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SBFC Finance Limited
(SBFC)
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Rating:62Neutral
Price Target:
₹94.00
▲(2.03% Upside)
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 growth
Rapid multi-year revenue expansion, including another sharp increase in 2026, indicates that SBFC is scaling its lending franchise and reaching more customers. If maintained, this growth can broaden the earnings base and strengthen operating leverage over the next several quarters.
Negative Factors
Persistent negative cash flow
Consistently negative operating and free cash flow means reported growth is consuming cash rather than generating it. SBFC therefore remains dependent on additional funding and balance-sheet capacity to originate loans, creating a durable liquidity constraint if funding access or growth conditions weaken.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong revenue growth
Rapid multi-year revenue expansion, including another sharp increase in 2026, indicates that SBFC is scaling its lending franchise and reaching more customers. If maintained, this growth can broaden the earnings base and strengthen operating leverage over the next several quarters.
Read all positive factors
SBFC Finance Limited (SBFC) vs. iShares MSCI India ETF (INDA)
Market Cap
₹98.31B
Dividend YieldN/A
Average Volume (3M)567.53K
Price to Earnings (P/E)20.3
Beta (1Y)1.13
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. Volume101,479
30 Day Avg. Volume567,529
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)5.03
Revenue Forecast (FY)₹14.08B
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
94.23
Negative
93.27
Negative
94.70
Negative
Market Momentum
-1.51
Positive
32.79
Neutral
8.63
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 below the 20-day moving average (MA) of 95.65, below the 50-day MA of 94.23, and below the 200-day MA of 94.70, indicating a bearish trend. The MACD of -1.51 indicates Positive momentum. The RSI at 32.79 is Neutral, neither overbought nor oversold. The STOCH value of 8.63 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 | ₹153.69B | 13.91 | ― | 0.77% | 10.23% | 1.08% | |
67 Neutral | ₹26.09B | 6.35 | ― | ― | 20.59% | 225.35% | |
62 Neutral | ₹98.31B | 20.29 | ― | ― | 27.55% | 28.90% | |
62 Neutral | ₹81.07B | 32.14 | ― | 0.11% | 22.60% | 21.00% | |
59 Neutral | ₹51.22B | 13.01 | ― | 0.71% | 23.25% | 21.56% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
47 Neutral | ₹35.33B | -9.04 | ― | 1.08% | -1.90% | -151.41% |
* General Sector Average
IN:SBFC
SBFC Finance Limited
88.83
-18.47
-17.21%
IN:FIVESTAR
Five-Star Business Finance Limited
520.65
6.27
1.22%
IN:INDOSTAR
IndoStar Capital Finance Limited
218.55
-31.60
-12.63%
IN:MASFIN
MAS Financial Services Ltd.
282.25
-16.15
-5.41%
IN:PAISALO
Paisalo Digital Ltd.
88.68
51.86
140.81%
IN:SATIN
Satin Creditcare Network Ltd
237.25
91.05
62.28%
SBFC Finance Limited Corporate Events
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...
SBFC Finance Reshuffles CFO Role and Updates Governance Framework
Jul 15, 2026
SBFC Finance Limited’s board has accepted the resignation of Chief Financial Officer and Key Managerial Personnel Narayan Barasia, effective at the close of business on July 15, 2026, as he departs to pursue an entrepreneurial venture. The b...
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.