SBFC Finance Q1 FY26 Results:
Standalone net profit for the period increased 28% to ₹101 crores in Q1 FY26, from ₹79 crores in Q1 FY25. Total income for the quarter increased 31% year-on-year to ₹388.5 crores from ₹297.5 crores.
About SBFC Finance Ltd
SBFC Finance Ltd. is a prominent Indian financial services provider. The company specializes in offering credit solutions to small businesses and consumers. It was founded in the year 2008. SBFC Finance has grown to become a significant player in the financial services industry. The headquarters of the company is located in Mumbai, Maharashtra, India. SBFC Finance's main products include secured MSME (Micro, Small, and Medium Enterprise) loans and loans against gold. The company also provides loan management services to third-party financial institutions. SBFC Finance falls under the non-banking financial company (NBFC) sector. +
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LOGINOver 1 Month
-1.81%
Over 6 Months
4.47%
Over 1 Year
32.19%
Over 3 Years
20.16%
SBFC Finance Ltd Summary
Close ₹110.79
Open ₹109.10
High ₹114.28
Low ₹109.10
Volume 44,38,167
Net Turnover (in Cr) ₹49.45
52Wk High ₹123
52Wk Low ₹79.24
52Wk High / Low
79.24
123
SBFC Finance Ltd Fundamentals
Key Financial Data
Market Cap (in Cr) ₹12,111.53
EPS (TTM) 3.59
Book Value (BV) 31.42
Div. Yield -
P/E (TTM) 30.84
Price/Book Value 3.52
Delivery % 52.63 %
Face Value 10
Key Ratios
PE Ratio 27.77
PB Ratio 3.01
EV to Sales 11.05
PEG Ratio 0.63
ROA 4.08
ROE 11.57
Debt-Equity 1.55
Net Profit Margin 26.43
Operating Profit Margin 68.61
SBFC Finance Ltd Financials
Profit and Loss
| Particulars (in ₹ Cr.) | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Total Revenue | 1,306.75 | 1,019.92 | 740.36 | 530.70 |
| Total Expenses | 848.01 | 703.78 | 539 | 444.01 |
| Profit Before Tax | 458.73 | 316.14 | 201.37 | 86.70 |
| Profit After Tax | 345.30 | 237.10 | 149.74 | 64.52 |
| Operating Profit After Depreciation | 458.73 | 316.14 | 201.37 | 86.70 |
Balance Sheet
| Particulars (in ₹ Cr.) | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Fixed Assets | 308.47 | 301.40 | 297.15 | 299.38 |
| Total Non Current Assets | 8,139.39 | 6,544 | 5,319.05 | 4,129.91 |
| Total Current Assets | 456.37 | 518.79 | 427.39 | 385.12 |
| Total Assets | 8,595.76 | 7,062.78 | 5,746.44 | 4,515.03 |
| Total Shareholder's Fund | 3,190.07 | 2,778.07 | 1,727.27 | 1,287.17 |
Cash Flow
| Particulars (in ₹ Cr.) | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Net Cash From Operating Activities | -1,415.01 | -1,155.17 | -1,244.59 | -821.64 |
| Net Cash Used In Investing Activities | 174.19 | 159.37 | 205.92 | 651.82 |
| Net Cash Used In Financing Activities | 1,281.01 | 1,037.20 | 1,071.01 | 183.03 |
Profit and Loss
| Particulars (in ₹ Cr.) | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Total Revenue | 1,306.11 | 1,019.82 | 740.36 | 530.70 | 511.53 |
| Total Expenses | 847.59 | 703.76 | 538.91 | 444.01 | 397.47 |
| Profit Before Tax | 458.52 | 316.06 | 201.45 | 86.70 | 114.06 |
| Profit After Tax | 345.17 | 237.02 | 149.80 | 64.52 | 85.01 |
| Operating Profit After Depreciation | 458.52 | 316.06 | 201.45 | 86.70 | 114.06 |
Balance Sheet
| Particulars (in ₹ Cr.) | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Fixed Assets | 308.46 | 301.40 | 297.15 | 299.38 | 301.45 |
| Total Non Current Assets | 8,139.39 | 6,565.05 | 5,319.10 | 4,129.91 | 3,855.89 |
| Total Current Assets | 456.43 | 497.92 | 427.41 | 385.12 | 375.30 |
| Total Assets | 8,595.81 | 7,062.97 | 5,746.51 | 4,515.03 | 4,231.19 |
| Total Shareholder's Fund | 3,190.13 | 2,778.26 | 1,727.33 | 1,287.17 | 1,205.11 |
Cash Flow
| Particulars (in ₹ Cr.) | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Net Cash From Operating Activities | -1,415.26 | -1,155.35 | -1,244.59 | -821.64 | -275.20 |
| Net Cash Used In Investing Activities | 175.62 | 158.37 | 205.87 | 651.82 | 375.06 |
| Net Cash Used In Financing Activities | 1,280.85 | 1,037.42 | 1,071.01 | 183.03 | -186.67 |
| Particulars (in ₹ Cr.) | 2025-03 | 2024-12 | 2024-09 | 2024-06 | 2024-03 |
|---|---|---|---|---|---|
| Total Revenue | 360.67 | 333.50 | 314.23 | 297.76 | 278.90 |
| Total Expenses | 231.14 | 211.15 | 200.27 | 188.63 | 178.71 |
| Profit Before Tax | 7.20 | 11.67 | 10.01 | 10.62 | 8.91 |
| Profit After Tax | 93.94 | 88.28 | 84.16 | 78.91 | 73.67 |
| Operating Profit after Depreciation | 129.75 | 122.43 | 114.24 | 109.14 | 100.84 |
| Particulars (in ₹ Cr.) | 2025-09 | 2025-06 | 2025-03 | 2024-12 | 2024-09 |
|---|---|---|---|---|---|
| Total Revenue | 410.78 | 388.44 | 360.57 | 333.16 | 313.89 |
| Total Expenses | 260.04 | 247.79 | 230.81 | 211.13 | 200.21 |
| Profit Before Tax | 16.92 | 10.66 | 7.81 | 11.36 | 9.75 |
| Profit After Tax | 109.14 | 100.89 | 94.40 | 88.08 | 83.98 |
| Operating Profit after Depreciation | 150.96 | 140.76 | 130.36 | 122.12 | 113.98 |
SBFC Finance Ltd Technicals
Support and Resistance
S3 S2 S1 Pivot R1 R2 R3
S1 108.50
S2 106.21
S3 103.32
Pivot 111.39
R1 113.68
R2 116.57
R3 118.86
Moving Average
20 SMA 113.12
50 SMA 110.02
100 SMA 109.75
200 SMA 102.69
SBFC Finance Ltd Corporate Actions
No available data
SBFC Finance Ltd Peer Comparison
| Company | Price | Market Cap (in Cr) |
|---|---|---|
| Bajaj Finance Ltd | ₹1,026.45 | ₹6,38,706.65 |
| Bajaj Finserv Ltd | ₹2,079.65 | ₹3,32,289.23 |
| Jio Financial Services Ltd | ₹312 | ₹1,98,222.47 |
| Indian Railway Finance Corporation Ltd | ₹122.70 | ₹1,60,350.57 |
| Shriram Finance Ltd | ₹816.75 | ₹1,53,653.56 |
SBFC Finance Ltd Top Mutal Funds Invested
SBFC Finance Ltd News
Volumes jump at SBFC Finance Ltd counter
SBFC Finance Ltd witnessed volume of 24.4 lakh shares by 14:14 IST on NSE, a 1.43 times surge over two-week average daily volume of 17.07 lakh shares
21 Oct 2025, 02:30 pm
SBFC Finance to table results
On 1 November 2025
26 Sep 2025, 09:56 am
SBFC Finance receives credit ratings for NCDs
07 Aug 2025, 04:35 pm
SBFC Finance allots 4.06 lakh equity shares under ESOS
17 Jul 2025, 01:36 pm
SBFC Finance to conduct board meeting
On 26 July 2025
27 Jun 2025, 11:31 am
SBFC Finance Ltd Stock Analysis
- Annual revenue for SBFC Finance Ltd increased by 28.07% to ₹1,306.11 crore in FY 2025 from ₹1,019.82 crore in FY 2024.
- Annual Net Profit for SBFC Finance Ltd increased by 45.63% to ₹345.17 crore in FY 2025 from ₹237.02 crore in FY 2024.
- Promoter Shareholding in SBFC Finance Ltd decreased by 0.40% in the most recent quarter, from 53.19% in June 2025 to 52.98% in September 2025.
- SBFC Finance Ltd delivered a 1-year return of 32.19% compared to the Nifty 50, which provided a return of 10.91% as of the last trading session.
- SBFC Finance Ltd share price moved down by 1.44% from its previous close of INR ₹110.79. The latest SBFC Finance Ltd share price is INR ₹109.19.
- SBFC Finance Ltd share price today has been at a low of 109 and a high of 111.23. Over the past 52 weeks, the SBFC Finance Ltd share price has seen a low of 79.24 and a high of 123.
About SBFC Finance Ltd
SBFC Finance Ltd. is a leading Indian financial services provider. It specializes in offering credit solutions to small businesses and consumers. The company focuses on providing secured MSME loans and loans against gold. This offering caters to the financial needs of entrepreneurs, small business owners, self-employed individuals, and salaried professionals. SBFC Finance also offers loan management services to third-party financial institutions. This includes private banks, mutual funds, and asset reconstruction companies.
SBFC Finance falls under the non-banking financial company (NBFC) sector. The company was founded in 2008. Since its inception, SBFC Finance has grown to become a significant player in the financial services industry. The company is known for its innovative "PhyGital" model that combines digital technology with personal relationships to create flexible and convenient loan solutions.
The headquarters of SBFC Finance Ltd. is located in Mumbai, Maharashtra, India. The promoter shareholding of the company stands at 55.05%. SBFC Finance is primarily promoted by SBFC Holdings Pte. Ltd. It holds the entire promoter shareholding of the company. The leadership of this promoter has been instrumental in driving the company's growth and success. This demonstrates strong promoter commitment to the business.
The company even provides a full suite of loan management services, helping institutional lenders manage all aspects of loan servicing. This includes client relations, collections, payments, and data storage. The key managerial promoters of the company include:
The registered office of SBFC Finance Ltd. is located at 103, First Floor, C & B Square, Sangam Complex, Andheri East, Mumbai - 400059, Maharashtra, India. Its registrar & transfer agent is Link Intime India Private Limited.
Micro, Small, and Medium Enterprise (MSME) Ecosystem Support SBFC Finance has fundamentally transformed the MSME lending landscape by developing specialized credit solutions that address the unique challenges faced by small businesses. The company provides secured loans with flexible terms and a personalized approach. Thus, it has enabled countless entrepreneurs to overcome financial barriers, launch new ventures, and expand existing businesses. This strategic intervention has supported individual economic ambitions. Also, this has contributed to India's broader economic growth and job creation ecosystem.
Technological Innovation in Financial Services The company's pioneering "PhyGital" model represents a breakthrough in financial service delivery. By seamlessly integrating digital technology with personalized relationship management, SBFC Finance has created a sophisticated lending platform that combines technological efficiency with a human touch. This approach has democratized access to financial services, particularly for underserved segments who traditionally faced challenges in obtaining formal credit. Therefore, it is reducing financial exclusion and creating more inclusive economic opportunities.
Gold Loan Ecosystem Transformation SBFC Finance has reimagined a traditional financial instrument through its innovative gold loan products. This makes it more accessible, transparent, and efficient. The company has developed a solid ecosystem that provides quick, secure, and flexible credit against gold assets. This approach has provided liquidity to customers and created a more organized and trustworthy gold loan market.
Risk Management and Financial Stability SBFC Finance has set new industry standards in risk assessment and management. By developing sophisticated credit evaluation mechanisms that go beyond conventional parameters, the company has created a more nuanced approach to lending. This strategy has enabled the organization to support creditworthy businesses and individuals who might be overlooked by traditional banking systems.
Digital Infrastructure and Financial Literacy Beyond lending, the company has played a crucial role in promoting digital financial literacy. SBFC Finance has empowered customers to make more informed financial decisions. This is done by creating user-friendly digital platforms and providing comprehensive financial guidance. This approach contributes to building a more financially aware and resilient consumer base.
SBFC Finance Ltd. represents more than a financial services provider; it is a catalyst for economic transformation and financial democratization. The company has created a powerful model of inclusive financial services. This is done by combining technological innovation and a deep understanding of customer needs. The organization's influence extends far beyond traditional financial metrics. SBFC Finance supports small businesses and creates innovative lending solutions. This is how it has played a crucial role in unlocking economic potential and contributing to India's economic resilience.
SBFC Finance falls under the non-banking financial company (NBFC) sector. The company was founded in 2008. Since its inception, SBFC Finance has grown to become a significant player in the financial services industry. The company is known for its innovative "PhyGital" model that combines digital technology with personal relationships to create flexible and convenient loan solutions.
The headquarters of SBFC Finance Ltd. is located in Mumbai, Maharashtra, India. The promoter shareholding of the company stands at 55.05%. SBFC Finance is primarily promoted by SBFC Holdings Pte. Ltd. It holds the entire promoter shareholding of the company. The leadership of this promoter has been instrumental in driving the company's growth and success. This demonstrates strong promoter commitment to the business.
The company even provides a full suite of loan management services, helping institutional lenders manage all aspects of loan servicing. This includes client relations, collections, payments, and data storage. The key managerial promoters of the company include:
- Neeraj Swaroop
- Aseem Dhru
- Rajesh Mannalal Agrawal
- Surekha Marandi
- Ravi Venkatraman
The registered office of SBFC Finance Ltd. is located at 103, First Floor, C & B Square, Sangam Complex, Andheri East, Mumbai - 400059, Maharashtra, India. Its registrar & transfer agent is Link Intime India Private Limited.
Influence of the Company
In the complex landscape of Indian financial services, SBFC Finance Ltd. has emerged as a pivotal force driving economic transformation, financial inclusion, and entrepreneurial empowerment. Since its start in 2008, the company has risen above traditional lending models. This is accomplished by creating innovative solutions that bridge critical gaps in the financial ecosystem and support the aspirations of small businesses and individual entrepreneurs across India.Micro, Small, and Medium Enterprise (MSME) Ecosystem Support SBFC Finance has fundamentally transformed the MSME lending landscape by developing specialized credit solutions that address the unique challenges faced by small businesses. The company provides secured loans with flexible terms and a personalized approach. Thus, it has enabled countless entrepreneurs to overcome financial barriers, launch new ventures, and expand existing businesses. This strategic intervention has supported individual economic ambitions. Also, this has contributed to India's broader economic growth and job creation ecosystem.
Technological Innovation in Financial Services The company's pioneering "PhyGital" model represents a breakthrough in financial service delivery. By seamlessly integrating digital technology with personalized relationship management, SBFC Finance has created a sophisticated lending platform that combines technological efficiency with a human touch. This approach has democratized access to financial services, particularly for underserved segments who traditionally faced challenges in obtaining formal credit. Therefore, it is reducing financial exclusion and creating more inclusive economic opportunities.
Gold Loan Ecosystem Transformation SBFC Finance has reimagined a traditional financial instrument through its innovative gold loan products. This makes it more accessible, transparent, and efficient. The company has developed a solid ecosystem that provides quick, secure, and flexible credit against gold assets. This approach has provided liquidity to customers and created a more organized and trustworthy gold loan market.
Risk Management and Financial Stability SBFC Finance has set new industry standards in risk assessment and management. By developing sophisticated credit evaluation mechanisms that go beyond conventional parameters, the company has created a more nuanced approach to lending. This strategy has enabled the organization to support creditworthy businesses and individuals who might be overlooked by traditional banking systems.
Digital Infrastructure and Financial Literacy Beyond lending, the company has played a crucial role in promoting digital financial literacy. SBFC Finance has empowered customers to make more informed financial decisions. This is done by creating user-friendly digital platforms and providing comprehensive financial guidance. This approach contributes to building a more financially aware and resilient consumer base.
SBFC Finance Ltd. represents more than a financial services provider; it is a catalyst for economic transformation and financial democratization. The company has created a powerful model of inclusive financial services. This is done by combining technological innovation and a deep understanding of customer needs. The organization's influence extends far beyond traditional financial metrics. SBFC Finance supports small businesses and creates innovative lending solutions. This is how it has played a crucial role in unlocking economic potential and contributing to India's economic resilience.
FAQ’s
What is the share price of SBFC Finance Ltd today?
SBFC Finance Ltd share price as on 18 Nov 2025 is ₹ 109.19
What is the Market Cap of SBFC Finance Ltd?
The market cap of SBFC Finance Ltd stock is ₹12,111.53 Cr.
What is the PE Ratio of SBFC Finance Ltd?
The Price to Earnings (P/E) Ratio of SBFC Finance Ltd is 27.77
What is the PB Ratio of SBFC Finance Ltd?
The Price to Book (P/B) Ratio of SBFC Finance Ltd is 3.01
What is the 52 week high of SBFC Finance Ltd Share Price?
The 52 week high of SBFC Finance Ltd share price stands at ₹123
What is the 52 week low of SBFC Finance Ltd Share Price?
The 52 week low of SBFC Finance Ltd share price stands at ₹79.24
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