	4.27B	2.70B	2.33B
EBITDA	5.42B	9.01B	3.37B	4.94B	3.23B	3.63B
Net Income	3.45B	3.45B	2.37B	1.50B	645.21M	850.10M
Balance Sheet
Total Assets	85.96B	85.96B	70.63B	57.46B	45.15B	42.31B
Cash, Cash Equivalents and Short-Term Investments	7.04B	7.04B	7.00B	3.63B	9.21B	10.28B
Total Debt	53.77B	52.64B	39.96B	37.39B	29.40B	27.68B
Total Liabilities	54.06B	54.06B	42.85B	40.19B	32.28B	30.26B
Stockholders Equity	31.90B	31.90B	27.78B	17.27B	12.87B	12.05B
Cash Flow
Free Cash Flow	0.00	-14.24B	-11.67B	-12.53B	-8.31B	-2.90B
Operating Cash Flow	0.00	-14.15B	-11.55B	-12.45B	-8.22B	-2.75B
Investing Cash Flow	0.00	1.74B	1.59B	2.06B	6.52B	3.75B
Financing Cash Flow	0.00	12.81B	10.37B	10.71B	1.83B	-1.87B

SBFC Finance Limited Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 108.95
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:SBFC, the sentiment is Positive. The current price of 108.95 is above the 20-day moving average (MA) of 107.27, above the 50-day MA of 108.51, and above the 200-day MA of 98.74, indicating a bullish trend. The MACD of 0.63 indicates Negative momentum. The RSI at 62.68 is Neutral, neither overbought nor oversold. The STOCH value of 83.34 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:SBFC.

SBFC Finance Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UTIAMC	75 Outperform	177.48B	24.76	15.90%	1.88%	3.62%	-9.49%
CANFINHOME	72 Outperform	103.55B	11.75	16.91%	1.57%	9.28%	14.93%
RELIGARE	68 Neutral	84.58B	72.68	4.98%	―	12.98%	-37.79%
SBFC	65 Neutral	₹122.15B	32.09	―	―	28.48%	33.13%
INDIASHLTR	54 Neutral	96.28B	23.14	13.95%	0.58%	36.66%	39.33%
IFCI	52 Neutral	152.07B	45.32	1.97%	―	-4.18%	109.86%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

SBFC Finance Limited Corporate Events

SBFC Finance Limited Receives ‘IND AA-/Stable’ Credit Rating for Debentures

SBFC Finance Limited has announced that India Ratings and Research Private Limited has assigned a credit rating of ‘IND AA-/Stable’ to its non-convertible debentures amounting to ₹700 crore. This rating reflects the company’s stable outlook and may impact its market positioning by potentially enhancing investor confidence and influencing borrowing costs.