As of 6 Nov 2026, Shalibhadra Finance trades at 11.2× trailing earnings, and the shares are 22% below their 52-week high. Its ROE of 12% is the lowest among the 7 largest Credit Services peers, and net profit grew 32% a year over 3 years. For banks and lenders, ROCE and debt-to-equity are not used; it trades at 1.29× book value and its dividend yield is 0.7%. It is a small-cap company with a market cap of ₹221 Cr, ranked 70th of 193 Credit Services companies by market cap; the shares fell 17% over the past year.
- ₹70.18
- ₹73.71
- ₹68.31
- ₹70.18
- 4.9K
Health check
- ReturnsBehind
−16.7% over a year, better than 2 of 7 peers.
- Price tagCheaper
P/B 1.29 vs peer median 2.62.
- GrowthStrong
Profit +32.5% a year over 3 years.
- ProfitabilityWeak
ROE 11.9% vs peer median 18.7%.
- Balance sheetn/a
Asset quality (bad loans) isn’t in our data.
- Red flagsNone found
No warning signs in the headline numbers.
Small cap
Market sensitivity
Key metrics
- Market cap
- ₹221 Cr
- Small cap
- P/E
- 11.2
- Industry 15.9
- Price to book
- 1.29
- Peers 2.62
- Dividend yield
- 0.71%
- ROE
- 11.9%
- Peers 18.7%
- ROCE
- n/m
- Not meaningful for lenders
- Debt to equity
- n/m
- Not meaningful for lenders
- EPS (TTM)
- ₹6.41
- Face value ₹10
- OPM (TTM)
- 61.2%
- Net margin 54.2%
- Sales growth
- n/m
- Not meaningful for lenders
- Profit growth
- +7.4%
- Latest quarter vs a year ago
- Price to sales
- 6.05
Strengths and risks
Strengths and risks
Nothing stands out either way in the headline numbers.
About Shalibhadra Finance
Shalibhadra Finance Limited operates as an asset finance company in India. The company offers new and used two-wheeler, used three/four-wheeler, auto rickshaw, cars, property, and consumer durable loans. It sells its products through its branches. The company serves the salaried class, agriculturists, and self-employed customers in the rural, semi-urban, and other under banked areas of Gujarat, Maharashtra, Madhya Pradesh, and Rajasthan. Shalibhadra…
- Headquarters
- Mumbai
- Sector
- Financial Services
- ISIN
- INE861D01011
- Website
- shalibhadrafinance.com
Price range
- Avg volume (3M)
- 55.5K
- 1-year return
- minus 16.7%
- From 52-week high
- minus 22.1%
Peers · Credit Services
| Company | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCEBajaj Finance | 1,087.75 | plus 1.66% | 6,77,005 | 31.3 | 5.49 | 19.0% | 3.8% | 18.2% | 0.50% | plus 1.2% |
| SHRIRAMFINShriram Finance | 961.15 | minus 0.30% | 2,26,167 | 16.0 | 2.03 | 14.8% | 3.9% | 18.6% | 1.79% | plus 21.0% |
| CHOLAFINCholamandalam Investment and Finance Company | 1,785.00 | plus 1.42% | 1,53,103 | 24.5 | 4.41 | 20.6% | 2.6% | 25.2% | 0.11% | plus 0.8% |
| TATACAPTata Capital | 358.05 | plus 2.93% | 1,50,979 | 25.4 | 3.10 | 14.1% | 2.2% | – | 0.16% | plus 5.6% |
| MUTHOOTFINMuthoot Finance | 2,869.00 | plus 1.06% | 1,15,181 | 9.4 | 2.62 | 31.6% | 6.3% | 43.1% | 1.06% | minus 11.0% |
| PFCPower Finance Corporation | 328.80 | minus 0.18% | 1,08,507 | 4.1 | 0.74 | 18.7% | 2.7% | 17.7% | 4.98% | minus 16.9% |
| IRFCIndian Railway Finance Corporation | 80.43 | plus 0.37% | 1,05,110 | 14.3 | 1.73 | 12.6% | 1.4% | 4.4% | 2.75% | minus 34.4% |
| SAHLIBHFIShalibhadra Finance | 71.65 | plus 2.09% | 221 | 11.2 | 1.29 | 11.5% | – | 32.5% | 0.71% | minus 16.7% |
| Median of 7 peers | – | 1.06% | 1,50,979 | 16.0 | 2.62 | 18.7% | 2.7% | 18.4% | 1.06% | 0.8% |
Quarterly results
| ₹ Cr | Jun 25 | Sep 25 | Dec 25 | Mar 26 | Jun 26 |
|---|---|---|---|---|---|
| 9.5 | 9.5 | 11.1 | 11 | 11 | |
| 3.5 | 3.4 | 4.6 | 3.9 | 4.6 | |
| 6 | 6.1 | 6.5 | 7.1 | 6.3 | |
| 62.8% | 64.6% | 58.7% | 64.4% | 57.7% | |
| 0 | 0 | 0 | 0 | 0.1 | |
| 0 | 0 | 0 | 0 | 0 | |
| 5.9 | 6.1 | 6.5 | 7 | 6.4 | |
| 22.8% | 22.1% | 23.0% | 27.1% | 23.4% | |
| 4.6 | 4.8 | 5 | 5.1 | 4.9 | |
| 1.48 | 1.54 | 1.62 | 1.66 | 1.59 |
Profit & loss
- Profit CAGR 3Y
- +32.5%
- EPS CAGR 3Y
- +18.1%
- ROE
- 11.9%
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 27.4 | 32.3 | 34.6 | 40.6 | |
| – | +17.9% | +7.1% | +17.3% | |
| 9.4 | 11 | 10.8 | 11.4 | |
| 18 | 21.3 | 23.8 | 29.2 | |
| 65.7% | 65.9% | 68.7% | 71.9% | |
| 0 | 0.3 | 0.3 | 0.3 | |
| 4.9 | 3.9 | 3.6 | 3.7 | |
| 0.1 | 0.1 | 0.1 | 0.1 | |
| −1.7 | −1.6 | 0.3 | −0.1 | |
| 11.3 | 16.1 | 20.6 | 25.6 | |
| 25.8% | 25.7% | 22.4% | 23.9% | |
| 8.4 | 12 | 16 | 19.5 | |
| – | +42.8% | +33.7% | +21.8% | |
| 3.83 | 4.47 | 4.32 | 6.31 |
Forecast
Balance sheet
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 6.3 | 7 | 7.7 | 30.9 | |
| 72 | 89.8 | 147 | 141 | |
| 55.1 | 57.9 | 37.5 | 56.1 | |
| 3.1 | 3.5 | 3.7 | 4.2 | |
| 136 | 158 | 195 | 232 | |
| 2.5 | 2.6 | 3.4 | 4.3 | |
| 0.3 | 0.5 | 9.3 | 3.6 | |
| 3.3 | 12.2 | 12.2 | 7.9 | |
| 130 | 143 | 171 | 216 | |
| 136 | 158 | 195 | 232 |
Cash flow
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| −4.6 | 2.5 | −27 | −19.8 | |
| −2 | −2.2 | −10.4 | 4.8 | |
| 10.6 | 9.5 | 24.3 | 17.4 | |
| 4 | 9.8 | −13.1 | 2.4 | |
| −0.2 | −0.1 | −0.9 | −1.1 | |
| −4.8 | 2.4 | −27.9 | −20.8 | |
| −0.4 | −0.6 | −0.8 | −1.2 |
Shareholding pattern
NSE hasn’t returned a shareholding pattern for this company.
Major shareholders
Filings & events
News
No recent news coverage found.