SBFC Finance
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SBFC Finance share price

SBFC Finance Ltd.

NSE: SBFC BSE: 543959 SECTOR: Finance - NBFC  109k   120   37

87.09
+0.12 (0.14%)
BSE: 21 Feb 04:01 PM

Price Summary

Today's High

₹ 87.66

Today's Low

₹ 85.01

52 Week High

₹ 105.72

52 Week Low

₹ 72.23

FinStar

Ownership Very Stable
High level of belief in company’s potential exhibited by insiders.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 9441.89 Cr.

Advances

₹ 5836.49 Cr.

No. of Shares

108.42 Cr.

P/E

29.12

P/B

3.08

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  28.27

Operating Revenue

₹ 1018.54 Cr.

Net Profit

₹ 237.02 Cr.

Promoter Holding

54.75 %

EPS (TTM)

₹  2.99

Sales Growth

38.99

ROE

10.66 %

ROCE

10.92%

Profit Growth

58.23 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year38.99%
3 Year26.17%
5 Year41.98%

Profit Growth

1 Year58.23%
3 Year40.75%
5 Year57.53%

ROE%

1 Year10.66%
3 Year8.68%
5 Year7.53%

ROCE %

1 Year10.92%
3 Year9.45%
5 Year9.52%

ROA%

3.6427

PEG Ratio

0.93

PAT Margin (%)

23.2707

EPS Growth(%)

31.3142

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2024 54.75 0.00
Sep 2024 55.05 0.00
Jun 2024 55.19 0.00
Mar 2024 60.66 0.00
Dec 2023 63.73 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 26.1713554721301%.
  • The company has delivered substantial profit growth of 40.7469319217882% over past 3 years.
  • The company boasts a well-maintained advances growth ratio of 41.2690175454528%.
  • Promoters shareholding is 54.75%.

 Limitations

  • Provision and contingencies have increased by 41.5166880258539%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
Operating Revenue 263.84 278.8 297.5 313.89 333.16
Other Income 0.09 0.65 0.01 0.3 0.09
Interest Expended 84.58 88.3 94.76 100.38 106.11
Operating Expenses 90.21 90.6 93.87 99.83 105.02
Total Provisions 0 0 0 0 0
Depreciation 3.42 3.63 3.76 3.85 4.65
Profit Before Tax 85.73 96.92 105.12 110.13 117.47
Tax 21.72 23.49 26.41 26.15 29.39
Net Profit 64.02 73.43 78.72 83.98 88.08
Adjusted EPS (RS) 0.6 0.69 0.73 0.78 0.81

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Operating Income 444.67 507.1 529.05 732.81 1018.54
Other Income 0.18 4.43 3.98 7.55 1.28
Interest 244.22 239.33 222.07 278.19 352.5
Operating Expenses 109.24 123.57 169.58 225.6 300.63
Total Provisions 32.77 34.57 54.69 35.12 50.63
Exceptional Items 0 0 0 0 0
Profit Before Tax 58.61 114.07 86.7 201.45 316.06
Tax 23.12 29.06 22.18 51.65 79.04
Profit After Tax 35.5 85.01 64.52 149.8 237.02
Adjusted EPS (Rs.) 0.48 1.07 0.8 1.68 2.21

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 742.32 796.67 806.8 889.57 1071.89
Total Reserves 270.16 408.43 480.37 837.76 1706.37
Borrowings 3055.61 2768.17 2939.91 3739.06 3996.02
Other N/C liabilities 24.46 23.71 19.7 12.74 11.23
Current liabilities 127.7 276.52 336.89 267.38 481.35
Total Liabilities 4220.24 4273.51 4583.66 5746.51 7266.86
Assets
Loans 1548.16 2070.19 2982.41 4415.31 5836.49
Net Block 293.83 301.11 299.39 296.4 299.87
Capital WIP 0 0 0 0 0
Intangible WIP 0 0.33 0 0.75 1.53
Investments 1691 788.9 249.47 427.24 227.91
Other Loans 2.35 2.26 2.97 3.47 6.88
Other N/C Assets 0 0 0 0 0
Current Assets 684.9 1110.71 1049.43 603.35 894.17
Total Assets 4220.24 4273.51 4583.66 5746.51 7266.86
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Dec 2023% Mar 2024% Jun 2024% Sep 2024% Dec 2024%
promoters 63.73 60.66 55.19 55.05 54.75
sbfc holdings pte.ltd - - - 55.05 54.75
sbfc holdings pte.ltd. 58.26 55.21 55.19 - -
arpwood capital private l... 1.04 1.03 - - -
arpwood partners investme... 4.22 4.20 - - -
eight45 services llp 0.22 0.22 - - -
PARTICULARS Dec 2023% Mar 2024% Jun 2024% Sep 2024% Dec 2024%
investors 36.27 39.34 44.81 44.95 45.25
aditya birla sun life tru... - 1.53 2.27 2.52 2.57
amansa investments ltd 3.83 3.81 3.81 3.80 3.78
aseem dhru 3.20 3.18 - 3.01 3.16
custody bank of japan, lt... - - 1.14 1.21 1.20
mahesh kanyalal dayani 1.31 1.17 1.22 1.05 1.13
malabar india fund limite... 2.46 2.13 2.13 2.13 2.12
malabar select fund 1.13 1.12 1.12 1.12 1.11
massachusetts institute o... 1.28 1.27 1.27 1.27 1.26
sbi small cap fund - 7.22 9.01 8.59 8.55
steadview capital mauriti... 1.70 1.53 1.53 1.25 1.24
aseem dhru - - 3.18 - -
sbi retirement benefit fu... 7.25 - - - -

Annual Reports

No Annual reports exist for this company.Report us

Ratings & Research Reports

Company Presentations

Company News

SBFC Finance informs about analyst meet 17 Feb, 4:45 PM SBFC Finance - Quaterly Results 25 Jan, 4:39 PM SBFC Finance - Quaterly Results 25 Jan, 4:39 PM SBFC Finance - Quaterly Results 25 Jan, 4:39 PM SBFC Finance informs about board meeting 28 Dec, 4:08 PM SBFC Finance gets corporate agency license from IRDAI 26 Nov, 3:28 PM SBFC Finance - Quaterly Results 26 Oct, 4:40 PM SBFC Finance - Quaterly Results 26 Oct, 4:40 PM SBFC Finance - Quaterly Results 26 Oct, 4:40 PM SBFC Finance informs about press release 29 Jul, 5:29 PM SBFC Finance - Quaterly Results 27 Jul, 2:45 PM SBFC Finance - Quaterly Results 27 Jul, 2:45 PM SBFC Finance - Quaterly Results 27 Jul, 2:45 PM SBFC Finance raises Rs 200 crore via NCDs 18 Jul, 5:21 PM SBFC Finance informs about disclosure 11 Jul, 2:27 PM SBFC Finance informs about analyst meet 23 May, 5:24 PM SBFC Finance informs about audio recording for earning conference call 2 May, 2:03 PM SBFC Finance informs about newspaper advertisement 29 Apr, 2:47 PM SBFC Finance - Quaterly Results 27 Apr, 3:31 PM SBFC Finance - Quaterly Results 27 Apr, 3:31 PM SBFC Finance - Quaterly Results 27 Apr, 3:31 PM SBFC Finance informs about press release 20 Apr, 4:46 PM SBFC Finance informs about outcome of board meeting 27 Mar, 10:01 AM SBFC Finance informs about board meeting 19 Mar, 2:14 PM SBFC Finance informs about board meeting 19 Mar, 12:19 PM SBFC Finance informs about analyst meet 14 Mar, 1:51 PM SBFC Finance raises Rs 200 crore via NCDs 5 Mar, 11:20 AM SBFC Finance informs about appointment of independent director 2 Mar, 1:23 PM SBFC Finance informs about outcome of board meeting 22 Feb, 9:56 AM SBFC Finance informs about monitoring agency report 30 Jan, 4:57 PM SBFC Finance - Quaterly Results 25 Jan, 1:59 PM SBFC Finance - Quaterly Results 25 Jan, 1:59 PM SBFC Finance - Quaterly Results 25 Jan, 1:59 PM SBFC Finance informs about allotment under ESOP 7 Nov, 2:59 PM SBFC Finance - Quaterly Results 27 Oct, 2:07 PM SBFC Finance - Quaterly Results 27 Oct, 2:07 PM SBFC Finance - Quaterly Results 27 Oct, 2:07 PM SBFC Finance submits analyst meet intimation 23 Oct, 2:49 PM Bajaj Finance divests 0.77% stake in SBFC Finance 6 Sep, 3:50 PM SBFC Finance informs about transcript of earnings conference call 2 Sep, 11:13 AM SBFC Finance - Quaterly Results 29 Aug, 7:21 PM SBFC Finance informs about closure of trading window 16 Aug, 3:48 PM SBFC Finance coming up with IPO to raise upto Rs 1082 crore 31 Jul, 4:02 PM SBFC Finance informs about disclosure 27 Apr, 4:56 PM

SBFC Finance Stock Price Analysis and Quick Research Report. Is SBFC Finance an attractive stock to invest in?

Around 2% of India's total population invests in financial assets. The mutual fund industry's penetration in India is close to 7% (Based on the number of PAN cardholders). This under penetration offers a huge opportunity for the industry to grow.

Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry.

Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

SBFC Finance stock price today is Rs 87.05. To understand the functions of the SBFC Finance better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of SBFC Finance is Rs 237.021 Cr and the compounded growth of profit in the past 3 years is 40.7464508590513 %. The PAT margin of SBFC Finance is 23.2707 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In SBFC Finance , the EPS grew by 31.3142 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): SBFC Finance has a average ROE track record. The ROE of SBFC Finance is at 10.6612 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of SBFC Finance is worth at the current levels at Rs 87.05. The stock is trading at a current P/E ratio of 37.0071 and the average historical P/E for the last 5 years was 7.40142.

  • P/B ratio can be one of the best metrics to value such companies. Currently, SBFC Finance is trading at a P/B of 3.0767 . The average historical P/B of SBFC Finance for the last 5 years was 0.63808. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

  • Share Price: - The current share price of SBFC Finance is Rs 87.05. One can use valuation calculators of ticker to know if SBFC Finance share price is undervalued or overvalued.

Last Updated on:
Brief about SBFC Finance

SBFC Finance Ltd. Financials: Check Share Price, Balance Sheet, Annual Report, Quarterly Results, Shareholding, Company Profile and News for Company Analysis

SBFC Finance Ltd. is a non-banking financial company that provides a variety of financial services to its customers. The company was founded in 1995 and is based in Mumbai, India. SBFC Finance Ltd. operates in various segments, including retail, corporate, and treasury.

The company's retail segment provides a variety of financial products and services to individuals. These include loans for home, vehicle, personal, and education purposes. It also offers savings and current accounts, fixed deposits, and insurance products.

SBFC Finance Ltd.'s corporate segment provides customized financial solutions to corporate clients. These include project financing, working capital financing, and bill discounting facilities.

The treasury segment of the company manages its investment portfolio and trades in various financial instruments to generate income.

Share Price of SBFC Finance Ltd.

The share price of SBFC Finance Ltd. can be accessed on our website. Our website provides real-time updates on the stock price and allows investors to track the movement of the share price over time. The website also provides charts that help investors to analyze the trend of the stock price.

Balance Sheet of SBFC Finance Ltd.

The balance sheet of SBFC Finance Ltd. can be accessed on our website. Our pre-built screening tools allow investors to analyze the balance sheet of the company and identify key financial parameters. We also provide premium features that allow fair value calculation using tools such as DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis.

Annual Report of SBFC Finance Ltd.

The annual report of SBFC Finance Ltd. can be downloaded from our website. The annual report provides a detailed overview of the company's financial performance over the course of a year. It includes information on the company's revenue, expenses, assets, liabilities, and profits. The report also provides a detailed analysis of the company's operations and future outlook.

Dividend of SBFC Finance Ltd.

SBFC Finance Ltd. pays dividends to its shareholders. Our website provides real-time updates on the dividend payouts and also allows investors to track the dividend history of the company.

Quarterly Result of SBFC Finance Ltd.

The quarterly results of SBFC Finance Ltd. can be accessed on our website. Our pre-built screening tools allow investors to analyze the quarterly results of the company and identify key financial parameters. We also provide premium features that allow fair value calculation using tools such as DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis.

Stock Price Chart of SBFC Finance Ltd.

Our website provides stock price charts for SBFC Finance Ltd. These charts help investors to analyze the trend of the stock price over time. The charts can be customized to include various indicators and time periods.

News Updates of SBFC Finance Ltd.

We provide regular news updates on SBFC Finance Ltd. Our website keeps investors informed about the latest developments in the company and the industry. The news updates are curated from various sources and provide investors with a comprehensive view of the company and the market.

Concall Transcripts of SBFC Finance Ltd.

The concall transcripts of SBFC Finance Ltd. can be downloaded from our website. The concall transcripts provide a detailed analysis of the company's performance and future outlook. They also provide insights into the management's strategy and vision for the company.

Investor Presentations of SBFC Finance Ltd.

The investor presentations of SBFC Finance Ltd. can be downloaded from our website. The investor presentations provide a detailed overview of the company's operations, financial performance, and future outlook. They also provide insights into the management's strategy and vision for the company.

Promoters of SBFC Finance Ltd.

The promoters of SBFC Finance Ltd. can be accessed on our website. Our website provides information on the key individuals who founded the company and currently hold significant stake in it.

Shareholders of SBFC Finance Ltd.

The shareholders of SBFC Finance Ltd. can be accessed on our website. Our website provides information on the individuals and institutions who currently hold shares in the company.

Conclusion

This article provides a comprehensive overview of SBFC Finance Ltd.'s stock analysis page. Our website provides a variety of tools and resources that help investors to analyze the company's financial performance and future outlook. From balance sheets to investor presentations, our website offers a wide range of information that helps investors make informed investment decisions. 

SBFC Finance Equity and Liabilities Growth

Analyzing the balance sheets from Mar 2020 to Mar 2024, SBFC Finance shows a steady increase in its 'Share Capital' from Rs 742.32 Cr in Mar 2020 to Rs 1,071.89 Cr in Mar 2024. 'Total Reserves' saw a significant jump, charting a more than fourfold increase from Rs 270.16 Cr to Rs 1,706.37 Cr in the same period. The company's 'Borrowings' also expanded from Rs 3,055.61 Cr to Rs 3,996.02 Cr, indicating a reliance on debt financing for growth.

SBFC Finance Assets Diversification

On the assets side, 'Loans' remain the major asset for SBFC Finance, climbing impressively from Rs 1,548.16 Cr in Mar 2020 to Rs 5,836.49 Cr in Mar 2024. Although 'Investments' decreased from Rs 1,691 Cr to Rs 227.91 Cr, this suggests strategic asset reallocation or a focus on their core lending business. 'Current Assets' experienced fluctuations but increased overall from Rs 684.90 Cr to Rs 894.17 Cr.

SBFC Finance Stable Balance Sheet

SBFC Finance's balance sheet total stands consistent with its totals for both liabilities and assets matching at Rs 7,266.86 Cr as of Mar 2024. This reflects a stable financial position with managed equilibrium between what the company owns and owes.

This analysis is based on the Standalone Balance Sheet of SBFC Finance. As investors closely monitor emerging opportunities, SBFC Finance's strategic financial management might make it a notable entity in stock screening discussions within its sector on NSE BSE indices.

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