| Quarterly Financials | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 |
Revenue  | 224 | 240 | 256 | 277 | 287 | 303 | 326 | 360 |
| Expenses | 75 | 84 | 90 | 90 | 94 | 100 | 105 | 113 |
| EBITDA | 148 | 156 | 166 | 186 | 194 | 203 | 221 | 246 |
| Operating Profit % | 66 % | 65 % | 65 % | 67 % | 67 % | 67 % | 68 % | 69 % |
| Depreciation | 3 | 3 | 3 | 4 | 4 | 4 | 5 | 5 |
| Interest | 89 | 89 | 85 | 88 | 95 | 100 | 106 | 118 |
| Profit Before Tax | 63 | 71 | 86 | 97 | 105 | 110 | 118 | 125 |
| Tax | 16 | 18 | 22 | 24 | 27 | 26 | 30 | 31 |
| Net Profit | 47 | 53 | 64 | 74 | 79 | 84 | 88 | 94 |
| EPS in ₹ | 0.52 | 0.52 | 0.60 | 0.69 | 0.74 | 0.78 | 0.82 | 0.87 |
SBFC Finance
SBFC Finance
112.40
-5.12
(-4.36%)
Q1 Quarterly Results are out. Check out the updated financials3 days ago
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Key Fundamentals
Market Cap
12,827.70 Cr
EPS
3.21
PE Ratio
35.57
Dividend Yield
0.00 %
Industry
Financial Services 52 Week High
123.00
52 Week Low
79.24
PB Ratio
3.85
Debt to Equity
1.55
Sector
NBFC Analyst Rating and Forecast
- By Refinitiv from7 analysts
Actual
Company News
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SBFC Finance Limited allotted 26,51,417 equity shares to employees under seven different employee stock option schemes. The allotment includes shares from SBFC Stock Option Policy 2021-II (48,624 shares at Rs. 40), SBFC Stock Option Policy 2021-III-Special Grant (23,065 shares at Rs. 40), SBFC Stock Option Policy 2021-IV (11,48,437 shares at Rs. 21.45), SBFC Stock Option Policy 2021-V (4,40,625 shares at Rs. 40), SBFC Stock Option Policy 2023-I (53,823 shares at Rs. 55), SBFC Stock Option Policy 2023-II (5,00,000 shares at Rs. 55), and SBFC Stock Option Policy 2023-III (4,36,843 shares at Rs. 87.33). Following this allotment, the company's issued and paid-up equity share capital increased from 1,09,31,97,401 equity shares aggregating to Rs. 10,93,19,74,010 to 1,09,58,48,818 equity shares aggregating to Rs. 10,95,84,88,180. All newly allotted shares have a face value of Rs. 10 each and will rank pari-passu with existing equity shares.
SBFC Finance Limited's Board approved the SBFC Stock Option Policy 2025-I, creating a pool of 1.21 crore employee stock options subject to shareholder approval through postal ballot. The exercise price will be determined based on the average closing price of five trading days preceding the grant date. The company experienced significant leadership changes with two key resignations: Shanesh Jain, Head-Internal Audit, resigned to relocate to UAE for personal reasons, and Viney Vaid, Head-Credit, resigned after eight years with the company due to personal reasons. To fill the credit leadership gap, SBFC appointed Sreenivas Mylavarapu as Chief Credit Officer. Mylavarapu brings 29 years of banking experience across retail, MSME, agriculture, and microfinance segments, with previous roles at Karnataka Bank Ltd., Aditya Birla Housing Finance, Kotak Mahindra Bank, IDBI Bank, and State Bank of Hyderabad. All changes took effect from November 1, 2025.
SBFC Finance announced its quarterly results showing Gross Non-Performing Assets (GNPA) at 2.77%, a slight improvement from 2.78% in the previous quarter. Net Non-Performing Assets (NNPA) also decreased to 1.51% from 1.57% quarter-on-quarter, indicating better asset quality management.
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Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
1,041.90 | #1 6,57,716.30 | 36.75 | #1 69,724.80 | 26.81 | #1 16,780 | 21.81 | 50.68 | |
298.10 | 1,91,801.30 | 115.97 | 2,078.90 | 12.09 | 1,613 | 0.86 | 35.75 | |
792.50 | 1,49,822.30 | 15.11 | 41,859.50 | 19.61 | 9,423 | 7.47 | 86.69 | |
1,683.40 | 1,46,899.90 | 30.46 | 26,152.80 | 34.67 | 4,260 | 19.82 | 53.12 | |
3,183.80 | 1,28,000.20 | 20.83 | 20,324.50 | 34.04 | 5,352 | 65.12 | 53.88 | |
870.20 | 83,774.00 | 43.15 | 18,637.10 | 6.60 | 1,916 | 9.99 | 39.02 | |
4,858.40 | 53,056.50 | 27.37 | 8,563.00 | 17.53 | 1,813 | 11.90 | 68.09 | |
2,800.70 | 48,708.20 | #1 11.63 | 4,612.20 | #1 76.63 | 4,241 | -14.01 | 30.29 | |
311.90 | 44,284.50 | 17.55 | 18,530.50 | 16.03 | 2,261 | 45.15 | 65.83 | |
462.90 | 36,829.30 | 172.71 | 4,222.80 | 34.17 | -98 | #1 115.75 | 35.51 |
Automatic Screeners on ScanX
Growth Rate
Revenue Growth
28.12 %
Net Income Growth
45.63 %
Cash Flow Change
-22.49 %
ROE
26.85 %
ROCE
5.60 %
EBITDA Margin (Avg.)
2.67 %
Quarterly Financial Results
Balance Sheet
| Balance Sheet | 2022 | 2023 | 2024 | 2025 |
| Total Assets | 4,515 | 5,746 | 7,063 | 8,596 |
| Fixed Assets | 299 | 296 | 300 | 308 |
| Current Assets | 385 | 427 | 519 | 456 |
| Capital Work in Progress | 0 | 1 | 2 | 1 |
| Investments | 848 | 607 | 406 | 327 |
| Other Assets | 3,368 | 4,843 | 6,355 | 7,961 |
| Total Liabilities | 4,515 | 5,746 | 7,063 | 8,596 |
| Current Liabilities | 269 | 328 | 278 | 141 |
| Non Current Liabilities | 2,959 | 3,691 | 4,007 | 5,265 |
| Total Equity | 1,287 | 1,727 | 2,778 | 3,190 |
| Reserve & Surplus | 480 | 838 | 1,706 | 2,101 |
| Share Capital | 807 | 890 | 1,072 | 1,085 |
Cash Flow
| Cash Flow | 2022 | 2023 | 2024 | 2025 |
| Net Cash Flow | 13 | 32 | 41 | 40 |
| Investing Activities | 652 | 206 | 159 | 174 |
| Operating Activities | -822 | -1,245 | -1,155 | -1,415 |
| Financing Activities | 183 | 1,071 | 1,037 | 1,281 |
Share Holding
| % Holding | Aug 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 |
| Promoter | 64.02 % | 64.05 % | 63.73 % | 60.66 % | 55.19 % | 55.05 % | 54.75 % | 53.33 % | 53.19 % | 52.98 % |
| FIIs | 0.00 % | 2.74 % | 2.23 % | 2.86 % | 4.72 % | 4.56 % | 4.92 % | 6.53 % | 7.12 % | 7.01 % |
| DIIs | 5.08 % | 12.41 % | 11.94 % | 13.52 % | 16.24 % | 16.26 % | 16.46 % | 17.67 % | 17.00 % | 18.20 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 14.27 % | 9.10 % | 10.28 % | 11.59 % | 12.24 % | 12.73 % | 12.72 % | 11.88 % | 8.35 % | 8.54 % |
| Others | 16.62 % | 11.70 % | 11.82 % | 11.36 % | 11.62 % | 11.39 % | 11.15 % | 10.59 % | 14.34 % | 13.27 % |
| No of Share Holders | 2,48,603 | 1,19,109 | 1,29,470 | 1,35,768 | 1,38,991 | 1,63,595 | 1,62,908 | 1,53,744 | 1,42,155 | 1,42,669 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 30 Nov 2022 |  Change Of Name | NA | 30 Nov 2022 | 0.00 | 0.00 |
| 28 Jun 2024 |  Annual General Meeting | NA | 28 Jun 2024 | 90.45 | 82.63 |
| 26 Oct 2024 |  Quarterly Result Announcement | NA | 26 Oct 2024 | 97.95 | 78.83 |
| 25 Jan 2025 | Quarterly Result Announcement | NA | 25 Jan 2025 | 89.13 | 88.16 |
| 26 Apr 2025 | Quarterly Result Announcement | NA | 26 Apr 2025 | 90.02 | 106.15 |
| 14 Jul 2025 | Annual General Meeting | NA | 14 Jul 2025 | 112.78 | 119.02 |
| 26 Jul 2025 | Quarterly Result Announcement | NA | 26 Jul 2025 | 106.59 | 109.46 |
| 01 Nov 2025 | Quarterly Result Announcement | NA | 01 Nov 2025 | 112.15 | 114.08 |
Announcements
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
2 days ago
2 days agoAnnouncement under Regulation 30 (LODR)-Newspaper Publication3 days ago
3 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome5 days ago
5 days agoAnnouncement under Regulation 30 (LODR)-Issue of Securities5 days ago
5 days agoAnnouncement under Regulation 30 (LODR)-Change in Management5 days ago
5 days agoBoard Meeting Outcome for Outcome Of Board Meeting5 days ago
5 days agoAnnouncement under Regulation 30 (LODR)-Investor Presentation5 days ago
5 days agoResults- Financial Results For The Quarter And Half Year Ended 30Th September 2025.5 days ago
5 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation8 days ago
8 days agoUpdate on board meeting9 days ago
9 days agoAnnouncement under Regulation 30 (LODR)-Credit RatingOct 17, 2025
Oct 17, 2025Announcement Under Rgulation 30Oct 11, 2025
Oct 11, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 07, 2025
Oct 07, 2025Announcement under Regulation 30 (LODR)-Credit RatingOct 01, 2025
Oct 01, 2025Board Meeting Intimation for Board Meeting IntimationSep 25, 2025
Sep 25, 2025Closure of Trading WindowSep 25, 2025
Sep 25, 2025Announcement under Regulation 30 (LODR)-Credit RatingSep 25, 2025
Sep 25, 2025Announcement under Regulation 30 (LODR)-Credit RatingSep 22, 2025
Sep 22, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSSep 17, 2025
Sep 17, 2025Intimation On ESG RatingSep 11, 2025
Sep 11, 2025Announcement under Regulation 30 (LODR)-AllotmentAug 20, 2025
Aug 20, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSAug 14, 2025
Aug 14, 2025Announcement under Regulation 30 (LODR)-Credit RatingAug 07, 2025
Aug 07, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptJul 31, 2025
Jul 31, 2025Newspaper PublicationJul 28, 2025
Jul 28, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJul 26, 2025
Jul 26, 2025Announcement under Regulation 30 (LODR)-Investor PresentationJul 26, 2025
Jul 26, 2025Results - Financial Results For The Quarter Ended June 30 2025Jul 26, 2025
Jul 26, 2025Board Meeting Outcome for Outcome Of Board Meeting Held On 26 July 2025Jul 26, 2025
Jul 26, 2025Grant Of Stock OptionsJul 25, 2025
Jul 25, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 23, 2025
Jul 23, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJul 17, 2025
Jul 17, 2025Shareholder Meeting / Postal Ballot-Scrutinizers ReportJul 15, 2025
Jul 15, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMJul 14, 2025
Jul 14, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 08, 2025
Jul 08, 2025Announcement under Regulation 30 (LODR)-Change in ManagementJun 27, 2025
Jun 27, 2025Board Meeting Intimation for Quarter Ending 30Th June 2025.Jun 26, 2025
Jun 26, 2025Closure of Trading WindowJun 26, 2025
Jun 26, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJun 19, 2025
Jun 19, 2025Letter To Shareholders - Annual Report - FY2024-25Jun 18, 2025
Jun 18, 2025Business Responsibility and Sustainability Reporting (BRSR)Jun 18, 2025
Jun 18, 202518Th Annual General Meeting Of SBFC Finance Limited To Be Held On 14Th July 2025Jun 18, 2025
Jun 18, 2025Reg. 34 (1) Annual Report.Jun 18, 2025
Jun 18, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJun 13, 2025
Jun 13, 2025The Board Of Directors At Its Meeting Held On 06Th June 2025 Inter-Alia Approved Convening Of 18Th Annual General Meeting Of The Company Which Is To Be Held On Monday 14Th July 2025 Through Video Conferencing And/Or Other Audio-Visual Means.Jun 06, 2025
Jun 06, 2025Announcement under Regulation 30 (LODR)-Change in ManagementJun 06, 2025
Jun 06, 2025Board Meeting Outcome for Outcome Of The Board Meeting Dated 06Th June 2025Jun 06, 2025
Jun 06, 2025Announcement under Regulation 30 (LODR)-Credit RatingMay 31, 2025
May 31, 2025Board Meeting Intimation for Inter-Alia To Consider Convening Annual General Meeting Of The Company With Respect To Issuance Of Ncds (Or Such Other Debt Securities As May Be Permitted From Time To Time) In Addition To Other Items As Applicable.May 30, 2025
May 30, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSMay 29, 2025
May 29, 2025Mutual Fund Holdings
SBI Small Cap Fund Direct-Growth 
Franklin India Small Cap Fund Direct-Growth 
Invesco India Smallcap Fund Direct - Growth 
Aditya Birla Sun Life Flexi Cap Fund Direct-Growth 
HDFC Banking & Financial Services Fund Direct - Growth 
Axis Small Cap Fund Direct-Growth 
Nippon India Nifty Smallcap 250 Index Fund Direct - Growth 
Motilal Oswal Nifty Smallcap 250 Index Fund Direct - Growth 
ICICI Prudential Nifty Smallcap 250 Index Fund Direct - Growth 
Edelweiss Nifty Smallcap 250 Index Fund Direct - Growth 
JioBlackRock Nifty Smallcap 250 Index Fund Direct - Growth 
Groww Nifty Smallcap 250 Index Fund Direct - Growth Technical Indicators
RSI(14)
Neutral 62.14
ATR(14)
Less Volatile 3.69
STOCH(9,6)
Neutral 62.21
STOCH RSI(14)
Overbought 82.39
MACD(12,26)
Bullish 0.53
ADX(14)
Strong Trend 27.74
UO(9)
Bearish 46.66
ROC(12)
Uptrend And Accelerating 8.91
WillR(14)
Neutral -34.04
About SBFC Finance
SBFC Finance Limited is a non-banking finance company that provides secured MSME loans and loans against gold. The company primarily serves entrepreneurs, small business owners, self-employed individuals, and salaried workers. SBFC uses a PhyGital model, combining digital technology with personal relationships. They offer loan management services to institutional lenders, handling aspects such as client relations, collections, payments, porting, and data storage. The company also manages repayment modes, transfers EMIs between accounts, and provides support for delinquent loans. SBFC Finance Limited was originally incorporated in 2008 and underwent several name changes before becoming a public limited company in 2022. They recently completed an IPO in August 2023, raising Rs. 1025 Crore.
Listing Date
16 Aug, 2023(2 Years,
-9 days)
Website
Chairperson NameNEERAJ SWAROOP
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