Shalibhadra Finance Limited

Shalibhadra Finance Limited

73.40
INR
-1.48
(-1.98%)
6.41EPS
12.53P/E
2.48BMarket Cap
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
5.29
6.19
6.45
7.79
9.65
11.08
11.82
10.3
11.02
10.92
11.54
11.2
13.14
13.78
Basic EPS, GAAP
1.5
1.9
1.73
2.15
2.83
3.2
2.9
1.76
2.88
3.18
4.28
5.18
6.31
6.42
Free Cash Flow per Basic Share
-0.78
-2.26
-1.84
-6.07
-7.59
-6.03
0.17
3.59
0.91
-1.92
0.86
-9.02
-6.74
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
0.12
0.16
0.22
0.27
0.4
- -
Book Value per Share
7.72
9.29
10.72
12.57
15.44
18.31
20.85
22.61
28.8
31.18
34.58
49.93
55.67
- -
Tangible Book Value per Share
7.72
9.29
10.72
12.57
15.44
18.31
20.85
22.61
28.8
31.18
34.58
49.93
55.67
- -
Basic Weighted Avg Shares
20
20
20
20
20
20
20
20
20
25
28
31
31
31
Sales/Revenue/Turnover
106
124
129
156
193
222
237
206
221
274
323
346
406
425
Operating Margin (%)
71.18
78.03
70.08
42.63
42.12
43.72
38.24
61.27
63.63
65.49
65.67
68.46
71.59
60.88
Depreciation Expense
1
1
- -
- -
1
1
1
1
1
1
1
1
1
1
Net Income, GAAP
30
38
35
43
57
64
58
35
60
84
120
160
195
198
Effective Tax Rate (%)
37.23
35.33
36.71
33.71
28.53
28.39
27.79
29.57
26.13
25.84
25.65
22.37
23.88
24
Profit Margin (%)
28.4
30.64
26.79
27.58
29.35
28.85
24.54
17.05
27.3
30.59
37.05
46.26
48
46.59
Working Capital
94
275
316
419
576
543
552
652
974
787
850
1,116
1,272
- -
LT Debt
206
254
289
428
595
568
551
577
421
448
373
196
309
- -
Total Equity
154
186
215
252
309
367
417
452
576
782
968
1,542
1,720
- -
Return on Invested Capital (%)
8.81
9.48
7.33
7.27
6.85
6.18
5.09
6.56
8.5
9.7
10.14
10.09
10.51
- -
Return on Capital (%)
13.86
14.4
12.26
12.15
6.68
6.1
5.14
6.61
8.59
9.72
10.3
10.86
10.62
- -
Return on Common Equity (%)
21.12
22.29
17.27
18.46
20.22
18.94
14.81
8.08
11.22
11.75
13.68
12.75
11.94
- -

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
252
- -
LT Borrowings
- -
309
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
31
31
31
Market Capitalization
- -
- -
2,484

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
1,565
- -
Cash, Cash Equivalents & STI
- -
79
- -
Accounts Receivable, Net
- -
5
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
293
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
252
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
23.86%
31.53%
11.5%
Free Cash Flow
30.31%
-373.87%
-25.23%
Net Income, GAAP
22.91%
41.75%
21.75%
Sales/Revenue/Turnover
12.68%
14.71%
17.32%
Total Cash Common Dividend
- -
- -
47.62%

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
90
82
84
95
346
2026
95
95
111
110
406
2027
110
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
1.21
1.23
1.52
1.44
5.18
2026
1.48
1.54
1.63
1.66
6.31
2027
1.59
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
0.27
2026
- -
- -
- -
- -
0.4
2027
- -
- -
- -
- -
- -

Company Description

CEO
Vatsal Minesh Doshi
Full Time Employees
183
Sector
Finance
Industry
Finance/Rental/Leasing
Address
3, Kamat Industrial Estate Mumbai MA India 400025
IPO Date
Feb 2, 1995
Business
Shalibhadra Finance Limited is a BSE-listed Non-Banking Financial Company (NBFC) primarily engaged in asset financing in rural, semi-urban, and underbanked regions of Gujarat, Maharashtra, and Madhya Pradesh, India. The company offers a comprehensive range of customized retail financial products including loans for new and used two-wheelers; used three- and four-wheelers; auto rickshaws; and consumer durables. It also caters to small ticket asset financing and retail loans for vehicles and consumer goods, serving an active customer base exceeding 100,000 through a network of over 50 branches. Founded in 1992 and headquartered in Mumbai, Shalibhadra Finance focuses on catering to the financing needs of rural and semi-urban populations, aiming to provide simple, speedy small-cap asset loans with high yields. The company operates with an asset under management of around Rs. 130 crore. Recent developments include expansion of its branch network primarily in Madhya Pradesh and continuation of strategic efforts to deepen its market presence in underserved geographies. It has reported steady profit growth with significant improvements in operating and net profit margins in the last fiscal year. The company also emphasizes digital service platforms, including web applications for GST returns to enhance customer convenience. Shalibhadra Finance has maintained steady operational growth with a focus on increasing its lending portfolio in used and new vehicle financing and consumer durables while preserving asset quality. It has shown strategic resilience with increased cash flows from investing activities and a conservative debt-to-equity ratio, reflecting disciplined financial management. The company remains committed to expanding its footprint and product offerings tailored to rural and semi-urban markets, positioning itself as a key player in the regional NBFC sector. Overall, Shalibhadra Finance Limited operates in the finance and investment services industry, focusing on asset-backed lending products for retail customers in specific Indian states, with continued geographic and product expansion supported by sound financial performance and operational enhancements in recent years. This captures the company’s main products, services, geographic focus, founding details, latest changes including branch expansion and financial performance for 2024-2025, and its positioning within the NBFC sector in India.