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SBFC Finance (SBFC) had a P/E of 20.0× on 6 Nov 2026, and the shares are 20% below their 52-week high. Its ROE of 14% is the second-lowest among the 7 largest Credit Services peers, and net profit grew 44% a year over 3 years. For banks and lenders, ROCE and debt-to-equity are not used; it trades at 2.52× book value. It is a small-cap company with a market cap of ₹10,223 Cr, ranked 25th of 193 Credit Services companies by market cap; the shares fell 24% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Sep 2026.How we calculate this

past year
Open
₹88.78
Day high
₹92.41
Day low
₹86.70
Prev. close
₹88.78
Volume
21 L

Health check

3 good · 2 fair · 1 to check
  • ReturnsBehind

    −24.5% over a year, better than 1 of 7 peers.

  • Price tagIn line

    P/B 2.52 vs peer median 2.62.

  • GrowthStrong

    Profit +44.4% a year over 3 years.

  • ProfitabilityAverage

    ROE 13.6% vs peer median 18.7%.

  • Balance sheetSolid

    Return on assets 4.34%. Bad-loan data isn’t covered.

  • Red flagsNone found

    No warning signs in the headline numbers.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Credit Services

192 listed peers. Screen the industry

Small cap

₹10,223 Cr, #25 of 193 in its industry by size.

Defensive

Beta 0.59 vs the NIFTY 50: moves less than the market.

Key metrics

Last 12 months to Sep 2026: sales ₹1,128 Cr · profit ₹510 Cr
Market cap
₹10,223 Cr
Small cap
P/E
20.0
Industry 15.5
Price to book
2.52
Peers 2.62
Dividend yield
0.00%
ROE
13.6%
Peers 18.7%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹4.59
Face value ₹10
OPM (TTM)
44.5%
Net margin 45.2%
Sales growth
n/m
Not meaningful for lenders
Profit growth
+26.3%
Latest quarter vs a year ago
Price to sales
9.06

Strengths and risks

Strengths

  • Quarterly profit up 26.3% on a year ago.

No obvious red flags in the headline numbers.

Derived automatically from reported figures. Not a recommendation.

About SBFC Finance

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. It also operates as a corporate agent of insurance products. It serves entrepreneurs, small business owners, self-employed individuals, salaried and working-class…

Headquarters
Mumbai
Employees
5,055
Sector
Financial Services
ISIN
INE423Y01016
Website
sbfc.com

Price range

52 weeks

₹77.25₹114.37

Today

₹86.70₹92.41
Avg volume (3M)
21.7 L
1-year return
minus 24.5%
From 52-week high
minus 19.6%

Analyst consensus

7 analysts
Strong buyMean target ₹116.43 plus 26.6%

Target range, with today’s price

Low ₹100.00High ₹135.00

Today’s price ₹91.99 is below the lowest analyst target.

Consensus from Yahoo Finance. Not a recommendation.

Peers · Credit Services

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
BAJFINANCEBajaj Finance1,087.75plus 1.66%6,77,00531.35.4919.0%3.8%18.2%0.50%plus 1.2%
SHRIRAMFINShriram Finance961.15minus 0.30%2,26,16716.02.0314.8%3.9%18.6%1.80%plus 21.0%
CHOLAFINCholamandalam Investment and Finance Company1,785.00plus 1.42%1,53,10324.54.4120.6%2.6%25.2%0.11%plus 0.8%
TATACAPTata Capital358.05plus 2.93%1,50,97925.43.1014.1%2.2%–0.16%plus 5.6%
MUTHOOTFINMuthoot Finance2,869.00plus 1.06%1,15,1819.42.6231.6%6.3%43.1%1.05%minus 11.0%
PFCPower Finance Corporation328.80minus 0.18%1,08,5074.10.7418.7%2.7%17.7%4.99%minus 16.9%
IRFCIndian Railway Finance Corporation80.43plus 0.37%1,05,11014.31.7312.6%1.4%4.4%2.74%minus 34.4%
SBFCSBFC Finance91.99plus 3.62%10,22320.02.5213.6%4.3%44.4%0.00%minus 24.5%
Median of 7 peers–1.06%1,50,97916.02.6218.7%2.7%18.4%1.05%0.8%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrJun 25Dec 25Mar 26Jun 26Sep 26
380425450487542
222229246269312
158196204218230
41.6%46.2%45.3%44.8%42.4%
0.10.20.10.10.3
5554.85.1
−17.5−33.8−34.7−39.3−39.3
136158164174186
25.7%25.2%25.2%25.3%25.2%
101118123130139
0.911.061.111.171.25

Sep 25 not reported by the data source.

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
+44.4%
EPS CAGR 3Y
+42.8%
ROE
13.6%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
6379371,2371,638
–+47.2%+32.1%+32.4%
464622664828
172315573811
27.1%33.6%46.3%49.5%
67.151.928.220.7
4.97.369.994.8
12.713.416.820.1
−20.4−30.1−56.4−113
201316459604
25.6%25.0%24.7%25.3%
150237345451
–+58.3%+45.6%+30.6%
1.412.303.154.10

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
8901,0721,0851,106
8381,7062,1052,619
3,7393,9965,2647,162
280289141199
5,7467,0638,59611,085
3438.144.249.7
0.40.10.50.6
64041355.7105
363700704737
4,7095,9127,79110,193
5,7467,0638,59611,085

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
−1,245−1,155−1,415−1,893
206159176131
1,0711,0371,2811,977
32.341.441.2216
−8.5−11.9−11.7−14.7
−1,253−1,167−1,427−1,907

Shareholding pattern

Source: NSE filings
52.2%
promoters
  • Promoters52.23%
  • Public47.71%
  • Employee trusts0.06%
  • As of 30 Sep 2026
QuarterSplitPromotersPublicPromoter change
30 Sep 202652.23%47.71%minus 0.08
30 Jun 202652.31%47.63%minus 0.04
31 Mar 202652.35%47.59%minus 0.47
31 Dec 202552.82%47.11%minus 0.16
30 Sep 202552.98%46.95%–

Major shareholders

NSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you